23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I need help with my Federal Student Loan Servicer. They are not correctly applying my payments towards my PSLF. I've been in repayment since 2015 on IBR and REPAYE and working for a non-profit educational institution. I sent them two PSLF documents verifying my employment, and they are claiming I only made 15 payments over a 5 year history. It's been so frustrating they I've resorted to unprofessional means of sending multiple emails a day, angry in tone and admittedly with foul language. I also submitted a request for a legal last name change that they never responded to or updated my account. I'm ready to just default at this point. What is the use of working in public service and watching your debt just grow and grow and grow. It's almost as though they are intentionally NOT processing these applications. I have done everything asked of me.
Product: Debt collection

EVERY DAY, UPON SEEING THESE FRAUD ACCOUNTS MAKES ME STRESS. I WANT THESE TO BE TAKEN OFF FROM MY CREDIT REPORT IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

That on XX/XX/2023 I sent XXXX XXXX a notice to opt-out of credit reporting.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, a the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXX  XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency can 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: Credit reporting or other personal consumer reports

I am writing this with the utmost urgency to draw your attention to a matter of the presence of fraudulent personal information and unauthorized inquiries associated with my identity. Upon a thorough review, I have noticed that certain accounts and transactions have been inaccurately attributed to me, without my consent. This has left me profoundly distressed and deeply concerned.
Product: Vehicle loan or lease

I purchased this car in XXXX, a XXXX Model XXXX XXXX} I have paid XXXX payments at {XXXX}. This comes out to XXXX My balance to this day is {XXXX
Product: Debt collection

This collection company named Phoenix Financial services, there are pretending to collect a debt of the amount {$17.00}, in which it have been paid since XX/XX/2019 with check Num. XXXX {$17.00} to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 

Phoenix Financial Services has offered a discount to pay an amount of {$14.00}, in which I owe them nothing.
Product: Student loan

Navient had me on a payment program and I was paying a somewhat reasonable amount monthly. However when it ended decided that I had been on too many programs since the opening of my account. I tried multiple times to work with them on a reasonable payment plan but they could not lower it unless I sent them XXXX bank statements and XXXX paystubs. The manager would go through my bank statements to make sure I was not spending my money on frivolous items like XXXX, etc. Initially, I refused based on principal. I have nothing to hide and do not spend extravagantly but felt this was an invasion of privacy. I paid what I could each pay period but continued to accrue fees and they called me up to 15 times per day and on the weekends via automated calls even though they were closed. When they could not reach me they would contact my references that I had to list when I applied for the loan. They harassed my family and friends. They hung up on my mom 3 times when she asked to speak with a supervisor. Afraid of garnishment and worse, I finally sent my bank statements and pay stubs. This is still not a guarantee they will lower my payments. It is humiliating. I am awaiting review of my account for them to determine if my payments will drop from {$570.00} per month to {$240.00} per month. I borrowed {$20000.00} and now owe {$79000.00} after 5 years. I want nothing more than to repay what I owe, but I have so many other bills that I can not repay the monthly amount without an income based repayment plan. Taking out a private loan was the worst mistake I ever made and has made me wish I had not returned to school for my degree. XXXX ( now Navient ) are more like mafia than student loan lenders. They never stop. I have tried to consolidate my private loan debt with XXXX and my credit union but because my credit is affected by these student loans, I have been declined. I feel like I am at a loss. I borrowed money to better my life by getting my degree and a great career. Sadly, I regret this decision daily because of these loans. I hope that filing this complaint will help other making a decision about private loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Eight student loan accounts were reported 90 days delinquent in XX/XX/2015. 

The delinquencies were reported in error as evidenced by the following : 1. Department of Education student loan accounts remain in good standing while in active deferment status. Deferment continues through a XXXX grace period after the semester ends. 

2. The grace period for these accounts began in XX/XX/2015 and remained in place through XX/XX/2015. 
As reflected on the credit reports, the accounts were in good standing from XX/XX/2015 through XX/XX/2015. 
XXXX  records show the accounts in good standing at the time of adverse reporting. No late fees or penalties were billed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

I purchased a flight with XXXX and was offered a {$100.00} statement credit for signing up for a Bank of America credit card after making more than {$160.00} in purchases within 90 days. However, after applying for the credit card, the terms changed and Bank of America requests {$500.00} in purchases. The advertisement is false for Bank of America on XXXX website and seems to be changed by an amateur. Anyone can view this ad by reaching the checkout page on XXXX ' site. I have included a screenshot for review. When the customer clicks on the ad, it goes to Bank of America 's application process.
Product: Vehicle loan or lease

I turned in my vehicle to XXXX XXXX in XXXX XXXX in early XX/XX/2019. It is now early XX/XX/2019 and I have still not received my security deposit. I contacted BMW Financial in XX/XX/XXXX and they said I would have my money within 15 business days. I did not receive my money. I have contacted BMW Financial Services and they will not refund my money until the wear and tear has been claimed and paid off by the dealership. The dealership did not upload pictures of the wear and tear at the time I turned in the car and the third party insurance company will not pay out the wear and tear until they have these pictures. I have demanded that they issue my refund and collect the money on their own time but refuse to do so. I have asked for compensation for the time I have waited and the phone calls I have made to get this money back but they have refused.
Product: Debt collection

I received a hospital bill in the beginning of XXXX for a deductible for the XXXX of my child on XXXX/XXXX/XXXX. I disputed the bill with XXXX XXXX, and a woman called and spoke to me regarding the deductible. She informed me that she will send me some information regarding the bill, and I should call my medical benefit provider to discuss more about my deductible amount. I was disputing the deductible, because I 've paid over {$1000.00} in XXXX as a deductible for visits during my XXXX. In the interim, I received a collection letter from Remax Inc, attempting to collect said debt. I called the debt collector on XXXX/XXXX/XXXX, and I informed him that i am disputing the debt. He advised me that he will notate the file, and he will follow-up with me regarding the results. I called the accounting department at XXXX XXXX on XXXX/XXXX/XXXX, and the lady claims she had no clue I was disputing the hospital bill. She insisted that I pay the bill. I started paying the bill in monthly payments of {$25.00} a month, which is the same arrangement that I made with XXXX on the other deductible payments in XXXX, So far, I have paid {$75.00}, and I received a notification that Remax , Inc. has entered themselves as a collector on my credit report. Remax never called me after XXXX/XXXX/XXXX, and they should have been notified by XXXX of my payments thus far.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday, XX/XX/2022, I received an alert from XXXX XXXX that there were a few hard inquiries that had been added to my credit report. These are the inquiries that were added : XXXX Credit : XX/XX/2022 - XXXX - New Credit Inquiry XX/XX/2022 - XXXX - XXXX XXXX XXXX XXXX XXXX : XX/XX/2022 - JPMCB - Card Service - New Credit Inquiry XX/XX/2022 - XXXX  - New Credit Inquiry I have called all of the credit card companies listed and reported the fraud but was informed that no new accounts had been opened. I am assuming someone tried to open several cards in my name, but they were thankfully unsuccessful. 

However, the hard inquiries are still on my credit report, and XXXX and XXXX can not remove them until I have filed a dispute. I would like to have them removed immediately. 

Thank you.
Product: Credit card

I have a credit card with Capital One. It is and always has been in good standing. Capital One XXXX XXXX XXXX UT XXXX. XXXX keeps reporting that the account was closed and charged off as of XX/XX/2017, when it fact it is not. Numerous calls to Capital One have not gotten anything resolved. The Customer Service reps say XXXX thing, sends a letter to state they have fixed it with all credit bureaus and when I get my reports, it is still the same - Negative Charge Off. I pay my bill every month and use the card.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$5600.00} XXXX  XXXX Balance : {$110000.00} XXXX  XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$1100.00} XXXX XXXX {$73000.00} XXXX XXXX {$200.00} XXXX  XXXX
Product: Debt collection

I sent letters initially to XXXX, XXXX, and XXXX requesting verification for an account on my credit file being reported by Portfolio Recovery. It was verified and I was told to contact them directly to ask for a method of verification. When I did, they just sent me a copy of a credit card bill. In my letter sent on XX/XX/2023 and XX/XX/2023, after checking the nmls consumer access and seeing that XXXX  was not a state they were authorized to conduct business in, and I reside in XXXX, I asked for proof that they could operate in the state of XXXX  and verification of the account they are reporting on my credit file other than a copy of a bill. I didn't received adequate debt validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts via certified mail and notarized documentation requesting the Equifax, XXXX, and XXXX to submit " proof '' of how accounts on my credit file were verified by their companies prior to them inserting them on my credit file as required under the FCRA 611 and 609 statues. Each company has parroted me with responses that items were investigated and verified and never submitted proof of any kind, described who in there company investigated my request and simply refused to comply with the FCRA laws and regulations. No hardcopy proof has ever been submitted as requested. These copies continuously attempt to redirect me to the companies who placed these electronically placed these items on my file without any sign contracts to verify I owe any financial obligation too.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd CFBP complaint against each of the 3 Credit Bureaus about this Company! I sent in one at the beginning of XXXX. They stated that they had closed this out and that it was accurate. However, as you can see from my updated credit report, it is STILL NOT accurate!!! 

The Date Opened is still incorrect The Date last Active is still incorrect The Past Due amount is stil incorrect The payment history is still incorrect I am asking you to remove this account from my credit report asap. I have been asking them to do this for many months now. Each month they continue to ignore my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion lowered my credit score from XXXX to XXXX, a total of 76 points overnight on XX/XX/2019 for no reason. When I discovered this on the XXXX XXXX site it stated the reason for this was because I paid on 4 different credit cards, which lowered my credit card balances. If this is not corrected by Transunion as soon as possible, my FHA loan will get denied, as I am currently in the process of getting a mortgage loan for my family which includes XXXX XXXX children. Please help me.
Product: Mortgage

NewRez LLC took over my mortgage with the first payment being due on XXXX XXXX 2020. I made a XXXX payment on XXXX XXXX 2020 and a XXXX payment on XX/XX/2020 which is more than my payment. They applied both those payments to principal only and not to the XX/XX/XXXX payment. I have called 6 times and spoke to 6 different people who have sworn up and down that they have escalated the complaint and it would be fixed in 48-72 hours. I have been calling since XXXX XXXX 2020 and it still has not been taken care of. As of Monday XXXX XXXX 2020 it is going to indicate that my XXXX payment is late and they will charge late fees. Then XXXX XXXX 2020 they will report my mortgage as 30 days late which it is not. I paid in advance and I can not get them to correct this problem.
Product: Checking or savings account

On XX/XX/2025, I contacted Wells Fargo immediately upon discovering that my card was missing. I meticulously reviewed my account history and identified the unauthorized charges. However, on XX/XX/XXXX, I received a letter from Wells Fargo stating that my claim had been denied, asserting that the charges were considered authorized. The information provided was minimal, and I was informed that it was not classified as fraud because my account had been drained. 

After this denial, I requested to speak with a resolution specialist. Unfortunately, I was told that there was nothing further that could be done and that I would have to accept the fraudulent charges, as I needed to conduct my own investigation. I was also advised that I would not be reimbursed for these transactions. 

To support my case, I filed a report with the Internet Crime Complaint Center ( IC3 ) and have spoken with local law enforcement, both of which confirm that the charges were not made by me. Despite this evidence, Wells Fargo has continued to refuse reimbursement for these fraudulent charges.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered inaccurate information. Under Sections XXXX ( a ) ( 1 ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), the three credit bureaus are required to verify these accounts. Reporting unverified information without proper evidence within the legally mandated timeframe is not permitted. Please investigate and correct the errors for the following accounts appearing on my credit report : XXXX XXXX  Balance : {$29000.00} XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$380000.00}
Product: Student loan

My message today is to file a formal complaint regarding what I believe to be fraudulent business practices from the student loan servicer " Nelnet ''. I had my loan transferred over from Great Lakes Borrower Services to Nelnet a couple years ago without notice. Since then, it's been nothing but a shocking level of ineptitude and potential fraud in dealing with them. Firstly, I need to create a new password every single time I log in. Every single time. And that's not by design. The system just does not remember who I am. 

Secondly, I applied for forbearance on my loan after being laid off from my job in XXXX. That process was completed, until I was inexplicably told that my loans are STILL due. I have not gotten a reason why this is happening. 

Thirdly, Due to the recent storms in michigan, the government granted disaster relief to residents and gave permission for a months long stay of repayment. All you had to do was reply " YES '' to an email from Nelnet, and it was extended. I did so. I got an email earlier this week saying I've now inexplicably missed a payment on my balance. Even after following THEIR guidelines and steps. That has a real time effect on my credit rating. All out of their negligence and potential fraud. 

Fourthly, XXXX single attempt to contact them is unsuccessful. Hold times are often north of XXXX hours just to talk to a real person, and when you finally do, they can't help you correctly. How can it possibly be legal for a consumer to do business with a corporation that they didn't choose, XXXX that is grossly incompetent and negligent, and is operating under what I believe to be fraudulent? All without being able to contact them correctly! 

I am begging you to please investigate what is happening here. If it's happening to me, it's likely happening to millions of other people.
Product: Debt collection

Collection agency R.M.S. claims to represent XXXX. I have no record of any previous notification from XXXX that I owe them anything. I contacted XXXX twice and they confirmed they have no record on my account of me owing them anything or of them ever contacting R.M.S. for any collection against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised due my belonging being stolen and also through the XXXX data breach and my credit has been negatively affect. I've sent documents to get this fixed but had no luck. I can try and get prior police reports beside the current one I've filed. These are not my accounts. 
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I 'm writing this letter in regards to the account listed below : COLLECTION BUREAU OF A XXXX This account was already deleted from my credit report. Experian reinserted in my credit report without notifying of this action and giving me 5 days notice. I never received any notification from Experian. 

This same law stated that if you fail to notify me, that it is a violation of the FCRA which carries fines if I decide to pursue litigation on this matter. To avoid me hiring an attorney to enforce my rights, I 'm asking your company to delete this account at once. Please send me an updated credit report within 10 days showing me that that the account above has been deleted. 

If I do n't hear from Experian within that time frame, I will file complaints with the Attorney General 's Office and the Consumer Financial Protection Bureau. I will also hire an attorney to review this matter for me.
Product: Debt collection

XXXX hospital sent my bill ( {$570.00} ) to " Health care collections '' in XXXX, Az. " Health care collections '' sent me a pile of letters stating I owe them. I called the XXXX hospital and asked why they sent my hospital bills to a collection agency. The hospital said their was no problem with my bill, and that the monthly payments were in good standings. So I asked if I could pay the hospital my bill in full and they said " Yes ''. Which is what I did, then I sent " Health care collections '' their bills back. But every since I did this " Health care collections '' started calling me at least daily, Then weekly. When I finally after many call from them picked up the phone to talk to them they hung up. This has been going on now since XX/XX/XXXX. 
I did call " Health care collections '' directly and complained about their tactics calling on me, but this rude guy told me I had better get my facts straight! I refuse to answer these calls, but enough is enough!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of the accounts listed below as violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX 

15 U.S.C section 604 A. States consumer reporting agency can not furnish an account without my permission.

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