23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

As of this date I have not received my XXXX from Nelnet, a student loan servicing company. My loans were discharged by Nelnet in XXXX XXXX. I have reached out twice by phone to Nelnet 's XXXX section on Monday the XXXX of XXXX XXXX and was told that " Upper level management was researching if I would get a XXXX for discharge of federal loans. I asked when a decision would be made and was told it would take some time. I asked for a return call to keep me informed and was told not to expect one. On the second time I reached out to Nelnet 's XXXX section I was also told that " Upper level management was researching if I would get a XXXX for discharge of loans and that Nelnet would access my credit from XXXX credit reporting agencies before any decision would be made. In light of the fact that Nelnet intends to " hit '' my credit again, I have not attached the credit reports as they will be outdated by the time Nelnet has accessed them again. Nelnet has continuously reported inaccurate information to these agencies and there is no reason, other than retaliation for my initial CFPB complaint for the mismanagement in servicing of my federal student loans and mismanagement of the XXXX discharge process and for reporting their inaccurate information targeting my credit in a most detrimental manner to credit reporting agencies. ( Seee CFPB complaint # XXXX ). I have alerted XXXX today to place a freeze on my account to prevent further damage from Nelnet. I will contact XXXX and XXXX as well. My questions for Nelnet are : Why is Nelnet tampering with my credit ( pulling credit reports during the ongoing initial complaint which will be formally addressed ) and what legal and legitimate purposes was it initially used for and for what future purposes would another " pull '' be deemed appropriate and necessary? What is Nelnet going to do to demonstrate in writng to all credit reporting agencies, to me and the CFPB that Nelnet has corrected all erroneous information from any credit reporting agency they have reported to? Secondly, Nelnet, is there a XXXX for the discharge of these loans? If there is, where is it and why must my credit be subjected to another around of " pulls '' before a decision can be made about the in question XXXX and when can I expect to receive it in the mail?
Product: Debt collection

Frontline mailed me a letter validation with XXXX that was paid already years ago. And the billing statement on the bill is XX/XX/23. Haven't been with XXXX for years and I paid my final bill {$270.00}. My cellphone number was transferred over to XXXX and I've been with XXXX ever sense. Please see attached bill. And my XXXX XXXX XXXX XXXX XXXX payment to XXXX to close the account and paid in full.
Product: Credit reporting or other personal consumer reports

I formally disputed several inaccurate accounts on my credit report due to suspected identity theft. The disputed accounts included AmeriHome Mortgage Company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, I identified multiple incorrect personal details, including names and addresses, that do not belong to me. 

Despite previous attempts to resolve these discrepancies, the accounts and erroneous personal information remained on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I exercised my right to request verification and validation of these accounts. Specifically, I asked for documentation proving my authorization of the accounts, original contracts, payment histories, and evidence of the debt transfers. 

On XX/XX/2025, XXXX XXXX XXXX flagged my account as being in collections with a balance of {$170.00}, which I did not authorize. Additionally, an unauthorized hard inquiry was made by XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX credit file for an installment loan or new bank account. 

I have requested the removal of all unauthorized inquiries and fraudulent accounts and demanded a written response within 30 days, as the FCRA prescribes. I have provided the necessary documentation to support my dispute, including government-issued identification and proof of address. I am awaiting the resolution of this matter and the removal of all inaccuracies from my credit file.
Product: Vehicle loan or lease

On XX/XX/XXXX I XXXX XXXX, did a pre-qualification for financing with Carvana LLC on that very same day I placed an order for a XXXX XXXX XXXX XXXX XXXX. I provided all necessary documentation for approval I provided documentation between XXXX XXXX XX/XX/XXXX on XX/XX/XXXX I was approved and had a delivery date set for XX/XX/XXXX. I called on XX/XX/XXXX and had the delivery date rescheduled for XX/XX/XXXX. On the date of delivery I got a call from XXXX claiming shes a specialist at Carvana LLC which is a vague statement what does she specialize in? She stated I provided a paystub and whenever a paystub is provided they have to verify income even if thats not a requirement. When I applied I never was ask for income verification I submitted the paystub to verify my address. They asked for identity verification and address verification never for employment verification but yet XXXX tried to verify my income 3 hours before my delivery time. XXXX asked me for additional information which was my manager/ supervisor contact information I successfully provided XXXX with such information, XXXX stated she would call and verify my employment/income which was not a requirement. XXXX contacted me 30 minutes later and admitted she did not contact my employer instead she did her own research which is her opinion so she canceled my vehicle delivery based on her opinion about the company because they dont have a website but theyre registered with the state. XXXX stated unfortunately because my employer doesnt have a website and she couldnt verify employment I would not be getting the vehicle I was promised. XXXX also made it impossible for me to get financing with Carvana LLC. This call with XXXX took place approximately at XXXX am XXXX on Wednesday XX/XX/XXXX I called Carvana LLC and spoke with a different advocate after speaking with XXXX her name is XXXX she stated that is was unusual for them to call right before delivery and she stated that someone inappropriately approved my purchase on their end. I am deprived of a vehicle because of Carvana LLC advocates and their opinions. I have reason to believe that this is a discriminatory action that was taken along with deceptive business practices on Carvana LLC end. Carvana LLC and their affiliates mislead me having me thinking I was getting a vehicle and in fact I wasnt. You cant approve someone and then not give them their goods. All underwriting should have been completed before APPROVAL.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquires that i do not recognize, the follow inquires are not mine and are not authorized and i want removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian, XXXX XXXX XXXX ( Experian ) Failed to generate a report that is valid via FCRA & FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has XXXX XXXX XXXX on my credit report again even though I have never had an account with XXXX XXXX XXXX. I have contacted that bank and they have verified that no such account has ever existed. They do not know how to remove the info so they just tell me to dispute it but equifax has decided to replace it back on my credit report even though it is NOT mine. I had one secured account with XXXX XXXX and that is all. Also my name is not " XXXX ''. It is listed in the aliases. I do not and have not ever spelled my name that way. Anything associated with it is fraud. I know how to spell my own last name, I've was born with my last name and " XXXX '' is not it. Also, XXXX XXXX does not reflect the correct balance the balance has not been correct since they acquired the account and even though I have sent payment with the balance incorrect, they have been casing the payments and not posted one payment that I have made. Someone should to investigate and find out what they are doing with my payments and correct the balance to reflect what it was when it was with XXXX before they acquired the account from. XXXX and find out why the balance skyrocketed.
Product: Credit reporting or other personal consumer reports

I keep disputing an item from a company called XXXX XXXX. This debt is from a medical bill with an XXXX. I have had medical bills that were deleted of my report even XXXX  bills. This XXXX  called the police when I refused the ride and felt ok to have my friend drive and take me to the hospital when all I and was a XXXX XXXX something that I suffer from. I knew that my insurance would not pay for this and that is another reason why I refused the bill. I feel that I should not have to pay this bill when I repeatedly refused a cop made me stay.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 

Also they have violated my rights even more.

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal, They also violated the law because according to 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 an account without my written instructions I did not give anybody written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've disputed XXXX popular personal loan on my credit report as the account is not mine. I've asked to be provided with a signed contract and transunion has not provided with such, XXXX loan I've disputed that this account is current and has never been late I've supplied documents
Product: Credit reporting, credit repair services, or other personal consumer reports

i Disputed some items on my credit report from 2 collection agency with equifax.

i've asked several times for Documents used to verify accounts that was placed on my credit.they have yet to provide me with the documents i am exercising my right under the fair credit reporting Act, Section 609, As per section 609, I am entitled to see the source of information, which is the original contract that contains my signature, if you are unable to to verify with the orginal contract it should be removed
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress I am filing a complaint against Cash App ( XXXX XXXX XXXX XXXX due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress I am filing a complaint against Cash App ( XXXX XXXX XXXX XXXX due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate red
Product: Checking or savings account

My account was closed at Chase bank lost my job trying to get back together
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXXXXXX. XXXX sent me forms to complete. During this time, my account was in administrative forbearance. However, XXXX XXXX XXXX XXXX payments in XXXX, XXXX and XXXX. 

Most recently in XXXX, when my account entered repayment without my knowledge, they send the notice by USPS to an OLD address. My address has been updated by email and phone on three occasions in XXXX and XXXX. When XXXX was made aware, they instructed me to dispute with credit bureaus rather than fixing it themselves. When I disputed through credit bureaus, they refused to fix their error despite my credit report even showing the updated address. 

Moreover, the terms of the loan state that as a resident of Maine, I was eligible for loan discharge due to XXXX XXXX XXXXXXXX proven by the form they required my doctor to complete. Yet, they continue to deny, delay and refuse to fix my credit report which caused me to lose a mortgage and reduced credit rating. 

XXXX continues to deny my discharge and is punitive with reporting. I need help.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts need to be remove immediately from my credit report I didnt authorize this and it does not belong to me
Product: Mortgage

On XX/XX/XXXX I switched Homeowners Insurance for a much lower premium amount. The new policy was sent to Seterus on XX/XX/XXXX. Seterus ran an escrow analysis using an insurance policy that was not in effect, in fact that policy was cancelled. This resulted in causing my mortgage payment going from XXXX per month to {$1700.00}. 
I called Seterus on XX/XX/XXXX and was told that a new escrow analysis would be re-run to update the system with the new insurance to reflect new premium amount of {$1700.00} so by the time my XX/XX/XXXX payment would be due, they had the correct amount. 

On XX/XX/XXXX I received the new escrow analysis in the mail and they again used the wrong insurance policy. I called them again to request this error to be corrected and I was told they could not correct and the only thing they could do was to request yet another escrow analysis. They told me to call back on Friday to follow up. The turn time would be 6-7 business days. Today XX/XX/XXXX I called Seterus and they have not corrected the error and are demanding payment of {$1700.00} and that if payment was not made today, they would report to the credit bureaus. I asked to speak to a supervisor and I was told there was no one I could speak to. I was placed on hold for over 40min. waiting to speak with someone. The agent came back on the phone to tell me she was reviewing the previous notes and that there was no way the new payment would be updated because it takes 30 days for the new payment to go into effect. This was the first I heard of this. I started this request in XX/XX/XXXX, the new insurance policy would not be in effect util XX/XX/XXXX.  Seterus has deliberately damaged my credit despite me following up, calling them every week. This company has been sabotaging my loan ever since it was transferred to them. It took them over 1yr to complete a modification on my loan. I was never late but because they don't know how to calculate payments they have been hurting consumers like myself that don't have a choice. During the modification process I was told to pay them {$800.00} to have the modification done. I agreed to pay but when I asked where to send the check to and who to make the check to, they told me to hold off and that they would include that on my new mortgage payment. This is the worse company I have ever dealt with.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681 b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I, the consumer, have given no written instructions. XXXX, Equifax, XXXX XXXX allow inaccuracies to be furnished on my consumer report. These inaccuracies make me lose confidence in the banking system. This is not fair to my credit; according to 15 USC 1681 ( a ) ( 1 ), the banking system is dependent upon fair and accurate consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXX XXXX back in XXXX for a XXXX XXXX. The car was marked as a charged off account as of XXXX and is still appearing on my report. XXXX keeps selling this closed account to other business and therefor still showing on my account.
Product: Credit reporting or other personal consumer reports

I have accounts opened in my name while I was XXXX, XXXX XXXX, XXXX XXXX XXXX. I have tried to resolve this issue for months now. I have submitted FTC reports, Police reports, etc. Nothing has happened.
Product: Payday loan, title loan, or personal loan

I inquired online about a debt consolidation loan. They said Iw as pre-approved and that I just needed to move through some steps, so I did that. After I completed submitting the first round of information, a lady from the company called me. She said very clearly on the phone " we have the money waiting to transfer to you once you submit the additional documents. '' I am self-employed, so some additional bank statements were required. I could be wrong on the last few words of her sentence, but I know for a fact she stated very clearly that " the money is ready to transfer '' and tricked me into believing everything was good to go. I was then denied the loan after submitting the additional documentation and I feel very much like a victim of misleading techniques. Another representative who was " helping me '' has also been unresponsive when I inquired about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I have multiple hard inquiries on XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX These items are inaccurate because this was accessed in a fraudulent way. I am requesting that the item be removed to correct the information. 

Enclosed are copies of the removals to supporting my position. Please reinvestigate these matters and delete the disputed items as soon as possible. 

Sincerely, XXXX XXXX
Product: Credit card

I am writing to file a formal complaint regarding a charge-off listed on my credit report for {$5700.00} by Capital One XXXX For the reasons outlined below, I believe this charge-off is inaccurate and unfair. 

-Inaccurate Reporting : The creditor has reported a charge-off on my account, but I was not notified properly, nor was I given the opportunity to resolve the debt before the charge-off. 
-Violation of Fair Credit Reporting Act ( FCRA ) : I believe this charge-off may have been reported in violation of FCRA guidelines.
Product: Mortgage

We are selling our home. We have been in escrow since XXXX XXXX, 2015. It is now XXXX XXXX, 2015. The Lender, Mountain West Financial has been Telling us for the last 7 weeks that the loan will close this week, every week. It still has yet to close. We are now living in our trailer, forced to make not only mortgage, but rent for our trailer. We want them to finish the file, but keep getting the run around on it
Product: Vehicle loan or lease

I have been a satisfied customer with Credit Acceptance at XXXX XXXX XXXX XXXX, MI. Ive always considered it a priority to make all my payments on time. Unfortunately, I fell short of my own standards earlier this year due to XXXX. I lost my job & burnt through my savings on bills. Then recently Hurricane Ida destroyed my home & that was another loss, since I been trying to get approved for a mortgage but being denied due to my credit score. I was over a month late with a payment ( XXXX ) resulting in a late payment on my credit reports & negatively affecting my scores.