23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I consolidated my loans from XXXX to Nelnet when the payment pause ended. The total amount was {$200000.00}. They had the best interest rate option and payment for repayment - and the best reviews I could find for customer service ( unfortunately that was a XXXX error because all I'm seeing now is how awful Nelnet is ). I received an email from Nelnet that the loan was approved and asked me to log in and create an account- so I did. When I logged in the SAME DAY my loan was approved, the balance was {$170000.00} HIGHER at {$390000.00} with my payment TWICE as high as it was supposed to be! 

So - I called Nelnet. I sat on hold for 2 hours and 10 minutes before someone answered ( all while trying to contact them through social media which they have their messaging turned off ). When the lady answered, I told her what happened and she quickly spoke saying, 'that 's an error on the site, it will be fixed, that's wrong - keep logging in and it should change ''. I asked if there were a timeline when it would be updated and she didn't have one - but she did say " you have a long time before your first payment, if it's not fixed by then, we can look at different repayment options or consolidation options ... '' My first payment is due in XXXX ( one month ). That's not a long time. Also - I'm acquiring interest on almost {$400000.00} of debt I don't owe! 

Then - a week letter I received my congratulations consolidation letter with the correct amount on it. It states : " Congratulations! Your Direct Consolidation Loan was completed ( originated ) on XX/XX/2023 with a current balance of {$200000.00}. 

So - I just logged into my account and the information is STILL wrong! It still has my payment at {$2300.00} with a loan balance over {$390000.00} AND {$700.00} of acquired interest SINCE THIS BEGAN! 

Now I've been on hold for 41 minutes with an *expected* wait time of 90 minutes- and trying to find other options to move this loan. Going with Nelnet was a MASSIVE mistake!!!
Product: Credit reporting or other personal consumer reports

I have discovered instances of identity theft on my consumer report, which appear to be clear violations of state law and federal law, specifically 15 U.S. Code 1681c-2. I have not provided my explicit consent for any of these accounts to be reported without my expressed, written consent ; nor when I initiated and opened these accounts was I advised that these private transactions would be reported. This violates the very right to privacy I am seeking to protect, to which the agency is depriving me of. Furthermore, if the agency refuses to remove these accounts, not as a matter of accuracy, to please supply proof and evidence that you are non a non-affiliated, for-profit organization possibly profiting off of the reporting of these private transactions. If you lack my permission to report, which you do, these accounts shall not be reported. Please remove these accounts immediately. There should be no verification or validation and I do not consent to you communicating with the accounts I demand be removed. This, as well, violates my right to privacy. The accounts belong to me, so accuracy is not the issue. These violations stem from unauthorized transactions executed without my explicit consent, leading to the reporting of highly personal information to third parties. The credit reporting agency has also failed to provide clear and conspicuous information regarding the reporting of certain accounts, as mandated by the XXXX XXXX. Furthermore, I was not notified when a consumer report was being generated on my behalf or when an investigative report was requested, which I believe is a violation of 15 U.S. Code 1681d. Identity theft happens when information is obtained and shared without your expressed written consent or knowledge and this is what happened. The credit reporting agency lacks evidence that proves you provided consent to have these private transactions and accounts reported per the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Recently looked at a copy of my credit report and noticed several inaccuracies on my account his account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item am asking you to verity as accurate XXXX account ( Account Name XXXXXXXX XXXX XXXX  Account i dont see the account number )
Product: Checking or savings account

I have had several on going issues with bank of America. My previous co plaint against them is still unresolved. They are consistent with having horrible customer service. When coming into the only branch in  XXXX    XXXX   there is always a hit or miss with a notary. The branch has only  XXXX  notary for the whole   XXXX   XXXX    XXXX  and if she 's not available you 're stuck going to another bank or notary service. I booked an appointment as I was instructed to do and it was cancelled because once again they had no notary. Furthermore I added an authorized user to my account and was told when I signed up for it they would be a user not a co owner now I am having to close the account just to get this person off my account. Bank of America  executive off ice someone by the name of  XXXX  has still not spoken to me directly about the previous complaint it 's a phone tag of him calling every few days and not setting a specific time to resolve the matter as I 've left voice messages requesting. Horrible bank that still wo n't honor disputed transactions.
Product: Credit reporting or other personal consumer reports

I initiated a dispute on XX/XX/2023 with Transunion to remove information from my credit report that unknown and suspicious. The account shows inaccurate information and I can not confirm this is my account. When I asked for the account to be remove I receive no action and no response. The account shows a balance due and it is also reporting as a collection/charge-off. Since the account is inaccurate it must be removed because it can not be proven that it is my account with inaccurate information. Remove this account immediately. I also never received any notice that this matter was being investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Iam disputing the following accounts XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX DEPART EDU XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX. XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX DEPARTMENT OIF EDU XX/XX/XXXX XXXX. These accounts are fraudulent. were done by theft
Product: Credit reporting or other personal consumer reports

To whom it may concern, I wish to address the violation of my consumer rights through the dissemination of inaccurate information. Fair treatment by those in control is my right, and I request detailed information on their failure to uphold accuracy and compliance. Negative information, regardless of certification, is intolerable. I prioritize factual and truthful details concerning your company and the data related to my credit profile. The discrepancy in the credit report I received is surprising, as adherence to FCRA and relevant Metro 2 data field formatting standards is expected.

I challenge you to provide a verified, complete, and true document containing evidence for each claim. Failure to adhere to these standards, as outlined in the 2020 XXXX, jeopardizes data integrity, a critical matter. I urge you to remove any false accounts promptly to prevent future financial implications. My credit report is of utmost importance, and I insist on factual accuracy, verification, and compliance with regulations. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SS # ENDING IN XXXX
Product: Debt collection

LVNV Funding fi led a lawsuit  XXXX  requesting payment of {$5800.00} for a motorcycle that was repossessed in  XXXX . A settlement was agreed to in the amount of {$2500.00} and payment was paid in full on  XXXX / XXXX /  XXXX  .  LVNV Funding ha s not furnished any confirmation the settlement has been paid in full and still continues to report on  XXXX  and   XXXX   a delinquent account. This report has negatively affected my attempt to refinance my current mortgage.
Product: Mortgage

I have been trying to get my PMI cancelled for a couple months now. Over these couple months, I have called my mortgage company, NewRez, numerous times and have consistently received incorrect and inconsistent information. Their employees clearly aren't trained well enough to know the rules regarding PMI removal, as I received different information each time. They record all of their phone calls so there is evidence of this claim in their systems. I finally seemed to reach someone who knew what they were talking about, and we were able to get an appraisal scheduled by an appraiser chosen by NewRez. I was informed that that would cost me at least {$400.00}. 

The appraisal ( technically a " broker price opinion '' ) valued my property at {$750000.00} and was dated XX/XX/20. On that same date my principal balance was {$540000.00}. That put my loan-to-value at 73.2 %. My loan is in good standing. The loan is current, there has never been a late payment, and there are no subordinate liens on the property. On XX/XX/20 I still was charged for PMI, and have tried to contact the lender numerous times. Each time I was on hold for over 30 minutes before giving up or the call just automatically disconnecting. I did submit a written request again through their system, and I just received a letter today, dated XX/XX/20, telling me that I do not meet the requirements to cancel PMI. The letter did not give an explanation of why. They are going to now charge me for the appraisal and continue charging PMI, despite a 73 % LTV.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification of everything on my credit report and they said they did and stated that everything was accurate. But when I did my own investigation, I noticed that there where still a lot of improper inaccuracies on my report even after the did their investigation. For example, XXXX XXXX XXXX Account # XXXX which is a credit card account type. Has all kinds of inconsistencies where it is showing that it was opened with XXXX on XX/XX/2013 XXXX on XXXXand Equifax XX/XX/2013 I also could see that the last reported dates the last active and last payment dates were all inconsistent. 
In accordance with the fair credit reporting act XXXX Account # XXXX 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. it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Vehicle loan or lease

I lost my job and fell into default with my car loan i am a single mother and i really needed my car i asked to try and refinance to at least help me lower the payments the company said no i tried to make arrangements to settle the back payments i owed once i found a job again. Again the company said no. They wanted me to come up with all the money from the  3  payments i was behind. I was unable to so they repossessed my vehicle. Now they are calling me telling me i owe  XXXX  dollars to them.
Product: Mortgage

I am writing this complaint because I filed bankruptcy to stop a XX/XX/2019 sale date and SPS sent me a letter saying that I could apply for a loan modification this week. I sent in the request for a loan modification via email yesterday. Today I recieved a letter from XXXX XXXX stating that SPS has put my house back in foreclosure as of XX/XX/2019. SPS told me that they would not let me send in bank statements and check stubs for the modification. I plan to contact an attorney this week.
Product: Debt collection

I have a collection account on my credit reports from First Fed Credit Control that does not belong to me. The balance on this account is {$70.00}. The account was opened on XXXX-13.
Product: Credit reporting or other personal consumer reports

Subject : Remove of Fraudulent Account from XXXX  XXXX Dear TransUnion, I am writing to formally dispute a fraudulent account that has been reported on my credit report by XXXXXXXX XXXX. The account in question is a credit card that was opened on XX/XX/2018. This account was opened without my knowledge or authorization, and I am requesting that it be removed from my credit report immediately. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and under 15 U.S.C. 6802, I request that TransUnion take the necessary steps to investigate this matter and remove the fraudulent account from my credit report. Please find attached a copy of my identification and any other documentation that may assist you in verifying this claim. 

This matter is urgent, as this fraudulent account is negatively impacting my credit score and financial well-being. I would appreciate your prompt attention to this matter. Please confirm in writing that this account has been removed from my credit report. 

Thank you for your immediate attention to this matter. 

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

I have had issues with my credit report over the last year in regards to identity theft. I had credit freezes and fraud alerts placed on my credit reports. I recently removed these alerts and freezes a month ago. I received email notifications yesterday on XX/XX/year> that a person acceded my credit file to which I seen a 1 new inquire on my report from a company by the name of XXXX  ( finance ) it appears someone attempted to get a car loan using my personal information. I also see other inquires that I did not authorize it appears XXXX tried to get a credit card using my information on XX/XX/year> the company name is XXXX. I also see someone attempted to get a car loan on XX/XX/year> using my information in which 6 inquires were added to my report that I did not authorize. The companies in which the 6 inquires on that day originated from are XXXX XXXX XXXX XXXX Finance ) XX/XX/year> XXXX XXXX  ( Finance ) XX/XX/year> XXXX ( Finance ) XX/XX/year> XXXX  ( Bank ) XX/XX/year> XXXX  XXXX  ( Finance ) XX/XX/year> XXXX ( Finance ) XX/XX/year> I demand these inquires be removed due to the fact it wasnt me that inquired to these companies to receive goods and services XXXX
Product: Credit card or prepaid card

XX/XX/XXXX at XXXX I logged onto Comenity Banks website for my account with them to pay a " mysterious balance '' of {$2.00} due ; when on the previous months statement ( XXXX ) my balance was {$0.00}. I paid it and asked them because of budgetary issues to please close my account, report to the three credit bureaus that the Request to close was by The Consumer and was left in Good Standing. They've done none of which and have since continued to as well as have a Collection Company and themselves call me. Month after month they continue to send me billing statements showing late fees, accruing interest and balance due- I've called them each month disputing and asking how can I Owe Anything the account is Closed i get tge " run around ''. My Credit Score has gone from XXXX to XXXX. I've since written to them on XX/XX/XXXX to the XXXX and XXXX XXXX. I received a reply from Comenity Bank on XX/XX/XXXX, XXXX they'd received my complaint and are researching to allow 90 days- my credit score is doomed!! 

I've more recently wrote to on XX/XX/XXXX my XXXX XXXX XXXX. His office called me today advising me to contact this office. 

Please help me before what I've worked so hard for is destroyed by Comenity Banks dishonorable and unfair business practices. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2023 I cancelled my XXXXXXXX XXXX XXXX. I received notice on XX/XX/XXXX through XXXX that a collection has been added to my credit report in the amount of {$37.00}. I have never been notified of any amount due. I have the documentation of the cancellation. I have disputed the debt with XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/year> -- {$5700.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to rectify the situation, fraudulent items continue to be erroneously listed on my credit report. I am deeply concerned about the impact this is having on my financial standing and my ability to access credit when needed. I first became aware of these fraudulent items and promptly took action to report and dispute them. Since then, I have made multiple attempts to provide evidence of the fraudulent nature of these accounts, including police reports, identity theft affidavits, and correspondence with the relevant creditors confirming the fraudulent activity. Despite my diligent efforts, these items remain on my credit report, negatively impacting my credit score and financial stability. It is imperative that these fraudulent items be removed promptly to ensure the accuracy of my credit report. Kindly help me remove the following items : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$2000.00} XXXX  XXXX Balance Owed : {$590.00} XXXX XXXX XXXX Balance Owed : {$81.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX  XXXX Balance Owed : {$2000.00} XXXX  XXXX Balance Owed : {$590.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$14000.00XXXX 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 or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX & XXXX XXXX XXXX
Product: Debt collection

Had a balanced owed from XXXX. They said I never returned my XXXX TV receivers. I took it to a XXXX store and dropped it off and the individual there put it in a bin and sent me on my way. In XXXX of XXXX a mortgage lender ran my credit and everything was perfect. In XX/XX/XXXX he ran it again and there was a collection. It was added to my credit report on XXXX of XXXX. It made my credit score go down roughly 100 points at XXXX and roughly 150 points at XXXX. I was actually planning on using XXXX at this new home I purchase - may not now. I would have kept the service but I moved to an apartment that provided me with cable and tv for free. Never heard about this debt until the mortgage lender told me. Called the debt collector and they said they never tried to contact me, first point of contact was when I called them in XXXX of XXXX. Why did they not contact me the previous 4-5 months?!? XXXX should know I'm not gon na reply to written mail because I don't live there! I returned the equipment, what am I going to use it for? I do not have XXXX service and if I do get new service, from my recollection, the equipment is free! They said they sent me a check for {$70.00} as well that I never got so obviously I never got any notice that I owed {$520.00} dollars and that they never received the receivers from XXXX - again not my fault. The debt collector also has my name incorrect.