23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am filing another complaint in response to my last complaint. I have tried and tried to have Nelnet assist me as the co-borrower and I have been told I have no rights to making decisions with the loan for YEARS. I do not have access to the online account and need it. I have requested a forbearance and have been told that I can not qualify without the primary borrower and now it is because they are commercial loans. I can not consolidate into a Direct Loan as suggested by Nelnet in a recent email sent to me because the loan is going into default. The primary borrower is now homeless and inpatient in a hospital as of Sunday XX/XX/XXXX. I am waiting for the loans to be separated which will not occur until late XX/XX/XXXX. I have been informed that other individuals in the same position as me in terms of commercially held loans have been granted an administrative forbearance for 12 months through the end of XXXX. The Ombudsman does have my case. I have applied for the split of the loans. I have continued to make my partial payment every single month for the duration of the loan and my credit is now damaged because my ex-husband failed to comply with the terms of the loan. I have no protection and for years all that Nelnet says is " Sorry ''. I can not reach a human being at Nelnet 's call center and have to wait until they contact me sporadically. Nelnet is negligent and I have been a victim of not only my ex-husband for years as well as the two student loan servicers in which I had to deal with. My rights were and continue to be violated. Nelnet has no issue now coming after me and admitted numerous times over the years that I would ultimately be held responsible despite my payment history and request for assistance. The Dept of Education and government should hold these lenders accountable like you, Nelnet. Poor and unethical business practices. I disputed my credit report after Nelnet reported the delinquency AND as a result Nelnet sent me a letter stating that I do not have an account with Nelnet. WHAT???!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently, I have a XXXX credit score but even with a " good '' credit score I am getting deenied credit. I don't understand or agree with this. XXXX Total unpaid collection amount and XXXX Number of Unpaid Collections are Not Mine. Equifax is reporting a collection from XXXX XXXX in the amount of {$800.00} from XXXX XXXX. I spoke to XXXX XXXX, myself, and they have no record of me what so ever. This is a company based from Louisana for cable services. I live in New Mexico and have cable services in my name with XXXX. XXXX XXXX is not on my XXXX credit report. XXXX XXXX has been removed in the past but keeps getting put back on. This is harming my score and great record.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX i paid off Capital one auto loan, XXXX XXXX XXXX purchase from XXXX XXXX, XXXX XXXX, CA. Never got reported. 
I used my previous name ( Legally changed ). Never shows up on my reports. I told them to change it that time. 

Previous Name : XXXX XXXX ( Changed in XXXX ) Current Name : XXXX XXXX I should have all my past showing in my report under XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received an alert from XXXX stating for me to check my credit because a change had took place. The change was on XX/XX/XXXX Synchrony Financial had closed the credit card account. I haven't been late, I haven't been charging anything on this card just paying monthly as agreed. With this Company closing this account for no reason other than being cruel is going to negatively effect my credit report. And I still owe a balance on this account and I have until XXXX to pay the entire amount I owe .On XX/XX/XXXX I telephoned Customer Service of this company and all I was told that I would be receiving a letter in the mail. My point is why would this company close an account and put this information on my credit report I am not a risk to this company I have been paying properly. But I have read many reviews on many different sites about this company and many people are receiving the same behavior/treatment as I. I need to know why is this company purposely destroying consumers credit?
Product: Mortgage

We were notified that our mortgage was going to now going to be going through Flagstar back in XXXX. I had just asked to be put in forbearance with my previous servicer, XXXX XXXX. When I told this to the first person from Flagstar she told me that all that information should be sent over to them within the next few weeks and as new customers with Flagstar we would automatically go through a reevaluation process for a new rate. Now the forbearance period is over and Ive tried to contact them multiple times to figure out what our new rate will be or how to lower or previous rate. Every time I call no one seems to be able to tell me anything and tells me I will get a call back. Then I go weeks and still hear nothing. This is causing an immense amount of stress because I dont know whats going on with the status of my home.
Product: Credit reporting or other personal consumer reports

Hi my issue is someone applied for several unauthorized accounts in my name XXXX  being one of them rather then treating me like a customer ( victim of identity theft ) /consumer they had sarcasm because I didnt catch it sooner even after I explained what happened with my loosing my mobility and filed all the proper paperwork I just want the issue resolved and off my credit report now because this happened to prevent any in the future I have credit monitoring and put a fraud alert on my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 5 accounts that I have been disputing since XX/XX/2020 I have. These accounts are not mine I have no idea who opened these or how. I have filed an FTC report I have A notarized Affidavit for Identity theft and I have written over 5 letters to the bureaus I have called them but nothing no verification no help I feel ghosted and I feel like I have to deal with someone elses doing an go thru a year of hassle for these accounts this is my last resort please help. 

XX/XX/XXXXAcct # XXXX {$14000.00} XX/XX/XXXX- Acct # XXXX {$3200.00} XX/XX/XXXX Acct XXXX XXXX {$5600.00} XX/XX/XXXX- Acct # XXXXAmt {$2200.00} XXXX XXXX XXXX Acct XXXX XXXX {$10000.00}
Product: Credit reporting

deleted from XXXX credit report but not the rest of them even after sending the letter i was sent that it was going to deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX charged off my account 5 years ago but reports 30 days late every month thereafter. The account is closed and can not reported as late, just a collection is the only thing. Basically, the bureaus are allowing companies to suppress the credit worthiness of consumers so that the bureaus can get more subscriptions for companies being able to charge higher rates. 

XXXX XXXX XXXX XXXX  also reports a charge off 5 years ago and then a 30 day late every month to further destroy my credit. Then they will not provide a contact number that works to discuss the dispute.

I went to dispute a Tn Dept. of Human Services for 30 days late and XXXX  will not let me dispute. Tn Dept. of Human Services is not a collection account as being reported by XXXX  and has not been late.
Product: Money transfer, virtual currency, or money service

Key Bank put out a notice. I first saw this notice on Thursday XX/XX/XXXX on my mobile banking app. The notice stated that the company was taking this time to process payments and the funds would be available at XXXX, specifically, on Monday XX/XX/XXXX. It is now after XXXX and from what I can see, nobody has received their payment. When anyone calls, they are told that they ( Key Bank ) does not have an answer for this and if it is not shown to be pending then the customer would not be receiving payment. Customers were also told " if you didn't get it by now, you're not getting it '' Which is completely untrue, unless it was stolen by the bank, during processing.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/XXXX BBVA USA Bancshares , Inc . d/b/a BBVA USA XXXX XXXX XXXX XXXX XXXX, AL XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, DC XXXX Demand Notice in re :  Promotional Offer Checking account ending in -XXXX and Savings account ending in -XXXX To Whom It May Concern : On XX/XX/XXXX, I opened the above-captioned accounts at BBVA USA ( the Bank ) online at bbvausa.com in response to a {$250.00} promotional offer. 

On XX/XX/XXXX, I met the promotion requirements. The bonus did not post. 

I contacted the Bank via secure message on XX/XX/XXXX to resolve this issue and was told I would be contacted within 5-7 business days. I was not contacted within the promised timeframe and the bonus still has not posted. 

I respectfully demand that the Bank pay the advertised offer of {$250.00}. 

Else this matter will proceed to arbitration with all costs borne by the Bank pursuant to the Consumer Deposit Account Agreement. 


Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened with 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 XXXXXX/XX/XXXX appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts or collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and collections are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact all credit bureaus and submitted disputes and nothing gets fixed I called the company of the inquiry and they tell me they never ran my credit I need this addressed. Multiple disputes I've placed and nothing gets resolved with credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by XXXX XXXX that 3 Hard inquiries were made under my name, none of which I authorized. One of the inquiries was made by XXXX XXXX Bank on XX/XX/2022. The 2nd inquiry was made by Discover Financial Services on XX/XX/2022, and the 3rd inquiry was made by XXXX XXXX on XX/XX/2022. I've called all 3 banking institutions and they confirmed that they can not see account inquiries based on my current information. 

I can't understand then who made those 3 inquiries and why it's reflected on my account.
Product: Prepaid card

XX/XX/XXXX two {$1.00} charges were disputed by me and I asked for another XXXX card on XX/XX/XXXX to be sent to me. XX/XX/XXXX at XXXXXXXX XXXX I was charged {$9.00} from XXXX XXXX who is closed on Sundays and doesnt open until XXXX on other days. At XXXXXXXX XXXX on XX/XX/XXXX I was sent {$10.00} to my account and it disappeared. At XXXXXXXX XXXX I went into the support section of XXXX and told them my issues i had. The solution I was given was to submit a complaint to be reviewed. My complaint I submitted XX/XX/XXXX about my account not having my proper information wasnt resolved, So I couldnt submit a complaint about the issue I have now. I told the representative that I was in contact with and was basically told it wasnt their problem. I asked if I could speak to a supervisor and was told there was nothing they could help me with and that they cant speak to me about the issue Ive had. Then I said if they couldnt help me that I would have to go through the ftc or cfpb because i dont feel safe with my money I have with cashapp already. Then, they completely stopped responding and began to ignore me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action.I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have alot of financing on my account that I never seen are heard of and most them are out state and I'm in XXXX and the only bank I had was XXXX XXXX and XXXX XXXX XXXX XXXX.... and on my credit report it's an bank call XXXX I never gotten card are talk to anybody now I lost my ID 3 times someone must had to use my identity but me personally none of that I never heard of
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple request asking that incorrect addresses and spellings of my name be removed from my credit reports. The Credit angencies have contiuned to ignore my request. 

the correct information is as follows : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX TX XXXX XX/XX/1979 Employment : NONE There should be no other listing of misspelled names remaining. I have found XXXX differnet spellings and XXXX wrong addresses on my report. 

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

XXXX XXXX has a loan listed on my credit reports with XXXX and Transunion ( and possibly XXXX ), but I never took out this loan. I spoke with a call center rep on XX/XX/22, and she confirmed I do not have an account. This loan should be removed from my credit reports.
Product: Debt collection

Portfolio Recovery Associates has entered a fraudulent record of judgement onto my credit bureau reports. They have no such judgement against me. This has affected my credit score and the items presence on my report is currently delaying a pending loan application.
Product: Credit card or prepaid card

I 'm Chase loyal customer since XXXX last year, and I have several credit cards from Chase, but on XXXX XXXX, I found all my credit cards were suddenly closed by Chase without any notice. I 'm also a XXXX visa holder, and when I first landed the United States, I suddenly love the travel culture of USA, and we have so many places to be visited. And the banks, hotels and airlines they support us so good service which I never had in my own country, these all make we foreigners feel better and love this country.People should live with travelling and comfortable life, not only working working and working ( this happened in my country ). After my credit history was longer, I decided to open some credit card to help me and my family to travel better, and we so I opened some product from Chase and with these credit cards we travel to many places in United States. And I do n't gave any negative marks or late payment on all my credit cards, every time they posted, I immediately make a payment, and also I keep my credit usage is less than 10 %. In order to have a nice honeymoon with my wife next year, days ago I opened a XXXX XXXX XXXX Credit card to have a golden membership, it 's approved but days later, all my Chase credit accounts were suddenly closed without any notice. Then I tried to call them, all the department said due to the bank policy, they could not tell me more. I also send them a long secure messages, but not impact. Then I called them again said due to too many account opened in the past several months, I 'm risky and they closed all of mine. I explained to them about my purse, but they did n't care, no impact again.
Product: Debt collection

I received an email on XX/XX/05 from Dynamic Recovery Solutions regarding a debt that DOESN'T belong to me nor have I ever heard of. I do not owe this debt at all. I have never heard of them, nor the creditor. I don't appreciate them emailing me or contacting me trying collect on a debt that DOESN'T belong to me or anyone in my household. I am a victim of fraud and have been for over 10 years. I typically keep my police report up to date and I have fraud alerts all over my reports.
Product: Credit reporting or other personal consumer reports

I am writing to address significant inaccuracies on my credit report and to formally request compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681i. Despite filing a dispute with your agency, it appears that the required reinvestigation and resolution process was not followed in accordance with the law.

Under the FCRA, you are required to : 1. Conduct a reasonable reinvestigation of disputed items and notify the consumer of the results within five business days after completely the reinvestigation ( 15 U.S.C 1681i ( a ) ( 6 ) ( A ) ).

2. Forward disputes to furnishers in a timely manner ( 15 U.S.C 1681i ( a ) ( 2 ) ( A ) ).

3. Ensure the accuracy of the information on the report by implementing reasonable procedures ( 15 U.S.C 1681e ( b ) ).

Unfortunately, my experience indicated that these legal obligations were not fully adhered to, Specifically, the following inaccuracies remain unresolved and require immediate correction. 
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 As outlined by the FCRA, failure to resolve disputes within the FCRA required timeframe entitles me to request the deletion of the disputed items from my credit report. I request that these items be thoroughly reviewed, and if they can not be verified or correct, they must be removed immediately to ensure compliance with the FCRA.

Should these issues not be resolved promptly, I will have no choice but yo file complaints with the Consumer Financial Protection Bureau ( CFPB ), and Federal Trade Commission ( FTC ) and other relevant agencies. 

I will trust that you will address this matter with the urgency it requires and ensure full compliance with federal law. Please proved a writing confirmation of resolution. 

Sincerely XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 card or prepaid card

I am writing in regards to Citi Bank offering me a balance transfer at one offer, but fulfilling it under different terms than offered. I was offered a balance transfer ( Balance Transfer Offer 4 )  under the terms of 0 % until paid in full with no transaction fee. I took advantage of this offer and completed four ( 4 ) balance transfers, and I have attached screen shots of the offer on my account and screen shots of the completed transfers on the Citibank website. I first completed a Balance transfer in the amount of {$2000.00} on XXXX XXXX. ( Attachment BT Citi ). As you can see, the rate is clearly offered at 0 % until paid in Full with no transfer fee. On XXXX XXXX I completed a balance transfer in the amount of {$4200.00}. ( Attachment BT Citi XXXX ) As you can see, the rate is clearly offered at 0 % until paid in Full with no transfer fee. On XXXX XXXX, I also completed a balance transfer for {$8000.00} under the same terms On XXXX XXXX, I completed another transfer in the amount of {$5000.00}. Attachment BT Citi XXXX. As you can see, the rate is clearly offered at 0 % until paid in Full with no transfer fee. The offer was made available to me upon logging in to my account online and I took advantage of this several times. However, upon receipt of my statement, the balances were not fulfilled as offered. The Balance transfers did post with no fee and did post at 0 % however, the term of the balance transfer is listed as expiring in XXXX of XXXX. Clearly, this is not the offer I agreed to and is not what was offered and is evidenced by the enclosed screen shots. I have attached evidence of this. I should have a balance of XXXX at 0 % until paid in full as marketed and agreed to by me when completing the transaction. I would never have taken advantage of an offer as posted to my account, as I currently have a 0 % rate on my account until XXXX of XXXX. Citi Bank continues to harass me. This is just another instance of false and misleading statements and marketing lies perpetrated by CitiBank. Citibank should be required to honor the 0 % rate on all of my balance transfers until paid in full as offered to me and as agreed to by me.
Product: Debt collection

I am writing to you regarding the late payment ( s ) that appear on my credit report for the account XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX After reviewing my credit report, I noticed that there are late payment entries for XX/XX/XXXX and XX/XX/XXXX. I am writing to request the removal of these late payments from my credit history.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX Bank XXXX XXXX, Capital One XXXX, Has violated my rights. 

1

5 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX BALANCED {$0.00}