23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I filed a previous complaint and your agency did nothing to address the issue except to close the complaint after a form letter that was sent to you about the loan. On XX/XX/XXXX applied through the Department of Education for the XXXX program. Called Nelnet on XX/XX/XXXX ( XXXX hours on hold ) and they said they didn't get it ( conveniently either Dept of Ed is negligent or nelnet but most likely both ). Took my time to give the rep all the tax info and uploaded it to the site while on the phone with the rep, and she said I was verbally approved for Save and would be put in the program within 10 days. Never happened. Called again in XXXX, another XXXX hours on hold, and was told they were waiting for my tax form, when I informed them it's already on their site and I could see it. Was told that it would be approved. Filed complaints. I received an email on XX/XX/XXXX stating that my request has been approved and to give them 10 days for it to apply. Gave them 10 days was never applied. Received an email on XX/XX/XXXX stating that I am now in forbearance with the interest that continues to accrue. Received another email on XX/XX/XXXX stating I need to pay them {$5.00} for the income based plan to happen. Why am i paying this fee when they are already collecting hundreds of dollars in interest that should not be accruing due to my application on XX/XX/XXXX and XX/XX/XXXX. Nelnet has a vested interest in dragging their feet to approve plans since they are gaining profit from the interest people are paying. The interest needs to stop accruing until this plan is implemented. I have done everything requested they have not. I should have the option of choosing my loan service provider because I would not choose Nelnet. Look all over the internet about their issues. They should not be allowed to stay in business and your agency should not just close complaints with absolutely nothing being resolved. I will be calling Nelnet again on XX/XX/XXXX and will probably be on hold for hours again. This needs to stop.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed inquiries that do not belong to me
Product: Credit card

I was forced to carry XXXX mortgages and left with over {$20000.00} in overdue bills and damages when the tenants in my California home disappeared in XXXX 2015. I managed to cover everything, but had to juggle and barely made it. I got the house back on the market and sold, but I was financially in trouble until I received the monies from the close of escrow. I called Discover Card and explained to a representative my situation requesting that I be allowed to hold off one additional month and would pay in full on XXXX XXXX or as soon as the mortgage closed. The representative agreed to allow me to do that and said he would notate it in the billing notes. We had an agreement. At no time did he inform me that Discover would report me to the credit reporting companies, my understanding was, we had an agreement. I was finally able to plan on giving my family the new home I had been promising them for several years. Discover turned me in as late to the credit monitoring agencies and caused a XXXX point drop in my credit rating. I had nothing negative on my credit record prior to this. Nothing! Had I realized they would do this, I would have done everything I could have to prevent it, and in reality, thought I had. I had no idea they would do so, as we had an agreement. I called them. They were much less than concerned, one Discover representative telling me to read the full contract after explaining to her that this has placed and unfair, and in my opinion, extreme hardship on me and my family. I 'm retired. I 'm a XXXX and I do n't understand much of the financial working of credit companies and I 'm just trying to survive. But when I make an agreement, I stand by it. This has caused us to have to spend {$1500.00} to {$2000.00} a month more if I am going to give my family the home they deserve, due to a higher interest bracket and having to pay mortgage insurance, all due to the credit report from Discover Card, and their not honoring their agreement with me. Again, my credit was nearly in the XXXX prior to this. It dropped into the XXXX due to it. I feel Discover Card did not properly honor their agreement with me and I feel they should pull the negative report. Especially as I paid them in full as soon as I got the escrow money, holding up my end of the agreement.
Product: Mortgage

In XX/XX/2018 my loan was transferred to Rushmore loan management. I asked for a loan modification before we made any payment to them. They started the process and it took them several months to approve it, while waiting for a decision we were instructed to make several payments to the modification unit on the dates which was specified. When the modification was approved we made our first monthly payment as instructed. Our loan has been reported to all 3 credit bureaus as being late 120 days for those months during the modification and I don't think that's fair to us because it has kept my credit score low and has caused me many denials for credit. We had never missed a payment or being late once the modification was final our payments have always been on time and it reflects that on my credit report. I would welcome any assistance with this matter that you could provide. Thank you.
Product: Debt collection

I have an auto loan with ally financial and I an 40 days passed due. Primarily spoke to them and we set up when I would pay.. days after that they have called me 30+ times in two days with no voice mail..
Product: Payday loan, title loan, or personal loan

I have gotten a loan a month after covid happened. I was expected to make payments on the loan waiting for unemployment. I was approved for unemployment and have gotten a check. I made 1 payment to my loan then unemployment stopped paying me without any letter or call to me. Months later I still file every week but still no other payments made to me. I have called unemployment numerous if times can't get any answers. After filing each week for unemployment 8 months to this date I haven't recieved a payment it shows they owe me XXXX but hasn't sent any monetary funds to me they know it's a pandemic and 8 months without any funds causing interest on my loans and harassed daily by the company to repossess my vehicle after numerous of times letting them know of my economic hardship. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an incorrect debt/past due amount reported on my credit report. Supposedly the debt came from XXXX to a company called " Receivables Performanc '' according to the information XXXX has. I never had a XXXX  account nor have I ever been contacted by any representatives of either company. I believe this report to be false or else someone stole my identity.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX Account # XXXX
Product: Vehicle loan or lease

An extended protection warranty was purchased on a XXXX XXXX XXXX purchased in XX/XX/XXXX when the vehicle was purchased from XXXX XXXX in XXXX, Florida for the amount of {$1800.00}. I recently traded the XXXX XXXX XXXX in for a new XXXX XXXX XXXX, my XXXX XXXX trade had less than XXXX miles and was still under the factory warranty. 
I then was requesting my refund back from the extended warranty and found that the extended warranty which costs {$1800.00} was prorated back to the day I purchased the vehicle even though the extended warranty was not used nor took effect. Out of the {$1800.00} I only received XXXX refund and this is just plain old robbery of the consumers! 
I called and met in person with the general manager at XXXX XXXX and my complaint in essence fell on deaf ears! I also called XXXX XXXX XXXX , XXXX which is the holder of the extended warranty and same just fell on deaf ears! My feeling is that the CFPB should look into this ripping off of the consumers and this needs to be fixed!
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
These are the accounts disputed XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX co XXXX XXXX XXXX in XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, ( Experian, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX XXXX account # XXXX, XXXX account # XXXX, ARCHILDSUPPT account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX ) I am Attaching identity and proof of address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX submitted a dispute to Equifax in XX/XX/XXXX. In XXXX XXXX I received a response from Equifax stating Equifax needed to verify my identity before disputing any account. I have disputed accounts reported by Equifax several times from the same address the past two years. Accounts have been reported by Equifax on my consumer report and Equifax has never contacted me the consumer to verify any account reported before they report. 

I have attached my dispute letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth 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 account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00}.
Product: Credit reporting or other personal consumer reports

After checking my credit reports I am writing a second time to inform these companies that they are unlawfully reporting unauthorized inquiries on my consumer report. I have not given you permission to access my credit profile. I also do not have any knowledge of these inquiries that have been unlawfully reported, no accounts or contracts are shown for these inquires as well. I have not initiated any transaction with the following accounts : XXXX XXXX ( Finance ) which have been reported twice without my consent. 
XX/XX/XXXXXXXX XXXX, AMERICAN HONDA FINAN, XXXX XXXX Furthermore, I do not have an account as defined. 
under 15 U.S.C. 1693a ( 2 ) with these company 's name for review or collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for auto finance. I was accepted. 
A month later I recieved a letter saying I was denied finance from another lender. 
It cited the reason as my credit score from SAGESTREAM LLC as being XXXX ... .yet i know my vredit score from the other main three agencies is 730+ why is this score so low? who is sagestream? 
I have seen multiple complaints about this company online, hundreds of consumers with the same issue.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, {$1400.00} was taken from my PayPal account without my permission. I filed with PayPal for a refund on these funds, but on XX/XX/year>, PayPal denied my request for a refund. Then, on XX/XX/year>, PayPal debited my account in the amount of {$490.00} and XXXX. Then on XX/XX/year>, PayPal debited my account in the amounts of {$490.00} and {$490.00}. They claim that they gave me several refunds for the money stolen from my account. This is not correct. PayPal refunded me no money whatsoever. 

I tried on several occasions to straighten out this dispute with PayPal. XXXX of those instances, I requested a call back from a supervisor and received no return call. In PayPals communication with me through my dashboard, along with my conversations with PayPal customer service, I was told that I had been refunded more than once for these fraudulent withdrawals from my PayPal account. I received no funds whatsoever from PayPal. Now, PayPal has turned this account over for collections to XXXX XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is not showing correct information on credit reports. The have a Charge Off showing on my 3 major credit file. They have fail to provide that I was 180 days late to put a Charge Off on my credit reports. The reporting is inaccurate information that needs to be removed. The account was paid in full. 

The 3 major Credit Bureaus needs to follow the law and not do what they want to do! People are loosing faith in this system!
Product: Credit card or prepaid card

received hard credit inquiry from my XXXX  acct from Comenity bank XXXX XXXX for credit card. called XXXX  and was told this was credit card application. 
called comenity / XXXX and they confirmed this. they used my ssn and my address but had different phone number and email when application occurred on XX/XX/26. 
the company has canceled the application. 
this is second episode that has occurred to me in past XXXX mos.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account # XXXX, Account Name : XXXX XXXX, Account # XXXX, Account Name : XXXX XXXX XXXX, Account # XXXX, Account Name : XXXX XXXX XXXX, Account # XXXX, Account Name : XXXX XXXX XXXX, Account # XXXX, and Account Name : XXXX XXXX XXXX and Account # 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 a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Product: Debt collection

This company has called me repeatedly, as much as 20 times per hour. Ive asked multiple representatives for more information about the debt, in writing to the address I have on file to better understanding they debt they are attempting to collect is in fact accurate. Specially I have asked repeatedly for information about the provider information, date services are rendered etc. but had been told repeatedly that it is not possible to receive more information about the debt owed. During the phone calls this companys representatives are aggressive and still continue to call after being asked not to contact me further.
Product: Money transfer, virtual currency, or money service

PayPal temporarily limited my account, claiming suspicious activity on my account. I submitted my explanation, that none of my activity was suspicious ( thinking they meant I had been hacked ) and that any fraudulent activity that I encountered I would report immediately. PayPal unfroze my account for a few weeks then inexplicably permanently limited my account, with a note saying You can no longer do business with PayPal. They have frozen my funds in the account and issued threats that they will recover funds from me if needed. I have no idea why they would think this would be a possibility. I have tried numerous times to reach out to PayPal and get an explanation but have not been able to get any more detail other than that their decision is final and they reserve the right to limit accounts for various reasons ( without giving me any detail on what reason drove their decision in my case ). I have attached screenshots of all of the support messages I have received from PayPal regarding this issue, most of which have been the same or a repeated automated message, giving no specific details.
Product: Debt collection

Portfolio Recovery has not fully addressed my issue of validating the debt they seek to collect. They have provided a total of three statements which do not display how the final balance was accrued. I paid this account in full via ACH payment with the original creditor, prior to closing the account due to billing disputes, unauthorized charges, and dissatisfaction with the company 's level of customer service. In the statement printed XX/XX/XXXX it displays a balance of XXXX. The final bill printed just 4 months later ( XX/XX/XXXX ) has a balance over 3x as much as the balance in XX/XX/XXXX but there are not any statements in between these dates. The company has failed to properly validate this account to collect the amount they are attempting to collect. 

Additionally, the company is violating the FDCPA by re-aging this account from the date they acquired it versus the date that it was originally opened and the date the original creditor reported as my last payment. XXXX reports this account was opened in XX/XX/XXXX and the last payment in XX/XX/XXXX, however ; the debt collector is reporting the account was opened in XX/XX/XXXX.
Product: Debt collection

This debt does not belong to me someone used my information without my knowledge spoke with the company they stated it was approved for fraud, but its been on my credit and not coming off
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX ( XXXX XXXX XXXX XXXX XXXX, Asset-Backed Pass-Through Certificates, XXXX XXXX ) We are reaching out to you for clarification on the subject property into if ( " XXXX '' ) is the Trust and if it " owns '' or " Previously '' owned the mortgage and note on the property. If So from when to present-day or Until When. Thank You
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX. XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

-received email communication on XX/XX/2023 for {$2800.00} -received additional email communication on XX/XX/2023 for {$2800.00} - sent debt dispute on XX/XX/2023 requesting all documentation and a ledger that reflects all charges through time. Requested no further communication through email and all correspondence through USPS, informed them that my consent was never given - received additional email communication on XX/XX/2023 for {$2800.00} - received additional email communication on XX/XX/2023 for {$2800.00} - called XX/XX/XXXX to remind them I had disputed and need the documents. Was informed they were attached to XX/XX/XXXX correspondence. Its not a ledger, but a list of charges with no dates or information. Was told they would not respond via USPS and they were treating it as a cease and desist since I refused email and thats the only correspondence they do.
Product: Credit card

I rented a vehicle from a car rental company XXXX XXXX XXXX XXXX, 5 times from XX/XX/2023 until XX/XX/2023. Each time i rented a car it held a security deposit. The rental car company advised me the money would be returned to my account which is chime. None of the money has been returned as of today. Ive reached out to chime several times as well as the car rental company. The car rental company advised me the money was in fact released to my account and provided me with an invoice for each time. Ive filed disputes with chime after speaking with several managers and still no money or any answers about why my money is not available. 
The amount that has not been returned is a total of {$1300.00}. Sixt held {$200.00} four times and {$500.00} one time. The invoices reflect what sixt charged me. My account statement reflects the money that was transferred into the account and it shows the amount over the invoiced amount. Chime tells me every time i call them. They dont see a transaction where sixt held any money. But theres transactions showing me transferring the money in. Chime has a copy of each invoice and screenshot showing the amounts being held.
Product: Payday loan, title loan, or personal loan

On XX/XX/2018 ( XXXX ), XX/XX/2018 ( XXXX ), XX/XX/2018 ( XXXX ) my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.