23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. I am receiving multiple mailing from companies offering me a loan. They are doing that because the credit bureaus ( XXXX, XXXX and Trans Union ) are sharing my personal identifiable information with them. I received a letter for example from XXXX XXXX with the amount of my debt. The letter provides the names and addresses of the credit bureaus to opt out, which I have done and I'm on their do not mail list. The problem is that the information should never have been shared with these companies in the first place. In my situation, the damage is done. My husband found out about it and its a problem for me ( I loaned my brother a significant sum ). 

I receive information from credit card companies assuring me that my PPI is protected, and I have to create passwords to view my data, and the credit bureaus can just share my information without my consent and the burden to call and write letters is on me. 

This isn't right.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Mortgage

I am trying to communicate with wells fargo. all my home equity payments have been made. I did not agree to any deferment, nor did i answer any of my mail, due to problems with the mail, i didnt even get any of their letters. 

They keep trying to charge me with a deferment, and therefore affect my credit, and my creditworthiness. 

they promised me a detailed letter and proof that they said i called in asking for a deferment. I never called in, i call quite often to go over my account. that is it. 

they promised to send a detailed letter, and instead they sent a pretyped letter with no signture, which i cant understand. T This seriously damages my credit, and they are treating me disrespecful, denying my rights as a disabled person, to understand their literature, refusing to go over my account with me, and sending ambigous literature. i asked for a detailed accouting of all my payments, and they did not send that either. 

i wish to file a grievence, i am on hold fo rlong wait times, they sometimes have a tape on that they are not open,
Product: Debt collection

LVNV FUNDING LLC is billing me for a credit card debt I do not own or have ever owned. 
Identity theft victim.
Product: Debt collection

This account was charged off and I no longer owe money to this creditor but its still showing a balance due.
Product: Credit reporting or other personal consumer reports

This loan from BMG for {$520.00} is closed and plaid. is still shows up on XXXX, it does nothing for my credit but shows additional credit loans, please removed this closed and paid off loans. 



XXXX is kiiling my credit with the inaccuracies and this is illegal.
Product: Vehicle loan or lease

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that JPMCB - AUTO FINANCE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting or other personal consumer reports

The following accounts are listed as charge offs and or do not belong to me and the company has yet to verify and correct this information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C1681 section 602 A. states I have the right to privacy. 15 U.S.C1681 section 604 A. section 2. it also states a consumer reporting agency can not furnish an account without my written consent. I have never consented to any information being published.

I did not receive any 1099-C cancellation of debt forms for ANY of the listed accounts. Which means now this information is inaccurate on my report and needs to be removed. I am also seeking monetary relief for these errors most importantly this has harmed my chances of obtaining personal and business credit to provide for my newborn child. These accounts have been reported incorrectly even after my latest disputes of all of the same items from XX/XX/2023 with the agency.
Product: Student loan

Nelnet is the servicer for my federal student loans. They acquired my former servicer Great Lakes several years ago, and they officially closed Great Lakes and transferred all accounts into Nelnet in summer 2023. Since then, I have tried several times now to get information about my repayment schedule. I have a graduated repayment plan which means that my monthly repayment amount will increase over time. I need to know when the repayment amount will increase and by how much in order to plan my other expenses. 

I have repeatedly asked for this information from Nelnet, but the company has never given this to me. Often, I have gotten wrong responses ; sometimes, I receive no response or just a reply that they will send it later, but it never comes. 

About the wrong responses, XXXX  Nelnet rep told me over the phone that my amount would change the very next month, but she couldn't tell me by how much. It didn't change at all the next month or the month after that. Another time, when I contacted them by email about this, the rep was clearly responding to someone else 's issue, since they referred to me by the wrong name and discussed details that have nothing to do with me or my question. When I pointed this out, I received no reply. 

I have also filed a complaint with the XXXX XXXX XXXX, requesting the payment schedule, and the only response was that they would send the schedule soon, but it has never come.
Product: Debt collection

Credit cards were charged off.companies that purchase written off charges buy old dedits sue me for loans I did not take with them.
Product: Checking or savings account

On XX/XX/XXXX I mistakenly attempted to deposit a check as part of a side hustle that turned out to be a XXXX  and a XXXX  check. This check was from XXXX XXXX  in the amount of {$1900.00} with Check Number XXXX and XXXX name of XXXX XXXX. I immediately received an email that a hold was placed on the check. 

On XX/XX/XXXX I attempted to purchase groceries at XXXX with my debit card which kept declining the transaction. I outreached the bank who informed me that my account was blocked due to fraudulent activity. This was a short phone call because I was still inside of XXXX. I paid with my XXXX  card and went home. I had never received an actual notification that my account was being blocked until this phone call. 

On XX/XX/XXXX I called the bank to get additional information about my accounts being blocked to find that XXXX  single XXXX of my accounts were blocked and that there will be no resolution until XX/XX/XXXX. There was nothing they could do for me as my accounts were under review. 

On XX/XX/XXXX I went to my local branch to get assistance from the bank personnel as I have XXXX  auto-debit payments that were now being declined. I can not pay my bills  and I have no access to any of my money. They informed me there was a XXXX  block on XXXX  of my accounts and we outreached the department from the branch. They advised that I was to call back on XX/XX/XXXX and request for my accounts to be reinstated and a resolution would be made. 

On XX/XX/XXXX I called the department back XXXX  and was informed that the case is still under review and I could not obtain XXXX  update. My husband then outreached and even spoke with a " supervisor '' and in the time of his call he was told by XXXX person there would be no resolution until XX/XX/XXXX, followed by being told by the " supervisor '' there would be no resolution until XX/XX/XXXX. With no concern that we can not pay XXXX  bills, etc. 
I returned to XXXX  local branch on XX/XX/XXXX for assistance. We outreached the department again and were specifically told that at the present time we had XXXX direct deposits that were pending. Once these deposits were posted then it would reinstate access and we would be able to access our accounts and funds on XX/XX/XXXX. 

On XX/XX/XXXX I attempted to make a withdrawal from the ATM which I was not able to do. I outreached to the bank again and was told that we would not have access to the funds on this date. I was told that it would be XXXX XXXX XXXX from when the XXXX direct deposits were posted and that also they would be ending the relationship with us. I was told that I can call back on XX/XX/XXXX and make the request for access for my funds without confirmation that I would actually get access that date. I then requested for my funds to be released immediately and they can end our XXXX and close our accounts right now and they declined to do so.
Product: Credit card or prepaid card

My XXXX credit card was charged {$810.00} on XX/XX/XXXX, two transactions of {$400.00} each. The charge was through Western Union, and I did not make this transaction and did not authorize use of my card for this transaction. Neither XXXXXXXX XXXX nor Western Union will give me my money back. Again, I never authorized the use of my card for this transaction. Western Union charged my card without my authorization. I have no idea who they gave the money too, none, and they won't give me the money back to me. They stole {$810.00} dollars from me and I'm getting it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In   XXXX  , I consolidated my student loans through loan servicer  XXXX   XXXX   XXXX  and the loan was funded through  XXXX . I have paid on the loan for the last 10 years without ever missing a payment. Last month,  XXXX  decided to switch servicers from  XXXX   XXXX   XXXX  to  XXXX   XXXX   XXXX  (  XXXX  ). When the loan servicers were switched by  XXXX ,  XXXX   XXXX   XXXX  reported to the credit bureaus that they were closing my account.  XXXX  reported that they were picking up my account. Because of this, the credit bureaus all recorded m y 10 year old loan a s " closed '' and opened a " new loan '' with  XXXX  - even though it is the same loan that the bank transferred.     This treatment by the credit bureau is unfair & inaccurate, making it look as if I just opened a new account when I am still paying the s ame 10 year old studen t loan. This is unfair to all of the persons transferred from  XXXX   XXXX   XXXX  to  XXXX , and in my case in particular, it dropped my credit score  XXXX  points just as I 'm starting to look into taking out a mortgage to purchase a home.
Product: Payday loan, title loan, or personal loan

Advance Financial got Harpeth Financial to garnish my check. They say I was served but I was not. I paid this loan off in full. Ive left tons of messages but they will not answer the phone or return my messages. They are garnishing almost {$700.00} bi weekly. Im going to to put in for a slow pay I guess even tho I paid it off because they wont respond to me and they wont return my messages. If they will just talk to me, even their mobile app shows that I owe them nothing. This is insanity. I think Im going to go to the news about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter to the credit reporting agency via certified USPS tracking numbers XXXX, XXXX which was received on XX/XX/2022 at each location. When I called the agency I was told no letter has been received. I know the USPS tracking service is accurate which leads me to believe the credit reporting agencies are failing to comply with my request. I have inaccurate information reporting on my report that is illegal per the IRS. I would hate for the company to find themselves in more legal issues for allowing this to be reporting when it is a violation of the fair credit reporting act. 
I have inaccurate accounts still being reported on my consumer report that this company has failed to delete as it is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. Remove this information from my consumer reports immediately. Account # XXXX Account # XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted company on numerous occassions from the months of XX/XX/XXXX until XX/XX/XXXX in regards to removing unauithorized inquires from my report. However their customer service would not help and take care of the negative inquiries reporting to my credit report. I recieved no help even though I was informed they were going to be removed within 10 days.

Capital one XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX Capital One auto finance- XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written letter after letter to Transunion  Credit Reporting Agency las t letter was sent  XXXX   XXXX  and I have n't received any paperwork that this debit belongs to me. I ask them to remove it off my credit report and they keep send letters verified but, not any paperwork of proof of who they spoke too, what the actual dollar amount or did they get this from a third party parroting agency? I also ask to check and change address because that may be an issue because my name is very common not sure if they did that but, I did put in a request for the correct address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize or benefit from any of the following inquiries. XXXX XXXX XXXX, XXXX XXXX, CXXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX, XXXX XXXX, XXXX XXXX- XX/XX/XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XXXX- XX/XX/XXXX, XXXX XXXX XX/XX/XXXX,
Product: Credit card

My complaint is against Chime Bank. On XX/XX/24, I rented a car from XXXX XXXX  Rental, XXXX, WA, using Chime Bank XXXX  credit card XXXX XXXX XXXX XXXX. A {$510.00} Rental car hold was placed on this card. I returned this car to XXXX XXXX Rental XXXX, WA, on XX/XX/24. The bill for this rental was {$410.00}. Upon reviewing my credit card activity, I noticed XXXX pending charges on my credit card, XXXX for {$510.00} and another for {$410.00}. These XXXX transactions caused my credit card to be over the limit {$420.00}. When I contacted XXXX XXXX  Rental, they informed me that on XX/XX/24 at XXXX AM, a cancellation was sent to Chime Bank. When I contacted Chime Bank, they told me to call XXXX to get the problem corrected. XXXX XXXX  Rental provided me with the codes XXXX and XXXX, canceling the {$510.00} hold. After numerous calls to Chime Bank and XXXX, it became apparent that Chime Bank was purposely giving me lousy information, including the transaction would fall off and your balance will be corrected. On XX/XX/24, the {$510.00} transaction fell off, and my credit card was still over the limit {$420.00}. Upon numerous calls to Chime Bank, the problem has not been corrected. Chime Bank employees have had me on hold for times over an hour and have disconnected me.
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied was subsequently approved for a Sychrony Bank Credit card. I was also informed via mail and on Amazon.com that my credit limit was {$1600.00}. 
My first payment was accepted on XX/XX/XXXX. I never enrolled in online billing, from XXXX XXXX through XX/XX/XXXX. I never received a statement from Synchrony Bank. 
I signed up for an online account XX/XX/XXXX. After creating my account and navigating to the make payment section, there was no payment due, however ; there was a balance. The payment section was grayed out and stated no payments could be processed at this time. I assumed it was due to my account being new. I attempted to log on to see my account balance several times after that, to no avail I did not receive any e-statements or paper statements during this time. 
On XX/XX/XXXX, I logged back into my online account and it stated that I had a past due balance. I paid it immediately, and thought nothing else of it. I was not thirty days late. 
On XX/XX/XXXX I received a letter from Sychrony Bank stating that they had lowered my credit limit to {$1000.00} the reason stated was based on a credit report obtained on XX/XX/XXXX.It listed Delinquent of derogatory accounts being recent. Balances on Bankcards are high compared to limits.Not enough balance paid down over time on retail accounts.No open or first mortgage accounts on my credit file. 
I contacted them on two occasions. I express my concern about my statements not being available to me, online nor via mail. I also asked them why did they reduce my credit limit based on a fraudulent credit report. I have had my credit file frozen for over one year. All my credit accounts are current and paid on time, including my mortgage.

My credit score was over 680. I was transferred to three different departments before I was finally transferred to an Underwriting Manager, I informed him of what happened and how the very same reasons listed on the fraudulent credit report they created and was the culprit. By lowering my credit limit they created ratio to debt in balance. The Manager assured me this would be addressed and the limit would be corrected to the original amount of {$1600.00}. He also told me to lift the freeze on my credit report so that they could pull my personal credit file.Today XX/XX/XXXX I received another letter from Synchrony Bank with yet another letter with another fraudelent credit report, the new one is saying that my account is currently past due.It also states that the current ratio to credit limit is too high on this account. 
I am being treated unfairly based on my rights under the FCRA. This company has systematically ruined my credit with false reports and has denied me the credit I have earned and deserve. I want my account restored.
Product: Debt collection

I moved from the XXXX XXXX XXXX at the end of XX/XX/XXXX or the XX/XX/XXXX. My lease ended on XX/XX/XXXX and it was agreed between myself and the property manager that they would keep my security deposit in lieu of XX/XX/XXXX rent. I cleaned the apartment and left the key. I have never received a call, email, nor a letter in the mail from the XXXX XXXX XXXX stating that I owed them any money. I had all of my mail forwarded to my new address when I moved from the XXXX XXXX XXXX. 

On Wednesday, XX/XX/XXXX, at XXXX, I received a phone call from Capstone Collections stating that I owe {$690.00} to the XXXX XXXX XXXX for cleaning fees and change of lock. Prior to this phone call, I have never received a phone call nor letter in the mail from XXXX XXXX stating that I owed anything to the XXXX XXXX XXXX. Because I was disturbed and caught off guard with the call, and I did not want anything to hit my credit, I asked what I needed to do to keep it from hitting my credit. The lady told me that I could pay {$100.00} a month until it 's paid off. I asked for her to send me something in writing and I gave her my address. 

On Sunday, XX/XX/XXXX, I checked my credit report on XXXX XXXX, and saw that Capstone was reporting on my credit report as of XX/XX/XXXX, and that the account was opened with them in XX/XX/XXXX. To date, I still have n't received anything in writing from Capstone. 

Finally yesterday, XX/XX/XXXX, I received a letter in the mail from Capstone dated XX/XX/XXXX title ***Credit Bureau Alert*** stating if I do n't respond they will send the debt to the bureaus. The account has already shown up on my credit from Capstone!!!
Product: Debt collection

The debt collectors called I told them this was not on my credit report and had no clue what it was, the girl was very rude and stated it will be on my credit report soon enough either pay it or it will reflect on uour report, and you wont have another opportunity to pay, sure enough its on my credit report and they will no longer take my calls
Product: Credit reporting

XXXX and XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX ) are submitting derogatory in formation concerning an account from XX/XX/XXXX where we made calls using a toll free calling card and XXXX routed the calls so that it was a toll call. I filed the a letter protesting the charges on XXXX. I provided a copy of the to the CFPB. XXXX nor XXXX did not contact me per my letter. They have reported the derogatory information to Trans Union and I was refused credit because of the report.