23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Great Lakes was bought by Nelnet who has increased my interest rate and eliminated customer service. I scheduled a recurring payment prior to start date ( XXXX ) which has since been obfuscated. They have not responded to my emails and reached out over text to say my loan info has changed at the last minute. Furthermore, I can not pay more than the minimum on a regular cadence and must call in via phone no longer than 30 days advance to schedule a principal payment separately from a minimum. I am not on an IDR plan or anything and wish to pay off more than the interest rate every month which is made untenable at this point by nelnet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquires : XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX Name : XXXX A XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX : XXXXXXXX XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Product: Mortgage

My mortgage has been paid in full. I have a cancellation of debt that has been filed with the court since XXXX/XXXX/XXXX by the original Grantee. The mortgage company has me delinquent since XXXX and is trying to foreclose on my home when the debt has been satisfied. Their attorney keeps sending collection notices.
Product: Vehicle loan or lease

I got a loan for a car and I really didn't understand the interest rate at the time i was just excited to be driving. So they did a credit check and ask me to put money down and told me to provide my own insurance. The interest rate is XXXX XXXX which is against XXXX law in XXXX.On XX/XX/2021 I entered into this contract.I asked for refinancing and tgey told me that they are not certified to refinance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Global lending services open sky self lender XXXX XXXX remove account completely!! 
improperly reporting on all bureaus showing incorrect payment statuses late payments should not be reporting!! 

equifax, XXXX keeps reinserting the accounts after being removed!! This is the second time it has been reinserted without a 5 day notice or reasoning why and it is always showing balances or saying charged off which is incorrect reporting late payments being reported on my report from all 3 bureaus after being granted extension from original creditor a huge internal miscommunication! 
please assist me this is affecting me tremendously and the companies are lacking urgency and proficiency to help me out.
Product: Credit card

Citi offers " XXXX XXXXs '' to allow consumers to take out a short term loan to fund specific purchases. 

Previously, the interest rates were shown in the disclosures. Now they are bundled into a " Plan Fee ''. 

Regulations as I understand them require the payments to be allocated to high interest loans first. 

On changing the terminology to " fee '' the companies are now allocating the payments to plans with an interest first and a " fee '' second resulting in higher interest payments. 

I paid down {$8000.00} in XXXX to pay off all my high interest plans. Citi paid off a low interest rate plan first and have refused to allocate the payments to the " fee '' plan. 

I called them today XX/XX/XXXX to confirm.
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Below are fraudulently unauthorized inquires on my report : Company : XXXX   Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Company : XXXX XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$13000.00} Company : XXXX XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$7400.00} Company : XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$4200.00}
Product: Credit card or prepaid card

On XXXX of XXXX, Discover Credit Card put me liable in my credit report for a credit card bill that i did not even open with them. I reported this to Discover since last year in XX/XX/XXXX. I came to find out about from a fraudulent withdrawal that i did not authorize in XXXX XXXX XXXX that a credit card was opened under my name. I spoke to Discover and they want me to file a Police Report, and get letter from XXXX XXXX XXXX stating that i did not have anything to do with the credit card fraud, and the Bank letters completely state that the transaction was refunded to me because i did not authorize anything to be done under my name. Thinking that they would take care of the credit card fraud, and instead i have to do so many steps to get it resolved. My credit was damaged because a credit card was opened under my name, and transactions started to happen last year in XX/XX/XXXX. Discover is billing me for {$860.00} for an amount that I did not even do. My previous Bank, XXXX XXXX XXXX disputed a withdrawal of {$700.00} and refunded me the money because they found the dispute in my favor. I never authorized anyone to use my information to open up a credit card under my name or even do Banking transactions. I never had a credit card with anyone, or never opened one up myself. I need help because Discover Credit Card put me as liable in the Credit Bureau, and i am a victim of fraud, and the transactions that point to different places in Florida are not mine, and I did not visit those places in those dates, and I know for a fact that those dates i was working full time. As well, i found out that two accounts were opened fraudulently with XXXX XXXX and they completed their investigation and found the case in my favor. I am just starting to fix my credit, because this is crazy to find out there was something like this.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your immediate attention a pressing issue regarding the inclusion of charge-off accounts on my credit report, despite multiple attempts to rectify the situation. I am seeking your urgent assistance to expedite the removal of these accounts and restore the accuracy of my credit history without further delay. 

Despite submitting disputes, the charge-off accounts on my credit report persist. This situation is causing undue stress and negatively impacting my creditworthiness, which is of utmost importance to me. 

I have attached supporting documentation, including previous dispute submissions and any pertinent evidence, to facilitate a swift resolution. 

Recognizing the significance of the Fair Credit Reporting Act ( FCRA ) in ensuring the accuracy of credit reports, I am requesting your immediate intervention to expedite the removal of these charge-off accounts. 

Considering the multiple unsuccessful attempts to address this issue, I urge you to conduct a thorough review of my case, identify any obstacles hindering the removal process, and take immediate action to resolve these matters. I expect regular updates on the progress of the removal process. 

I insist that all relevant creditors and parties involved be promptly notified of the inaccuracies and that necessary steps are taken to ensure the swift removal of these charge-off accounts from my credit report. 

Timely resolution is crucial, as it directly impacts my ability to make informed financial decisions. I am asking for your assistance to remove these accounts in my credit file : XXXX XXXXXXXX Balance : {$250.00} ; XXXX XXXX Balance : {$8700.00}.
Product: Credit reporting or other personal consumer reports

I am responding to the recent investigation and do not agree with your findings. I believe the creditors were not adequately contacted, and I need more information regarding these accounts : 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- TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update these disputed accounts. Provide the names and addresses of persons contacted. You have fifteen ( 15 ) days to complete these actions, unless otherwise notified. Failure to verify within this time constitutes non-verification, and the accounts must be promptly updated according to Section 1681i ( a ).
Product: Mortgage

I have asked to be granted the acceptance ( Escrow Waiver Form,, ) every year the bank chooses my homeowner and flood insurance coverage and policy limits. I pay, and should be able to chose which option FEMA sends me, not the bank just raise every year. Flagstad is a bank remote answers, however I should not be charged a additional high fee to pay my own bills, $ XXXX! This fee is exorbitant, unfair and am asking for leniancy so I can pay my obligation.many people have lost all no need to gouge or get all they can force people to pay, please help me achieve a small amount of leniancy to escrow waiver, for {$25.00} not {$350.00}.
Product: Mortgage

XX/XX/XXXX Our home changed mortgage service providers to Newrez. 
XX/XX/XXXX Newrez had failed to my Homeowners insurance from escrow and applied their own insurance to the property. 
XX/XX/XXXX Newrez sent past due insurance and previous insurance was reinstated. 

Received letter in mail XX/XX/XXXX that Newrez again failed to pay homeowners insurance from escrow and insurance would be canceled XX/XX/XXXX. Had to spend the next 2 hours between the insurance provider and Newrez. I have no reason to believe Newrez will correct this situation.
Product: Checking or savings account

To Whom It May Concern, I am writing to formally lodge a complaint against XXXX XXXX XXXX regarding my XXXXXXXX XXXX XXXX XXXX  account linked to my Chime checking account. 

XXXX XXXX for XXXX XXXX XXXXInitial Eligibility : XXXX XXXX  Must receive a qualifying direct deposit of at least {$200.00} to open the account. 

**Continued Eligibility : ** - Must maintain qualifying direct deposits of at least {$200.00} within a specified timeframe to keep the credit limit. 

Compliance Statement : Given my recent qualifying deposits of {$680.00}, {$650.00}, and {$640.00}, I meet the continued eligibility requirements. Therefore, I believe my credit limit should reflect my compliance with these criteria. 

**Issue Summary : ** I have consistently met the eligibility requirements for the XXXXXXXX XXXX including receiving qualifying direct deposits over {$200.00} on multiple occasions. Specifically, my qualifying deposits are as follows : XXXX. XXXX XXXX : ** {$680.00} XXXX. XXXX XXXX : ** {$650.00} XXXX. XXXX XXXX : ** {$640.00} While I acknowledge that my deposit of {$100.00} on XX/XX/XXXX did not qualify, the deposits on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX certainly meet the criteria outlined in the XXXX XXXX 

Despite this, I was informed that my credit limit was lowered from {$350.00} to {$80.00}. This reduction occurred after my recent deposit was applied to my outstanding balance, effectively reducing the funds available to me. It is unclear how using my deposit to pay towards an outstanding balance, and subsequently lowering it, is justified or compliant with the terms of service. 

XXXX XXXX XXXX : ** During my conversation with a Chime customer service representative, I sought clarification on why my limit was lowered despite meeting the eligibility requirements. The representative cited my last deposit of {$100.00} and stated that my lack of qualifying deposits over the previous XXXX weeks contributed to this decision. However, I pointed out that my significant deposits in XXXX should have ensured my compliance with the eligibility criteria. 

When I asked the representative to clarify what date was 36 days prior to today that will fall under XX/XX/year> ( today is XX/XX/XXXX ), he became unresponsive and eventually hung up on me. His responses were vague, and he indicated that the XXXX feature is generated without any clear explanation of how credit limits are determined. 

**Conclusion : ** I believe the actions taken by XXXX XXXX XXXX are unjust and not consistent with the terms outlined in the XXXX XXXX. I request that my situation be reviewed and that my credit limit be reinstated to a level that reflects my compliance with the eligibility requirements. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters about inaccurate information on my credit report. Transunion either doesnt respond, tells me to reach out to the company who intimated the inquiries to remove them, or just tells me its verified. So then I reach out to the company like they said, and the company cant verify it to me. But Transunion still wont delete this inaccurate information. So I dont believe they are verifying the information at all! They cant be allowed to just mess up peoples credit and leave things in there that are not yours! 
XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX
Product: Vehicle loan or lease

CREDIT ACCEPTANCE CO - {$9600.00} openedXX/XX/2013 ( 5 yrs, 6 mos ) this loan has been on my credit for five years, i have never been approved for a car loan this account can not be mine. please help [ me remove this from my credit report. it is showing on my XXXX and my XXXX. i have been fighting to get this taken care of for years, i need your help thank you.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts because they are all inaccurate, incomplete and unverifiable. After 30 days of waiting, all the credit bureaus completed their investigation and all came to say that these accounts were verified. 

in my request, I demanded documentation to verify these accounts, but none of them provided any type of documents. Under the 609 FCRA, credit bureaus are required to have the original consumer contracts, which they did not provide. 

Moreover, all the 3 credit bureaus verified these accounts to be correct but when looking at these accounts, they are all reporting differently. For example XXXX  confirm an account which was opened on XX/XX/2013 and Experian would also verify the same account to be accurate but the account shows it was opened on XX/XX/2013. 

The same account is showing late on XXXX, but on time with XXXX. Who is right and who is wrong? 

If an investigation was conducted, I need the names of people they spoke to, their phone numbers, the time and dates, also I need the original consumer contract bearing my signature that they all have on file. 

This is my last attempt to try to resolve this amicably. I need these accounts immediately removed from my credit report without any wait. 

My next step will be a lawsuit if this is not fixed immediately.
Product: Vehicle loan or lease

I cosigned a vehicle loan for a XXXX XXXX XXXX serviced by Wells Fargo in XXXX. I came across some old paperwork and discovered, as many consumers have, that additional insurance was added by wells, even with traditional insurance in place. It wasn't apparent at the time why the payments had increased, but the loan was more difficult to service as a result, it eventually ended in repossession and civil court judgements that I've had to defend myself from as recently as XX/XX/XXXX. I financed a house and car in XXXX, the rates of which were impacted the legacy of Wells ' actions. Please contact me for further documentation I'd be glad to provide, to assist the CFPB in taking corrective action against Wells Fargo. The damage that can be done, and has been done to borrowers, particularly minority borrowers like myself, can not be undone with dollars and cents, but require regulatory action.
Product: Debt collection

Allied Interstate sent a letter ( XX/XX/XXXX ) regarding a debt we disputed on XX/XX/XXXX when they used one of their other companies ( XXXX XXXX XXXX ) and used a different reference number. We explained that the original debt was disputed with the original debtor ( XXXX XXXX XXXX ) due to identity theft and fraud that the company refused to address, refused to cancel the card, and had the audacity to add late fees, over the limit fees, and even continued to increase the credit limit ( which was {$300.00} ) to {$900.00} to be able to include the fees. Allied Interstate now has sent another request for payment for XXXX XXXX XXXX, another of their companies. We have disputed this debt with the credit bureaus, the credit card company, and the police department, but it does not stop any of them from sending more letters demanding payment and threatening to affect my credit score, which has already taken a horrible hit since XXXX XXXX dares to say I am in default. This has affected my ability to obtain employment. This has gone on since XX/XX/XXXX and they continue to come at me repeatedly under a new name. This is just beyond frustrating. I don ; t know who else to turn to since even when you write and dispute a bill they just change name and start all over again.
Product: Debt collection

Santander Bank refusing to correct the amount owed to the bank. Debt owed was settled in full via debt collector transaction. Settlement offer and paid in full statements were provided to Santander Bank and credit reporting agencies with no effect. Credit History is being negatively impacted and negatively impacting my finances daily. Spoke with Santander Bank contact center manager in the debt collection department several times and have contacted the debit collector agency used by Santander Bank. Was told this will be resolved over and over again to no effect. Will be providing the debt settlement letter. If a financial institution is making an offer to settle debt and doesn't come through on the promise, this is both a deceptive practice and should be investigated by CFPB for repeated patterns of consumer abuse.
Product: Credit card or prepaid card

I just opened a capital one credit card and I had my card since the XXXX of this month. I been going thru it about verifying my identity. So I haven't been able to enjoy my benefits. I had lost my wallet that containing all my information. Capital One wanted me submit documents of my identification card but I didn't have one at the time. So I just got a new Identification Card and they still taking me thru a lot to take the hold off my account. I have no electricity in my home because I was counting on capital one so I can pay my bills but as you can see it didn't happen. So I'm in the cold and in the dark. I stay in XXXX Kansas where it snows and get cold. I really need help with getting my account off hold ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem lies with that Equifax will gladly mail a copy of the credit freeze to my foreign XXXX address, however will not allow me to login and view the data. Regardless of how many attempts to speak with an agent or email the request, the account remains locked for some reason. Besides, Equifax does not recognize that US citizens living abroad are also US consumers. This creates a problem for many individuals, who are just trying to view their report and ensure that the data is correct. However, creating a lock on the account for some unknown reason creates suspicion of other activities. From the email, " You will also receive a confirmation in the mail, which will go to your address in XXXX ; '' and " The security breach was reported on XX/XX/XXXX, Equifax made available to all U.S. Consumers on XX/XX/XXXX called XXXX & XXXX. '' In the meantime, this is the continued error that Equifax produces when attempting to login into myEquifax account : https : //my.equifax.com/membercenter/ # /login/error/mc-customer-care
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.