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

I had a car accident in XXXX XXXX, XXXX. Had a total loss on the vehicle. Car insurance carrier paid {$30000.00} to Santander Consumer, the lender. We 've done our part by communicating between the lender, Gap Insurance and the XXXX dealer. We 've faxed all the documents needed. We have n't heard anything from Santander until the 2nd week of XXXX. I was alarmed to find out that our Gap Insurance has n't paid the remaining balance owed to the vehicle. I asked the Representative, a male, as to why we are just informed now after three months. He basically told me that they ca n't get hold of our Gap Insurance company after so many attempts, and that 's why they 're now contacting me. I called Gap Insurance Company and asked them of the progress. I was told that the documents they received three months ago were not eligible to read, so they could not proceed with the claim and they do not communicate with the lender or the customer. We made several phone calls between Santander and the dealership for the next two weeks. Then on XXXX XXXX, XXXX at XXXX, I received a phone call from the Santander call center. I spoke to XXXX and I was told that they received the Gap Insurance payment and all they 're waiting now is for the dealer to cancel the extended warranty service that we purchased on the vehicle. The next day, I had to go to the dealership to take care of it personally. While at the dealership, the finance manager looked up our account and discovered that our policy has been cancelled and only the lender can do that according to her. And a payment check of {$540.00} was sent to Santander on the XXXX XXXX while Gap Insurance sent the check on the XXXX. Santander failed to communicate with us in a timely manner. Because of their incompetence, we are being punished by reporting our account delinquent. If you talk to one Santander rep, it will tell us another. It seems like the other hand does n't know what the other hand is doing. We 've tried calling Santander several times asking them to remove the late report on the 3 credit reporting agency but until now, nothing has been done. So, I will not own the delinquent report on my credit reports because Santander in the first place, failed customer service. They have my email, contact number to call or home address but they never updated us of the status of the claim until three months had passed.
Product: Checking or savings account

I went into a Wells Fargo in XXXX, Colorado to cash my WF-issued payroll check. They proceeded to open XXXX accounts under my name, which have accrued charges and fees. I have requested the accounts to be closed with no success
Product: Student loan

I have a student loan that was serviced by Nelnet. 

At the beginning of the COVID pandemic, around the time that the pause in interest and principal payments for student loans was announced, I had contacted Nelnet to get set up for the pause. 

At that time, Nelnet informed me that I was not eligible for the pause. I asked what I would need to do to qualify, they ( Nelnet ) told me there was nothing that could be done to qualify for the pause. So, I continued to make auto-debit payments because at 8 % interest the loan balance would continue to increase significantly. 

In XX/XX/2022, I was informed that I could transfer my loan to the federal government and then qualify for 0 % interest and stop payments during the pause, which I did. 
After the loan transfer, the 0 % interest was applied to my loan and payments paused. 

I believe Nelnet misrepresented my eligibility for the pause originally and they certainly misrepresented the fact that there was nothing I could do to qualify, when all I simply had to do was transfer my loan. 

I am not certain there is much that can be done about that misrepresentation, but I do believe that the following description addresses the more recent misrepresentation and attempted fraud by Nelnet. 

I recently became aware that individuals who had made auto-debit payments during the pause were eligible for refund of principal and interest. I found this information on the website www.studentaid.gov. 
The website directed me to contact my loan servicer, Nelnet. When I made the request on XX/XX/2022, they said they would get back to me within four to six weeks. 
When they did contact me on Thursday XX/XX/2022, they informed me that I was not eligible for a refund of principal and/or interest because my loan was not in deferment during that time. 

Logically this made no sense because if I had been in deferment there would have been no payments made and no money to be eligible for a refund. 

I do have a recording of the last conversation that I have just described, if that is of any use. 
The amount that should be refunded to me is approximately {$21000.00}. 

I need assistance in getting my refund from Nelnet XXXX XXXX XXXX! 
And they should be required to pay interest to me on the money unfairly kept.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$7300.00} ; XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$21000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX XXXX 2024. I have deposited money thru the Bank of America ATM Machine. XXXX  XXXX is {$190.00} and the other one is {$840.00}. That money is supposed to be is for my rent that is due on the XXXX. Then when the XXXX of XXXX came, I have used my debit card to pay for my rent and it didnt pushed thru because it says I dont have enough funds on the account. I immediately checked my app and noticed there is a withdrawal of {$800.00} same day of the XXXX. I called BofA about it and filed a claim. The agent that Ive filed the claim to said that I will be given a provisional credit XXXX hours, so that will be Monday. Came Monday, I havent received my money back. I have already talked to BofA about this and begged, cried in every conversations I have with the agents but they didnt even issued me a temporary credit even if Ive explained that it is for my dues. They keep on saying that it will be escalated and that I will receive it and up until now, the XXXX, theres nothing happened.
Product: Vehicle loan or lease

I told the company, the owner of the dealership I purchase the vehicle, bought back the vehicle and I transferred the title and they took possession of the vehicle ; but finance company not reducing the sale of the vehicle from my principal, therefore it's in error and I'm not in Collections, but they keep reporting whole balance of loan late.
Product: Credit reporting or other personal consumer reports

Consumer Name ; XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX an account opened at XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, an account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan opened at XXXX on XX/XX/XXXX under the account number XXXX, a loan opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal loan opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

This late payment is distressing because my payment history is flawless. I ask that you quickly fix this mistake by removing it. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAY IS XX/XX/2020. THIS IS MY TENTH COMPLAINT TO CFPB. CFPB HAS NOT DONE ANYTHING AT ALL TO GET EQUIFAX GIVE ME A FREEZE AND PIN AT THE CORRECT ADDRESS AND CONFIRM ON PAPER. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I COMPLAIN TO CFPB THAT EQUIFAX VIOLATES FREEZE LAW. EQUIFAX DENIES ME SECURITY FREEZE. EQUIFAX LIES TO ATTORNEY GENERAL THAT I HAVE A FREEZE. EQUIFAX CONFIRMS I DO NOT HAVE A FREEZE. GET ME A FREEZE AND PIN NOW. 
RESPOND ON PAPER. 

NO CALLS, NO EMAIL, NO TEXT. 

EQUIFAX DISCRIMINATES AGAINST ANYONE WHO LACKS A CELL PHONE. 


GET BACK TO ME IN A SIGNED DATED LETTER I DISCARD ALL BOILER PLATE LETTERS UNREAD UNOPENED.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/19. I paid {$400.00} with MCM conf. # XXXX. The negative remarks of DEROGATORY/ CHARGE OFF/ closed have not been removed even after an investigation
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts listed below due to my status as a victim of a data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted 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: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal auto loan account opened at XXXX XXXX on XX/XX/year>, under the account number XXXX. There are several fraudulent hard inquiries appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the fraudulent contract that does not bare my signature maintained by you which shows the afore mentioned fraudulent item. I do not recognize the afore mentioned accounts, or hard inquiries as reported. The afore mentioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the afore mentioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all the afore mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

For the second time, I mailed my payment to Central Mortgage Company on XXXX XXXX, 2015 ( the check is dated XXXX XXXX because I wrote it the night before ). I just received a letter dated XXXX XXXX stating they had not received my payment. The check was cashed on XXXX XXXX. If Central Mortgage Company does not receive the payment by the XXXX of the month, they charge a late fee of {$40.00}. Usually I mail my payment the first week of the month to ensure at least 9-10 days for the payment to arrive to Central Mortgage Company. Oddly enough, they charge you a {$5.00} fee to make an online payment, so I always mail my payment rather than pay the fee. I have a hard time believing that the postal service was unable to deliver my payment within 9 days, and it appears that many other consumers online have had the same problem. I fear they are holding my payment for days and claiming it is late so they can charge me the late fee or bully me into paying the online fee. The first time this happened last year, I called and they would not budge, even though I mailed my payment 10 days before it was due. If this continues, I am considering refinancing so I can switch companies or sending all payments via certified mail to prove that they are receiving my payments with plenty of time to process. Sadly, it is cheaper to send a payment through certified mail than it is to pay online, albeit less convenient.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX # XXXX Account 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 an account without my written instructions.
Product: Student loan

I recently reached out to Sallie Mae during the pandemic. At the time, I lost my job and Sallie Mae sent an email stating that I owe over $ XXXX/month for my loan bill. Of course, I could not pay this amount nor even with a job pay that amount. I tried to talk with Sallie mae to see if we could work out a lower payment option. They stated that they can not do that and offered forbearance. I've tried multiple times to lower my payment and they continued to decline.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I file a FTC NUMER # XXXX XXXX XXXX. 
Other reason XXXX XXXX Other reason XXXX XXXX XXXX XXXX Other reason Submitted XXXX XXXX XXXX Other reason Submitted XXXX, XXXX XXXX XXXX Other reason Submitted XXXX XXXXXXXX XXXX Other reason Submitted XXXX XXXX XXXX Other reason Submitted XXXX XXXX XXXX Other reason Submitted XXXX XXXX XXXX, XXXX Other reason Submitted XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are incorrectly reporting that I am ( 90-120 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see page attached from my credit report, as well as a copy of my Drivers License and Utility Bill for identification purposes. ) These student loan accounts are in forbearance and should not be reporting. ( I have attached copies of the forbearance documentation for reference. ) These accounts need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these line items however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is not mine. No proof given that it was my account. XXXX and XXXX have deleted the account because it is not mine. The collection agency has not sent any of the requested documentation to me, proving this is my account. 
The collection agency is XXXX XXXX XXXX. I have contacted them directly, and they are refusing to remove the item. I also contacted Equifax by phone and mail disputing this account and I have not received any documentation.
Product: Credit card

Chase has left fraud in my account for a number of years, and charging interest on a balance that started over {$30000.00}. Chase has profited an estimated {$15000.00} on the fraud to date. " Crime has paid for Chase '' is a true statement in this case. 
Chase has treated this like a legal settlement, offering a fraction of the amount so we do not end up litigating it. We would have money to litigate it if we were not paying the interest every month and risk Chase damaging my credit due to stopping payments on the fraud they continue to report on my credit for nearly three years now. 
The merchant that committed the fraud admitted to the fraud, and Chase refused to provide fraud protection as it disclosed to me, and it discloses to all the public. The merchant went to jail, and signed a swore statement noting nor product or service occurred, only fraudulent charges via the merchant account for XXXX. 
CFPB has provided no help to me.
Product: Credit card

Identity thieves have obtained sufficient information about me to attempt to open credit card accounts. I have received notice of at least 3 attempts in the past 2 weeks of credit cards being sought in my name ( 1 time at XXXX XXXX XXXX and 2 times at Capital One ). I am concerned that Capital One Bank may not have adequate systems in place to prevent future fraud in my name. When I received the XXXX Capital One credit card I had not requested, I called and got it cancelled. When I got a XXXX letter informing me that another credit card was coming, I called back. I was getting contradictory information from the fraud line representatives - one person found the XXXX application for credit and another could n't. The last representative I spoke with said that they could not associate a fraud warning with my information. This does not appear an adequate solution. Will I keep receiving new credit cards that I have to cancel? I ca n't tell based on Capital One 's current response. I have also filed a police report and filed a fraud warning with the credit bureaus. I just fear that Capital One 's response is not adequate. It is also possible that the XXXX letter I received purportedly from Capital One is a sophisticated phishing attempt - but, based on Capital One 's response, I ca n't tell.
Product: Debt collection

My ex boyfriend used my id and driver 's license to open accounts after I left after he broke my hand off my wrist. Kikoff closed finally closed the account but refuses to remove it from my credit report claim they verified my identity with the social security number and driver 's license submitted. I asked how they could prove it was I was the one who submitted the information. No response. Probably because they can't prove it. They didn't verify anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Initiated several disputes to Experian.com over a month ago and noted I had already filed a Federal Identity Theft report FTC Report Number XXXX on XX/XX/XXXX that put several accounts into dispute from back in Fall of XXXX thru early XXXX. Some accounts were removed, but some that got a lame reply back that their records show " the company that reported the information has certified to Experian that the information is accurate. '' < That doesn't mean anything! Section 609 of the Fair Credit Reporting Act requires WRITTEN VERIFIABLE PROOF of original signed documentation is held by the Credit Reporting Agency - which is impossible as the accounts in dispute were either fraudulent or had fraudulent charges placed onto them from the Identity Theft! Then they lowered my credit score by over 50 points because I'm trying to challenge these!!!!!
Product: Student loan

After I was wage garnished by Coast Professional INC on XX/XX/XXXX, I received a letter from Federal Student Aid. Within this correspondence the statement, " Education loans included in bankruptcy petitions filed on or after XX/XX/XXXX, can not be discharged in bankruptcy unless the court finds that repayment would impose undue hardship ... .. ''. Then I realized that I didnt owe the loan. Being ignorant of the bankruptcy law at the time I filed for financial relief from the court I didn't have a great understanding, nevertheless, the petition was granted. I listed the US Department of Education as creditors. This creditor was the main reason I petition for relief. 

This case was filed on XX/XX/XXXX. It can to term on XX/XX/XXXX. The case is # XXXX XXXX. My Attorney was XXXX XXXX. 

Because I really didn't knew the law and total depended on my attorney because I was stressed in my state of mind. Because I didn't ask the important questions I thought I still owe the U S Department of Education and because they stated through communications that I did. 
I was know as XXXX XXXX at the time of the loan in XXXX. When I default I filed for bankruptcy in XXXX under this name. In early XXXX 's I got a judgement against me despite the bankruptcy. Tax refund off-set for decades were levied against me. The US Department of education didn't recognize my bankruptcy when it was within the law at the time pertaining to discharging student loans in bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and the inquiries I am disputing were never done by me neither anyone I have authorized, these inquiries were never authorized and therefore must be removed in accordance with the FCRA section 605b. I have read enough to understand my rights and according to the FCRA section 605b the Credit reporting Agencies are required to remove any accounts and information that resulted ue to identity theft. I am now submitting this compalin to you today to request for the Credit Bureaus to remove the followiing inquiries completely from my Credit File : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX