23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am a XXXX in XXXX. I have applied for XXXX Loan forgiveness from Nelnet. 2 months ago I received a letter stating I was being turned down because the name of my XXXX was written in the wrong way. I filled out the form again and included a letter from my former principal stating that I was highly qualified XXXX fulfilling all of the requirements for XXXX loan forgiveness. I just received a second letter saying that I need to fill out the forms again because a supervisor 's title is cut off, a date is not written clearly enough, and that a supervisor signature is by stamp. I have been told by XXXX at my school that this process takes at least four months because Nelnet comes up with different reasons for several months just in order to be able to continue charging us. Some teachers are being rebuffed if they fill out service of more than 5 years, because Nelnet only wants 5 years noted on the TLF application. This is ridiculous! I know they 're intending to give me the loan forgiveness, because they have already put my account into forbearance. I am a hard-working XXXX and according to the law I deserve this XXXX loan forgiveness. What Nelnet is doing is against the spirit of the law.
Product: Credit card or prepaid card

My account was claimed to be closed due to inactivity, but the company cancelled the order I made on XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

XX/XX/2022 I pay my car off with my negotiable instrument as he account holder for the amount XXXX my account hasn't been update as I mad final payment for the vehicle and car title per obligations of the financing agreement I can prepay the vehicle in full at any time I have sent previous payment for processing but no response from GM FINANCIAL
Product: Student loan

I co-signed a loan for my Daughter XXXX around XXXX and have paid it down from over XXXX to XXXX. Lately I have been getting calls, Texts and emails from Sallie Mae numerous times a day and many times per week which is 100 % in violation of the FDCPA and Massachusetts Collection law. 
They are relentless and should be held accountable to the law.
Product: Payday loan, title loan, personal loan, or advance loan

First I was in shock about this company sending me anything and I then I saw that this company put a lien on my home. I asked them who were they and I sent them a validation, verification, dispute, cease and desist letter that wasn't verified, and they filed on my credit report although we are in dispute.
Product: Student loan

The company is no longer open i had a loan through ACS back in 2017 and my loan has been picked up by a different company. ACS is still showing active on my credit report, I want it removed. There is no way I can get in contact with them. How can this be taking care of? If there is no way to get in contact with them..
Product: Credit reporting

I have a had a negative posting on my credit report by a collection company named XXXX. I never received any letters from this company or other form of communication about having an unpaid debt.On XXXX XXXX XXXX I have disputed the information with all XXXX Credit Bureaus and all XXXX deleted this account from my credit file including Equifax. A few days ago I 've got a credit alert that I have a negative account on my XXXX credit file.I looked at my credit report and it was showing that I 'm 90 days late on a collection account with XXXX but I never had any letter from XXXX and I had no arrangement to pay an account I did n't know about.XXXX deleted the account promptly form my credit file, 2 days later I 've got an alert again that a negative posting was on my Equifax credit file.I looked on my credit report and the same collection agency using the name XXXX XXXX that does n't even exist has posted the same negative account this time without saying that I 'm late they just used a different name to have the same account placed on Equifax credit XXXX have disputed that account with Equifax and after 2 weeks they said the account previously deleted by Equifax was OK to be posted on my account.The original dispute case was XXXX and it is is where Equifax removed this account form my credit file, the new case XXXX is the dispute where they posted again in XXXX XXXX the account previously deleted and now being " accurate '' .I am trying to get a mortgage and worked hard to have my credit score up and I can not afford for a Credit Reporting Agency to play with my credit. Equifax did not verify this account correctly and had it posted under a name of a company that does not exist just to have a negative mark on my credit.I can not access the case # XXXX dispute file because it is visible for only 30 days but I will attach the recent case # XXXX dispute file that is recent. 
Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting that all items on my credit reports be updated to reflect " paid as agreed. '' In addition, I am seeking compensation from each credit bureau in the form of a check XXXX. ) XXXX - {$11000.00}, XXXX. ) EXPERIAN- {$11000.00} and XXXX. ) XXXX - {$11.00}, XXXX for each of these inaacurate accounts pursuant to ( 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses 80 617 - 15 U.S.C. 1681o or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. )
Product: Mortgage

In XXXX of XXXX we filed for chapter XXXX to stop foreclosure and the sale of our home. We received a Notice of Recission stating that the foreclosure and sale of our property had been reversed. We applied for a modification of mortgage through Ocwen XXXX XXXX XXXX and it was approved.Nothing was sent to the the XXXX XXXX County Recorders office to notify them that the property reverted back to us. In short, we do not exist on this property and the Grant Deed remained in possession of the Mortgage holder. The Trust account is being held by XXXX XXXX of behalf of XXXX. I would like this resolved as soon as possible. 
I am being told by Ocwen that they can not help me and that I am to contact XXXX XXXX. I contacted XXXX XXXX and I was told that Ocwen needs to resolve the Grant Deed issue with the County Recorders Office. 
They keep bouncing me back and forth between departments. I have contacted Ocwen Loan Servicing numerous times and asked them to take care of this matter. This all stems from getting approval from XXXX XXXX ( XXXX XXXX XXXX ) for the funding of artificial turf, through our property taxes. The work was done after XXXX XXXX approved the funding in XXXX XXXX. I just now found out that there is an issue with us being the owners. I signed the official documents and sent them back to XXXX XXXX and the installation process was done and completed.
Product: Credit reporting

I disputed an inquiry for XXXX. I do not have any recollection of requesting any credit from XXXX for over two years so disputed it. The original inquiry was dated XXXX/XXXX/2015. On XXXX XXXX, 2015 I received a response to my inquiry. It noted " Inquiries are factual record of file access. If you believe this was unauthorized, please contact the creditor. Historical account information was deleted from this account. If you had additional questions about this item please contact : XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX, MO XXXX. I did contact XXXX at the above noted address, and my letter was returned as " Not Deliverable '' from the XXXX. It seems quite clear that this is fraudulent otherwise, why would I be directed to a company and address that does not exist. I would kindly request a full investigation of Equifax , it would seem that did not verify this account. I tried to re-dispute this online, but it notes " closed '' and will not let me to do, and when I call the phone number provided by Equifax , it wo n't give me the option to speak to anyone and the phone options are not relevant. I have attached a copy of the letter sent by Equifax directing me to contact XXXX, and the envelope returned by the XXXX XXXX showing no such address exists. I would like Equifax to remove the inquiry permanently from my record. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX, XXXX XXXX NC. At which time, I traded a XXXX XXXX XXXX XXXX XXXX which was financed with Ally Financial. When the dealership was process was processing the payoff, they used an incorrect payoff address for Ally Financial. 

For approximately 2 months, I received debt collection calls from Ally Financial. the first representative I spoke to with ALLY Financial informed me to have the dealership, XXXX XXXX, provide me with a statement on company letterhead regarding what happened ( see attached ). I promptly visited the dealership and was provided with the letter of explanation. I asked the same representative if I should pay the loan to give more time and keep the loan out of default and was told no. The reasoning was that any over payment would likely be sent back to the dealership, XXXX XXXX, and not refunded to me. Following Ally 's advice, I did not make the payment. Ally assured me there would be no negative action on my credit. 

Subsequently, I have filed numerous disputes to all of the credit bureaus without a positive outcome. Ally takes pride with letting customer know that " calls are recorded '' so I asked for transcripts of the calls on multiple occasions. All requests were either denied outright, customer service representative ( CSR ) stating they had no access or CSR submitted a request that have all been denied. 

The result has been paying higher interest on loans and or loan denials.
Product: Bank account or service

I had a checking account with Bank of America for almost 5 years. In XXXX Bank of America changed the terms and conditions of the account and began charging a new monthly fee of {$12.00}. They never sought my agreement or that I had acknowledged or understood the changes they would make to my account. At the time of the change I received e-communications from the Bank. After review of all of the communications that I received by email at the time of the change, I do not see that any notice of the change of terms and conditions was emailed, nor an explanation of the new additional fee. I have called Bank of America to contest that these changes were made without my approval, consent, or notification. In total they have charged me a total of {$240.00} XXXX XXXX XXXX. They only agreed to take off a single {$12.00} fee. I attach the regular email notifications I received during the time when the change to the account took place. They show that there was no mention of changing fees or terms and conditions. It appears as though there were mail notices sent to an incorrect mailing address, however since I had signed up for e-communications this seems like an inadequate excuse for not properly informing the customer and they never sought acknowledgement on my end or agreement to new terms and conditions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, 2022 : 30-day state of emergency, executive orders issued Maryland Gov XXXX XXXX XXXX said COVID-19 is overwhelming normal operations at hospitals, and he's issuing a state of emergency and two executive orders. 
I notified Discover Student Loans and alerted them of the state of emergency, unemployment and XXXX due to the emidemic. 
Discover Student Loans is not following Credit Protection During COVID-19 ( XXXX ) : The CARES Act requires credit reporting agency data providers, including credit unions, to report loan modifications resulting from the COVID-19 pandemic as current.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA is reporting to the credit agencies that my account is charged off. I disputed the accuracy of my account status with the Credit agencies. I also contacted Santander Consumer USA who had stated that due to my account being past due in XX/XX/2017, they will not update my account status even though Im current. How can a company report the account as charged off but still have current payments. I am not past due on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

These agencies ( XXXX ) XXXX acct # XXXX, ( XXXX XXXX XXXX XXXX XXXX acct # XXXX, ( XXXX XXXX XXXX acct # XXXX, ( XXXX ) XXXX XXXX XXXX XXXX acct # XXXX, ( XXXX ) XXXX XXXX acct # XXXX, ( XXXX ) XXXX XXXX XXXX XXXX acct # XXXX, are in violatation of 15 USC 1692g . These agencies were to notify me of this in writing 5 days prior, I was not. As the original creditor only I can validate this debt. I do not validate these debts. Therefore, these accounts listed above must be deleted from my credit report. The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;
Product: Credit reporting or other personal consumer reports

I became aware of the CFPB lawsuit against Experian and I realized I was negatively impacted hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified '' while at no time did they provide any documentation to substantiate or verity the debt.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccuracies reported by these organizations regarding my account. After reviewing my credit report from XXXX, Experian, and XXXX, I identified the following discrepancies that require immediate removal : 1. XXXX XXXX - Account XXXX : XXXX **Discrepancies : - **TransUnion : ** Incorrectly lists the account as charged off with a balance of {$0.00} but does not reflect the accurate closing date of XX/XX/XXXX. 
- **Experian : ** XXXX the last activity as XX/XX/XXXX, inconsistent with XXXX and XXXX XXXX. 
- **Equifax : ** Missing details entirely for this account. 



2. XXXX XXXX XXXX - Account XXXX : XXXX - XXXX : - XXXX XXXX XXXX Reports the balance owed as {$360.00} and lists the account as charged off on XX/XX/XXXX, which conflicts with my records. 
- **Experian : ** XXXX last activity as XX/XX/XXXX but omits updated account resolution details. 
- XXXX XXXX XXXX XXXX similar balance but incorrect last payment date of XX/XX/XXXX. 

3. XXXX XXXX XXXX - Account Number : XXXX - **Discrepancies : ** - **Experian : ** Reports a balance of {$220.00} as of XX/XX/XXXX, but no updated payment status or resolution is included. 
- XXXX XXXX XXXX XXXX XXXX Do not provide sufficient details for this account, such as resolution or payment status. 
- **General Issue : ** The original creditor ( XXXX XXXX ) does not align with the account 's accurate reporting timeline or final resolution. 

4. XXXX XXXX ( XXXX XXXX  ) - Account Number : XXXX Discrepancies : -** XXXX : Reports the balance owed as {$8800.00} but does not correctly reflect the charge-off resolution date of XX/XX/XXXX. 
- **Experian : States the last activity as XX/XX/XXXX, inconsistent with other reports. 
-XXXX   : Provides an incorrect closing date and fails to list the accounts final resolution.
Product: Payday loan, title loan, or personal loan

To whom this may concern On or about XX/XX/2019 I XXXX XXXX XXXX called American First Finance and request all auto debits be stopped as I had fraud on my XXXX XXXX XXXX XXXX ( XXXX ) account and needed to close the account. On or about XX/XX/2019 American first Finance attempted to debit a payment causing NSF charge as well as XXXX believed my account was still opened and active delaying the time it took to close the account. On XX/XX/2019 I called American first to request I letter stated that I had previously requested the auto debits to stop. At that time the customer service rep denied the request suggesting an account credit to which I denied. I then request a manager since I was only asking for a letter. The manager also denied the request. At that time, I requested the manger to set a time to retrieve the security interest as stated in Sec 8 and 11 ( 4 ) on my signed contract, to which the manager rejected the request. 
As such this absolve me of any liability
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX and until XXXX, I had been involved in a debt management plan with XXXX of XXXX for several credit cards. This program was completed successfully by me in XXXX. 

My consumer report displays delinquent account data for only one creditor ( XXXX ) for a time period where I was involved with this plan. I had made all payments on-time as a direct draw from my account, and to my knowledge had not missed a disbursement to the credit counseling service. Further supporting this, is that none of my other creditors reported a delinquency of any kind, only XXXX. 

I attempted to resolve this situation initially with the XXXX of XXXX. The representative stated that she was unable to gain any additional information about how this could have happened, and sat on hold with XXXX several times for an answer to no avail. Further complicating this issue regarding records, XXXX of XXXX was acquired by another company ( XXXX XXXX XXXX ) during this time. 

I personally contacted XXXX to resolve the issue, and the representative was not able to assist and suggested I open a dispute with the credit bureaus. I did this as advised, and nothing positive resulted, just that they believed the information was correct and that was the end of it. No one will coordinate on my behalf to resolve this situation, and no one is willing to provide their proprietary information so that I can move forward with other repair actions. 

I have no idea how this missed payment occurred, and only for one creditor, when I made all of my payments on-time. No one is able to provide me answers, yet I have 6 months of 30 day missed payments for XXXX, which has absolutely devastated my credit reports, and caused me severe financial harm. 

This is my last attempt at recourse before I begin legal action with both companies. If it was a mistake on the part of either of these organizations, I require that these delinquent payments removed from my credit reports as quickly as possible to restore my financial well-being. However, if I was truly at fault, I would like to see evidence of it and how it occurred, as my payments were managed by a third party the entire time.
Product: Credit reporting or other personal consumer reports

sent a cease and desist dispute letter on XX/XX/year> ACCORDING TO XXXX XXXX XXXX YOU HAVE VIOLATED MY RIGHTS BY XXXX COMMUNICATIONS PLEASE REMOVE THIS COLLECTION OFF OF MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

I have been disputed the validity of the XXXX XXXX account that is being reporting on my Equifax credit report for reporting inaccurate information on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and each time the results have been that the account is verified and updated. 

On XX/XX/XXXX, I requested that the XXXX XXXX account be deleted from my Equifax credit report because I received a letter from XXXX XXXX dated XX/XX/XXXX, which they stated that they are unable to confirm my personal information or locate my account number, and I included it along with a copy of my ID and SSN. 

On XX/XX/XXXX, I received an email from Equifax stating my request was denied because the account was verified and updated. 

How can this account be verified as accurate and updated when the company is saying that they can't confirm my personal information or locate my account information? 

I would like this account to be deleted ASAP.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Formal Dispute Regarding Inaccurate Reporting of Negative Information on XXXX XXXX XXXX XXXX Account Dear Sir/Madam, I am writing to formally dispute inaccurate information reported by Equifax on my credit report concerning my XXXX  XXXX XXXX account . I believe this inaccurate reporting is a result of violations of the Fair Credit Reporting Act ( FCRA ), as found by the Consumer Financial Protection Bureau ( CFPB ) in its investigation of Equifax. The CFPB discovered that Equifax failed to properly investigate consumer disputes, ignored relevant consumer evidence, and allowed previously deleted errors to be reinserted into consumer credit reports. 
Specifically, I am disputing the negative information associated with my XXXX XXXX XXXX account, as Equifax has : 1. Failed to thoroughly investigate my dispute : I submitted relevant documentation that was ignored or inadequately considered by Equifax. As noted by the CFPB, the process by which Equifax submits and investigates disputes limits the ability of consumers to fully articulate their concerns. This has led to my dispute being inadequately reviewed. 
2. Reported previously deleted inaccuracies : I have noticed that inaccuracies related to this account, which should have been removed, reappeared on my credit report. This is consistent with the CFPB 's findings that Equifax allowed previously deleted errors to be reintegrated. 
3. Provided confusing or contradictory results : I received conflicting statements from Equifax in response to my dispute, such as both " this has been verified as accurate '' and " this item has been deleted. '' The contradictory nature of these responses undermines my ability to trust the accuracy of the information on my credit report. 
4. Misreported my credit score : Due to coding errors, my credit score has been inaccurately calculated, which could negatively impact my creditworthiness. The CFPB 's investigation revealed that Equifaxs flawed software has caused several consumers, including myself, to receive inaccurate credit scores. 
5. Failed to block information resulting from identity theft : Although not directly related to this account, I also noticed that there may be instances of identity theft-related information on my report, which should have been blocked under FCRA guidelines . This is indicative of Equifax 's failure to maintain effective systems to identify and prevent the reporting of incorrect information.