23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Nelnet gave me the wrong payoff information for my student loan. The loan was overpaid by {$250.00}. They show that my loan was {$6600.00} and that I paid {$6900.00} and that gave me a {$0.00} balance. The payment cleared the bank. I called and they at first said I had a XXXX balance and that it wasn't overpaid. Then after being on hold for 45 minutes they finally decided they did owe me the difference and would send it out within 10-12 days. That did not happen. After the second phone call and being put on hold for 30 minutes they determined it would take 2-4 weeks to refund my overpayment. Now after the 3rd phone call and being on hold for 45 minutes I am being told it will take 6-8 weeks for a refund. I think this  is standard procedure hoping people will get tired and give up. The entire 10 years I have had this loan they have misapplied my payments and refused to correct any errors on their part. I have asked for an audit of my account multiple times and to date of never received it. Complete crooks!!!
Product: Credit reporting

There is an account that displays incorrect information due to identity theft. I submitted an Identity Theft Affidavit to have the information blocked and this has not happened and is negatively impacting my credit.
Product: Mortgage

My mortgage company started proceedings to change my flood insurance from a low risk zone to a high risk zone without my knowledge. 
We only learned of this when our insurance company contacted us on XX/XX/XXXX requesting an elevation certificate and other documents to process the change. 
We were not given any time to research the situation as the mortgage company continually harassed the insurance company to expedite this process. 
I had to find a surveyor and pay XXXX dollars to obtain the certificate meanwhile frantically trying to get information to counter this process. The whole subdivision is located in zone XXXX and no one could explain why our lot was in zone XXXX. 
After weeks of research and communication with FEMA, our Congressman, and XXXX County officials we were able to determine the subdivision was raised and filled to meet flood base standards when it was created in XXXX. Unfortunately the flood maps were created in XXXX. We obtained a copy of the revision from FEMA. We tried to give this information to the mortgage company but could not find anyone that was familiar with the situation. I had to contact my insurance company to obtain the name of the person responsible for initiating the change. I called several times and sent the revision letter but never received a reply. Finally after several days I was able to contact this person but was told, yes she received my information but they only go by the maps not revisions. I told her that was unacceptable and she reluctantly agreed to contact her supervisor about the matter. 
Less than an hour later she contacted me and my insurance agent. We were told the property could stay in zone XXXX for the time being but they might revisit the situation later. 
At this point the property had already been re-zoned to XXXX so I was required to submit more paperwork to get it back to zone XXXX. 
This was extremely stressful on me and my husband. We were told our insurance premium could go from XXXX dollars to thousands of dollars. Money we could not afford. We were looking at foreclosure as our only means of escape. 
Shouldnt companies notify their customers before initiating changes to their mortgage or insurance that protects the mortgage? Shouldnt customers be given adequate time to obtain documentation to prove their rights? If we had been aware of the situation we could have avoided the stress and monetary loss we encountered.
Product: Checking or savings account

I have two paychecks from two different companies that were due to deposit today. One of them usually comes a day, earlier. I have no funds from either in my account and can not pay any bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$600.00} ; XXXX XXXXXXXX Balance : {$390.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; 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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$620.00}, XXXX XXXX Balance : {$3900.00}
Product: Checking or savings account

On XX/XX/2023, I contacted Navy Federal Credit Union after receiving a notification that {$1900.00} had been transferred out of a joint account with my son. I was told that someone had compromised my sons account and submitted multiple fraud claims ( online ) for legitimate debit card transactions and as a result Navy Federal gave a temporary adjustment credit for {$1800.00}. So, not only did Navy Federal allow the fraudulent activity, they then allowed continued fraudulent activity when those funds plus the {$130.00} already in the account to be immediately transferred out to another Navy Federal member account. I told them that this was all fraudulent activity and asked why wouldnt they have flagged this as suspicious activity? The compromised accounts were closed and new accounts opened. My son set up a new username and password and we were told that we would have to call back once the transfer fraudulent activity hard posted to file a claim. Navy Federal then reversed the credit they gave in the original fraudulent act and made the account negative those amounts. We called in to ask why this was done and were told that we requested it. That is not true. We called to report that the activity they allowed was fraudulent and then the transfer was fraudulent. On XX/XX/2023 when the transfer hard posted, we called back to report the fraud. We were told the investigation could take up to 10 business days. The account was not provided a temporary credit pending the results of the investigation. At this point, Navy Federal allowed the original fraudulent activity for the crooks to receive enough money to steal, then reversed the credit after we reported that this was fraudulent activity. This made the account negative - {$1700.00}. On XX/XX/2023, Navy Federal removed {$1000.00} from my personal savings to this account, but still has not provided a temporary adjustment during the investigation and has not responded and it has now been longer than 10 business days. A total of {$3400.00} is owed by Navy Federal. {$1900.00} they allowed to be transferred out of the account and {$1000.00} that they stole from my personal savings account without my permission, and my sons XXXX  XXXX benefit received XX/XX/2023 in the amount of {$460.00}. As of today, XX/XX/2023, I have not received any communication from Navy Federal other than they had the right to transfer the money from my savings to my sons account because it was negative. They are the reason the account is negative and they are the reason its taken this long to resolve. The website states that a temporary credit is issued pending the results of an investigation when an account has been compromised and fraud reported. We did all the right things in reporting the fraudulent activity and are paying the price for Navy Federals lack of security measures.
Product: Debt collection

ATG Credit LLC original creditor : XXXX XXXX XXXX XXXX XXXX report date. amount reported as due and as a collection is {$4400.00} This is an unknown and unauthorized debt and possibly a result of identity theft. I have NEVER attended this University nor have i ever applied to this university. They can not and did not provide valid identity documents to show that I was the one responsible for this debt or attended this university. I always use FAFSA for my college goals and this is FRAUD. They refuse to investigate and remove this bogus and fraudulent account from my credit report and Name. Neither ATG Credit LLC nor XXXX XXXX XXXX can provide valid identity documentation for me to have enrolled attended in classes or that any classes were ever taken or participated in to have incurred this debt. This is incorrect and fraud and i do not own this debt that they are reporting as a collection on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called three times nothing been done but let it sit on my credit its only hard inquiry and soft that I didnt authorize. Great American finance XX/XX/XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX  XX/XX/2017 XXXX/XXXX  XX/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX XXXX of XXXX I opened a credit Builder loan through money lion financial institution. I opened the loan with an initial {$650.00} that was immediately taken out of my account I made my first payment of {$22.00} and they refunded me {$100.00}. The agreement was for every payment I made {$100.00} would be released. I defaulted on the loan but because it was prepaid there is a {$400.00} XXXX XXXX my account States the {$400.00} was put back into my bank account and on the financial page it reads XXXX payments were made of {$510.00} make a payment now however, they also submitted the loan to collection agencies and our demanding payment of {$110.00} stating the {$400.00} XXXX paid off the rest of the loan. When this loan was reported to the Credit Agencies my credit score was at XXXX within a month it dropped XXXX points. I have went round and round to no avail I also woke up one morning last month with a {$10000.00} balance in my Roar money account also known as my spending account {$50.00} on my credit account {$20.00} on my XXXX XXXX  account and 10 on my investment and crypto accounts I wasn't able to access the funds that day I figured they were processing however the following morning when I attempted to use some of the funds they were gone vanish. I called customer service and she said it must have been a glitch this makes me nervous because I had been waiting on some direct deposits and have yet to see any of them. It also appears they have an investment account a crypto account and a round off account that I am unable to access. I know there is money there because I have not made a deposit or an expenditure more than a XXXX XXXXXXXX in 3 months and the account would not remain open if that were not the case. I hope that you can help me in this matter I'll be looking forward to your email and I will be looking forward to cooperating fully. I have screenshots and photos of proof if and when you need them.
Product: Money transfer, virtual currency, or money service

I am writing to express some concerns I have regarding Zelle 's dispute process. Despite multiple attempts to report any issues experienced while using the platform, both my financial institution and Zelle have failed me in properly investigating any discrepancies i brought to their attention. I was told that recovery of lost funds was impossible and there was no way to accurately track where they were moved to. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users like myself vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

Complaint XXXX case number has been closed since the company provided a response. Complaint XXXX case number has been closed. The responses are in fact lies. To date, XX/XX/XXXX no access to digital data is available. I have made multiple calls, met with the branch manager of the XXXX location 2 times and have been told the data is still not available. I have filed multiple compIaints in which NFCU has not provided any details or resolution. I verified this again today by logging in and the digital data is not available. I was told by several members of the digital team that this is a wide known issue at NFCU and they are working to resolve. THIS IS NOT RESOLVED. I HAVE NO ACCESS TO MY DIGITAL DATA ORIGINALLY REQUESTED ON XX/XX/XXXX. I have attached screen shots of my digital pages, taken today, to show the data is not available. NFCU stated 90 days of data is available at a time which I have always complied with in gathering digital data. I attempted to download from XX/XX/XXXX - XX/XX/XXXX. As evidenced by the screenshots, " No transactions found. Try adjusting your filters or search term. '' I attempted to download data from XX/XX/XXXX - XX/XX/XXXX. As evidenced by the screenshots, " No transactions found. Try adjusting your filters or search term. '' NFCU continues to mislead all organizations, credit union members and business organizations by providing false narratives and blocking members from digital data. Please advise. 

This complaint will continue to be pursued since no resolution has been provided by NFCU to retrieve electronic transaction detail as requested on XX/XX/XXXX. Telling the members we are provided all details on a hardcopy statement is not a resolution in any manner. I will continue to pursue my electronic data until I am provided this information. Advise immediately
Product: Credit reporting or other personal consumer reports

I have sent multiple attempts via XXXX to Experian and XXXX to have XXXX accounts investigated on my account. 

The credit bureaus Experian and XXXX did not properly investigate the discrepancies, and nothing changed my profile. 

Account Name : XXXX XXXX XXXX XXXX Account Numbers : XXXX and XXXX Thank you, XXXX
Product: Money transfer, virtual currency, or money service

We have a property in XXXX and sold some furniture for XXXX Euros which I placed in my XXXX bank account at the XXXX XXXX. We then made a wire transfer order with my XXXX bank to wire XXXX Euros to my U.S. bank, XXXX XXXX XXXX XXXX. The wire transfer was made on XX/XX/XXXX via the correspondent bank, The Bank of New York Mellon. 
As of today XX/XX/XXXX the money has not been deposited to our U.S. Bank. My XXXX  bank has confirmed that the money is with NYB Mellon. I have tried to speak with the Wire Transfers Investigation Department at NYB Mellon, but they refuse to speak with me ; they will only speak to either my U.S. or XXXX bank. 
Both my U.S. bank and XXXX bank have called NYB Mellon and they report back to me only vague answers that the money has been received at NYB Mellon, but give no reason for not sending it on to my U.S. Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # 's XXXX, A credit card and Line of Credit has violated my rights. These accounts were past due since 2015 and has been 7 years which should be deleted. I have made multiple request that have caused damages to me personally. I have made numerous contacts with your company and no documentation with proof has been provided as to why they have not been removed.

15 U.S.C 1681 section 602 ( A ) States I have the right to privacy.

15 U.S.C 1681 section 604 section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

The recipient were selling event ticket on XXXX XXXX XXXX XXXX XXXX  ). I contacted them through direct message. She offered {$350.00} for a ticket and asked to split the payment into two using Zelle transfer. I noticed that the XXXX heading and recipient name did not match and asked for explanation and she said her friend bought the ticket originally and she's selling for them. 
She sent the screenshot of the ticket, so I sent first payment of {$200.00}. Then they require me to send remaining {$150.00} using the same payment method. I proceeded to transfer. After that, I asked for event ticket transfer via XXXX. However, they resisted to transfer the ticket and asked another {$150.00} for ticket transfer fee. As soon as I mentioned about them being suspicious and reporting this transaction as fraud, they stopped replying to me and they never transferred the ticket. 
I reported this to Zelle scammer report page that night and have not heard from them since. They should let me know what's going on at least and investigate further to locate that individual or group of scammer and retrieve money back for the victims. This is not their first time and there is at least one more victim other than me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many accounts, collections, & hard inquires on my account XXXX - XXXX XXXX XXXX- XXXX XXXX- XXXX There are also 14 hard inquires & 12 soft inquires that need to be removed In accordance with the Fair Credit Reporting act XXXX  These accounts have 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
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Equifax continues to report an erroneous address on my credit file. The address was removed and ADDED again as of XX/XX/2021. The address listed ends in XXXX XXXX XXXX I have never lived at this address! I have never been associated with this address! I have clearly mentioned in EVERY dispute I have sent this company that I only have ONE address and that this erroneous address DOES NOT belong to me.
Product: Credit card

I went on a Trip to XXXX on XX/XX/year> and purchase Traveler insurance from a company called XXXX that if I cancel my trip early, which I did, I can get my money back for the airplane ticket. But after arriving at home and try to contact XXXX to get my money back, they denied it. I tried to get my refund from XXXX but that did not get resolved because the purchase was done with my Bank of America credit card and had to contact them to get my money back from XXXX. After one year of this disbute with BfoA, they denied my claim saying that the claim is close due to expired date of the Claim but they have keep making mistakes on my dispute saying it was fraud and it wasn't. Need help resolving this issue. In addition, I filed a complaint about this on XXXX and the resolution specialist will leave a message but when I call back it will always go voice message they never answer the phone. This happen three times with Bank of America.
Product: Debt collection

Mendelson Law Firm has threatened to take legal action against me by filing a lawsuit for a debt I " allegedly '' owe a credit card debt. I have asked them to provide LEGAL and VALID proof of the debt. They have NOT provided me with proof that this debt belongs to me. In response to the first validation request, they presented a " Bill of Sale. " The printing of a Bill of Sale does not support adequate documentation or validation. I then requested actual and adequate validation of the debt. I have the legal right to request Validation under Fair Debt Collection Practices Act. They have NOT responded to my request with adequate proof. Not only have they failed to validate, but they have also continued to report this information WITHOUT proof to the Credit Reporting Agencies. Thit is not only Defamation of Character, but a clear VIOLATION of the FDPA, as well as the FDCPA. They have not provided me with any contract between their company and myself. They also have not provided me with a contract between me and the " creditor '' XXXX XXXX XXXX. Seeking payment from me, and requesting that I attend court for a debt that they " claim '' I owe is absurd.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted a letter to XXXX XXXX that I would like to make arrangements to settle the referenced matter. 
I asked them to provide me with a statement of the amount owing as of together with their assurance that they will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. On XX/XX/2020 I was provided with what was owed but not the what I asked for which was the the original instrument of indebtedness in its original form. 
On XX/XX/2020 I sent them a follow up letter where I stated It is apparent that you have overlooked or ignored my request to confirm that you would accept full payment of the alleged obligation from me in consideration of your delivery to me of the original instrument of indebtedness in its original form. 
Accordingly, unless I receive your written confirmation that you will accept payment from me in consideration of your delivery to me of the original instrument of indebtedness in its original form within 30 days I will conclude that they are either unable or unwilling to comply, and I will thereafter consider the matter between us to have been legally and financially settled. They never responded. I then sent this to all XXXX credit bureaus who all said the debt was " verified ''. They did not do any due diligence. These are being reported incorrectly and should be removed.
Product: Checking or savings account

The following " transfers to debit card '' were made on The XXXX XXXX 's PayPal account and these transfers were not authorized. I first reached out to PayPal on XX/XX/year> when the first withdrawal occurred ( see all unauthorized transfers attached ). I spoke with PayPal again on the following dates : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. PayPal states : We've completed our review of your unauthorized activity case, and weve determined there was no unauthorized use. 

You also previously appealed this case and it was denied. The appealed case ID is XXXX XXXX 

Based on our review, we found this transaction is consistent with your PayPal payment history. 

Based on our review, we found this transaction is consistent with your PayPal history. 

Unfortunately, this is not the case. I DID NOT authorize these transfers ( see attached ).