23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

In XXXX I went on the bank site and saw an overdraft of XXXX I was told by the bank that i cashed a check. However I asked it had my signature on it .. they told me no. They said they sent me that amount of money to my account but I personally never received it however in XXXX around the XXXX I had lost my purse with my phone and cards and i had reported it them .. Im only XXXX I didnt know I had to reported it the police as well .. when I bought a new phone I logged in and saw the transaction that was made however I reported it the bank and they told me that there was nothing they could do! I dont work Im on my own and I cant Pay back for something I dont know about
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX - Account XXXX : XXXX
Product: Credit card

Capital One abruptly closed my account without warning causing a XXXX point drop in my credit score, without a reason provided. I have had and used this as my primary credit account for over 7 years. 
This action was taken because I am disputing FCRA & FDCPA violations associated with one of their officers, XXXX XXXX XXXX, about a charge off from many years ago, and is clearly retaliation.
Product: Credit card or prepaid card

This company is fraudulent. I was to be able to pay off balances within three months like cash. Due to a. XXXX  issue and loss of card 1 payment did not go through. One I realized, I immediately called and made payment. Then I called to pay in full and realized my balance was more than I borrowed? How is that possible. Now I am still getting billed after paying the remaining balance in full to be done with this fraudulent company. I borrowed {$2500.00} and have made payments every month since. See attached.
Product: Student loan

Mohela refuses to forgive the remainder of my student loan under the TEPSLF ( Temporary Expanded PSLF ) and has ignored repeated attempts to resolve the issue. I have met all requirements for loan forgiveness and have been waiting since XX/XX/XXXX for forgiveness. 

I have been waiting over 16 months for forgiveness and discharge of the remaining loan, but no updates have been made to my Qualifying Payment Count since XX/XX/XXXX ( one year ago ). I have only been credited with XXXX Qualifying Payments ( of the required XXXX ) even though I have made XXXX full, on-time payments since XX/XX/XXXX. 

I have contacted Mohela via phone or portal email to try to resolve the issue on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I also filed a complaint with Federal Student Aid on XX/XX/XXXX.
Product: Checking or savings account

I had a Capital One 360 checking account. My son was XXXX XXXXy and was in the XXXX resulting in me missing work. My wife asked her mom for money from from and inheritance from her grandma to help with our mortgage, whenever her mom pays her this money she puts it in an account that is just her name to keep track of how much she gets and then my wife writes a check. my mother in law didnt know that they closed out those accounts after the grandpa died the trust changed. So the check that was wrote came back bad and that it was a closed account. Because of this capital one closed my account. The first time I was notified of this was XX/XX/XXXX. That same day a direct deposit from my employer came in. I was told it would be mailed in 7 to 10 business days. I called on the XX/XX/XXXX and was told it was scheduled to be mailed out on XX/XX/XXXX. I never came so I called on XX/XX/XXXX I was told it was going to be mailed on the XX/XX/XXXX. I called again yesterday to make sure and found out it still hasnt been mailed, I was told an email would be sent. This money is needed, it is my money. I am behind on my bills have ended up with late fees. I need this check ASAP I have a brand new baby that has to be seen at the doctors an hour away two times a week. I need all my money right now. Capital One had made this a nightmare from the start, they wouldnt even give me a chance to prove what happend with the check from my wives inharitance, just treat me like a thief or something. I do not want an account or to do business with them again, I just want my money
Product: Student loan

My loan servicer is demanding payment on student loans by XX/XX/. I am enrolled at least half-time at XXXXXXXX XXXX XXXX  . I reached out to the school first on XX/XX/23 requesting they complete the in-school deferment form and to update my enrollment status at nsldsfap.ed.gov. For 11 days ( going on XXXX ) they have 100 % ignored all requests. Now payment is due in 9 days and this will affect my credit and cause additional expenses/charges on the loan. 

Nelnet has no live humans working there. They have no fax number. The email they give is fake ( it sends an automatic email saying they will never respond because they have not hired anyone to monitor emails ). They literally have no one working there to communicate with students. No valid phone number ( goes to another country to people who have no training/no willingness to correct this issue on their end ). 

Therefore, there is no way for me, a student and person with student loans, to reach anyone at Nelnet to communicate my enrollment status and have the loan deferred. And since XXXX is unwilling to fill out the form and update the information at nsldsfap.ed.gov, this will put my loan in default which is inaccurate.
Product: Credit reporting or other personal consumer reports

I have reached out to this company several times in attempt to get information on an accounts thats being reported on my credit profile that I have no knowledge of. This is not my debt and Im being held responsible for it. This company has failed to provide me with any information or proof of ownership of the said account. I would like this item removed from my credit immediately.
Product: Checking or savings account

I have an issue with BB & T bank with both my husband and I being charged 2 times for a {$35.00} overdraft fee. One on his checking account number and one on mine. On XX/XX/XXXX i transferred {$20.00} from my husbands account to mine. Before I made the transfer, I logged into our account to make sure that the funds were there and they were. A few hours later, I logged in again to see that we had these overdraft fees. When I called a few min later, there was an attomated message saying they were doing maintenance on their systems and both phone and website were not updated correctly. A few hours later, my husbands check was direct deposited into his account. I quickly transferred {$80.00} and called to dispute! The representative said she would put in a request for refund and she said she did see a problem. The representative also made me aware that I had a protection coverage on my account and previously, I was being charged. I was unaware of this and she stated it should 've never been in place. After calling around for several hours on the XX/XX/XXXX, I was hung up on twice and denied! I was told from a women in research department that she will keep dening my request and was unable to help. I had a manager tell me that there is nothing he could help with and feel free to seek legal advice. Another research rep told me not to go by phone or website and it 's my responsibility to to track my spending. I have worked in customer service in the past and have never not found a solution or talk to a customer this way. I honestly feel that something not right is going on here and getting different stories from different people.
Product: Debt collection

I keep getting calls about my debt and I am going to go to jail and be sued. They keep reporting on my credit as well that it is delinquent. This account has been satisfied years ago. They won't stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want it to be remove from my credit report asap. 

1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  XXXX XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a XXXX car from XXXX XXXX towards the end of the XXXX, they took a one-month payment right away, we never received the paperwork in XXXX, XXXX to make the payment, also during the COVID time our XXXX XXXX business was shutdown since second week of XXXX and then on XX/XX/XXXX, I had a newborn baby by XXXX and also got XXXX during the same time. I have been admitted in and out of the hospital all XXXX and till XXXX, not trying to touch the mails as well due to XXXX. After that, I opened a mail received from them stating that I need to make a payment I am past due, I called and tried to find out if there is any help I could get, they agreed to give me further support for a month to month basis, not a stated by Governor of NY that for 3 months we would get support. I was fine with that also and I have made the payments somewhere in XXXX and now I am current I guess. All the other com [ anies I has loan or lease helped me and no credit reporting was done, but XXXX XXXX XXXX reported to the credit bureau for 60 days late for the month of XXXX and XXXX and this is affecting my credit and also looking at this my XXXX credit card has also tremendously decreased the limit. I tried to contact them, but they denied the request for removal from credit reporting on the letter that I had to send, for this purpose they no phone support, everything has to be mailed and waited for. 
Looking for help from as this time was tough and they should have helped, besides XXXX XXXX XXXX had made sure that I don't get help from any credit-related matters and during this pandemic time, I would need it. I have attached a copy of my credit report done by XXXX and the letter I sent them.
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX I have been attempting to resolve inaccuracies stated in the initial complaint I requested and received a consumer report and while I have forwarded information including my driver 's license for verification this matter to all three credit bureaus is unresolved. XXXX closed its investigation without any proof of updates or that it could verify any information contained within the report. XXXX report contains inaccuracies such as Missouri XXXX XXXX XXXX acct. # XXXX ; Dept. of Ed closed accounts acct. # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ; personal information ; inquiries ; and accounts that were discharged in bankruptcies ( XXXX & XXXX ). Transunion still has listed : third-party supplemental information, checking account & demand deposit activity : ( XXXX XXXX XXXX XXXX XXXX ( and XXXX ), among a host of inquiries and other inaccuracies. XXXX, inaccuracies consist of names, addresses, potentially negative items, and closed accounts such as Dept. of Ed. ( XXXX acct # XXXX ; XXXX  acct # XXXX, XXXX ; XXXX XXXXXXXX acct XXXX XXXX ; XXXX XXXX acct # XXXX, ) and accounts that were previously discharged. All bureaus contain accounts I do not know and I did not give anyone permission to share, sell, or outsource my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Wy, XXXX, XXXX, XXXX SSN : XXXX DATE OF BIRTH : XX/XX/XXXX XX/XX/XXXX Dispute of Unauthorized Credit Inquiries. 

To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX  XX/XX/XXXX XXXX. XXXX  XXXX  XXXX  XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. Enclosed is a copy of my identification to verify my identity. I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith.. 

Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 
I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. 

Best regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year>2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Against TransUnion Regarding Credit Reporting Dear CFPB Team, I am writing to formally file a complaint against TransUnion regarding my recent experiences with their customer service and the handling of my credit report.

I received an email from TransUnion expressing a desire to discuss my situation, but I have found that contacting them has been largely unproductive. I have spent an excessive amount of time on holdup to 30 minutes to 1houronly to receive little to no resolution regarding a negative remark on my consumer report.

Despite my efforts to point out negative remarks that are affecting me financially, there has been no change in my report. Specifically, I have requested the removal of negative remarks and for certain accounts to be marked as " paid and closed '' or even deleted from my report. I believe that such updates should not take 30 days that TransUnion indicates, especially when the errors are clear.

I would appreciate your assistance in resolving this matter and ensuring that TransUnion adheres to fair practices in credit reporting.

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, and XXXXXXXX XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States i have the rights 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.
Product: Credit reporting or other personal consumer reports

The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 

Unauthorized Credit Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Prepaid card

I contacted cash app and told them I needed a cash card and they keep telling me that they will not send me a debit card/cash card but I can only use the service by sending money and reccieving money but I cant just send money back and forth I need to retrieve my cash from the app and take my money off and on the debit card! I dont understand why they wont send me a card and when I ask what is the reason they said thats all they can tell me is I can get one maybe in the future I dont understand what that means Ive been waiting 5 months now for a card!
Product: Credit card or prepaid card

I was astonished once I viewed my XXXX, XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2016 I  already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Product: Credit card or prepaid card

THE CREDIT CARD IS XXXX, XXXX ACCOUNT # XXXX SAYING DATE OPENED XX/XX/XXXX DATE CLOSED AND CHARGED OFF ACCOUNT XX/XX/XXXX. I HAVE DISPUTED THIS ITEM WITH XXXX  WITH NO RESOLUTION. THE CREDIT CARD AGENCY HAS A BALANCE AMOUNT OF {$550.00} AND PAST DUE {$180.00}. I NEVER OPENED THIS CARD AND I HAVE BEEN TRYING TO RESOLVE THIS ISSUE AND XXXX 'S KEEPS INSISTING THIS IS MY DEDT. IF THIS BILL IS OVER 6 YEARS OLD HOW COULD MY PAST BALANCE DUE ONLY BE {$180.00}. XXXX HAD THE BREACH I DONT KNOW IF THEY STOLE MY IDENTITY AND CREATED AN ACCOUNT. I WANT THIS OFF MY CREDIT REPORT BECAUSE ITS NOT MINE AND XXXX HAS NO CREDIBILITY. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 View full complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX P.O. Box XXXX XXXX, PA XXXX XXXX : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : XXXX XXXX XXXX XXXX XXXX XXXX PO BOX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX Account # N/A To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA. 

XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage response from you expeditiously. 


Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Mortgage

In  XXXX   XXXX  my mortgage loan balance was {>= $1,000,000 }, ( m y original originated loan amount was for {$1200.00 }, ) I  was offered/granted  a Loan Modification b y   XXXX   XXXX   XXXX   ,  at a new balance of  XXXX .  ( defe rring {$350000.00}. ).     I believe there is an error in the calculation, and I would like my balance adjusted to the principal balance at time of modification of {>= $1,000,000}.     I submitted a written request to the Loan Servicing company, SPS  Select Portfolio Servicing Inc.  in  XXXX   XXXX  asking for this investigation and correction, they responded that they are governed by the modification agreement. I am asking for your assistance to help escalate this matter for me which is far greater than I am able to manage on my own. Your assistance is appreciated.     Notes :  Current Balance   XXXX   (   XXXX   XXXX   ) Deferred  Principal {$350000.00}. (  XXXX   XXXX   ) Total Statement Balance  {>= $1,000,000}
Product: Credit card or prepaid card

I want to complain about NORDSTROM I received a promotional email from NORDSTROM for a credit card application. Then I log in and apply. The results could not be approved, but I do not complain.

But I still receive credit card offers from the Nordstrom email app every day. I filled in the application again and the result was not approved again. I must complain and complain.

The fact that Nordstrom sent false e-mails to seduce me and cause my credit score to drop led to an additional investigation of my report and a negative impact on me. I was even more skeptical that my personal information was picked up by Nordstrom for other purposes.

XXXX XXXX XX/XX/2018 THANK YOU