23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Both the XXXX XXXX XXXX XXXX and my student loan servicer, Nelnet, recognized my current, legal name for one year, but Nelnet now has decided to revert to my former legal name. The XXXX XXXX XXXX XXXX still recognizes my current, legal name. Nelnet refuses to explain why they called me my current, legal name for one year. Nelnet now says they will require me to produce legal documentation of a name change, which I had already provided in the past to update my account the first time. For Nelnet to require me to provide documentation of a name change a second time would be an undue burden to me. I legally changed my name in XX/XX/XXXX. In XX/XX/XXXX I updated my name with the XXXX XXXX XXXX XXXX. I can't find in my records the exact date Nelnet updated their records, but the oldest email I can find from Nelnet with the updated name is from XX/XX/XXXX. Nelnet 's records continued to show the correct, updated name for one year. On XX/XX/XXXX, I logged in to my Nelnet account online, and I noticed there had been an unauthorized change to the name on my account, which now shows my former legal name. On XX/XX/XXXX, I submitted online to Nelnet a letter requesting a written response to the unauthorized change to the name on my account. On XX/XX/XXXX, I called Nelnet by phone and spoke to XXXX, who said that I would not be receiving a written reply to my XX/XX/XXXX letter to Nelnet, that Nelnet would not undo the unauthorized change of the name on my account to my former legal name, and then XXXX sent me an email for documentation needed to confirm your name change. On XX/XX/XXXX, I submitted a case with the XXXX XXXX XXXX XXXX   Federal Student Aid feedback system. On XX/XX/XXXX, XXXX  from Nelnet responded to my Federal Student Aid case requesting additional documentation of a name change. On XX/XX/XXXX, XXXX from the Federal Student Aid 's Business Operations Escalated Issues team also requested additional documentation of a name change. Finally, on XX/XX/XXXX, XXXX with the Federal Student Aid Ombudsman Group emailed " the initial change was done electronically. However, in order for ED-Nelnet to complete a permanent system change ; you will need to provide them with a copy of your driver 's license, social security card and/or birth certificate. ''
Product: Credit reporting or other personal consumer reports

Today XX/XX/24 I Contacted The Credit Reporting Agencies & Tried To work with all 3 Credit Reporting Agencies To Remove Fraudulent & Incorrect Information On My Credit Profile.They Have Yet To Remove The Negative Items That Aren't Mine Due To Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a stamped endorsement XX/XX/XXXX to Wells Fargo and they have not accepted as of yet. I have been sending them endorsements and they keep denying them since XX/XX/XXXX. I have asked them to transfer the positive value to the principal/trustee and have not done so. I am the agent for this principal and need my securities transferred.
Product: Debt collection

This was a {$400.00} loan and I attempted to pay a settlement amount and this company to the amount of a {$400.00} loan up to {$20000.00}. I just want to settle at a reasonable amount.
Product: Debt collection

Disputed with company on XX/XX/XXXX. The company received my written disputes on XX/XX/XXXX according to certified mail receipts. It is now XX/XX/XXXX and I have to receive requested verifiable proof. Under the FCRA 15 U.S.C. 1681i, it is my right to have all unverified accounts promptly deleted. The company has yet to provide me with a copy of the verifiable proof even though I have requested this proof multiple times from them. 

According to the Fair Credit Reporting Act, 15 U.S.C. 1681g,  Upon request the company is required to disclose to me all of the documents that are recorded and retained in my file at the time of this request concerning the accounts that are reporting in my credit report.
Product: Credit reporting

XXXX XXXX XXXX was disputed on TransUnion 's credit report. I received a new credit report XXXX " in collection ''. This bill is from XXXX XXXX XXXX & has been satisfied as of XXXX/XXXX/16. This payment has also never been listed on my credit report. I will be sending XXXX documents in the mail RE : " paid in full '' from XXXX XXXX XXXX & a copy of my money order.
Product: Debt collection

I have resolved this debt with the original lender. I have notified AP account services of this XXXX times over the phone and have asked them XXXX times over the phone not to call me. They call me XXXX to XXXX times a day and sometimes call after XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate late payment entry on my credit report, as allowed under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). I believe this information is not correct, and I am requesting that you investigate this matter promptly. 
The item in question is a late payment reported by XXXX XXXX for the account number XXXX. The late payments are reported as being dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and I firmly believe this is inaccurate for the following reasons : 1. I have always made my payments on time, apparently they have administrative errors 2. Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal. 
I also wish to highlight that under 15 U.S. Code 1681s-2, furnishers of information are obligated to provide accurate information to credit reporting agencies. Given the circumstances outlined, I respectfully request that you take the necessary steps to remove this late payment from my credit report as it does not reflect the true nature of my payment history.
Product: Mortgage

[ Case number : XXXX ] In addition, I am still upside down on the mortgage, which would make it very difficult to refinance. They should have done a ( Partial Claim ) on my modification, instead of just putting what I was behind on in the back of the mortgage.
Product: Credit card or prepaid card

I, XXXX XXXX HAVE BEEN FRAUDED SEVERAL TIMES FROM 2 COMPANIES. ON XX/XX/XXXX XXXX XXXX XXXX   TOOK {$2900.00} FROM MY MASTERCARD XXXX AND ON XXXX ANOTHER {$1900.00} FROM MY VISA CARD XXXX. THIS COMPANY TOOK ADVANTAGE OF A SENIOR CITIZEN AND DID ABSOLUTELY NOTHING AND REFUSED TO REFUND ME MY MONEY..A COMPANY CALLED XXXX  XXXX XXXX TO {$1400.00} ON XX/XX/XXXX FROM MY CHASE MASTERCARD XXXX THEY DID THE SAME THING.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report.
Product: Credit card or prepaid card

Opened a home Depot credit card to purchase items for home repairs. In talking to a rep, I asked if the promotion was available to me and they confirmed it would apply. It was supposed to be {$100.00} applied to first purchase. It was never disclosed that there was a minimum purchase. I made my purchase and got my bill. There was no credit applied. When I called, the reps said they would only give me {$25.00}. All I want is for the promotion that was told to me.
Product: Credit reporting or other personal consumer reports

This letter serves as an aggressive
notice to demand compliance
under the Fair Credit Reporting Act
(FCRA) 605(b). You have failed to
investigate and remove inaccurate
information regarding accounts
that I never opened, despite prior
disputes and XXXX
Product: Debt collection

I signed up for XXXX XXXX service in XXXX. In XXXX, I moved out of my apartment and returned the equipment to XXXX. In XXXX, I see that there is a collection that has been reported to my credit file from EOS CCA. I disputed the collection. EOS CCA claims that this debt, {$240.00}, is from XXXX and is legitimate. I have terminated the service and returned the equipment and do not owe XXXX or EOS CCA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION AND XXXX is Reporting unknown Enquiries on my Credit Report. when I call they are Refusing to Delete it.
Product: Checking or savings account

XXXX Went into BMO branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX and opened BMO Harris Premier account after seeing welcome bonus on the banks website. Mentioned promotion as reason for wanting to open this particular account. 

Per terms on website the welcome bonus of {$500.00} was subject to meeting {$7500.00} in qualifying direct deposits in 90 days of account opening. Qualifying deposits include those from an employer. 

Direct Deposits from employer made : XX/XX/XXXX {$1200.00} XXXX {$1600.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1600.00} On XX/XX/XXXX I called Bmo customer service, as no welcome bonus had posted to the account. Customer service advised that they could not find a promotion code on my account to check status of welcome bonus. Representative asked if my paperwork from the account opening had a promotion code attached. I advised it did not, only terms of the accounts. Transferred to XXXX XXXX on the Resolution team who advised she would have to reach out to the local branch to see if they had the promotion code. Told local branch should call within a few days, but may take longer as of XXXX XXXX XXXX. XXXX also advised if the local banker did not apply the promotion code, that they would be able to honor promotion from when I opened account. Given direct number to reach for any questions XXXX Received no follow up and reached back our to XXXX XXXX on XX/XX/XXXX. Left voicemail asking for status of request and call back. 

Received no response. 

Called back XXXX XXXX on XX/XX/XXXX and left additional voicemail asking for call back. 

XX/XX/XXXX called customer service and spoke with Manager XXXX who advised she could help reach out to branch to figure out the issue with promotion. Disconnected from line while on hold. 

XX/XX/XXXX spoke with another service representative who called branch directly. XXXX at local branch advised they had no record of me asking for promotion when I opened the account. They can not honor promotion without proof I asked for it. I questioned how would I provide proof when they are the ones documenting the process with access to my file? I advised that I had dated screen shots of the promotion on their website from the day I opened account. XXXX advised without written proof in my file he could not provide the welcome promotion. Only option is to possibly work with carrier resolution team. Transferred back to XXXX XXXX. Left voicemail asking for call back. 

No call back received.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX weeks ago, I was turned down for credit at local XXXX XXXX XXXX XXXX. The bank that manages XXXX ' credit accounts is XXXX Bank. 

I was told they would contact me within XXXX to XXXX days. But they have not told me why my application was rejected and it has now been almost XXXX weeks.
Product: Credit reporting or other personal consumer reports

I am writing to report that I am a victim of a data breach, and I have identified unauthorized credit inquiries on my credit report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

ON XX/XX/2020, I SENT 2 LETTERS TO MIDLAND FUNDING LLC CONCERNING SOME ALLEGED DEBTS OF : {$820.00} AND {$470.00} THAT I DO NOT OWE.THEY HAVEN'T RESPONDED TO MY COMPLAINT AS OF YET AND I HAVE ATTACHED COPIES OF THE LETTERS SENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with TD Bank USA / Target Stores. TD Bank / Target is reporting this as a Charge Off in XXXX. I have letters and statements from them stating that it had a XXXX balance as late as XXXX!!! How can it be late or have a XXXX Off if it has a XXXX  balance? 

Target and TD Bank have refused to correct this error. I have disputed it numerous times. But Target and TD Bank have refused to correct the error.

I am attaching a letter with a copy of the statement showing a XXXX balance sent by Target / TD Bank date XXXX. This should serve as proof of the mistake by them.
Product: Debt collection

I made arrangements with Resurgent CAP SRV once I received the debt validation notice. I set up payment plans and made the payments starting in XX/XX/2019. I am on my last payment, and they just posted the account to my credit file as a collection account in XX/XX/2019. 

My understanding is that since we made a payment arrangement for the debt before the thirty day validation period, there would not be action taken to my credit file. 

I feel that their tactic of allowing a payment arrangement and only posting the collection to my credit file once I am one payment away from completing the agreement.
Product: Debt collection

My son, has been on SS benefits since he was 8 years old, he has XXXX  XXXX  and XXXX  XXXX  so I am writing this out for him. He got a credit card back in XX/XX/2008 and I was paying on it. He had a run in of problems and couldn't pay any longer. Through the years we got phone calls, letters to pay XXXX XXXX. Years ago an attorney firm of Hayt, Hayt and Landau contacted us, made everything look legal, but still my son said can not pay. Just a week ago, I received this deposition notice that they want him to appear at the Bar Association where we live with all kinds of paperwork, proof of income, property, etc. All he has is one vehicle and we share one junked vehicle. Now today I get a FINAL NOTICE from the USPS that there is a large package that has to be picked up. We are home everyday, no post officer knocked on the door for a  signature, he just put the slip in the mail box. I wrote them on their website ( Contact Us ) and told them, he is on SS, this is a very old debt, not on his credit report ( which I just checked yesterday ) and to stop harassing us. We do not have anything else, as myself, and my other son are also on Social Security. I am my son 's rep payee and he says he will not pay an old debt. They can not garnish federal benefits if this is a time barred debt. If this makes it to the Magistrate, then so be it, we will make payments. But they have been harassing us for years, I had to get a phone system that blocks callers. I read on the net that this company has gone to many lengths to collect a debt. If this is something we definately need to take care of, I need to know. I will talk to my son but it will have to be a very low payment every month and they can bring it down 30 %. I am afraid to talk with them on the phone and my son won't.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax credit bureau over the past 4 months. I have reached out to the company in writing several times wanting information on the 8 COLLECTION accounts that they have reporting on my report with no company information at all. ( I have attached pictures of all 8 accounts with account number in the attached files below. ) I As well asked for the method of verification for a BANKRUPTCY listed on my report. And if they were unable to product the required information that all 8 of those COLLECTIONS being reported and the BANKRUPTCY thats reporting needed to be removed IMMEDIATELY. I have asked the company several times in many letters their method of verification on these 8 collection accounts and bankruptcy and they have not responded at all to any of my request over the past 4 months. It is my right as a consumer for a credit reporting agency to tell me how they verified this information. I have advised them that if i would not receive a response within 15 days that I will be filling a complaint that was in XXXX. still there is no reply. They are supposed to handle my reports and report accurately verified information and they have failed to do so. I have been unable to move forward with buying a home because the information that is being reported is defaming my character. Please have this company delete these accounts IMMEDIATELY. The law requires a cra to investigate a report and have a full 30 days to do so. I have given them four months. I have listed the 8 collection accounts and will be attaching photos of the inaccurate inform on my credit report.Equifax has these accounts reporting with no company information. I dont know who these companies are and these should NOT be reporting on my account. 
Account numbers XXXX {$400.00} XXXX {$53.00} XXXX {$64.00} XXXX {$170.00} XXXX {$180.00} XXXX {$120.00} XXXX {$120.00} XXXX {$400.00}
Product: Debt collection

On or around XX/XX/XXXX, while I was at my home in XXXX, XXXX  ( my husband and I have dual residency between XXXX XXXX XXXX ), someone opened an account using my name, social security #, date of birth and XXXX address of XXXX XXXX XXXX, XXXX XXXX XXXX The phone number used to open this account, however, is not my phone number. Their number is XXXX and my current phone number is XXXX. 

As a side note, I hold my driver 's license in the State of XXXX address XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I have no information on what form of identification this person used. 

In noting the name used to open this account ... my name is spelled incorrectly. My legal name is XXXX XXXX and the account is recorded as XXXX XXXX. 

The purchase was expensed at XXXX XXXX in XXXX, XXXX  for an amount of {$8000.00}. The credit was processed through the XXXX XXXX XXXX  and serviced by Koalafi whose address is po box XXXX, XXXX XXXXXXXX XXXX  XXXX. 

I contacted Koalafi at XXXX today, Monday XX/XX/XXXX. This identity theft just come to light yesterday because I spent the past 3 months at our home in XXXXXXXX XXXX Upon going through 3 month 's of mail, I found statements and correspondence from Koalafi concerning this account 's deliquency status. Account number is recorded as XXXX. 

Koalafi indicated they attempted calls to this phone number since XX/XX/XXXX, and has been unable to speak to anyone. All calls go to voicemail. 

I have filed a dispute with XXXX via XXXX. I have also filed a report with my local police department here in XXXX XXXX, XXXX 

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

My complaint is about XXXX XXXX and Transunion Credit Bureau. I noticed one unknown, unrecognized inquiry on my credit file. I have contacted both companies to remove this inquiry dated, XX/XX/2020. Because I did not apply for credit with XXXX XXXX on that date. 
Please launch an investigation into the XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. XXXX XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Years ago, I had a XXXX account. For one reason or another, I closed the account. In XXXX, I received correspondence from a collection company - XXXX XXXX XXXX - in regards to an outstanding balance of {$1500.00} ( ref # XXXX ). I told the representative that I acknowledged the debt, but that I believe that what I owed was half of that. We settled on {$800.00}, split into two payments of {$400.00}. 
I made the first payment on XX/XX/XXXX and the second payment was made on XX/XX/XXXX ( I have receipts of both transactions ). 
The derogatory remark was removed from my credit report after the last payment was made. 
In XXXX, it showed back up under a different company - Convergent Outsourcing. I reached out to them on XX/XX/XXXX in writing, asking for an explanation. I also disputed it via XXXX XXXX ( to no avail ). 
A year later, I am still dealing with this outstanding debt that has been paid over 3 years ago. I contacted Convergent ( account number XXXX ) today, via phone, and spoke with a lady who was so rushed that I couldn't even catch her name. I explained the issue. She told me that I could sent the receipts to her via scanned email. When I asked what the follow up protocol is, she told me that it could be 30-90 days before I hear anything in regards to the issue. I think this is absolutely ridiculous and I told the lady so. She, then, told me that they have to reach out to XXXX and wait to hear back from them. I am confused, as the account is no longer with XXXX. It did not even come to Convergent from XXXX. It came from XXXX. I told her that I was thoroughly disappointed in both XXXX and Convergent. Albeit, the account is delinquent due to my original negligence, but I resolve this situation ( or so I thought ) 3 years ago, and now I am being told that it could be another 90 days before I know whether it's been resolved, or not. And, if it isn't resolved, what are the next steps?!
Product: Credit reporting, credit repair services, or other personal consumer reports

A negative entry from XXXX XXXX XXXX XXXX  XXXX. I have been working with XXXX XXXX to get inaccurate entries investigated and removed from my report. After an investigation was conducted by XXXX XXXX the Foreclosure submitted by Third Federal Savings and Loan was removed, however XXXX and Experian still has the entries on my credit report. I sent a request through CFPB on other inconsistencies and questionable entries on my report that still have not addressed. I would like them to explain in detail how the XXXX XXXX XXXX XXXX can remain on my Account when it was removed by XXXX after they conducted an investigation. Why should there be XXXX different finding from each XXXX XXXX XXXX. This ends up causing problems for the consumers and ends up causing more inaccuracies. Why are there XXXX credit reporting agencies anyway? Trying to clean up the inconsistencies between XXXX agencies are costing me a great deal of money and is making matters for me worse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from XXXX for an application i did not initiate for credit. This prompted me to check my credit upon doing so I discovered an inquiry from XXXX for a XXXX credit card. I called on XX/XX/XXXX and spoke to XXXX she refused to help. Today XX/XX/XXXX I received a letter from XXXX see attached, again i call and tell them this fraud they refuse to help me. They want me to confirm my social and date of birth when these are clearly the missing pieces and if i provide this will complete the fraud. They refuse to help even though i am giving them app number off if their letter and am telling them its fraud. I did not initiate this app please cancel and withdraw inquiry from credit bureaus. What does someone have to do to get a bank to listen that an application is fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for Bankruptcy and was granted Chapter XXXX relief 2020. My entire rental history was added and discharged including XXXX XXXX XXXX. I sent proof of discharge to XXXX XXXX XXXX and they refuse to remove the derogatory items from my rental history which is causing me to be denied on my new rental applications. I have paid multiple application fees to keep getting denied to find out that its because this company is still reporting negative items.