23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

The issues have been ongoing since making the decision to do the spousal consolidation years ago. The loan was first serviced by XXXX and then Nelnet ( present servicer ). After the spousal consolidation, we divorced. For years, over 12 years, I have attempted to obtain specific details on the loan. Years of calls to both providers and being told that I have no rights to obtain information on the loan ( MPN, payment history, loan details in terms of what was mine and what were his at the time of consolidation ). I am told that he is the " primary borrower '' and I am a " co ''. I have asked repeatedly how I am held accountable for the loan and how it ends up on my credit report when he does not pay his half payment monthly per our divorce settlement agreement, which has no weight in any of this disaster. My ex-husband has been permitted to defer the loan multiple times without my signature or even notification to me by the providers. He has missed multiple payments which have resulted in additional interest, putting me further in debt to this loan by increasing the outstanding balance, etc. I have had ZERO rights yet I am held responsible by these providers. I have paid my half of the monthly payments continuously which Nelnet last verified for me on the phone on XX/XX/22. I asked for the documentation stated above to be mailed or emailed to me. I have been told that I can not have it because I am not the primary borrower. I have no access to the online account and have been denied this ability. I was told on XX/XX/22 that my ex-husband reported to the provider he is in the process of consolidating. How can he do any activities without my authorization? I want Nelnet to finally release all records to me involving payment history, the XXXX, and documentation of the loans prior to the consolidation in order to know what I brought into the join consolidation. I have worked for the XXXX XXXX XXXX for over 18 years and have no ability to apply for forgiveness. I receive a statement monthly, which was not for the duration of time they were involved, and can only see that he is not paying. I have every right to the information since I can be held liable and have continued to make my half payment the entire time. I have kept all of my notes for years in the event I can file some type of lawsuit. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ok, I am tired of Experian keep on reporting that I have accounts in negative status ( 14 ) which is completely ridiculous. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and 12 inquiries that I never allowed or made myself. Now, I need for experian to send me full proof that I was late or these accounts belongs to me. They have 30 days to respond or I will sue them for reporting the wrong information and to show where I gave permission for my information to be displayed and for inquiries, show me the proof.
Product: Checking or savings account

An unauthorized party gained access to my online login credentials for chase online. They then started quickpaying themselves money from my checking account. Chase flagged one of the transactions as fraudulent but allowed the others to go through. I called as this was happening and put a hold on my account but not before another transaction went through. I had to go in to a beach to deal with the issue and opened a fraud claim which the bank began to process. However, the bank determined that the transactions were non fraudulent, even though one of the transactions was flagged as such, and are now refusing to refund my money. Unlike other banks, chase has no limits on new quickpay recipients. Anyone who compromises your account is able to transfer unlimited funds from your account with no recourse
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my consumer report : Dispute 1 : XXXX / Account number : XXXX ( Credit cards & Credit Lines ) Account opened : XX/XX/XXXX / Credit Limit : {$450.00} Last payment date : XXXX XXXX, XXXX Dispute 2 : XXXX XXXX XXXX / Account number : XXXX ( Credit cards & Credit Lines ) Account Opened : XX/XX/XXXX / Credit Limit : {$800.00} Account Closed : {$800.00} past due as of XX/XX/XXXX Last Payment Date : XX/XX/XXXX Dispute 3 : XXXX XXXX XXXX / Account number : XXXX ( Collections ) Original Creditor : XXXX XXXX XXXX / Account Type : Collection Account Opened : XX/XX/XXXX Balance : {$330.00} Past due Amount : {$330.00} Paid Off : 0 % Dispute 4 : XXXX XXXX XXXX / Account number : XXXX Original Creditor : XXXX XXXX XXXX / Account Type : Collection Account Opened : XX/XX/XXXX Balance : {$290.00} Paid Off : 0 % Dispute 5 : XXXX XXXX XXXX / Account number : XXXX Original Creditor : XXXX  XXXX XXXX / Account : Debt Buyer Account Opened : XX/XX/XXXX Balance : {$910.00} past due as of XX/XX/XXXX Paid Off : 0 % Explanation of items being disputed : My credit report includes a name that is different from mine. Each report lists the name/alias : XXXX XXXX . However, my name is XXXX XXXX ; as listed on my birth certificate, and social security number. I have never opened a credit card or line of credit, and I am only XXXX years of age. I am a victim of identity theft and don't recognize the accounts on my report ( listed above ). The only loans that I have ever authorized are student loans and they are linked to my real name : XXXX XXXX. All other things on my credit report, previously or presently are fraudulent. Please investigate these claims and have them removed from my credit report. I have made disputes in the past and had them removed as they were also fraudulent. Some of the past reports stated credit cards in my name before I was the age of XXXX. I have suspicion that my social security number has been breached and I am a victim of identity theft and fraud. 
Thank you for your assistance.
Product: Vehicle loan or lease

I bought a fairly used XXXX Honda XXXX XXXX in XX/XX/XXXX with XXXX miles on it. I got 2 recalls by Honda the first one was within my 2 year ownership, nothing was refunded by Honda financial per the NYS lemon law .The Monthly car note is {$640.00} which consist of principal and interest and all fees for a duration of 72 months my first car note started XX/XX/XXXX my loan maturity / end would have been XX/XX/XXXX. During XXXX they gave us 2 months note free break, Which extended my loan to 74 months instead of 72 which run the maturity date to XX/XX/XXXX. As of today XX/XX/XXXX I have 3 months remaining of {$640.00} each month {$640.00} X XXXX = {$1900.00} PLUS {$450.00} late fees total = {$2300.00} owing to Honda Financial. As of today per Honda Financial report is saying my pay off balance is {$3400.00} That's an additional Balance {$1000.00} i called a customer service rep namely XXXX is saying its daily interest which is a lie as all my interest and payment is all included in my car note, how is that even possible i need your help as i feel am being ripped off. Attached are the documents for the same
Product: Credit reporting or other personal consumer reports

I had credit fraud an my information has been compromised to eqifax an XXXX I am asking for all the inquiries be removed I dont own no car loans let alone if you see they keep going to same dealer or keep applying online or however they do application director so many inquiries it had been taking for ever to get off my credit I can appreciate a letter saying or asking all XXXX credit bureaus to remove all inquiries from my report cuz XXXX had ask to finally contact yous an let you know I never been to dealers i have credit card I never received or had my only credit is XXXX  XXXX  XXXXXXXX XXXX XXXX XXXX as far at XXXX XXXX anything else is not mine I like for inquiries to be remove Thankyou Im to old already Im am working with all XXXX bears to get this nightmare resolved as try make sense best as seeing Im XXXX if the word dont make sense my plans are this resolve an then freeze my credits I can be reach at my email XXXX XXXX
Product: Credit card

Hi, Thank you in advance for your help. We paid on our credit card balance of {$240.00} a " cash reward '' of {$200.00}. This {$200.00} reward was earned and was correctly credited for that month. However, American Express charged us a {$20.00} fee because we did not make the " minimum payment '' of {$35.00}. We talked to an agent on the phone, and they said they could not remove the fee. ( While this is not a lot of money, I am thinking of other folks who are charged fees in this incorrect or at least misleading manner. )
Product: Credit reporting

TransUnion File # XXXX Request to remove inquiries XXXX XXXX & XXXX to match the information on my XXXX credit-report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 ; Installment loan opened on XX/XX/XXXX at XXXX XXXX XXXX XXXX ( Account number XXXX ), Installment loan opened XX/XX/XXXX at XXXX XXXX ( Account number XXXX ), Installment loan opened XX/XX/XXXX at XXXX XXXX ( Account number XXXX ) Line of credit opened XX/XX/XXXX at XXXX XXXXXXXX XXXX ( Account number XXXX ) Mortgage loan opened XX/XX/XXXX at XXXX XXXX XXXX XXXX ( Account number XXXX ) Revolving account opened on XX/XX/XXXX at XXXXXXXX XXXX  ( Account number XXXX ), Revolving account opened on XX/XX/XXXX at XXXX ( Account number XXXX ) Revolving account opened XX/XX/XXXX at XXXX ( Account number XXXX XXXX XXXX account opened XX/XX/XXXX at XXXX XXXX XXXX ( Account number XXXX ) Please remove all inquiries as I have not applied for any credit within the last 2 years. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 ( XXXX ) 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 reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have notified Trans Union several times & they still report this fraudulent information. I have provided copies of my ID, social security card, police report as well as an identity theft report. The following accounts listed for Dept of EdXXXX in the amount of {$4100.00}, {$3500.00}, {$2100.00}, {$1800.00}, {$910.00}, & {$870.00}. DO NOT BELONG TO ME. THESE are not my accounts. 
XXXX XXXX XXXX in the amount of {$1500.00} & {$530.00} DO NOT BELONG TO ME. I have explained I have no knowledge of these accounts disputed with all proof but Trans union keeps reporting these fraud accounts. Please Remove & BLOCK these accounts as they are fraud.
Product: Credit reporting

When I tried to make an account at the XXXX XXXX XXXX XXXX, they said I could not complete the process because my Equifax credit report information was not consistent with the information I provided for them. My birthdate on the credit score is incorrect : It says my birthdate is XXXX/XXXX/1981, when I 'm really only XXXX. I do n't understand what exactly is going on, and I 've yet to get the answers I 'm looking for. I just want them to correct the birthdate so that I can apply for an account with the XXXX XXXX XXXX XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I have multiple messages from Affirm informing me im late on loan payments. I have had only two loans with affirm in XXXX of 2024 and both are completed. My account is clearly compromised and these new loans are not done by me.
Product: Credit reporting

Contacted Expirean to remove disputes off of accounts on credit report, they told me to contact the creditors. Did that then they told me to contact expirean. Then expirean told me only the creditors can remove the disputes. I have been trying to get this done for the last month so I can get a mortgage, but I keep getting an excuse they ca n't do it. I just want it removed ASAP.
Product: Debt collection

A gentleman from sequium assets continues to call me and harass me about a debt that I believe is not mine. I've asked for proof of debt and he said they mailed it but I never received it. I've asked multiple times for them to quit calling me.
Product: Debt collection

I settled the debt of {$730.00} with the previous collector. It seems they sold my information to another collector, and this has reappeared on my credit score. This practice of selling paid debts to another collection agency is unethical and illegal.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B necessitates the removal of any erroneous accounts from my credit report. Could you review the documents? Several accounts listed contain inaccuracies in their reporting, including incorrect amounts and dates.
Product: Student loan

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

I have sent letters out via first class mail with tracking on XXXX and XXXX. According to the FCRA, the Companies are to update the status of my accounts as ( in dispute/ dispute in progress ). I have not heard anything from none of the bureaus ( XXXX, EXPERIAN, XXXX ). These Companies have failed to acknowledge my letters in which I have pointed out violations and innacuracies that MUST be deleted due to my federal rights under the FCRA. I have also verified my identity, proof of address and attatched a current utility bill to ALL letters. If these violated accounts are not removed according to the violation code included in each dispute letter, the bureau MUST provide physical evidence as to who, what, when, where and why they are Verified as CORRECT.

according to 15 US code 1681b- permissible purposes of consumer reports, states that ONLY IN WHICH I GIVE WRITTEN PERMISSION/INSTRUCTION TO REPORT AN ACCOUNT ON MY CREDIT PROFILE, AND ONLY IF I PERMIT, THAT THESE ACCOUNTS WOULD FOLLOW FEDERAL GUIDLINES UNDER THE FCRA. These Companies have failed to comply to my request and if they do not respond in reasonable timing to my request, this WILL turn into a federal complaint, lawsuit.
Product: Mortgage

We attempted to pay the {$90000.00} in past due payments to Wells Fargo in XX/XX/XXXX. Wells Fargo did not accept all past due payments due to an {$1800.00} legal fee. We have also filed another complaint with HUD/NOVAD and to verify if they filed a claim in XXXX for assitance. They did not in XXXX even though they said they did which pushed into 24 late payments because they said they were following FHA guidelines. We also do not have the legal written notice of auction that is required by law in Texas 30 days prior. They would have sent it certified mail.
Product: Debt collection

I had a safe deposit box at Bank of America and tried to cancel it XXXX years ago ( when I moved out of the area ), but they would n't let me and continued to pile up fees. I declared bankruptcy more than a year ago and the bank was notified as part of that process, but they ignored it and sent collection letter afterward. I wrote bank to refer and remind them of bankruptcy. Finally, bank sent me letter stating that they acknowledge bankruptcy, but they only would void fees prior to their letter ( XXXX XXXX, 2015 ) and they will not close box account and will continue charging me fees from XXXX XXXX, 2015 forward. Should n't the bankruptcy void all fees and close that safe deposit box account? 

It 's Bank of America and their box account # XXXX. My bankruptcy is a Chapter XXXX and case # XXXX ( NJW ). 

Please help!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 a letter of validation was sent to both XXXX XXXX XXXX and TransUnion to and unfamiliar account on my credit file I have not received any information back from either institution and they are severely over the FCRA 30 day response law. The account has been removed from XXXX  and XXXX  due to not being able to validate this account
Product: Bank account or service

I applied for a the Citi Gold checking account using the code XXXX. This offer rewarded the user XXXX XXXX XXXX miles after spending {$1000.00} dollars and making XXXX bill pays. I confirmed via chat message that I was enrolled, that I had met the terms ( XXXX/XXXX/2016 ), and that I would be receiving the miles no later than XXXX/XXXX/2016. I have still not received the miles. I have called Citi 3 times in the last couple weeks and each time they tell me they have opened up an inquiry and I will be contacted in a couple days. I am yet to be contacted.
Product: Student loan

I applied for 2 lian forgiveness programs and was denied each time. I applied for XXXX loan forgiveness, which I had met all of the criteria. I was denied because they said my loans were not eligible because I consolidated them, putting them in a different timeline which was out of the eligibility guidelines now, and they were the ones who told me to consolidate. I also applied for Public servant loan forgiveness, after working in a school and job that met criteria for the l8an forgiveness, I also made 120 consecutive payments to meet criteria for forgiveness. 
I was told my loans were eligible but after submitting the application was denied again, stating my loans were not eligible now. There solution was to put mt loans under a different loan name and start the process over again. 
These two incidents should be on file with navient.
Product: Mortgage

I purchased a home on XXXX XX/XX/XXXX as a VA loan and paid an VA funding fee. On XXXX XX/XX/XXXX I was issued a VA XXXX rating of 40 %, which is retroactive to XXXX XX/XX/XXXX. 

Those receiving VA compensation for a XXXX are not required to pay a funding fee. In this case where the rating is retroactive to before the closing date, the VA funding fee is refundable. 

The VA has advised that they require the mortgage company, Freedom Mortgage, to initiate the refund request. Freedom Mortgage refuses to do so. 


Freedom Mortgage XXXX XXXX XXXX, XXXX XXXX, FL XXXX United States | Lender NMLS ID : XXXX XXXX
Product: Credit card or prepaid card

Dear Sir / Madam I applied new credit card - XXXX EveryDay Card at XX/XX/XXXX with XXXX opening bonus Membership Rewards points and approved it. 

I confirmed that I can receive the bonus point from online representative at XX/XX/XXXX, but I still did not receive the bonus point. 

When I check it, American Express declined my bonus point because I opened more than 3 credit cards within 6 months. However, I only opened 2 XXXX  credit card within 6 months. 

XX/XX/XXXX Opened XXXX XXXX Credit Card XX/XX/XXXX Opened XXXX XXXX XXXX Credit Card XX/XX/XXXX Opened XXXX Everyday Credit Card In addition, I never heard or saw any terms which I can not receive promotional opening bonus point IF i opened many credit card within 6 months. 

This is unfair. I totally do not understand their decision. Please contact them and solve this problem. 

Thank you Sincerely
Product: Credit card or prepaid card

XXXX sold to Barclays and the transfer process seems illegal. I have been unable to login to my account or use my credit card in a month and I still havent received my new card in the mail ( its been over a month since our cards were closed when the company transferred ) .They closed our cards w XXXX and we never received new ones ( I verified address ). Without new cards we can not create a new online account with Barclays to see our history or make payments. Luckily I had made an early payment on XX/XX/XXXX right before the transfer so I wasnt concerned XXXX the next payment was due XX/XX/XXXX. I knew I was covered. I called Barclays on XX/XX/XXXX to see where our cards were and they assured me they were on their way and to give it 7 more business days. I called back on XX/XX/XXXX since we still did not have cards and spent an hour on the phone. We were charged a late fee bc they said that payment on the XXXX didnt count bc it was made through XXXX  not them, even though it was made on time. They kept assuring me the account wasnt passed due and the late fee would be removed. Well I received my statement today and not only was the late fee not removed- but my account says passed due and interest was charged. I dont know where to go from here. Thank you for any help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received correspondence from Transunion to which suggests that I am working with a credit repair company. I have submitted a complaint in reference to derogatory accounts to which I have been a victim of identity theft in the past. I have tried to resolve this issue with original creditor with little to no response. 

Transunion continues to report these derogatory items on my credit report. Transunion have failed to investigate my complaint. It has been more than 30 days. 

Please reference : File # XXXX
Product: Mortgage

On or around XX/XX/2023 I called my mortgage company Mr. Cooper and it was found that Mr. Cooper double paid my property taxes from escrow to XXXX XXXX. Mr. Cooper in subsequent emails and letters acknowledged the over payment and refund to my escrow on XX/XX/2023 in the amount of {$7700.00}. XXXX XXXX also acknowledged the refund due to me. 

On XX/XX/2023 in Research Reference # XXXX, Mr. Cooper told me to give them XXXX business days for the refund amount to be received. The XXXX business day from that date was yesterday XXXX, XXXX, XXXX  and I still do not have my refund! On XX/XX/2023 I sent a Qualified Written Request to Mr. Cooper asking for a letter of release to obtain the refund myself from the county. That was denied, however they assured me in the letter that on XX/XX/XXXX they already contacted the county about the refund and to continue to give them XXXX business days from that XX/XX/XXXX date. On XX/XX/XXXX I was sent a letter, and in the boxed " respa response to notice of error '' Mr. Cooper said on XX/XX/2023 they requested the refund. 

Well, now they deceive me again sending a letter on XXXX XXXX XXXX saying the tax department is asking for me to wait XXXX weeks from XX/XX/XXXX when they requested the refund, when you told me you requested the refund back in XXXX. I'm tired of Mr. Cooper lies and changing their timeline and dates of when they applied for the refund and when I can expect it. Violation of RESPA
Product: Money transfer, virtual currency, or money service

TD Bank is blocking me from enabling external applications on XXXX exchange