23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XX/XX/23 - called to inquire about correcting name and setting up special pay instructions. Requested payment is applied proportionally to all loans rather than only to the loan with the highest rate. 

Payment is scheduled for XX/XX/23 but was pulled from my account XX/XX/23. All website information says payments are applied as directed within 48 hours. Called XX/XX/XXXX to inquire about updated name and payment application. Nelnet representative indicated they were behind and that it would take about a week to get information updated. She also indicated that every payment going forward would need to be manually adjusted to reflect special pay instructions as it the system was not capable of automatically applying and following the special instructions. 

After tracking payment status over the next several weeks as of XX/XX/23 the payment still has not been applied as directed. I waited on hold for 2 hours and 25 minutes to discuss this with a Nelnet representative. She told me that it will take 5-6 business weeks from date of payment to get this applied correctly. She also said that the XX/XX/XXXX was initiated prior to the pay instructions, though that is contraindicated based on my time line above. Payments can initiated 3 days before payment date, so the payment could have been initiated approximately on the XXXX ; I made the change by XX/XX/23 ( if not XX/XX/23. ) She also contradicted was the representative told me on XX/XX/XXXX, that going forward the system will apply the payment correctly. 

After having to call multiple times in a few months with no results, and never needing to call my previous servicer, I am not confident in Nelnet 's ability to appropriately and accurately service my loan. They are clearly overwhelmed and not prepared for servicing loans.
Product: Credit reporting or other personal consumer reports

I had no problem accessing my credit report on XXXX which has nothing because I have no credit cards, no debts, no loans, nothing and I haven't in the past 10 years. When I went to Experian they made me upload my driver 's license as verification then claimed I had a different email, one that starts with a XXXX. They would not let me dispute my email or do anything else. They completely shut me out. When I went to XXXX I had a similar problem. They claim I have an auto loan and two credit cards opened within the last 4 years. I have not. And they also have the wrong email address, one that begins with a b. They would not let me dispute anything either. They also completely shut me out. 


I have been trying to access my credit report at XXXX. It's supposed to be free but I can't make it past the " verification questions '' which have credit cards and vehicle loans and a name which does not belong to me. My last name is not XXXX. This is NOT on my social security card nor is it the name I was born with. They have the wrong state, wrong address, and wrong phone number. I was divorced in 2011 and they have put all of my ex-husband 's debts on my report which are not in my name or my responsibility. This is the only information I can glean from the " verification questions '' as I still can not see my report. XXXX had no problem giving me my credit report and was somewhat accurate. At least there were no debts which is accurate. They did have some addresses that were not mine which they are correcting. XXXX, however, keeps claiming they need another 60 days to work on it then does nothing. There should be a process by which people can prove who they are with a notarized copy of birth certificate or driver 's license or something. XXXX gets money from reporting debts that don't belong to me by raising my rates on everything.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Subject : Request to Block Fraudulent Information Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear Credit Bureau I am submitting this CFPB complaint to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you block information appearing on my consumer credit report that is the result of identity theft and fraud. I expect this action to be completed within XXXX business days of your receipt of this complaint. 

The following accounts are fraudulent, inaccurate, and were not opened by me : XXXX XXXX Opened : XX/XX/XXXX Balance : {$200.00} XXXX Opened : XX/XX/XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$510.00} These accounts have resulted in numerous fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I do not recognize these accounts or collections as they were not opened, made, or initiated by me. All mentioned accounts and inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX ( private case number ) as proof that these accounts and collections are fraudulent. 

Please confirm receipt of this request and inform me of the actions taken regarding my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

XXXX XX/XX/XXXX I hold a Government Travel Card. I filed a voucher and had a credit of over $ XXXX to transfer to my account. Citi has a policy of not allowing a balance transfer for 10 days on their website. When I used a chatbot/customer service, every attempt at obfuscation, delay, etc, was thrown at me to prevent transferring the balance sooner. When I asked for an exception to policy, the chatbot or person used weasely phraseology, " Unfortunately, I am unable to make an exception. I apologize, '' which while true as she's or it is not empowered to do so, I had to elevate and ask who would. After that, I was sent paperwork to fill out. I was informed that it would take 2-3 business days to complete. I asked if there were any legal or technical reasons for the delay or if it was company policy, I was told it was policy and that an exception to that could not be made. I replied that they've transferred to my bank before, that there is nothing to verify that would take 2-3 business days. 

While possibly not illegal, I feel it is highly unethical. I detest being compelled by the government to use a card I didn't ask for and for which the government receives a kickback.
Product: Credit reporting or other personal consumer reports

Hello my Name is XXXX XXXX XXXX & 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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.

Do to these inaccuracies I am behind on several projects due to not being able to refinance my home or get approved for any type of loans pls help.
Product: Debt collection

my prior complaint with CFPB is XXXX and the Huntington Bank case # is XXXX. I thought they had fixed the errors but it isn't. They have now take the one line of credit that was paid off and reopened it adding around {$3300.00} in debt and now have subtracted that amount from the other line of credit that should have all the debt. 

On another note I just had my credit run and now the XXXX who is guarantor on these lines of credit shows they have charged of {$23000.00} in this debt, yet I have never missed a payment to Huntington Bank and I am continuing to make payments to Huntington on a monthly auto pay system. I have frequently called the Huntington reps and am getting blown off again. 

XXXX XXXX
Product: Debt collection

I was robbed for my drivers license, credit cards, debit cards, cell phone. Police report # XXXX
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. 
+ XXXX I want the CFPB to publish description on consumerf gov
Product: Debt collection

I have a bankruptcy that was discharged in XXXX. I purchased a house after the bankruptcy. When I tried to refinance my home I found out that XXXX XXXX with XXXXXXXX XXXX  XXXX put a lien ( XXXX ) on my home for a debt for a Midland credit card dated XX/XX/XXXX. This debt was included in my bankruptcy. 

In the letter, I gave them this information and request for them to remove the lien. 

I sent the same notice 4 times on the following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit score and credit report updated for the month of XX/XX/2020 with a 14 point drop. The credit reports I received explicitly mentioned that there was nothing justifying the drop. I submitted all my financial data to a financial analyst who confirmed my suspicion that it was a mistake. 
Whether the mistake was malicious or not we dont know. In one of the reports, something about my medical information, which surprisingly couldnt be disclosed to me but could be disclosed to credit agencies, was mentioned. If so, I demand the credit agency contact the source of this information since I am in a legal contention with them and they not I owe me money. 
This third party has retaliated in many forms, none legal, and I have been able to dodge their attacks. I demand the credit agency to fix my credit score. I worked very hard to reach the excellent credit score I had and I do not intend to accept more corporate retaliation. 
This issue involves all three credit agencies : XXXX  XXXX  Equifax
Product: Checking or savings account

I had deposited a check for the amount of {$25000.00} in my checking account with the XXXX XXXX XXXX on XX/XX/2018. My check was cleared by XXXX XXXX  overnight, XXXX XXXX XXXX has illegally withheld my money from withdrawing, and told me that it will be available on XXXX XXXX, when I tried to access my funds on XX/XX/2018 I was told it's pending posting to my account and will be available next day, I am appalled at the dishonest business practices of XXXX XXXX XXXX Management, as an honest banker they should have made my funds available to me as of XX/XX/2018, this dishonest action of the XXXX XXXX XXXX amounts to stealing my deposited funds and using them for their own benefits and making false promises as to when my money will be available for my use. As of the date of this compliant I have no access to my funds, I intend to file a civil action against XXXX XXXX XXXX for their dishonest actions. I have contacted the XXXXXXXX XXXX on XX/XX/2018 at XXXX California time, and the agent I spoke with instead of addressing the issue of my funds availability, had put me on 20 minute hold and then hung up on me.

I hereby request you to sanction and fine XXXX XXXX XXXX as permitted by the Federal law.
Product: Credit card

On XX/XX/2023 I contact Citibank customer service at XXXX to request a dispute of a charge for a vehicle repair that was never performed. I explained in full detail that the vehicle was brought into the repair facility because it was running rough and was then towed back to my home and dropped off as " fixed ''. It actually no longer runs. I stated to the representative that there was no evidence any repair had been done, no replaced parts were present, no invoice or any repair documents of any sort were left in the vehicle. I also stated I contacted the repair shop and they blamed the tow truck driver and did not reverse the charge.. Additionally the charge the merchant made to my credit card was more than agreed. 

On XX/XX/2023 I received a letter from Citi indicating they need more information about the repair, receipt documentation of what was done etc. I contacted them again at the above number and re-stated everything I had done before. I was then told to put everything I had told them on these XXXX occasions in writing and send to them. I have attached that letter that I delivered to them via email " XXXX ''. 

On XX/XX/2023 I contacted Citi for a status and was told that my dispute was denied. I challenged this repeatedly with the agent because how can a merchant make a charge on a credit card and provide no evidence any service was or product was delivered and actually return the product in worse condition that when given to the merchant? The agent said all he could do is to request it be re-opened and I would be contacted within XXXX business days. I was never contacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX notified me that XXXX XXXX XXXX added "Remarks" impacting my credit score on my credit report. Remarks were added around XX/XX/2019. I contacted XXXX XXXX XXXX and they confirmed that there were no issues with my account, and there should not be "Remarks" that hurt my credit score. My account with XXXX XXXX XXXX is in Perfect Standing. They told me to dispute these remarks. I submitted a dispute over XXXX XXXX for the remarks on my XXXX report. Shortly after they had corrected the issue as follows "Between XX/XX/XXXX and XX/XX/XXXX the following remark was added to this account: Dispute resolved; reported by grantor - meets FCRA requirements"They did not take any points off my credit score. On Equifax report the remarks were marked as follows: Between XX/XX/XXXX and XX/XX/XXXX the following remark was added to this account: Account previously in dispute - Now resolved by data furnisher. Impacting my score. I submitted a dispute with Equifax and spoke to representatives about this issue, and was told that it would be corrected. However, after disputing I received an update that the dispute was closed and they would NOT change remarks.  On XX/XX/XXXX I noticed my Equifax score dropped 5 points due to these same remarks. They kept remarks as follows: "Consumer disputes after resolution"XXXX XXXX XXXX confirmed there were no issues and that this was a mistake. XXXX immediately resolved the issue as it "Meets FCRA Requirements". Despite this Equifax continues to keep this on my account, lowering my credit score, and rejecting disputes. I need help dealing with Equifax to get this off as this is a complete error. Attached are copies of my latest XX/XX/XXXX and Equifax reports, so you can see the difference for yourself. Highlighted the remarks section.
Product: Credit reporting or other personal consumer reports

I have a Chase account listed on my credit reports ( 3 ) that I have never opened. The account lists me as an authorized user. I have never opened an account with CHASE nor have added myself to an account as an authorized user. I called Chase on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and spoke to several people who gave me incorrect information. I was finally told on XXXX XXXX they would remove it from my credit report. Almost 60 days later it continues to show on my credit report.
Product: Credit card or prepaid card

Bank : Chase Product : Chase sapphire credit card, chase travel. 

Summary : I tried to book a flight through the card 's rewards system. Due to a mistake the agent made, the ticket was not issued causing me to miss a critical personal event. However, they still charged me {$250.00} for booking the flight. They ruined my trip, and charged me {$250.00} for the privilege of doing it. After 6+ hours of calls, they have still not been able to put me in touch with someone who can settle the issue for me. 

1. I booked a flight using credit card points, from XXXX-XXXX ( itinerary # XXXX ). This was to attend a dear friend 's wedding. 
2. I realized I had booked the wrong dates, so I canceled the flight. The agent refunded the flight as a travel voucher, and sent an email giving directions on how to rebook the flight in future to claim the credits. I called Chase travel as per directions in the email to rebook the flight. I called on XX/XX/XXXX - the agent on the call said they rebooked my travel - departing XX/XX/XXXX night, and returning XX/XX/XXXX. They charged {$250.00} on my Chase credit card for rebooking fees. 
4. However, I did not receive any email with updated travel details - nor did I see any charge of {$250.00} on my card - as of XX/XX/XXXX morning. I called Chase travel on XX/XX/XXXX morning to inquire, and they told me they couldn't see any booking for XX/XX/XXXX. They apologized that they messed up my trip. 
5. On XXXX, I noticed a {$250.00} charge on my card. I don't know what they charged me this money for, because on XX/XX/XXXX they told me they couldn't find any booking on my name. 

So they ruined my trip, and charged me {$250.00} for it. And they are now giving me the run around and refusing to put me in contact with a supervisor.
Product: Mortgage

On XXXX XXXX, 2015 I received a notice from my mortgage company, notifying me that my mortgage loan would be transferred to Nationstar Mortgage LLC effective XXXX XXXX, 2015. 
I called my home owners insurance right away to ensure they were aware of this transfer and I provided all the complete contact information, I was told they were already aware and had all the contact information. Nationstar failed to timely submit my insurance payment which caused my policy to be cancelled. ( the payment was due XXXX XXXX, 2015 ) I 've been without insurance coverage for over three months now and Nationstar refuses to take responsibility and resolve the issue. Nationstar is now threathning to purchase a more expensive insurance policy and claims that I should be responsible for the new fees including a new deposit and other penalties for having a lapse of coverage which was to no fault of my own. I have never paid late. 
I have placed several phone calls and left countless messages for Nationstar asking to speak with someone from their management team but they never return my calls and have been avoiding me. Nationstar recently sent me a letter stating that the prior loan administrator should have paid the policy. XXXX XXXX XXXX which is the previous loan administrator sent a complete list of every disbursement to Nationstar prior to the transfer of the loan and therefore Nationstar was aware that an insurance premium was not disbursed this year by the previous loan administrator which is the excuse that they are using. I am a single parent and can not afford to pay a new deposit on a new policy and most definetely can not afford the penalties imposed due to the lapse in coverage. Please help me. I never had any problems with my insurance payments or any issue until Nationstar came in the picture. They have absolutly no interest in assisting me or any customer. I 've found countless reports of these complaints on line for the very same thing with Nationstar. 

On XXXX XXXX, 2015 I received an urgent e-mail from my insurance agent advising me that due to some type of system glitch within Nationstar ( my lender servicing co. ), my insurance payment was never disbursed. I 've also since received notice from my agent that Nationstar failed to submit payment even after three notices were sent directly to Nationstar. According to my insurance agent, my policy has been cancelled due to non-payment from Nationstar and a new policy would need to be purchased. The purchase of a new policy would include additional fees and penalties. 

On XXXX XXXX, 2015 I responded to my insurance agent 's notice by engaging both my insurance agent and my loan servicing company Nationstar in a conference call. Nationstar acknowledged that indeed payment for my homeowner 's insurance was never disbursed. As a consumer, I am extremely dissatisfied with Nationstar 's service and feel betrayed and shortchanged. Currently, I have no insurance coverage on my property and I am at a loss for what I should do next. I need your assistance please
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 

Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

Below are the accounts that I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Chrysler Capital approved me for a {$48000.00} auto loan. After luring me in with the high approval amount, Chrysler Capital collected my information and sold/shared it with third parties such as Santander without my written consent. 

They later decreased my loan amount by almost {$20000.00}. They now had my information, and I had less than XXXX grand to spend on a vehicle. 

Things got dramatically worse after the underwriter later determined that I would now be required to pay them a {$1000.00} cash down payment in order to be approved for the auto loan. On XX/XX/XXXX at approximately XXXX an alleged underwriter at Santander/Chrysler Capital told me in plain words that the {$1000.00} cash down payment is not required for all customers, but I do - This is discrimination and a violation of federal law.

- 15 U.S. Code 1662 - Advertising of downpayments & installments No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.

( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.

( Pub. L. 90-321, title I, 5142, May 29, 1968, 82 Stat. 158. ) - 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX