23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been trying to get a Credit Report problem resolved for almost a year. Back in XXXX of 2023 when Nelnet took over from Great Lakes, my credit report dropped XXXX points. I spoke with Nelnet at that time, and they said they would look into it. They sent me a form letter that said they were reporting it correctly. I spoke with reps from both XXXX XXXX and XXXX, and they said that they were getting inundated with calls from XXXX loan borrowers with the same problem. Over the next few months i repeatedly tried to get them to correct the problem. At XXXX point in XXXX. I put in requests with the credit bureaus for this problem. I thought we had it fixed as about XXXX weeks later my XXXX XXXX jumped back up XXXX points to about where it was prior. I then looked at the credit bureau and realized that they had removed it from the credit bureau entirely. Then about a week later it went back down when they added it again. I wasn't in default on my loan, and I had been currently making payments even through XXXX. I started to escalate it again with Nelnet and got nowhere. 

At this time. I don't know what to do. I advised them I would sue but they said I would need to sue the holder of the loan the federal government. That didn't make any sense to me. They also said that they were a different company then Great Lakes, but their website says they are a division or associated with them. They seem to be lying to me on many different occasions. Please help me with this. I got a new lease on my car and was brought down to a tier XXXX which resulted in a higher payment because of this. 

I would like either it to be resolved with the Credit Bureau or to remove it from the Credit Bureau until it can be resolved. 

Thank you for your time.
Product: Vehicle loan or lease

American Credit Acceptance held my car loan from XX/XX/XXXX until XX/XX/XXXX. I was never late. Not once. It took over 3 weeks to get the company to send payoff information to me and my new lender, XXXX XXXX XXXX XXXX. The branch manager of XXXX requested it over 3 times. I contacted them over 4 times to request the payoff be sent, via fax to my bank. They assured me they tool 24-48 hours to do so. I was charged {$13.00} a day for everyday they didn't perform their duties. Then when they sent the payoff, it had accrued fees, etc. They also sent the payoff and loan payment history to my new lender at XXXX via fax that was unlegible. 

After finally getting on the phone with them again, my bank sent the payment in full on XX/XX/XXXX and they cashed it on XX/XX/XXXX. When I called them after XX/XX/XXXX they said they had not gotten it. I was at XXXX during this call. 
On XX/XX/XXXX, they still had the loan open and a 30 day late on my credit report which made it impossible for me to secure a line of credit from my current lender. I called them immediately and requested that they pull the late back. They said they would send to the credit dept. 

Now, it has been one month and the cycle for the credit reporting agencies to update snows the late. 

The conversation with ACA is ongoing, but to date they refuse to send me my payment history, or proof that they pulled the late payment from the agencies. This had drug my score down, and effected my business loan, line of credit and all other financial services
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX XXXX XXXX I am not an attorney nor am I a third party I am filing a complaint on behalf of myself because it is my legal right to do so. 
I was looking over my credit file and I just needed to update some things that are not current or accurate. The correct spelling of my name is XXXX XXXX XXXX please remove or delete any other spelling of my name it is name correct. I have several addresses on my credit report that are not mine please correct this at once, please. These are the incorrect addresses the should be removed : 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, please delete remove the unknown addresses.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 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, AE XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/2022
Product: Debt collection

MBA Law claims I owe {$1300.00} for medical services. Ive never seen this charge nor has it been submitted to my insurance company. The supposed debt is almost XXXX XXXX XXXX. It is not my debt. 

I received an alert on my credit report that needs removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX XXXX Employer : XXXX XXXX Date Updated : XX/XX/2020
Product: Credit reporting or other personal consumer reports

MY ACCOUNT XXXX XXXX Hope you good Im disputin the debt above under the Fair Debt Collection Practices Act I aint askin for more proof or docs just want you to know I dont agree with this debt The best way to reach me is by text on my cell or email on my cell or computer Monday to Friday between XXXX XXXX XXXX XXXX XXXX Anything else like live calls or voicemails aint workin for me Thanks for understanding One
Product: Bank account or service

I have been a Chase customer since they grandfathered me in from Bank one. When I first became a customer they started charging me XXXX insufficient funds fee only once I went overdrawn. Then as years passed by they all of a sudden started charging me a fee not only for being overdrawn but for every transaction made unlike before. Then when the banking industry went through the bailout issues and received government inspections and audits and were found to be negligent on these accounts and were made by the us government to refund all bogus fees as such that were applied to every customer and they also they began once again to charge only XXXX fee when an account goes negative and not for every trAnsaction. On my account. Now that the Obama administration is coming to a close, chase has once again resorted to their old money hustling antics to charge a {$34.00} dollar per transaction fee as well as the initial overdraft fee. My how easy we do forget. So I went into the bank and discussed the matter with a teller who asked when do you get paid and I replied " on the XXXX when my social security check goes through ''. He looked at me perturbed because I am not a senior citizen and said. " Social security, why? " I then stated Because I retired early '' but as I think on it, I feel ashamed because I have a XXXX but did not want to tell him but none the less it was not his business anyway. He proceeded to say " you will be charged only another XXXX dollars for and extended overdrawn account because the third is more than five days away so it 'll just come out of your check ''. And there is nothing I can do for you '' that 's it that 's all
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XX/XX/XXXXXXXX - XXXX - {$210.00}XX/XX/XXXX XXXX - XXXX - {$200.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letter in  XXXX  for goodwill adjustment for the following periods :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  this request was denied.   I followed up and sent in a second letter via fax on  XXXX   XXXX ,  XXXX  to request that the delinquent status be removed since due to being granted retroactive forbearance is now being inaccurately reported as being late when. I received a phone call from their  Consumer Advocate  center and they stated that they do not have to update what they consider correct information at that time period. Yet  XXXX  refuses to correct and update this information standing behind their policies.
Product: Vehicle loan or lease

In accordance with the Fair Credit Reporting Act, CARMAX AUTO FINANCE, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without written instructions. 15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer as late for any purpose. I am not XXXX  days late, and will not be XXXX  days late. They continue to repeatedly call me more that XXXX times per day.
Product: Vehicle loan or lease

I have moved from XXXX to XXXX. XXXX XXXX  XXXX requires me to have a copy of the lien holders title in order to receive my tag. I only have 30 days. They have faxed two requests to CarMax Auto Finance and have confirmation. CarMax Auto Finance denies receiving the faxes. The tag office attempted to call them but cant get help without having my social security information. They will not email a copy to me, so I in desperation asked them to mail it. I havent received it yet, but they say they mailed it. Mail can take a long time and sometimes gets lost, so I may not be able to receive it in time. The tag office finally just gave me their fax number, so that I could request that Carmax Auto Finance send it to them. I was told it was a 1-2 day turnaround. It has not yet been sent to XXXX XXXX Alabama. The tag office tells me that most lenders respond in a timely manner to these requests, and are not difficult, as CarMax Auto is being. The reps are nice when I call, because they are worried about the survey at the end. I suspect they tell me something to get me off the phone, but my need is not being handled. I will be fined if this is not received, and I could also be in trouble if I were to get pulled over.
Product: Payday loan, title loan, or personal loan

Just over one month ago ( around XX/XX/2023 ) I went to my local Citibank branch to inquire about obtaining a Debt Consolidation Loan. I had an existing DCL from Citibank acquired approximately two years earlier with just over {$10000.00} remaining. The loan officer submitted my data. Citibank underwriters came back with an offer of {$30000.00} ( note : in the total of my debts submitted were an existing car loan which Citibank does not do car loans, and two Citibank credit cards which Citibank would not cover their own credit card debts, but they seemed to here ). I declined the offer over concerns I would be unable to make the monthly payments. I asked if they could offer a smaller loan. Citibank 's reply was they could offer {$24000.00}, but no less. I accepted the offer. When the paperwork arrived I was listed to receive one check for {$4500.00}, and another check was to be made out to XXXX for {$9100.00} XXXX XXXXXXXX XXXX, a credit union handling my car loan ). This was not acceptable for me. I went back to the same Citibank and same loan officer. I showed her the paperwork, and explained this was not acceptable for me. She called the Citibank underwriters and we were assured over the phone three times that the loan money was to be made out in my name, not in part to XXXX. So, I signed the paperwork in the presence of the Citibank loan officer, and submitted the paperwork through the provided UPS envelope. Within a couple of days I received additional paperwork, and two checks, one made out to me and the other to XXXX as I had been assured it would not be. Repeated attempts on my part and that of the loan officer to get the {$9100.00} check to XXXX cancelled and issued to my name have failed. I informed Citibank numerous times I no longer wanted the loan. I have not cashed or deposited the check for {$4500.00} made out in my name, nor have I sent the check for {$9100.00} to XXXX. Today is XX/XX/2023. Today both checks are now 30 days old. On the checks it states " VOID AFTER 30 DAYS ''. Toward the beginning of this process, I was informed by Citibank underwriters that if I allow the checks to void the loan will be cancelled, and revert back to the previous {$10000.00} Citibank loan. No one at Citibank will now confirm this {$24000.00} loan will be cancelled. No one at Citibank will help me resolve this. I do not want this loan. I can't understand why Citibank would do this to a long to customer unless it is because they want the {$12000.00} finance charge no matter how much they are hurting me. Please help.
Product: Credit card

I opened the XXXX XXXX XXXX XXXX with Citi Bank on XX/XX/year>. However, as of XX/XX/year> I have not received my credit card nor have I been able to access my account. This is a violation of the credit card contract that Citi Bank executed with me when I was in the process of opening my account. I have spoken with over 5 Citi Bank representatives, none of whom were able to get my access to my credit card or online account. In fact, during one of my calls with their representative, I was notified via email that my card had been activated, when in reality I had never received my card from Citi Bank. Citi Bank, lied to me, fraudulent opened my account, and violated the legal contract they executed with me by not providing me any means to access my account or use my credit card. Finally, I had no choice but to close my account with Citi Bank as I had been a victim of fraud through their representatives. However, the supposed Citi Bank account already started showing up on my report and Citi Bank and affected my credit score. The fraud is that Citi had access to my credit history and an account on file, but I had no rights to the supposed account and could not use Citi 's credit services that I had a legal right to per the credit card contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed letter to XXXX requesting that an account be verified that was reporting to XXXX XXXX XXXX, and innovis. On XX/XX/XXXX XXXX sent me a letter back stating that the item was unable to be verified and they will be removing it from my records. I immediately called XXXX and verbally requested this information be update with all the credit bureaus they furnished the information too. The agent told me that my records will be updated in 30 days. On XX/XX/XXXX, I sent a letter request that the item be removed from my file because XXXX found it to be unverifiable. I have never received any response from XXXXXXXX XXXX XXXX XXXX, or Innovis regarding the removal of this item and it has been over 103 days with no response. I am a victim of the XXXX  data breach, and have every intention to take legal action if this is not corrected. This unverifiable information be reported is negatively impacted my credit and I am suffering with the inability to save money by obtaining lower interested rates, which directly effects my household budget. I feel that my requests are be ignored.
Product: Debt collection

I submitted a dispute to all three major credit bureaus agencies XX/XX/2019 in regards to identity theft. I have yet to have my dispute resolve or any feedback regarding this matter and its been over 60 day
Product: Debt collection

Credit Systems International is attempting to collect a debt of XXXX, when the documentation they sent to me shows a credit balance of XXXX. When I call them, they say that I must be misreading the statement, which I am not. Apparently they are looking for the file, but continue to assure me that I owe the money. The last person also stated that they will now do their " due diligence '', which, of course, should have been done BEFORE they attempted to collect anything in the first place.
Product: Debt collection

I had a XXXX  back on XX/XX/2016. I was assured that there would be no out of pocket cost. That it would be covered 100 %. It was a preventative procedure. 

I have been getting calls from Miramed Revenue Group threatening me. That if I don't pay {$480.00}, it will go on my credit report. That was after I told them I have a recording of Dr XXXX 's staff telling me there would be NO OUT OF POCKET COST TO ME. Based on that information, I went ahead had the procedure done. 

Under the Affordable Care Act, services recommended by the U.S. Preventive Services Task Force are covered with no out-of-pocket payments. For people between 50 and 75, the task force recommendsscreening for colorectal cancerusing stool testing, sigmoidoscopy or colonoscopy. 

[ According to the law, if a polyp is discovered and removed during a screening colonoscopy, there will be no charge, because thats considered part of a routine colonoscopy. ] According to this article below, It says that, While the Affordable Care Act includes free preventive procedures like colonoscopies, were hearing more and more that people are being asked to pay, from community members. We dont know anyone who keeps overall records on how big this problem is, but we can tell from this article by being one of our busiest posts. 

Under the Affordable Care Act, services recommended by the U.S. Preventive Services Task Force are covered with no out-of-pocket payments. For people between 50 and 75, the task force recommendsscreening for colorectal cancerusing stool testing, sigmoidoscopy or colonoscopy. According to the law, if a polyp is discovered and removed during a screening colonoscopy, there will be no charge, because thats considered part of a routine colonoscopy. 

Dr XXXX XXXX XXXX, went ahead and charged me anyway, even though I was specifically told by a member of his staff that there would be NO OUT OF POCKET. They would check to be sure and if for some reason there would be any out of pocket cost, they would let me know prior to the procedure. 

I have a recording of that conversation that I will gladly provide. I want to go to court to present this evidence to a fair minded judge. 

Here is the article that also says that Doctors offices are often miscoding these procedures in order to charge their patients more money. 

From <https : XXXX
Product: Vehicle loan or lease

I am writing to file a formal complaint against American Credit Acceptance regarding an auto loan that was initially co-signed by my ex-wife and myself. Despite my status as the primary borrower, I was kept in the dark regarding key decisions that have severely impacted my financial health and credit score.

Here 's a summary of the situation : 1. During our divorce, my ex-wife left me the car, as I used it for my XXXX business. Upon receiving it, I realized the loan was upside down. 
2. I took steps to resolve the debt by voluntarily surrendering the car for repossession.

3. Unbeknownst to me, American Credit Acceptance allowed my ex-wife to redeem the car.

This decision reactivated my financial obligation without my consent or even notifying me. 4. I found out about the unauthorized transaction only when I was contacted by the lender about my ex-wife 's delinquency on payments. 5. Requests to be removed from the loan or gain access to relevant documents have been met with resistance or outright denial. 

The actions of American Credit Acceptance have put me in a compromising financial situation without my consent and without proper notification. 

Key Issues : - Lack of Communication : I was never informed of the decision to allow the redemption of the car by my ex-wife, thus reactivating a loan I had considered resolved.

- Unauthorized Transaction : The car was in my possession and was voluntarily surrendered by me. American Credit Acceptance should not have allowed someone not in possession of the vehicle to redeem it.

- Inadequate Resolution : My requests to remove myself from the loan or at least gain access to my account details have been ignored or lied about.

These actions not only violate ethical norms but may also contravene financial laws and regulations. I am seeking immediate resolution of this matter, including removal from this loan and a correction of all associated credit reports. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disagree with the information listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit worthiness. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation with the information update immediately. 

NAME : XXXX XXXX XXXX XXXX : XX/XX/scrub>XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  :
Product: Credit reporting or other personal consumer reports

Equifax Account Number:XXXX  To Whom It May Concern : Account Name : XXXX Account Number : XXXX I received a copy of my credit report. To my surprise, you are reporting this account this account as being late XXXX but States that the last payment was XX/XX/2022. You can not take a payment and state it's the last payment made but also report me as XXXX  days late.

_ According to the FCRA, I have the right to an accurate credit
report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 
Sincerely, XXXX XXXX