23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

My account was set up for auto payments and the autopayments stopped causing late fees to occur and now a derogatory report on my credit file which has seriously lowered my credit score. 

5th 3rd bank did not call, text or email me to notify that I was behind or attempt to collect the late payments, I found out that payments were not made when our credit monitoring service notified us of a derogatory report for late payments. This happened XX/XX/XXXX and I was assessed a late fee and happened again XXXX and XX/XX/XXXX. 

XX/XX/XXXX {$570.00} with a {$28.00} late fee XX/XX/XXXX {$570.00} with a {$28.00} late fee Upon seeing the derogatory report, I immediately logged in and made the payment, then called the company. The customer service representative transferred me to installments so I could set up the autopayments and try to figure out why they were abruptly stopped. The representative in installment loans/auto bill pay could not explain why the autopayments stopped and showed no record of myself or my husband making this request ( because we would not have done this as we rely on this for consistency ). I requested to be transferred to the credit department so inquire about having the derogatory message removed from my credit report and was told that this would not be happening, even though I was not the cause of remark being there. I was told that I was not enrolled in autopay even though I had just transferred from enrolling in the program, was told that was not possible. This was the same call, on the same day after 5-6 transfers from representative to representative, setting up a monthly autopay amount of over and above the monthly requirement, and then told by the credit department this was NOT possible. After another representative clearly read to me that I WAS in the autopay and program correctly identified the bank the money is taken from. The last representative transferred me to his supervisor and of course, we got " disconnected '' ... .the line goes dead.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that my identity has been stolen and this person has been trying to get credit in my name. I went to a car dealership and found out there are multiple inquiries on my credit report that are unknown to me. I was asked to contact these companies and I did. Almost all of the companies I've never heard of in my life. I asked them to send me copies and proof and signatures giving them permission to pull my credit report. Some said thats not the law and some said they will send it ... .Its been years ... .nothing yet. 

XXXX ... .XX/XX/XXXX XXXX XXXX XXXX ... .XX/XX/XXXX XXXX XXXX ... .XX/XX/XXXX XXXX XXXX XXXX ... .XX/XX/XXXX XXXX XXXX XXXX ... .XX/XX/XXXX XXXX XXXX XXXX ... ... XX/XX/XXXX I never applied for any XXXX XXXX cards at any of my old addresses ....

I had just a car loan from XXXX XXXX ... .and never missed a payment.

I have 2 XXXX XXXX cards at this moment in good standing and just received a credit line increase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under law 15 U.S. C 1681I am very concerned because my credit reports are showing discrepancies. I am very concerned consumer and only want true information about me reporting. Please remove this inaccurate information as you are in violation After reviewing my credit profile on XXXX I identify a discrepancy with account I did not recognize. I reviewed my credit again XXXX and the account continues to reflect on my credit report and I have not received any correspondence from the creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XXXX there has been no updates and account is still reflecting on the report. I do not believe that the creditor has authorization to access that account nor authorization to collect on the account and the account negatively affects me. Please strike and remove this account from 3 credit bureaus.
Product: Student loan

In 2004, a began receiving education for my XXXX degree at XXXX XXXX XXXX XXXX. I was provided funding to attend XXXX by Sallie Mae. I was only offered a variable interest rate and had to have two cosigners. Thankfully, I was able to get the loan and begin the process to become a health care professional. I began paying on my loans a year after I graduated. We were making payments with high, fluctuating interest rates, making it close to impossible most months to pay our bills. We requested multiple of times for Sallie Mae to refinance our loans to obtain a fixed rate and lower payments, but were continuously denied. We attempted numerous of times to find financial institutions to refinance my student loan, but no one would touch a private loan. Suddenly, Sallie Mae stopped collecting payments from us. We were never given any explanation. Come to find out, one of my cosigners filed bankruptcy. Somehow, this put my loan into non collection status. This happened for quite sometime. The cosigner filed bankruptcy twice in a row, I believe. I never received the full story, nor recall receiving anything from Sallie Mae. Regardless, over the years, multiple times, I've attempted to release my cosigners, to refinance my loans, and have never been successful. My loans have gone in and out of forbearance with very little, if any, communication from the company, who now I know is Navient. My loans are currently in forbearance, not sure how, but I'm not complaining. I do not have the money to pay them at this time, especially at the rate they are. I've been contacted by lawyers, but I denied their services due to being told it would hurt my credit for quite sometime ; I wasn't sure if that was the best route. I am hurting financially, and my loans are an impending doom. I feel that if Sallie Mae would've helped me in the first few years I was requesting a better payment plan, I could have my loans paid off, or at least close to, by now. I need guidance and support. I'm hoping I can receive this by reaching out to this company. Thank you for the opportunity to feel heard!
Product: Credit reporting, credit repair services, or other personal consumer reports

Duplicate info found in Hard Inquiries : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX GA, XXXX Real Estate. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Exact info, including date, is listed twice.
Product: Debt collection

XX/XX/XXXX - Received a short ring then an immediate voicemail from XXXX ( XXXX XXXX XXXX. 
The voicemail made a mention of a debt collection so i immediately attempted to call back and find out what occurred. I believe the company identified theirselves as XXXX. I called and said i was seeking to find out what is going on, and was immediately directed to provided my social security number. I refused since i had not been given any information about the debt, nor had any idea who or what i could possibly owe for since we pay all of our debts. The person on the phone refused to provide information and said she needed my information to tell me about the debt, i said that's ok, but i am not going to give any of my personal information without more context. I did confirm who i was by name, and they lady as an alternative said i could confirm my month and year of birth, which i agreed to do. From that point the person on the phone was HIGHLY confrontational, and disrespectful. She went on to say i owed XXXX to XXXX XXXX  XXXX  from XX/XX/XXXX, and wanted my card information. I told the person that i've lived in the state of Georgia since XXXX, and had not been to nor been seen by anyone with XXXX XXXX, nor has any of my family. She said that they could not provide me anymore information and since i declared that the bill wasn't me, and she demanded that i provide her a fax with a written complaint. I explained again that i am not going to give anyone anything without information about the bill. The person continued to be rude and hung up on me. I then followed up with XXXX XXXX XXXX XXXXXXXX XXXX to attempt and identify if this was a legitimate store. I talked to two people associated to the healthcare service, and neither person could identify an outstanding bill or any balance owed. I'd like assistance from CFPB in resolving this matter, or identifying fraudulent activity.
Product: Credit card

Questioned a charge. USAA cancelled my card. Told me I could request expedited delivery on mobile app but there was no way to do it. Called them and said replacement card would take XXXX  days. Wont tell me when card was mailed and want to charge me {$20.00} for expedited delivery. Credit card is tied to my medication delivery. So no medication for XXXX XXXX XXXX woman Had nerve and violation of my privacy to say I had money in my bank account to pay for medication. Then said I could use another credit card.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I discovered a negative report on my personal credit file from XXXX XXXX, indicating that my business account was late and had been sent to collections. This is highly concerning because this is a business account, and I was under the impression that it would not impact my personal credit. 

In XX/XX/XXXX, the company made a substantial payment to cover a large portion of the account balance, with the understanding that the remaining balance would be handled under a " pay over time '' arrangement. The most recent statement dated XX/XX/XXXX, confirmed that the account was active with a " pay over time '' balance, and there was no indication it had been sent to collections. I never received any notification confirming the setup of this agreement, nor was I informed that the account was considered delinquent or sent to collections. 

When I contacted XXXX XXXX customer service on XX/XX/XXXX, I was told to contact a collections agency. However, I was never provided prior notice of collections or any communication regarding the delinquency. This lack of notification has unfairly impacted my personal credit score and financial reputation. 

Additionally, as this is a business account, I question the appropriateness of this entry appearing on my personal credit report at all. It should have always been reported on my credit file if it were linked to me personally, but it only appeared with this new " delinquent '' status, which is a clear violation of proper reporting practices. 

I believe this situation may violate the Fair Credit Reporting Act ( FCRA ), as the account should not have been reported to my personal credit file without proper notice or verification. I request that this matter be investigated promptly, the negative entry removed from my personal credit report, and documentation provided of any notices or communications regarding this account. Furthermore, I request confirmation that the business account is treated appropriately and will not impact my personal credit moving forward.
Product: Student loan

I am writing to formally dispute the negative report that was placed on my credit regarding my student loan with Nelnet. My account was in forbearance, and I was never notified of any amount due or given the proper XXXX or XXXX notices before my account was reported as XXXX  days delinquent to the credit bureaus. 

As a result, my credit score dropped significantly from XXXX to XXXX. A few days after this negative mark was reported, Nelnet moved my account to administrative forbearance and brought it to good standing. This situation makes no sense, as I was never given an opportunity to resolve the alleged late payments or fees, nor was I informed of any outstanding balance during the forbearance period. 

I have contacted Nelnet multiple times and received no clear answers, only denials of my credit disputes without any explanation. Additionally, I have been informed that this issue is affecting many borrowers nationwide, and I am aware of a class action lawsuit filed in XX/XX/year> regarding the same concerns. 

This is the first time in XXXX  years I have had any negative marks on my credit report, and I strongly believe that a miscommunication between Nelnet and myself, compounded by their lack of notice, has unfairly damaged my credit. I am requesting a prompt investigation into this matter and the removal of the erroneous negative report from my credit file. 

Thank you for your attention to this issue. I look forward to your response and resolution of this matter.
Product: Mortgage

Ocwen Loan Servicing has reneged multiple times on both written and verbal agreements that we have had since Harvey flooded my home in XX/XX/XXXX. I have yet to receive a single cent from the advance or final payment from my structural insurance checks. The construction on my home is 75 % complete. The original written and verbal instructions stated that I was to hire the contractor directly and that Ocwen would endorse my advance check, return it to me for deposit, and I would pay the contractor directly. I have documented 16 phone calls over 4 months. On XX/XX/18 XXXX XXXX told me that they have all required paperwork and Ocwen will immediately cut a check for my receipts. Subsequently, and in repeated phone calls, I was told that the " exception '' was rejected and that a committee has decided to release only {$40000.00} to me. As of XX/XX/XXXX, not even that check has been sent, even though I paid extra, via personal check to expedite it.
Product: Debt collection

Tek Collect put a collection account on my credit report for XXXX XXXX XXXX XXXX XXXX. We do not live in XXXX XXXX Ny and my child goes to public school where we live and we are also not XXXX.. There is no other information. Its just some completely random account that was fraudulently attributed to me. I have never been contacted by these people in any way by either letter, email or phone. I have no idea what or who this debt belongs too, but its not mine.
Product: Debt collection

Hello, This debt is the result of a residential electric bill at the home where I resided from XX/XX/XXXX - XX/XX/XXXX. 
In order to comply with FRCA guidelines, this debt is too old to be reported. 
Please have it removed from all tradelines. 
Thanks
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. 

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 has violated my rights. Or list of inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

I already made a complaint on the telephone with Transunion a few days ago and this fraudulent telephone number is still on my transunion credit report and it needs to be removed immediately! 

This number, ( XXXX ) XXXX, is not mine and needs to be removed you can see I have always had the same number for years, please remove this bogus number from my personal information immediately, thank you.
Product: Debt collection

Original creditor agreed to delete this account from credit report. THIS ACCOUNTS NEEDS TO BE DELETED AS AGREED. I attached proof of payment in full.
Product: Bank account or service

I went to Bank of America at XXXX XXXX XXXX XXXX in XXXX, TN XXXX to follow up on a service charge refund and the manager, XXXX, violated my privacy by calling out my account balances in the lobby where other customers were waiting to be seen. She also talked down to me because of what I was inquiring about as well as tried to tell me how to do my personal job and that I was doing it wrong in front of other customers. She was disrespectful, extremely unprofessional, and told me to close my business account because it was n't being used in the way she saw fit. She closed the account without any verification of who I was or without my signature. I had to go to another branch to open the same account in which she had closed with no written permission. She made me very upset to the point where I was being bullied into closing my other accounts and wanting to change banks entirely. She interrupted me many times to give her input on what she thought I was going to say.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/X/2017, I checked the XXXX leaked-information website and found that my data had been released. 

I immediately froze my credit on all three major credit bureaus, as well as XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I was denied credit based on erroneous information provided by experian resulting in a loss of XXXX for purchase of an item and getting a XXXX XXXX Credit card. 

2. XXXX XXXX used fake information provided by Experian to deny me credit. 

3. Experian will not accept my dispute online and the only other way to dispute erroneous information is by a phone number that does not allow you to report the dispute due to a very long hold time and then hangs up on you and has very limited hours of operation. 

4. Experian appears to not have the level of security needed to prevent XXXX entities from accessing my credit report, as all that is needed is a merchant account and my social security number, which I had to provide when I traveled to XXXX. 

5. XXXX XXXX states that I was denied credit base on my Income Vs Debt ratio. Since my debt vs. income is very good, this is an impossibility.
Product: Debt collection

On XX/XX/2017 at approximately XXXX XXXX I contacted Hillcrest Davidson & Associates regarding a fraudulent item being on my credit report the young lady transferred me to her manager who then found my account and sent me back to the initial young lady I began to explain to her that I was a victim of identity theft and I had already went through the process of filing a FTC report and police report. She began to yell at me and said if I want her help I would listen and said she was n't gon na help me get the item deleted off my credit because I corrected her for her offensive language and the tone she was yelling. I stated to her that I would be filing a complain and she said she did n't care and hung up the phone in my face leaving me without any assistance and basically no hope in ever rectifying the matter with their firm because of the threatening and verbally abusive and unprofessional nature
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Jefferson Capital about the {$640.00} on my credit report showing as delinquent for a XXXX mobile account, and advised them that I have never had an acct with XXXX and my identity has been previously compromised. I filed a dispute with XXXX in XXXX   regarding this same account and recently again with XXXX on XX/XX/XXXX, and awaiting response. I have had to freeze my credit with the XXXX breach, and with XXXX XXXX and XXXX notifications that my info ( SS ) has been compromised on the dark web. My credit report shows addresses in Louisiana to which I have never lived outside of Texas. I called Jefferson Capital the collection agency, on XXXX XXXX, to discuss/dispute the validity of the {$640.00} XXXX mobile account and and they did not even have my correct information ( name, address, social security, phone number ). I asked the person ( XXXX ), to mail me any documentation showing I opened an account or signed anything and he said they did not do that, and I stated I am not the owner of this account and never have been ( these calls should be recorded in its entirety ). How is it possible to validate putting this on someone's credit report without having their personal information, given this was the 1st phone call with me on XX/XX/XXXX. I have been a customer of XXXX for over 10 years, it states this XXXX mobile account was opened in XX/XX/XXXX. This is not my account nor has it ever been. I'm just looking for any assistance possible, in order to move on.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Sallie Mae Account Manager stated Make a payment of {$50.00} on XX/XX/XXXX & my account will be in forbearance until my next due date XX/XX/XXXX. You will not receive a negative report on your credit score if paid before the XXXX. 
I made the payment & still got a negative mark on my credit score. I did what was requested, I spoke of my concern about credit score & they made a negative report anyway. 

Also as of today XXXX made a negative credit report although payment, interest & fees are to be waived until XX/XX/XXXX.
Product: Debt collection

I spoke to NCBI management on XX/XX/2021. Representative named XXXX transferred me to a gentlemen named XXXX. They stated " We are not required to provide proof of Debt ''. " There is no such thing as pay to delete or settle to delete '' " We are not required to notify you '' I have paid them {$550.00}, but after being educated I asked to validate the Debt. They refused and said it is my job to verify the debt, not theirs.
Product: Credit card

Received an alert on XXXX XXXX that someone tried to open a Home Depot card in my name, card was denied. This showed up on my report End of XX/XX/2025. Please remove hard inquiry because I have not attempted to open a line of credit with anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX reporting inaccurate information on my credit report. I am a victim of identity theft and these companies have refused to report the correct information.