23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX, I noticed that my SSN was filed as the incorrect number with Capital One, so I sought to fix it. I immediately contacted Capital One and I was told to submit a W-9 form by a link to a secure document upload from email to request my SSN to be changed, which I promptly completed. I was also told that during this process, Capital One was to lock my account, until they had changed over the SSN. Hearing nothing more after submitting the form, I called back on XX/XX/XXXX to ask about the status of the form, and was informed that the form was completed incorrectly, as I had not completed one important piece of the form. I realized my mistake and was quick to correct the error, and double-checked the rest of the form this time to ensure its accuracy. I resubmitted the W-9 along with a scan of my Social Security card . Nearly two weeks later on XX/XX/XXXX, and I've heard nothing yet again about the whole situation. I call back Capital One yet again only to be told that no such system exists to submit forms over email. I am then transferred to several other representatives until someone who actually knows what they're doing picks up. For some reason, unlike before, now in order to check the status of my form, they need a form of verification. So, I complete the verification a couple of times until it works and get a success screen. The representative instead says that it failed however ( when it didn't ) and that he couldn't be bothered to try it again. So I call back to get another representative and this time, the representative is very kind and understanding of the situation. He suggests that I resubmit my form yet again, since it won't hurt, and the verification process with him works seamlessly. He checks on the form and it appears that it had not been reviewed yet, which he said is unusual and and I agree, such an extended time-frame is rather unacceptable. Bear in mind that since XX/XX/XXXX, I have not had access to any of the funds in my checking account, since it was still locked. So, I resubmit the form as per his request and thank him for his empathy. It is now XX/XX/XXXX and the account is still locked, and I see how far we are getting by contacting Capital One ( nowhere ) and now am I here to submit a complaint. For 23 days now, my checking account has been completely inaccessible and I can not deposit nor withdraw funds from it.
Product: Vehicle loan or lease

I made the  XXXX     2017  payment. US Bank stated I did not make the payment.   XXXX  I provided a canceled check showing them cashing the check and receiving the funds but they refuse to credit the payment to the account.   XXXX  They are now reporting me late to the credit bureau and charging late fees.   XXXX  I filed a dispute on  XXXX . They said it would be fixed and resolved by  XXXX  but as of  XXXX  after spending  40  minutes on the phone it 's still not solved.
Product: Credit card or prepaid card

Hello, I am a XXXX citizen who has a permanent resistant green card. I have a social security number and live in the XXXX  with my husband. I do have a checking account and savings account with XXXX and XXXX XXXX however I have tried to apply for a credit card with both banks but the applications get denied. The reason always says : unable to confirm applicants identity. Both I and the banks are confused and unsure why this is happening as I have a social security.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to dispute the inaccurate reporting of the loan account XXXX associated with my name to the main credit bureaus. Contrary to the current records, this account should not display as active by Goldman Sachs Bank or with a balance. 

Goldman Sachs Bank closed my account and transitioned the service to a sub-par company in XXXX of 2023. This practice makes me doubt of the solidity of this bank and I highly encourage other customers to question their investment in such bank with such unfair and deceptive practices. They didn't give proper notice of this transition and they refuse to answer any questions via their customer service. I also took all my savings out of this bank and moved them to a safer bank. 

The mentioned account was officially closed by Goldman Sachs Bank on XX/XX/2023. Despite this closure, it has come to my attention that Goldman Sachs Bank continues to report this account as active, with an outstanding balance, and inaccurate recent payment history to the credit bureaus. This inaccurate reporting is affecting my credit unfairly and must be corrected immediately in all credit bureaus. 

This oversight and unfair practice is causing a significant impact on my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

When a collection went on my account. That day my score dropped XXXX points in XXXX. Now it has been removed and has not been changed. XXXX XXXX promised 6 times to remove two late credits and even provided this in a letter. These are my only late payments recorded on the report. Please remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

date XX/XX/14 looking at my credit report you are reporting inaccurate information from XXXX. 1st you are listing this account as a CHARGE OFF not a repossession which is a violation. 2nd the high balance isnt the same balance. XXXX/transunion is reporting {$21000.00} and XXXX  is reporting {$4600.00}. if you all are getting the information from the same collector why are the numbers different? 
this needs to be deleted off all 3 of my credit reports immediately. Also after numerous times of asking a representative they could never VALIDATE this inaccurate debt. 

plz see attachment below
Product: Mortgage

Nationstar Mortgag e ( Loan  #  XXXX   ) pai d, early, to  XXXX   XXXX   XXXX , our annual premium. At the time, we were in the process of refinancing and changed our insurance company to  XXXX   XXXX .  <P/>  XXXX   XXXX  assured us they had refunded the money to Nationstar and that the {$490.00} would be refunded to us " in several days. '' This was on the  XXXX  of  XXXX .  <P/> Nationstar continues to send us auto-responses that say they 'll get it taken care of " within 30 days, '' but that date has come and gone.  <P/> In addition to the {$490.00} that was sent to the wrong company  ( our new mortgage holder paid the premium when we refinanced, so the refund is due to us ), there is an additional {$130.00} and change due that was a overage they collected during the year. Nat ionstar claims they cut that check on  XXXX   XXXX , but we have not seen it.  <P/> We have no disposable income and were counting on the {$620.00} to offset most of our  XXXX  mortgage payment. Unfortunately, we had to pay it without having that money and we are at risk of being overdrawn in our checking account.  <P/> Please help us. We 're just plain working people trying to stay afloat in this perilous, uncertain world.  <P/>  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  AZ  XXXX   XXXX  XXXX  XXXX
Product: Credit card or prepaid card

The bank closed my credit card during a period in which I was experiencing great financial difficulty. I had a number of issues due to an identity compromise. This was documented ( FTC Report # XXXX, XX/XX/XXXX XXXX, and again another through the XXXX  XXXX  in XXXX ( claim # XXXX ). At this time, I fell behind on my credit card, and at 60 days late, the bank " closed '' the card. The bank has made no effort to find a fair solution to this temporary situation. 

The bank continues to accrue interest on this account as if it were an active credit card. I've been paying on this account for many years and the balance does not go down by much ( maybe a couple XXXX dollars on a {$25000.00} debt ). It is negatively affecting my ability to obtain a better credit alternative ( balance transfer ) and housing ( denied applications ) because it shows on my credit report as " over the limit balance '' even though it was under the limit when the debt was charged. 

The bank will not help come to reasonable terms in any way without further penalizing me. My credit score is dragged down that I can not secure a lower interest loan to overcome this debt. They want to close all of my credit accounts, even those that do not have any negative history, before they offer any relief to reduce the interest ( and this would be a term limited benefit at the cost of a long term credit impact ). These actions and the ensuing harm caused to me are disproportionate to a 60 day late credit payment that occurred many years ago. I feel entrapped in this situation and the business has priced this debt such that it can never be repaid.
Product: Debt collection

Under the FDCPA, if a debt collector is attempting to collect on your debt, they need to do so according to the original signed contract. This contract refers to the one you signed with your original creditor. Meridian Financial Services , Inc. is attempting to collect a debt and has added fees in excess of 34 % ( {$320.00} ) of {$970.00} balance due on my maintenance fee for my time share at XXXX XXXX XXXX. The 34 % of additional fees that Meridian Financial Services , Inc., is attempting to collect is not allowed by the original signed contract # XXXX signed on XX/XX/2002. Number 4 in the contract stipulates that maintenance fees is payable during the schedule year of occupancy and does not stipulate a fee charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. Not only have them ignored my prior requests for validation of debt ( see enclosed copies of receipts letters ) but they also continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow guidelines of The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity Theft i did not give any Consent to anyone to open these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity fraud, I am elderly and XXXX. I have tried many times to all credit bureaus to have the incorrect information removed and they refuse or delete and add again. This complaint is against XXXX, XXXX, and Experian for violating my consumer rights during the covid 19 pandemic causing financial difficulties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a new mortgage that has not reported to my credit report. I have made 3 monthly payments and about to make a XXXX payment on XXXX XXXX.
Product: Mortgage

My issue has to do with an existing mortgage, but the categories available doesnt fit my issue. I am setting up a revocable living trust and reached out to our mortgage company ( Home Point Financial Corporation ) on XX/XX/21 to inquire if a due on sale clause will be invoked should I transfer title of the deed to our home to our names as trustees of the trust. I also informed the supervisor that do not wish to make any changes to whom is responsible for the loan itself. Our individual names will still be on the loan and the trust will not be listed as the payor of the mortgage. We spoke to a supervisor who was unable to answer our question so we requested to speak to someone in the legal department to see if they had the answer. Home Point refused to transfer us to the legal department and in addition refused to provide an answer over the phone or in writing. I believe this is a common situation that should be easily answered in writing, but they refused to do so and would not give us a legitimate answer on why they would not provide it in writing. I also know that it is illegal to invoke a due on sale if I transfer the title of the deed to our home to the trust, but they refuse to acknowledge that fact.
Product: Credit card or prepaid card

Dear Sir/Madam, I 've met the sign-up purchasing two months ago, and yet my bonus XXXX XXXX points are still not in my account till now. I 've contacted AMEX a couple of times but the issue has n't been resolved. 

Sincerely, XXXX XXXX
Product: Credit card

I continually receive solicitations in the mail for the XXXX XXXX issued by Elan Financial Services. This marketing is disruptive and invasive. I called Elan Financial services today XX/XX/year> and they advised me they were unable to stop me receiving marketing as XXXX was responsible for the mailers. However, Elan is the issuer and they claim to have no control over their partner 's marketing efforts. 

I want this marketing stopped as it is disruptive and Elan needs to control it's cobrand partners and remove me from their marketing list.
Product: Credit reporting or other personal consumer reports

I have opted out of credit reporting and Tally is acting unlawful by denying my request. Tally is in Federal violation. As per the provisions outlined in the United States Code Title 15, Sections 6802-6805, commonly referred to as the " Gramm-Leach-Bliley Act, '' creditors are required to provide consumers with the option to opt-out of having their information reported to credit bureaus before automatically opting them in. This legislation emphasizes the importance of consumer privacy and the right to control the dissemination of personal financial information. Therefore, creditors should afford consumers the opportunity to make an informed decision regarding whether their credit activities are reported to credit reporting agencies, thus safeguarding their privacy and financial autonomy. After further review Tally did not provide me the option to opt-out of credit reporting and does not have specific provisions readily available that denies the consumer ( account holder ) the right to revoke consent to report my information to credit reporting agencies in the Card Member Agreement. Further more the account is being reported as charge offs. Tally can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from Tally for the cancelled debt of the alleged debt in order to file as ordinary income Tally where is my 1099-C? Tally is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! Tally has been HEREBY PUT ON NOTICE that they are furnishing incorrect, inaccurate, un authorized non public information!
Product: Debt collection

Contacted company to advise I do not owe on said debt. Talke with XXXX on XXXX XXXX hrs. EST. regarding his attempt to collect and unvalidated debt for Mercantile, and I am disputing any and all attempts, according to Georgia State Staute Codes according to law. Furthermore ; any and all collection attempts cease and desist immediately!
Product: Student loan

On XX/XX/2023, I received an e-mail from Nelnet explaining that " On XX/XX/2023, the COVID-19 student loan payment pause ended, '' and that monthly payments would again be required. It further explains that the US Department of Education has instructed Nelent to place an administrative forbearance on my account for the month of XXXX, XXXX  and that the first payment would then be due in XXXX. However, during this forbearance period, interest would still accrue on my loan balance. The email continues, and explains that if I would prefer to begin making payments in XXXX, there are XXXX ways to opt out of the forbearance period by XX/XX/2023 : Reply directly to this email, no log in required. 
Log in to your XXXX account with your username and password. 
Call us at XXXX from XXXX a.m. to XXXX p.m. ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  and XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I wished to opt out of the forbearance and I let Nelnet know this by replying to the email on XX/XX/2023. I have not received a response to this email and there is no indication on my account that my loans are not in forbearance. 

By XX/XX/2023, I had still not received any indication from Nelnet that my loans were not in forbearance. I also checked my email account 's spam mail folders to see if any response had ended up there, but none had. It was on this date that I again replied to the original email again, explaining that I would like to be taken out of forbearance, however I added a sentence explaining that I have already requested this and haven't received a response. After sending this second email, I immediately received what appears to be an automated response thanking me for my inquiry and saying that an advisor will respond as soon as possible. As I am writing this, it has been a week and I still haven't received a response. 

This has been a rather frustrating experience as this is my first time contacting Nelnet since they became my new loan servicer and it will be the first time I am required to make a payment through them. It seems like it shouldn't be this hard to what seems to be simple ; respond to my email and remove the forbearance.

I have attached all referenced correspondence below. The original email explaining the forbearance is named " Nelnet Forebearance '', my responses to the email are named " Response 1 '' and " Response 2 '', and the automated reply is named " Nelnet Automated Response ''.
Product: Debt collection

This company is reporting 1 item to my credit that are not mine. This must be a result of fraudulent use of my name. I have tried to work and explain that to them and they continue to report on my credit a clear violation of FCRA and violation of FDCPA for attempting to collect on a debt that is not mine. I only have the last four of each account. I only have XXXX as an identification number the account they are passing as mine.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

there are numerous inquiries in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : XXXX XXXX  inquiry date XX/XX/XXXX EQUIFAX XXXX inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXX  inquiry date XX/XX/XXXX EQUIFAX XXXX  inquiry date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

account is closed and they have charged it off which should then be reported as a XXXX balance on my credit report and they continue to show it as a active delinquent account with an outstanding balance of {$420.00}. When using a credit monitoring service through XXXX to dispute this error the creditor has only updated the info as if the lingering balance is correct, and it's not. In addition they have recently sold the account to a collector, and now even further my request to have the balance updated should be honored, and they still refused to show that the account has been sold.
Product: Credit reporting or other personal consumer reports

Account # XXXX Account name : XXXX Report date : XX/XX/XXXX This account has not been late on payments I have attached a copy of my report to this complaint on the following dates ( April 2023 30 days late on XXXX XXXX Experian and XXXX XXXX 60 days late on XXXX and No record on Experian and XXXX.How is the possible for the same account, this is inaccurate. 

For the the date of Last active on XXXX XX/XX/XXXX on Experian XX/XX/XXXX and on XXXX XX/XX/XXXX. this is inconsistent and inaccurate for the same account ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

Dear Transunion XXXX, I hope this letter finds you well. My name is XXXX XXXX, and I am the XXXX  XXXX  XXXX of XXXX XXXX XXXX, a XXXX dedicated to assisting victims of XXXX XXXX, particularly those impacted by debt bondage. Our mission is to provide comprehensive support services, including legal assistance, counseling, and financial education, to help survivors rebuild their lives. 


Under the XXXX XXXX XXXX XXXX, we are committed to advocating for the rights of victims and ensuring they receive the resources necessary to escape the cycle of exploitation. We believe that collaboration with organizations like Transunion is crucial in our efforts to restore financial stability and dignity to these individuals. 


Transunion has willfully and negligently continued to deny the block requests of survivors coming from my agency. I have attached a copy of the authorization letter to this correspondence. I, XXXX XXXX, am the authorized representative for the victims and survivors. 


TRANSUNION is declining the request to block information for XXXX XXXX survivors. XXXX XXXX XXXX is an accredited XXXX authorized by the XXXX XXXX XXXX XXXX. I have attached the XXXX XXXX to this complaint. These victims and survivors are being deprived of an equitable resolution under the XXXX XXXX XXXX XXXX and Transunion is violating FCRA XXXX by delaying the process of blocking information within XXXX business days.