23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My student loans were sold to Nelnet, who is currently servicing the loans referenced. I am being prevented from buying a home because loan service provider is not positioned to collect payment or complete business as usual processing for the loans. I lose my current housing on XXXX   and this delay will result in my being unhoused. I have XXXX children. 

I filed an income-based repayment request following my divorce in early XXXX, as the full payment isn't doable on my salary as a single wage earner with XXXX small children. 
Nelnet 's website states that the standard review time for loan paperwork is three business days, with status reports at 5 and 10 days post submission. My IBR was received on XX/XX/XXXX. All of these dates have passed with absolutely no communication, so I began calling my service provider to ascertain when I could expect to hear from them. I attempted their chat, sent multiple e-mails and read all of the help topics to try and resolve my question without additional assistance, as their website directs. None of these resources could provide me with details on my individual loan and how I could request escalation on the process. 
So, I began to make phone calls. In one day, ( XX/XX/XXXX ) I spent nearly three hours on hold simply trying to speak to someone and needed to hang up after three calls of greater than thirty minutes each because I simply couldn't stay on the line any longer. On XX/XX/XXXX, I resumed my efforts and after 2 hours and 45 minutes on hold, finally got to speak to a service agent. The agent was lovely and in no way the subject of this complaint. 
I was told that the review process is delayed and is taking an average of 31 days. I can't wait that long, so I asked to escalate to a supervisor. I was informed that would require an additional 90 minutes " or longer '' on hold. I had already spent nearly three hours on hold, and couldn't spend any more time, so I asked if I could give my information and receive a call-back. I was informed that this isn't done. I asked what my options were and the only one available was to wait for a manager for greater than an hour. There are apparently no other avenues for recourse or review, aside from just waiting on the phone for multiple hours. 
It is clear that Nelnet is not capable of servicing the loans they bought and it is unfair that I can't contact anyone without multiple hours on hold, escalate or understand when I might be able to resume my housing search. Simply allowing agents to call customers so you didn't need to be on hold all day, providing actual service levels for different actions ( Three days to get your application reviewed should be 31 days for application review, for example ), or requesting escalation would all be reasonable solutions that would require very little work by the servicer and improve the customer experience. 
These loans are a serious financial burden and I would like to pay them at a reasonable rate and need the company servicing them to do their work in a timely fashion so that I can get housing. The impact to me and my family has the potential to be catastrophic ; this can't wait.
Product: Money transfer, virtual currency, or money service

I am writing formally expressing my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite, using Zelle numerous times and reporting discrepancies my financial institution and failed to investigate my claims adequately. They informed me that recovering loss funds was impossible and that tracking these transactions was unfeasible. The CFPB findings indicate that has not only neglected to protect customers, but has also allow repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raise a serious concerns about consumer safety.
Product: Checking or savings account

On XX/XX/2024, I applied for a Truist Simple Business Checking account and used Promo code XXXX during the online application. On XX/XX/2024, I met all the terms of the promotion which means that I should have received the promotional reward on XX/XX/2024. As of today, XX/XX/2024, I still have not received the promotional reward. 

On XX/XX/2024, I used the Chat With Us feature on https : //bank.truist.com/web/support to chat with a Truist representative who assured me that I would receive the promotional reward and to allow more time for the promotional offer to be deposited into your account. 

On XX/XX/2024, I called Truist and spoke with a representative who informed me that he did not see that the promo code was applied to my account and that he would submit an escalation. I am certain that I submitted the promo code during account application and I have a screenshot indicating that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been brought to my attention that there is inaccurate information being reported on my credit report. This willful error has caused harm to my well being and livelihood. Pursuant 15 usc 1681 ( a ) ( 1 ) The banking system is dependent on my consumer report being fair, accurate and equitable. This is unfair to me because I was never notified when this inaccurate information was furnished and I was never notified when your company performed the initial investigation to inform me this information would be reported. Pursuant to 15 usc 1681 ( a ) ( 1 ) - 15 U.S. Code 1681a ( e ) 15 U.S. Code 1681a ( 2 ) ( iii ) The consumer reporting agencies failed to follow lawful investigative procedures. This grave mishap is preventing me from receiving credit worthiness which is ultimately harmful and abusive. No personal interviews were conductive by the persons which congress has outlined. The consumer was also not given the ability to address this information prior to being furnished which congress has also outlined.
Product: Credit card

I'm a longstanding Discover customer. In XXXX, I contacted Discover and advised them I lived in XXXX XXXX, had been directly affected by the fires/evacuaitons and asked them for info about disaster relief being offered, but was clearly told that they were not offering any disaster relief or it would have been automatically applied. Although I was struggling, I went ahead and borrowed money to make the payment. In XXXX, also a direct result of the fires/evacuations, I lost my job. I again contacted Discover, explained the situation and asked for disaster relief. This time, I was redirected to XXXX separate people, and finally transferred to supervisor " XXXX, '' who informed me that all I needed to do was pay the amount that had gone past due of {$270.00} and then they could immediately defer a few payments once the payment posted. I took very careful notes, repeated the terms of this agreement back to her several times ( on a recorded line ) and made the payment. She just said to call back as soon as the payment had posted and there would be no issue. She did not make any mention that I had to do so the following day before the next statement closed. Also, my last payment took XXXX days to clear, so I did not anticipate in clearing the next day. On XX/XX/XXXX, I called back and spoke with supervisor XXXX in the XXXX XXXX. XXXX told me that although the account was notated with my discusson from XX/XX/XXXX and that she could clearly see errors on their part being made, I had waited too long to call back ( XXXX days ) and now there was another past due amount I would have to pay before disaster relief could be applied. I have consistently acted in good faith to try and maintain my account in good standing. Rather than helping me at all during this difficult time, I have repeatedly been kept on hold, transferred around and given blatantly false information that is causing me significant damage. 

I have now had several conversations with XXXX in XXXX 's XXXX Offices ( XXXX ). Besides being told XXXX was not offering any disaster assistance for the fires in XXXX ( which was completely false ), being assured that I was eligible and would receive XXXX to XXXX months of disaster relief if I made XXXX payment to bring the account current ( which they renigged on ), XXXX telling me he would call me back in a few days and me having to call back repeatedly, he is now telling me that although I was never told I had to call back by a certain date to request the disaster relief again, that I have to not only make XXXX payment to bring the account current AGAIN, but have to make XXXX payments, even the current XXXX, and then will only be considered for the disaster relief eligibility, even though I've been repeatedly told in multiple RECORDED phone conversations that I was clearly eligible.
Product: Credit reporting or other personal consumer reports

I was advised by a XXXX and Equifax rep to fill out this report because of unauthorized inquiries in my report, please remove all these fraudulent unauthorized inquiries on my 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 Please remove all the fraudulent unauthorized inquiries on my credit report. Thank you for your help, this is hurting my credit and reporting false information to future creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello ive been a victim of identity theft and i recieved my credit report through equifax and i noticed that i have some inquires on my credit report and there are 15 of them i didnt apply for 14 accounts in my name the only inquiry that i apply for is XXXX XXXX on XX/XX/XXXX with a credit line of XXXX I didnt apply for XXXX inquiry date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX ) XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX i didnt apply for these and i contacted Equifax few times and they open up investigation and send me a letter and didnt do nothing and told me to contact the creditors directly and i did and none of them didnt remove my inquires
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been a 12 plus year ongoing saga with the credit reporting agencies XXXX, Experian, and XXXX XXXX. They have been complicit in reporting inaccurate, outdated, and incomplete information on my personal credit report. This inaction or outright complacency has aided fraud to be displayed and reinforced on my character. I have suffered great pain and harm by their hand, so I am seeking relief and the opportunity to finally live the American Dream. My latest attempt around XX/XX/2017 to fix these huge issues were basically ignored. I have attached the letters that were sent to the above organization with the hope that you can free me from this virtual fraudulent debtors prison. I want to buy a home, I want to start a business, I want to take trips, but I cant because of this oppression. Please help me!!
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Dispute my submissions, Experian consistently responds within 24 hours of stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a responsible investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with the federal law and provides consumers with the necessary proof of investigation. This is the account that I have marked inaccurate.

Top Line Dispute : XXXX Resolved XX/XX/XXXX Dispute : XXXX Resolved XX/XX/XXXX {$3300.00} Continues to report
Product: Vehicle loan or lease

This creditor has violated my privacy according to the Fair Credit Reporting Act 15 USC 1681 section XXXX a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 USC 1681 section XXXX section XXXX also statesa consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several times to show that I paid off Bridgecrest account. The credit bureaus are not validating it properly even after I provided documents to show that my account is paid off.
Product: Checking or savings account

Wells Fargo closed my checking account ending in XXXX without my permission or knowledge. This is a XXXX account I have had for over XXXX years. I have contacted Wells Fargo and they could not reopen the account stating that I needed to open a new account If I want.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 i sent experian a letter requesting them to verify inaccurate accounts that were listed on my credit report. I never received a response. I sent them a letter again on XX/XX/2020 and I still haven't received a response and again on XX/XX/2020. I have yet to receive a response. it's been 6 months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a hippa dispute on XX/XX/2021 and also on XX/XX/2021. I did not not received a response and the account was not removed. I have not gotten a response back at all.
Product: Credit card or prepaid card

I was sent a notice from XXXX XXXX XXXX a collection agency. They claimed that Capital One Bank ( XXXX ) XXXX XXXX had turned over my debt to them in the amount of XXXX. The credit card was opened XX/XX/XXXX and was delivered to a XXXX XXXX XXXX XXXX, Oregon and all purchases that were made were in XXXX. XXXX is about 2.5 hours away from where I live. The account was opened with my name and social security number but a different phone number and email address. The card was closed by Capital One in XX/XX/XXXX after 4 statements were sent and no payments were made on the account. The collection agency is doing an inquiry into the debt said they would notify me by mail in 7-10 business days. The credit bureau is not showing I owe any money to either of these companies but does show inquiries from both XXXX and Capital One and shows no current collections in my name.
Product: Checking or savings account

Both my personal and business debit cards were used on XXXX without my authorization and charged several hundreds of dollars. I did a claim with bank of America and got refunded. Now the are deducting my account again. I tried to contact XXXX and never got to talk to a person, only recordings. XXXX even restricted my account and can't login to see the issues. It's impossible to contact them for a solution.
Product: Debt collection

A Mr. XXXX from a debt collection company supposedly in XXXX, FL, called and left a message. I called the number ( XXXX  ) and tried to leave a message in either his mailbox or the general one, and was denied twice. The direct number, which I also called ( XXXX ), corresponds to a twice-differently-named agency than that from which he said he was calling on the phone : XXXX XXXX XXXX I then emailed two of the email addresses on the ( faux? ) companys contact age. Both came back immediately as dead-letter boxes with all the hops and whatnot. I can provide those emails if the authorities wish.

Given all those attempts, I think this is a scam and Ill have to try to block all the domains in the business bounceback e-mail trace.

Thank you.

Addendum : this was not an option in the last pages of the complaint dialog. I am not a veteran, but I am XXXX. Could they have identified me somehow, like the rash of these companies picking on the elderly a few years ago?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX visa/XXXX XXXX XXXX account disputed multiple times across each bureau came back verified, but each bureau is reporting information incorrectly as has done for almost 2 years, has allowed creditor to put incorrect information on my report in violation of FCRA, have disputed this multiple times
Product: Debt collection

They been sending me letters and calling from unknown numbers on my house phone and my cell phone and I do n't have the money to send them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of account ( s ) below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name, Account Number : XXXX XXXX, # XXXX Account Name, Account Number : 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 an account without 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 buy more than seven years.

15 USC 1681 S-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 credit agencies never gave me the information on these investigations and methods they used.
Product: Credit reporting or other personal consumer reports

For the last XXXX days I have been repeatedly disputing these illegal/fraudulent accounts that was obtained without my knowledge and consent via TransUnion, XXXX, and XXXX. I have always lived at XXXX XXXX XXXX # XXXX. Someone illegally obtained my information and opened fraudulent accounts and used apartment number # XXXX which I have NEVER lived in that apartment unit. 

With the help of a friend I was able to identify what accounts were illegal in my name. Currently I Have XXXX inquiry on XXXX, and I have XXXX inquiries on TransUnion and XXXX as I am able to lock/freeze my report now. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 


XXXX Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX The XXXX following accounts is totally illegal/fraudulent! It should have never been opened in my name. Please remove the XXXX following accounts from my credit report. It's hampering and messing with funding for my new business that I just launched as well as a future mortagage. These Accounts are illegal! I've been fighting this for the last 90 days please help. These accounts are not mine and I am going to continue repeatedly to dispute until these negative/fraudulent/illegal items are removed off my credit report ( transunion, XXXX, XXXX ) *********ILLEGAL/FRAUDULENT CREDIT CARDS*********** **Transunion, XXXX, XXXX XXXX XXXX Bank Balance {$150.00} XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$57.00} Date Opened XX/XX/XXXX XXXX  XXXX XXXX Balance {$13.00} Date Opened XXXX XXXX All three of these illegal accounts were opened within a XXXX day time period which I had NO KNOWLEDGE! ABSOLUTELY NOTHING! I have done my homework these accounts are illegal and holding me. Please remove these XXXX items off all XXXX bureaus as soon as possible. Thank you! Its not fair these are not my accounts!! Its already hard enough in XXXX as it is but for someone to illegally obtain stuff in your name without a consent is beyond ridiculous. I am not responsible for anything thats fraudulent *********ILLEGAL/FRAUDULENT CREDIT CARDS*********** **Transunion, XXXX, XXXX** Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 

XXXX Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX My company above which is in my name is behind held up for funding because of illegal items on my report. Please help! 

XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX
Product: Vehicle loan or lease

It has come to my attention that GM Financial has denied myself and my husband credit. I, the NATURAL PERSON, creditor, and Applicant, am aware of the letter that was suppose to be sent to us which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ) within 30 days after receipt of a completed application for credit, a creditor shall notify the applicant of its action on the application. We have never received any letters from GM Financial with an actual adverse action, we have only been told through the telephone and the dealership of their denial. Pursuant to 15 USC 1691 ( a ) ( 3 ) It shall be unlawful for any creditor to discriminate against any aspect of a credit transaction, because the applicant has in good faith exercised any right under this chapter. As the Original creditor, we initiated a consumer credit transaction, using my credit card ( SSN ) pursuant to 15 USC 1602 ( L ) the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit making GM Financial an assignee pursuant to 15 USC 1691 ( e ). However, we DID NOT receive any benefit from that transaction, but it had a negative impact on our consumer report, proving the transaction did in fact go through. Lastly, Congress states " No Credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. 

I have given several attempts to resolve this issue with GM Financial and they stated that the file had been sent back to the dealership for them to resubmit, however, nothing has been done.