23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX at approximately XXXX I spoke to a Nelnet representative, XXXX . After verifying my identity with XXXX by providing my address and phone number, I requested the original instrument of indebtedness for my accounts. XXXX stated she had never heard of the document, but she would refer the matter to a higher up and would get back to me. After a few minutes of being on hold XXXX came back to the phone asking if I was referring to the Master Promissory Note ( MPN ). I responded with " yes '' and requested it to be sent to me via Email. Weeks, months and a year went by, I had received nothing from Nelnet. 

On XX/XX/XXXX, I sent a certified notice to Nelnet requesting the original letter of indebtedness again. On XX/XX/XXXX, I received an email from another Nelnet representative, XXXX XXXX stating they received my request and to please allow them 30 days from the date of receipt to send the requested document. I waited 30 more days and Nelnet failed to send the requested document. I then sent a demand to Nelnet on XX/XX/XXXX, requesting a trilateral contract regarding my account outlining the terms of our engagement moving forward. 
Nelnet failed to respond. 

On XX/XX/XXXX I sent a conditional acceptance letter to Nelnet stating if they provided the requested documents ( original instrument of indebtedness or a trilateral contract ) I would begin to make payments. It wasnt until XX/XX/XXXX I received a missed call and a voicemail from Nelnet representative XXXX to return their call. I returned XXXX phone call on XX/XX/XXXX. I spoke to another representative who stated Nelnet called me on XX/XX/XXXX to ask me what I was requesting. I stated I needed my original instrument of indebtedness ; the representative placed me on hold and the phone call ended abruptly. 

After waiting nearly, a year I received a copy of a Master Promissory note dating back to XXXX. The Nelnet representative who sent these documents to me XXXX XXXX stated they feel Nelnet has not violated my rights as a consumer, however Nelnet claims I owe over {$100000.00} in student loans but the Master Promissory Note attached to my account is only for the amount of {$1700.00} and {$1000.00}.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name - Account Number XXXX XXXX XXXX XXXX XXXX *Date of first delinquency illegally being changed Should reflect the amount first delinquent ) Changes after 180 Charge off Status
Product: Credit reporting or other personal consumer reports

Date opened XX/XX/XXXX XXXX {$2100.00} I contacted them about this reporting in XX/XX/XXXX, by XX/XX/XXXX this matter is still unresolved. Attached is the letter sent
Product: Mortgage

My loan was service transferred from XXXX Mortgage to LoanCare Servicing on XX/XX/2016 ( I was never notified of this service transfer ). I began receiving collections calls from LoanCare in XXXX - I have NEVER paid anything a day late in my life and I knew the mortgage with LoanCare was paid months in advance. I called LoanCare and we were told " sorry you 're delinquent and have to pay. '' After I did a lot of research and digging, I identified that on XX/XX/2016 XXXX applied a payment to principal in error. I called XXXX and spoke with XXXX on XX/XX/2016 who acknowledged their error. At my request, I had XXXX call LoanCare with me on the line to find out how XXXX can get their error corrected since LoanCare is the new servicer. The representative we spoke with indicated for XXXX to email XXXX with a copy of the payment history showing their error for it to be corrected within 72 hours, which she did on XX/XX/XXXX at XXXX. I called LoanCare on XX/XX/XXXX, was told it has n't been fixed yet. Called LoanCare on XX/XX/2016, was told they never received the email, called back on XX/XX/2016 and was hung up on by two different representative because I requested a manager and was told I could n't speak to one and then after 45 minutes on hold was informed that I was on the phone with a supervisor and she would research the issue and call me back - I never received a call back. I then called today and after speaking with another very rude representative, I requested a manager. I specified a manager and was transferred to XXXX who informed me that he was the Customer Service Manager. XXXX in fact is a Collections Team Lead, NOT a Customer Service Manager. XXXX was incredible rude and disrespectful on the telephone to me. After over an hour on the phone ( of which 95 % of that time I was on hold by XXXX ), XXXX disconnected me from the call. I then called back and was put into XXXX 's voicemail in which I informed him that I was filing the CFPB complaint. Later, I received a call back from XXXX, I had to re-send him the information from XXXX and was told that they would try to fix the issue. I am appalled by the level of customer service and the amount of time I have had to spend on the telephone with LoanCare to get a simple payment history error corrected. The evidence of XXXX 's error, from XXXX, has been sent to LoanCare over 3 times now and may payments are still showing delinquent. I am aware of the service transfer laws where I have 60 days until credit report and late fees are assessed, well, that 60 days is up XXXX and my payments are still incorrect. Not only have I wasted my time spending hours on the phone with LoanCare, but I 've been disrespected, talked down to, and hung up on more times than I can count. I have already informed my attorney that to prepare to file a lawsuit if this issue is not resolved as this is unacceptable in my opinion.
Product: Debt collection

I received a letter datedXX/XX/XXXX from XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX in behalf of Crown Asset ManagemenXXXX requesting payment on an alleged debt. On XX/XX/XXXX, I sent them a letter requesting that they validate the alleged debt. However, I never received any response from them. 
I then started to receive advertisement mail from different law offices informing that Crown Asset Management has filed a lawsuit against me onXX/XX/XXXX. I then checked the court system, and saw that they had a court hearing set for XX/XX/XXXX. OnXX/XX/XXXX an attempt to serve the summons to a random address was made when the summons had my correct address. 
On XX/XX/XXXX, I still went to court to avoid any confusions or a default judgement ; however, no one was there, and the Judge advised me to leave after seeing the attempt they made to serve me.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had an XXXX XXXX through XXXX XXXX and paid the balance in full and closed the account XX/XX/year>. I received emails XX/XX/XXXX soliciting payment. When I called they claimed the charges and accrued interest was due to a system error, and they reported this negative information to credit bureaus.
Product: Vehicle loan or lease

BMW financial services ( BMWFS ) assessed a balance of over {$2500.00} upon vehicle return from a lease in XX/XX/2017. Payment arrangements were made through BMWFS for auto pay, however the account was sent to collection. Several attempts have failed to resolve the matter as both the collection agency hired by BMW and BMWFS refuse to clarify what will happen once the balance is settled. I have expressed my willingness to pay this account from the onset however they will not clarify how they will be reporting to credit bureaus once the account is paid.
Product: Debt collection

I informed the company that I was recording the phone call and I requested that they can not call me. They called me the very next day. I spoke with the same person and he told me he wont call again. I called in to try to talk to a manager named XXXX and he would not listen to me and hung up on me.
Product: Credit reporting, credit repair services, 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. Accounts XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency 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

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX XXXX Account XXXX, Account name : XXXX Account number XXXX, Account name : XXXX  XXXX Account number XXXX, Account name : XXXX XXXX XXXX XXXX  Account number XXXX, Account name : XXXX XXXX XXXX XXXX Account number XXXX, Account name : XXXX XXXX Account XXXX, Account name : XXXX XXXX Account number XXXX, Account name : XXXX XXXX Account XXXX, Account name : XXXX XXXX Account XXXX, Account name : XXXX XXXX Account XXXX, Account name XXXX XXXX Account XXXX my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Checking or savings account

Beginning in XXXX XXXX XXXX I have made numerous requests to close my deceased father 's Traditional IRA account. My father 's name is XXXX XXXX XXXX and he resided in XXXX, FL. As the beneficiary, I have supplied 4 copies of his death certificate, 3 at the local branch on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, 1 by certified mail on XX/XX/XXXX and 1 by email on XX/XX/XXXX. I have provided all documentation they have requested but keep getting told I need to go back into the branch to close the account. I live in Utah and the branch is in Florida. My last conversation by phone with the branch was that they could not close the account by phone and requested I email to " XXXXCadencebank.com ''. I sent a final email on XX/XX/XXXX, and still no response. Included in this email was a cover letter with direction to close the account by mail, copy of death certificate, copy of trust account showing me as his Successor Trustee, copies of written distribution request from each beneficiary ( 3 of us ) notarized and included copies of all drivers ' licenses.
Product: Credit reporting or other personal consumer reports

Went to check my credit score and report and it has one hard inquiry from CBNA that i do not recognize nor did i apply for this.i requested information from the company and all they keep saying is verified and accurate. i have showed the police report stating that im a victim of identity theft and still werent able to give me answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020 SECOND BOX REMOVE THESE INACCURATE FALSE ACCOUNTS IMMEDIATELY
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. 
Account name : # XXXX XXXX, Account name : # XXXX XXXX  Account name : # capital one # XXXX Account name : # XXXX XXXX, has violated my rights. 


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: Debt collection

" Security Credit Systems " has harrassed me for several months seking to collect a debt from a third party. they have ben told repeatedly i am not the debtor, nor will i give them any information on a third party. they have been asked by me to stop calling 5 times.they call from this number XXXX XXXX XXXX most recently XX/XX/XXXX at XXXX XXXX  and then again on XX/XX/XXXX XXXX XXXX  on my cell phone. ( XXXX XXXX XXXX ) they have also called y wif'es phone each time they have tried mine, she is not the debtor, either.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I owed a balance to USAA. I filed for bankruptcy and included the balances, even though I paid them off after the bankruptcy was discharged. They put on the XXXX XXXX list and i have not been able to open a checking account because of them black listing me. I have paid everything owed to them even though I was not responsible for paying them back since they were discharged, They said that they will keep me on there since I filed for chapter XXXX for 7 years.
Product: Credit card

Credit Karma recommended I had outstanding odds of getting approved for a XXXX XXXX credit card that I applied for and was rejected. This negatively impacted my credit score. However Credit Karma had advertised that if I was not approved for the card, they would compensate me with {$50.00}, which they did not. I contacted them multiple times and each time Credit Karma acknowledged that would send me instructions on how to redeem the promotional offer but its been a month and I am still waiting. This is misleading advertising and has come at a personal cost to my credit score. I deserve to be compensated.
Product: Credit card or prepaid card

My account was closed at credit grantors request which is in violation to FEDERAL LAWS. Violation to 15 USC CODE 1691, I am due {$10000.00} in damages. 15 USC 1681n I am due {$1000.00} in damages per violation.

My account was closed with out my knowledge or approval where is my green receipt/proof you sent anything regarding this account?

According to 15 USC 1602 ( p ) late payments are considerate unauthorized use, I did not get a benefit from the late payment as a credit card holder. I never got the proper documents or disclosure needed to correct payment According to 15 USC 1605 how am I late? The finance charge connected to my consumer credit transaction include all fees.

I am demanding according to my consumer rights, per the federal laws that my account is reopened with an open ended credit card and yall must report only positive information. ( COPIED FROM AFFIDAVIT SENT OT THEM )
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of 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 checked my credit report and saw multiple accounts reporting that I do not recognize. This is hindering my life and needs to be removed from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX, XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX Balance : {$44000.00} Medical XXXX Balance : {$220.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Mortgage

Better Mortgage / XXXX is offering something of value with refinances a {$2500.00} XXXX credit which is not legal and something of value to close a loan, as well as offering referral commissions to marketing. This is published not only on the attached but on their website directly.
Product: Student loan

I received a XXXX at the for-profit school " XXXX '' in XX/XX/2000-XXXX around $ XXXX. Over the last XXXX years I have paid $ XXXX dollars per month in totaling some $ XXXX. Over the years I have had a hard time paying in spots and they have always denied me the possibility of deferring and suggested I would not only go into default but that my mother 's credit would also be destroyed. It is my contention that due to the insane interest Ive paid ( over twice what the loan was for ) and the lack of options I have been given, I should be able to be able to have some satisfaction after being abused and harassed as a borrower. Additionally I am two months behind currently and they are calling my cell phone at all hours of the day morning, afternoon evening and when I sleep. I am tired of this and want to know when my rights will be cared for as a consumer who was not told my education loan would cost 3 times what I got.
Product: Checking or savings account

Discover Bank withdrew funds for an XXXX XXXX to another one of my bank accounts on XXXX/XXXX/XXXX. They have repeatedly claimed that they issued an XXXX XXXX instruction on XXXX/XXXX/XXXX as part of that XXXX/XXXX/XXXX Tuesday evening 's business to credit my account at the XXXX. However, those funds did not arrive at the XXXX until today XXXX/XXXX/XXXX, two days after they should have arrived for an XXXX XXXX transaction submitted with Tuesday evening 's business. 

Discover Bank refuses to account for who had my funds on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX or to explain why my funds were missing for two days. Instead, they think that I am some XXXX XXXX who does not understand how the Federal Reserve Automated Clearing House system and its transactions work. 

Furthermore, Discover Bank blames my XXXX for not properly crediting the funds to my account in a timely fashion, something that I believe that is defamatory to my XXXX and that I believe that can prove is not the case, basically, because my XXXX is not a XXXX bank that plays games with other people 's money. I have spoken with the XXXX, and they have said that no aspect of the XXXX XXXX was delayed on the XXXX 's end because of any exception handling or any other problem : this delay resides squarely with the XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 which was my latest certified letter sent, I updated my personal information with these credit bureaus. Its been OVER 30 days. No information has been corrected. This is stopping me from getting employment and into a new vehicle. I just had a XXXX  XXXX XXXX  ago this is a hindrance. Because by law this information shouldve been updated. Also my information was sent to a collection agency that I have no contract with. That is a breach of my privacy and against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX and # XXXX and # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instruction
Product: Credit card

Ensure these accounts are updated so that no late payment records appear on my credit report.