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

In the last several days on my Transunion report I have had 3 accounts removed because they were fraudulent collection accounts. My score has dropped over 50 points because they took off false information. That is not how things work.
Product: Credit card or prepaid card

FIRST PROGRESS CARD has recently marked me late on 2 accounts that i opened with them. Im not even sure why ... .i still hadnt even activated the cards or used them and they marked me late on a yearly fee that they charge ... .i understand about the yearly fee but i wouldnt think that they would mark you late without the card being active,,, i got these as a credit builder option and they have done th opposite ... .i am really looking to purchase a home and this killed my credit
Product: Credit reporting

Transunion has erroneously deleted my entire credit history and although Transunion has on several occasions said the matter would be resolved within 2-3 business days or 3-5 business days ( depending on which representative I spoke to ), the matter still is not resolved over one month later. I was pressured into purchasing their credit monitoring program which I continue to pay for although my credit score and credit history remains inaccurate over 30 days later. I was told to fax a copy of my license, social security card and utility bill and that the credit information would be immediately re-entered by the " special handling department/maintenance department '' no later than 2-3 business days. This was over two weeks ago! The last person I spoke with was the supervisor is said that although Transunion promises a quick resolution, the process of re-entering is a timely XXXX and that I just need to give them time. Unfortunately, I do not feel this response is adequate. It is disheartening to know that a company such as Transunion that is trusted with being the record keeper of such critical information is unable to accurately maintain said records. Their behavior is unconscionable, consumers are held at their mercy, our livelihood often depends on credit and unfortunately we do not have the ability to wait several months for Transunion to rectify their erroneous credit reporting. Any assistance in having my credit history accurately restored would be greatly appreciated.
Product: Credit card or prepaid card

It started XX/XX/2020, I woke up to see my unemployment Bank of America debit card was hacked and {$600.00} was taken from my account. I was confused on how that happened when I had the debit card In my hand and the charge was an ATM withdrawal at a XXXX XXXX. Mind you this is a Bank of America prepaid debit card. How can there be a ATM withdrawal when I have the debit card in my hand! No one has ever used any of my cards. Right away I instantly knew something was not right. Immediately I called Bank of America unemployment and they started a claim to get that money back. The representative explained I will be getting a new card, three days later I got the card and activated it. I was able to get 2 weeks of my unemployment payments with no issues. On XX/XX/2020 I got a letter from Bank of America saying the claim has been closed The date it was printed out was XX/XX/2020 one day after I called about the fraud. I call Bank of America unemployment and they said this is been a known problem and they submitted a complaint for me to have the claim re-open. On XX/XX/2020 I go to login to my Bank of America unemployment website and in red came up to call the phone number on the back of the card, After speaking with useless representatives that kept passing me around in circles and transferring me and hanging up on me no one has helped open my account. I keep getting told there is nothing that can be done. Now I have {$600.00} stolen from my account and I cant have any access to get In my account. How will I get the weekly unemployment claims if Bank of America froze my account and is blaming XXXX? This happening to so many people in XXXX XXXX I am not the only one this is happening to. We need our money! Bank of America needs to be held accountable, this is illegal!
Product: Money transfer, virtual currency, or money service

I made an online purchase, but the order was canceled. When I opened a dispute, they claimed they would investigate, but instead, they shut down my account and allowed me to lose my money. It seems like they routinely close peoples accounts without returning their funds, effectively scamming customers. Their customer service is nonexistent ; they simply ignore all emails. I want my money returnedI have no interest in their banking services, as they appear to be a shady operation.
Product: Debt collection

I have a collection debt on my credit report at TransUnion and someone at credit consumer Reports or TransUnion are taking it off one day and putting it by on another day which makes my credit score drop and did have happened several times to decrease my score
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry for a XXXX credit account. I 've never had one or applied for one.  Please check this out for me, so this can be removed from credit report. 
Thank You XXXX XXXX
Product: Student loan

I am writing to formally lodge a complaint against Nelnet, the servicer of my student loans. I am deeply concerned about the mishandling of my recent student loan payments and the lack of clarity and transparency in Nelnet 's communication. 

Here is a detailed account of the events leading to my complaint : On XX/XX/2023, I made a substantial payment of {$77000.00} towards my student loans. The payment was intended to pay off loans in groups AA-AE, as indicated by Confirmation # XXXX. 

Despite my significant payment, I noticed on or around XX/XX/2023, that Nelnet was displaying loans in groups AA-AC as paid off, with an outstanding balance of {$33000.00}. However, loans in groups AD-AE, with an outstanding balance of {$43000.00}, were not marked as paid. 

In an attempt to resolve this discrepancy, I placed a call to Nelnet on XX/XX/2023. During this conversation, I inquired about the status of loans in groups AD-AE. I was informed that my " payment would be allocated '' within two weeks. 

Today, on XX/XX/2023, I contacted Nelnet once again to check the status of loans in groups AD-AE. Unfortunately, after three hours on the phone, I received the same response, both from a representative and a supervisor, stating that there was no timeline for my " payment to be applied. '' This lack of transparency and accountability is causing me considerable distress. 

I would like to bring the following issues to the attention of the Consumer Financial Protection Bureau for investigation : Delayed Payment Allocation : Despite my payment on XX/XX/2023, Nelnet has failed to allocate my payment correctly, causing loans in groups AD-AE to remain unpaid. 

Lack of Transparency : Nelnet has provided inconsistent information regarding the timeline for the allocation of my payment. The absence of a clear timeline is unacceptable and creates unnecessary uncertainty. 

Customer Service Experience : The customer service representatives at Nelnet have been unable to provide me with a satisfactory resolution or clear answers regarding the status of my loans, further exacerbating my frustration. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that Nelnet rectifies the situation promptly. I expect Nelnet to accurately allocate my payment and provide a clear timeline for the resolution of this issue. Additionally, I urge the Bureau to hold Nelnet accountable for its actions and ensure that such discrepancies do not occur in the future. 

Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue and protect the rights of student loan borrowers like myself.
Product: Consumer Loan

My auto loan is with Capital One Auto Finance and I have fallen behind on my payments. In XXXX, 2015, they sent me a loan modification form, but I did not meet income requirements to get approved. My situation has changed and I now meet the income requirements, but they are saying I am not eligible for the modification. They can not, or will not tell my why I am not eligible so that I could have the opportunity to fix the problem and make myself eligible again. Because I have bad credit, I am paying 11.95 % interest and a payment of {$710.00} for a XXXX Pathfinder, and on a fixed income, this is just not doable. Why was I eligible for a loan modification in XXXX, but not in XXXX?
Product: Credit reporting or other personal consumer reports

I received a hard inquiry on my credit report labeled as " ComenityBank/kay '' on XX/XX/2024. This inquiry says that I applied for a new credit. This is false ; I have not opened any new credit lines. I have monitored all of my credit cards, however, I am deeply concerned that this inquiry is fraud and would like to have this resolved and also removed from my credit report. I called XXXX and XXXX who both advised me to place a report. Please advise on next steps, thank you.
Product: Mortgage

This is a follow-up to a complaint I made yesterday, #  XXXX . A company called  RoundPoint ha s been contacting me asking for money, claiming to be my mortgage servicer. Meanwhile,  XXXX  ( my actual mortgage servicer ) has confirmed multiple times that  XXXX  is the servicer. I have been making my payments to  XXXX . After I filed complaint #  XXXX  yesterday,  RoundPoint called me to respond to the complaint, claiming that I am still being serviced by RoundPoint  and that they will send me paperwork to prove it. However,  XXXX  has sent me paperwork showing that they purchased servicing rights fr om RoundPoint  effective  XXXX   XXXX ,   XXXX  . I am writing again to include this letter from  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

My account has been paid in full to XXXX XXXX. XXXX has updated all my information to reflect correctly but for my Experian credit report, it is reporting wrong. It is showing delinquency is recent as of XX/XX/XXXX which is incorrect. The debt was paid in XX/XX/XXXX. It reflects correctly on my XXXX  and XXXX, but does not on my Experian. This called re-aging my credit report and is illegal. I do not think it was on purpose but it is reporting " potentially negative '' on my Experian credit report due to how XXXX update the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

URGENT - Failure to Adhere to Fair Credit Reporting Act ( FCRA ) Requirements Dear Consumer Financial Protection Bureau ( CFPB ), I hope this letter finds you well. I am writing to bring to your attention an alarming violation of my rights as a consumer, as stipulated in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ) ( 1 ) ( A ). 

On XX/XX/2023, I submitted legitimate dispute letters to Experian, XXXX, and XXXX, the three main credit reporting agencies. According to the FCRA, they are obligated to respond to my dispute within a XXXX window. However, despite the ample time given, I regret to inform you that I have yet to receive any communication from these agencies regarding my dispute. 

This failure to respond within the stipulated timeframe is a clear violation of 15 USC 1681i ( a ) ( 1 ) ( A ) of the FCRA. The unresponsiveness of these credit bureaus has not only left my dispute unresolved but also demonstrates a blatant disregard for the regulations designed to protect consumers like myself. 

I respectfully request your immediate attention and intervention in this matter. It is vital that these agencies are held accountable for their compliance with the FCRA, and that my rights as a consumer are safeguarded. 

I appreciate your time and prompt attention to this urgent issue.
Product: Credit reporting or other personal consumer reports

I currently have 4 hard inquiries thats on my credit report that should not be on there Im trying to move and the hard inquiries are holding me back.. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX DID NOT GIVE THEM PERMISSION TO RUN MY CREDIT
Product: Mortgage

Amerisave ( Amerisave Mortgage Corporation, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX ) misrepresented rates and mislead me into the cost of {$500.00} for lending services. Amerisave performed a bait and switch and did not honor. Amerisave agent XXXX XXXX, provided rates that could not have been met with the given circumstances and terms of the loan ( they failed to adequately adjust due to an existing HELOC ). I was enticed to apply for mortgaged based upon rates they provided me. They collected a {$500.00} application fee from me as I decided to enter into a business agreement with them per the information they provided me ( rates, costs of loan ) After several hours of providing documentation, and waiting several weeks, they informed me the rates and terms would change because of an error on their part. At that point I informed them that I was misled, requested to terminate business with them, and requested a refund. They stated they would process a refund and ultimately did not provide me the refund. They knowingly admitted they were in the wrong and did not adequately resolve the situation. They  continued to led me on with false statements and actions which attempted to deter me from entering into a refinance with another company, which resulted in a short term and long term financial loss, due to missed opportunity to proceed with another lender that provided honest business practices. Records of the requests, poor customer service, and admission of their errors have been attached.
Product: Mortgage

In XXXX, I purchased from XXXX Mortgage my primary residence in XXXX XXXX Maryland for {$120000.00}. My mortgage was automatically transferred to XXXX Home Loans. In spring XXXX, I refinanced my mortgage with XXXX, taking {$80000.00} cash out to invest in a company called XXXX XXXX XXXX. As an investor, XXXX XXXX XXXX made the mortgage payments as a partnered investment. Therefore, I invested in a second home. The mortgage payments on my investment home, and primary residence, including the mortgage payments on the {$80000.00} refinanced loan amount, continued to be paid. In XXXX, the Maryland State 's Attorney ordered XXXX XXXX XXXX to seize and desist because it was found to be a ponzie scheme. Due to my inability to afford XXXX mortgages after the XXXX XXXX XXXX 's scheme failure, I defaulted on the investment property. But I continued payments at my primary home as the mortgage payment was manageable. 
Throughout the life time of my mortgage, it was transferred to several different lenders. XXXX XXXX Mortgage, XXXX, XXXX XXXX Mortgage, and now Chase Mortgage I began a loan modification with Chase Mortgage, and was lead to believe that I had to take what Chase Mortgage offered, or risk losing my primary residence. 
What concerns me most is the amount that I am now told that I owe on a home that I purchased in XXXX. It far exceeds what I expect to owe after having been in my home for over 20 years. I am no closer to owning my home now, then when I purchased it in XXXX. I feel that I am a victim of predatory lending. I am requesting the CFPB to assist with my concerns. My mortgage increased from {$120000.00} to over {$330000.00} and I only made XXXX refinance loan for {$80000.00} during the term of my mortgage. I must admit that I am not very savvy with all of the mortgage jargon, and I believe that I have been taken advantage of by the mortgage companies. As XXXX era Veteran and federal government retiree, I am living on a fixed income and would like your assistance. It is my hope, that as a consumer, you can help.
Product: Credit reporting

XXXX State filed judgement of {$18000.00} on XXXX/XXXX/2015. After our accountant provided them information why we did not owe this amount, XXXXState cancelled this assessment. See attached notice from XXXX State. However, they did not report the cancellation of this assessment/judgement.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, 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 ( XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Vehicle loan or lease

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report last week and noticed multiple billing errors that fall under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

I am very aware of my rights as a consumer and find this very frustrating that I have to go through this problem when I have done no wrong on my end. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report. Or removed from my credit profile.

1. This account is invalidated/ inaccurate XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

This is aggravated identity theft
Product: Debt collection

I was contacted by The Offices of CREDIT MANAGEMENT, many times on the following dates : XX/XX/18, XX/XX/18 ( contacted twice ), XX/XX/18, XX/XX/18, and XX/XX/18. On XX/XX/18, they called me after XXXX XXXX. I called them back and spoke with a rep. He asked me to give my address and the last four digits of my SSN. I asked him what he needed this info. for? He said it was to make sure that he was speaking to the correct person. I asked him what this call was about? He just told me that the call was about personal matters and that he was from The Offices of CREDIT MANAGEMENT. I asked to speak to his supervisor. However, she wouldn't tell me anything other than the name of the company. I asked both the previous rep. and his supervisor what do they normally call people about, i.e. was this call for debt collection? Again, they would only tell me that this call was about personal matters, I would have to give my personal information, and that they were The Offices of CREDIT MANAGEMENT. I don't understand how you allow companies like this to even exist. The number I called them on was ( XXXX ) XXXX. When they called me on the other days, it was from similar numbers " ( XXXX ) XXXX XXXX '' I asked them to put me on the Do Not Call List. I didn't get any more calls from them. However, I started getting calls from numbers " ( XXXX ) XXXX XXXX '' Specifically, ( XXXX ) XXXX on XX/XX/18 from a company now called XXXX XXXX XXXX . They were asking about someone else. So, this could be a case of the wrong number.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX disputes regarding a collection and requests for validation of a debt were sent to Experian that included the following accounts : XXXX/XXXX XXXX XXXX Acct : XXXX, XXXX. 
An inquiry from XXXX XXXX  on XX/XX/XXXX and names I have never gone by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Several follow up letters by certified letter, more than 10 phone calls and 3 direct uploads to their online disputes system and contact attempts were made well into XXXX  of last year. A CFPB complaint was made XX/XX/XXXX about all erroneous reporting. All of the above accounts, inquiry and incorrect name information was removed from my credit file. Upon checking my credit file on XX/XX/XXXX, this information has been erroneously placed back on my credit report with out notice by Experian, XXXX  and XXXX. In violation of the Fair credit reporting Act. 

In addition, XXXX, XXXX and XXXX continue to report XXXX   XXXX XXXX XXXX XXXX. After receiving information verifying the account had various errors in it's reporting. Another violation of the FCRA.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Bank account or service

I received a XXXX day late notice on my credit that was reported by US Bank. I disputed with XXXX and XXXX but was told the credit was validated. I was sent to collections for a balance of {$2.00} from an overdraft protection charge from my reserve line credit account. First of all I paid my reserve line in full in XXXX of XXXX and requested it to be closed. I was then charged a {$5.00} overdraft protection fee in XXXX XXXX. Based on their Deposit Account Agreement I had the option to authorize an " opt in '' from my reserve line for overdraft protection but never approved or authorized US Bank to draft from my reserve line for my checking account. The {$5.00} fee was taken from my reserve line and applied as an overdraft fee for my checking account. I included all documentation to show the transactions. I never received any calls of the fee nor emailed or mailed statements. US Bank took the fee out of my account without authorization and ended up crediting back my account the balance and late fees in XXXX of XXXX ... XXXX years since I requested it to be closed. US Bank is also unwilling to correct my credit score as they said the XXXX notice ws valid ... they did remove the XXXX day notice. US Bank has been unwilling to work with me to get this corrected and I feel they reported incorrect info to the credit agencies even after I pointed out their error. Their intentional deception of credit reporting has damaged my credit history and thus would not allow me to qualify for a home loan. I was also told that US Bank could have provided a coutesy removal of late notices but did not contact them in time ... US Bank is deceptive in the credit practices and has taken steps to harm me since this was reported to the CFPB. I also contacted the president of US Bank but XXXX XXXX was unwilling to protect the customer and is willing to allow his company to conduct deceptive and harmful collection and credit practices.