23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Submitted initial Re-Pay application and requested SAVE program. Initial determination was for XXXX XXXX XXXXXXXX. Called Nelnet on XXXX and was told that my payment should be XXXX XXXXXXXX on the SAVE plan. Was told to re-submit application. Received an email with instructions and pre-filled application. Submitted this second application on XXXX. Received notification that application was received on XXXX. 

On XXXX I received a communication from Nelnet that an administrative forbearance was applied until XX/XX/2023. 

On XXXX, I contacted Nelnet to inform them of a change in my financial status as I would be unemployed effective XXXX. On XXXX, I received a letter from Nelnet requesting income verification. I sent a copy of my social security income verification, a copy of my husband 's social security income verification, and a copy of a XXXX XXXX pension that I receive. 

Finally I received a determination and my monthly payment was reduced to XXXX XXXXXXXX on an income contingent repayment plan, .not the SAVE plan. 

I called Nelnet on XXXX and spoke with XXXX, who recalculated my monthly payment and stated that I should be on the SAVE plan with a monthly payment of XXXX XXXX. XXXX XXXX, she submitted a request for redetermination and that I should have a re-determination in 2-3 weeks. I did not receive a re-determination. I received an administrative deferment until XX/XX/2023. 

On XXXX, I called XXXX and spoke with XXXX. XXXX reviewed my records, and again, affirmed that I should be on the SAVE plan with a payment of XXXX XXXX. She re-submitted a request for re-determination on my behalf. I did not receive a re-determination. 

On XXXX, my payment date was approaching. I called Nelnet yet again on this date. I spoke with XXXX, who reviewed my file and re-calculated my monthly payment and affirmed, yet again, that I should be on the SAVE plan with a payment of XXXX XXXXXXXX. XXXX apparently spoke to another representative and was told it would take 1 month for a re-determination. XXXX processed a deferment for another month making my payment due on XXXX. 

It is now XXXX, and I have yet to have a redetermination on my account. My payment of {$370.00} is due on XXXX. I can not afford this payment as my only source of income is social security and a small pension. I have been told by representative on multiple occasions that I should be on the SAVE plan with a payment of XXXX XXXXXXXX. 

I will need to request another deferment as I can not afford this payment. Nelnet is extremely difficult to reach by phone as I have experience hold times in excess of 1 hour. I have been diligently working with Nelnet for > 6 months to get this issue resolved. Yet it remains unresolved.
Product: Checking or savings account

When I logged into my BofA account, the bank presented me with a page takeover screen with only XXXX option to accept changes by the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit BureausXXXX XXXX,2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXXXXXX XXXX  XXXXXXXX  Balance Owed : {$360.00} XXXX XXXXXXXX Balance Owed : {$350000.00}
Product: Credit reporting or other personal consumer reports

This reflect complaint about XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, their debt collection agency handling account ending in XXXX. I am extremely concerned about how both companies have handled my account and their failure to comply with both federal and state laws. Below are the issues experienced : XXXX. Failure to Provide Debt Valuation On XX/XX/year>, I sent a letter to XXXX, XXXX XXXX XXXX requesting a full breakdown and valuation of the debt. As of XX/XX/XXXX, no response or the requested documentation have been received This violates the requirement for creditors to provide accurate account details when asked. 
XXXX. Multiple Disputes to Credit Bureaus Ive submitted several disputes to the credit bureaus, asking for a breakdown of the account balances. Despite this, neither XXXX nor XXXX has provided any clarification, nor have they taken action to correct the errors. Their failure to verify the debt is unacceptable. 
XXXX. Violation of Consumer Protection Laws The actions of XXXX, XXXX XXXX XXXX and XXXX have been unfair, deceptive, and abusive, violating both the Fair Debt Collection Practices Act ( FDCPA ) and Floridas Consumer Collection Practices Act ( FCCPA ). Theyve failed to verify the debt, misrepresented amounts due, and havent provided adequate information to support their claims.

4. Misleading Account Information The amounts listed on my credit report dont match the figures provided by XXXX XXXX which is damaging my credit score. Ive received no explanation for these discrepancies. 
XXXX. Violation of Privacy I have not agreed to any contract with a third-party collection agency, nor have I authorized XXXX, XXXX XXXX XXXX to act on my behalf. Their involvement in this matter is a clear violation of my privacy rights, and I did not consent to this third-party collection effort. This unauthorized handling of my account is an infringement on my personal and financial privacy.
Product: Credit reporting or other personal consumer reports

Experian is reporting inaccurate information and negative accounts has to be removed according to the 1681 FCRA.
Product: Credit reporting or other personal consumer reports

This was my follow up with regards to my previous complaint dated XX/XX/XXXX. That time I noticed these items that DO NOT belonged to me, and neither did I initiate an authorization towards who ever have these data that I am listing in complaint and reported through Federal Trade Commission ( FTC ) with reference # XXXX. And I am attaching my FTC Fraud Report in this complaint again for your information source. Please remove the listed items from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am filing this complaint against Vanderbilt Mortgage & Finance , Inc. due to their failure to provide a lien release for my property. I paid off my mortgage in full on XX/XX/2024 and have been waiting for the lien release ever since. 

I have repeatedly followed up with Vanderbilt Mortgage to resolve this issue but have been met with either no response or unhelpful answers. It has now been several months since my mortgage was paid off, and I am still unable to obtain the necessary documentation to clear the lien from my property records. 

This delay has caused unnecessary stress and inconvenience as I can not proceed with property-related transactions without the lien release. Vanderbilt Mortgage 's inaction is unacceptable and reflects poor customer service.
Product: Credit reporting or other personal consumer reports

Im filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with the federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Im traveling abroad, in XXXX and I tried to get cash from the only atm on the town im staying right now, the atm didnt dispense any money. The screen turns to black and got frozens for a couple of minutes. The atm charge me all the attempts to withdraw money. 
I opened the dispute with my bank under the claim number XXXX. 
I received the provitional credit for XXXX transactions and aftrer a couple of days XXXX of them where reversed without any information or reason. I called the bank and they didnt provide more information and also requested the documents showing that I got the money from the atm. It doesnt make sense to have XXXX of the approved and the others denied without a propper investigation with the owner of the amt. That investigation is imposible to have it done in less than XXXX weeks, normally Visa disputes can take 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2023 I received a text message from XXXX XXXX XXXX XXXX to validate a charge of {$490.00} for XXXX XXXX. I rejected the request and called the credit card company. They closed out my credit card and started an investigation for the attempted charge. 
On XX/XX/2023, I checked my mail and received my bill from XXXX 's credit card showing a chargeback to my account for the {$490.00}. I called XXXX on XX/XX/2023, and they said the charge did not go through so they removed the credit for the investigation. 
I then opened the mail from Caine & Weiner and later found out they are a collection agency for XXXX XXXX. I also called the company on XX/XX/2023, to let them know the charge was fraudulent and they said they receive the charge for collecting around XX/XX/2023. 
Caine & Weiner mentioned the account was opened online for gambling. They gave me my address, dob, social security number, and of course my name. All the information provided was an exact match of my Personally Identifiable Information ( PII ). They did not believe that it was a fraudulent charge. 
Craine Weiner said I have to provide a police report number. I filed a police report on XX/XX/2023, XXXX, and called Caine & Weiner and provided the police report number, they said they will get back to me in 2 weeks. 
I am very concerned since someone has all my PII and I am not sure what happened between XX/XX/2023, and today. I am only aware of this one attempt because it came to my attention via a collection agency. 
What can I do to protect my PII today and moving forward?
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00}
Product: Debt collection

I am reaching out to Transworld Systems INC about an alleged debt that they are claiming I owe. I am requesting you all to send me the original signed contract to prove that I owe this debt. Please also provide me with your chain of title and your XXXX XXXX XXXX  number for my records. Per 15 USC 1692 ( E ) it is obvious that this balance should be negative if I in fact am responsible for this debt. Because this is showing a positive balance, this is false and misleading. If you can not provide me with the original agreement, you are furnishing false and deceptive forms. This is not only ruining my financial reputation but I will also press charges if you can not provide the requested documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To '' ATTENTION CHASE CREDIT CARD MANAGEMENT OFFICER_ FRAUD ACCOUNT NUMBER ENDING.. XXXX as of XXXX at a previous residence in the state of GA. WHEN I WAS IN BRANCH ON XX/XX/XXXX ; I WAS ADVISED DURING THE OPENING OF A PERSONAL BANK ACCOUNT WITH CHASE THAT I HAD A PROFILE WITH THIS " SLATE '' CC WHICH WAS WRITTEN OFF IN THE YEARS BTW. XXXX XXXX? UNCERTAINLY I HAVE NO KNOWLEDGE OF THIS ACCOUNT AS REPORTED TO XXXX ON XX/XX/XXXX. I HAVE BEEN ASKED TO WAIT AT LEAST 90 DAYS FOR COMPLETE REINVESTIGATION. IN THE MEANWHILE, I HAVE NOT RECEIVED THE LETTER DOCUMENT OF STATEMENT ABOUT THIS AT MY CURRENT ADDRESS ON RECORD ''. 
CONSEQUENTLY, I WAS DENIED A FREEDOM CHASE CC BECAUSE CHASE IS LISTING A VERY LOW CREDITSCORE W/ ENROLLMENT AS I HAD LABOROURED TO ACCOMPLISH A CLEAN SLATE THAT IS NOT REFLECTED HERE WITH THESE ACTIVITIES ''. 
" ADDITIONALLY, I HAVE BEEN ADVISED THAT MY NEW ACCOUNTS ARE UNDERGOING CLOSURE AFTER OPENING ''. CAN YOU LOOK AT THIS MATTER INFLUENCING MY FINANCIAL BANKING RIGHTS TO MANAGE MY MONEY WITH A BANKING INSTITUTION, NAMELY CHASE BANK, J.P. MORGAN ''. 
FRAUD COMPLAINT TO CORPORATE MANAGEMENT, CHASE BANK :. " MY DEBIT VISA CARD ... .HAS BEEN CLOSED TO TELEPHONE BANKING. IT IS LINKED TO MY PERSONAL ACCOUNTS. I WAS ADVISED THAT ALL ACCOUNTS AND DEBIT VISA CARDS CLOSED AFTER UNDERGOING REVIEW '' ..IS THERE ANYTHING THAT CAN BE DONE ON MY PART. I PREFER TO KEEP THIS ACCOUNT ACTIVE. '' " Consequentially I was declined a new " CHASE FREEDOM '' CREDIT CARD UPON A XX/XX/XXXX APPLICATION BECAUSE OF PREVIOUS AND CURRENT CREDIT SCORE and other factors ... .. '' I have needs to utilize my account with debit card. I was advised by telephone lost agent that my account was closed after undergoing a review. I am not in receipt of any such alerts or mailed document. 
I am not understanding if both the checkings ending..and savings account ending ... ..? What about my online access to this messaging feature, would I be able to continue online access? The card ending in ... is linked to these accounts and is it the card that needs replacement?
Product: Credit card

I submitted my application and was denied access to my unlimited credit. According to 12 USC 412 Application for notes ; collateral required Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application.

I wrote them about this and they still denied me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23, I started disputing the account being reported by XXXX XXXX. It always came back as " verified ''. I then went to the company directly and they sent me a response that also stated the account was " verified '' However, I do not believe neither the company or the credit bureaus did an accurate investigation of the account, because the account balance is being reported inaccurately by TransUnion, XXXX, and XXXX. I already submitted a complaint against XXXX but now I want to submit a complaint against TransUnion and XXXX. How can one bureau report a balance of {$11000.00} and the others a balance of {$11000.00}? I have yet to receive any type of response other than verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is displaying accounts that is a result of alleged identity theft. I did not agree to, or benefit from the transactions. As required by law, I sent Transunion written correspondence, including my proof of identity, an identity theft report, identification of such information, and a statement. They are required to delete and block the accounts within 4 days of receiving my notice.
Product: Credit reporting or other personal consumer reports

I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act would like to state that Experian Is in violation of my rights and 15 USC 1681b. ( A ) ( 2 ). Which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave Experian any written consent to report anything on my consumer report. No consent is identity theft Experian is also in violation of my rights to privacy in accordance with 15 U.S.C. 1681 Section 602 ( a ) Accuracy and fairness of credit reporting. The Congress makes the fol- lowing findings : ( 1 ) The banking system is dependent upon fair and accurate credit report- ing. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to PRIVACY. 

IN ACCORDANCE WITH THE FCRA. THE FOLLOWING ACCOUNTS FURNISHED ON MY CREDIT REPORT ARE IN VIOLATION OF MY RIGHTS : XXXX ACCOUNT XXXX : XXXX XXXX/ ACCOUNT # : XXXX XXXX XXXX/ ACCOUNT # : XXXX XXXX XXXX/ ACCOUNT # : XXXX, INSTALLMENT, UNSECURED LOAN, INDIVIDUAL, OPEN, MONTHLY PAYMENT : {$400.00}, DATE OPENED : XX/XX/2021 XXXX XXXX ACCOUNT # : XXXX XXXXXXXX XXXX/ ACCOUNT # : XXXX XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX/ ACCOUNT XXXX : XXXX XXXX ACCOUNT # : XXXX XXXX/ ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, a car dealer made inquiries on my credit without my knowledge. They didn't tell me that they ran my credit. I didn't find out about these inquiries on my credit until XX/XX/XXXX. Since XXXX I have been fighting to get these inquiries removed. Experian and XXXX have deleted the inquiries from my credit reports, while XXXX has not. In fact, XXXX has closed each of my disputes and stated that the fraudulently made inquiries are factual. XXXX has not done a thorough and proper investigation of my disputes for these inquiries, if they had the disputes would have been removed. Also, XXXX closed my disputes the very next day after initiating it. It's impossible to do a proper and thorough investigation in that short amount of time. 
I have called and spoken to representatives and each representative has given me different information, regarding having these fraudulent inquiries deleted. 

The same documentation that I submitted to XXXX and XXXX, I also submitted to Experian. I sent the documents via USPS and I also uploaded them online. I even contacted the companies who were/are reporting the inquiries. I wanted to make the CFPB aware that I have done all of the required work that was asked of me. Experian and XXXX agreed that the inquiries were indeed fraudulent and were made without my knowledge and permission, and they have removed each of the requested inquiries. XXXX still refuses to remove the fraudulent inquiries after being provided with the same documentation and statement, and they have responded that the inquiries are factual, when they are not. 

Please find attached credit reports from XXXX and Experian showing that they are not reporting any inquiries from these companies any longer. Also, find the XXXX report showing that they are reporting the inquiries and that they stated that the inquiries are factual. Also, the FTC reports are attached as well. 

Finally, upon contacting the companies who made the inquiries I was told that I had to dispute these inquiries directly through the credit reporting agencies. They don't even have departments that handle this issue with consumers directly. XXXX is my only way of getting these inquiries removed, and they are not doing their part, as required by consumer law.