23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My student loan was transferred from Great Lakes to Nelnet during the pandemic. I set up my new Nelnet account and set up autopay months ago in advance of my first repayment of {$95.00} being due this month on XX/XX/2023. It is now XX/XX/2023 and Nelnet has marked my account as being past due, even though I've confirmed that autopay is set up and active AND I can see a payment to Nelnet of {$95.00} is being processed by my checking account with XXXX XXXX. How can Nelnet mark an autopay payment ( which is being paid on the date of the company 's choosing ) as past due? There is now a letter on file in my account stating that I'm past due this month, which is unacceptable. 

I tried to call Nelnet customer service to understand why my account is marked as past due, given all of the above, and wasn't able to get through to speak to anyone. The wait time was quoted as 15 minutes, then 20 minutes, then I waited on hold for 40 minutes before Nelnet ended the call. I wasn't able to speak with anyone -- the line went from hold music to dead. I called back and was told the wait time was now over 60 minutes. I scheduled a call back, and have yet to get a call back from Nelnet customer service. 

Furthermore, I can see that interest has been accruing on my account since XX/XX/2023 in excess of my monthly payment of {$95.00}, even though I applied for and was accepted in the SAVE repayment plan ( which is supposed to cap interest at your monthly payment amount ).
Product: Credit reporting or other personal consumer reports

dear sirs @ experian, reviewed my credit file and noticed unauthorized inquiries on my credit report.pls remove these inquiries, did not apply to them for credit! 
as follows : 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

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Inquiry that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2021
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IA XXXX Subject : Complaint Against Third-Party Debt Collector for Failure to Provide Original Contract To Whom It May Concern, I am submitting this complaint regarding a debt collection agency, PRO COLLECT INC that is attempting to collect a debt allegedly owed by me. However, this debt was previously owned by XXXX  and has since been sold to a third party. I have repeatedly requested the original contract or proof of my obligation to this debt, but PRO COLLECT has refused to provide this information. 

According to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ), a debt collector must provide verification of a debt upon request, including proof that I owe the debt and the details of the original agreement. Without this documentation, I can not verify the legitimacy of their claim or confirm whether the amount is accurate. 

Despite multiple requests sent XXXX XXXX - XXXX, Pro Collect Inc has failed to comply, which is a violation of my consumer rights. Their refusal to provide this essential information is not only unfair but also obstructs my ability to resolve this matter properly. 

I request that the CFPB investigate this matter and ensure that PRO COLLECT provides the legally required documentation or ceases collection efforts. Additionally, I would like this complaint to be recorded as part of their compliance record. 

Thank you for your time and assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Someone got into our XXXX account and transferred {$2000.00} ( 2 separate {$1000.00} ) Another {$2500.00} amount was stopped by the bank. 

Chase looked into it and 5 days later received a letter that said. That I did the XXXX via cell phone to myself to some random email address. We wanted proof of it and were told can not give that, would need a subpoena. 

Interesting thing is..my cell phone was not working ( could not get online ) Had to go to XXXX XXXX and have them fix it. ( After the last withdrawal. ) Please help us. That {$2000.00} was extremely important to us.
Product: Checking or savings account

during the month of XX/XX/XXXX i had XXXX XXXX  XXXX as my internet provider from the affordable connection program and they got there payment from them. on XX/XX/XXXX i return there modem to them and on XX/XX/XXXX i had XXXX as my internet provider. XX/XX/XXXX or XXXX XXXX i filled a claim against XXXX XXXX XXXX for unauthorized of {$34.00} from my checking account and my bank refunded me back into my account on XXXX XXXX XXXX {$34.00} from my claim on XXXX XXXX XXXX. then on XXXX XXXX XXXX the bank took back the {$34.00} and refunded XXXX XXXX XXXX. i requested to the bank proof that i sign a document for XXXX XXXX XXXX to take out fees for there service but at the time i had the affordable connection program during the month of XXXXXXXX XXXX  XXXX and i told my bank i have documents when i return the modem to XXXX XXXX XXXX and when i got service with XXXX from the affordable connection program. i talk to claims on XXXX XXXX about this problem and rejected me to show proof of the documents i had with XXXX XXXX XXXX internet. as of XXXX XXXX the bank still has not refunded my {$34.00} back into my account. the representative that i talk to on XXXX XXXX was rude to me and my wife and the supervisor on XXXX XXXX was very not helpful in the matter except all she did was listen to my complaint of the problem and did nothing.
Product: Student loan

When  XXXX   XXXX  let navient take over the loans..  XXXX  was navient and the other was navient/ dept of education..  XXXX  different loans both has the same account number. I send the payment to both at the same time every month. I pulled up my loan payment on both and see where one is paid on the day it should have but the other is held until a day later and the late fee is applied. This has happened multiple times and when I call it is difficult to explain which account I am calling about because they both have the same account number.
Product: Credit card or prepaid card

Good day!

I was trying to get a approval to buy a house and I received this report on my Experian credit bureaus that I was late on XXXX XXXX  for 60 days in XX/XX/XXXX and XX/XX/XXXX month XX/XX/XXXX, it is incorrect information I was always on time and never was late for 30 days or more I paidXX/XX/XXXX and XX/XX/XXXX bill, and here is a proved in attached file, please I wanted CFPB to help me to remove this delinquent from my Experian bureaus.
Product: Mortgage

I negotiated a HELOC loan with Suntrust Bank that my ex left me after divorce. I wired XXXX on XXXX XXXX, 2015. In agreement for the amount sent, I was to be released from the lien against my home. The letter for release never came nor was I able to close my home as a result. XXXX XXXX XXXX kept the XXXX and never released me. I have been in legal harm since his failure to cooperate with the title company to sell my home. I have called XXXX of times to multiple Suntrust departments but they have not been able to resolve the matter. I have incurred high legal fees and failed closings as a result of XXXX XXXX unprofessionalism of working with my title company and counsel to promptly resolve the matter.
Product: Checking or savings account

On XX/XX/XXXX and XXXX XXXX Credit Karma gave access to a hacker/stranger to my Credit Karma banking account. They let him change my phone number and other personal information linked to my bank account. They did not ask this person for any type of identity verification. Due to this the person transferred most of my funds out of my account. After this incident on XX/XX/XXXX, I called Credit Karma directly and spoke to a customer service rep named XXXX I tried to dispute the transactions that were fraudulent to which they said I could not do a dispute until the transactions went through and were settled. I explicitly asked to speak to a supervisor because I was a victim of identity theft and wanted for those transactions to not be approved and to close my account and have a new one opened for my identity protection and per my identity theft recovery, their response was to disconnect the call and not take my call again for the day. ( they verify who you are through your phone number ) Once the transaction settled on XX/XX/2024 I called Credit Karma and spoke to a CSR XXXX, and I was able to dispute the fraudulent transactions. I was also able to let him know I had changed the email on my account because the hacker/stranger knew that my account was connected to such email. I also requested for my account to be closed and be given a new one, he gave me a timeline of 48-72 hours till today they have not communicated with me and have not provided any information as to why my request can not be managed. What I do have to say is that this company is either providing personal information to someone and giving them access to consumer accounts, because when I found out that they had provided and changed personal information without first verifying any of the information for example phone number and or home address I knew something was off, because every time I needed to do a change or talk to customer service they would send a code either to my phone or asked other private information. Not only that they took more than 72 hours to respond to any email, however they made all those changes within hours for this person.
Product: Debt collection

Portfolio Recovery Associates , LLC, has been calling me, non-stop, at minimum, five times a day since XX/XX/2023. They NEVER leave a message ( voice mail ). They also have tried using multiple phone numbers, sometimes trying to " spoof '' a local number to trick me into thinking the call is local.
Product: Money transfer, virtual currency, or money service

On Tuesday XX/XX/XXXX my wallet and phone were stolen. All of my cards, my IDs and cash was taken. I was going away with the XXXX XXXX till Sunday and had assumed that my wallet was in my truck and I had lost my phone while XXXX however, Sunday night I received a fraud alert from chase and realized that my wallet and phone were not just lost however stolen. I contacted chase and reported approximately XXXX dollars of fraud through both atm and cashapp withdrawals had taken place. I was assured that this would be taken care of and that I was covered for this incident, but both my claims were denied almost right away. After realizing that some parts of the claims were not accurate I called chase and re submitted my claims. I was again assured by a supervisor that all of this would be taken care of and not to worry. Both claims were denied again. I reached out and was informed that Chase does not cover any type of fraud that they can not recover the funds and to check online regulations. When researching these claims I found that this was not true due to regulation E of the federal resolution flow chart and that banks can not cover transactions where pins are entered correctly. This has completely fininacially destroyed my family and has quite literally taken food from my childrens mouths. If this is not resolved I will be reaching out to the attorney general and the news in hopes of getting this resolved as this is no way to treat a customer, service member, or any person.
Product: Checking or savings account

Hello, I open a bank of America checking account on XX/XX/22 via their ad email. Email advertised that I will get a {$300.00} bonus within 60 days after I meet the requirements. I met the requirements on XX/XX/22 I should get the bonus by XX/XX/22. But I don't. I called the bank, and they told me the promo isn't attached to my account. I need to wait 60 days for their decision. I clicked the link from their email to open the checking account, if the promo wasn't enrolled, that is their system issue. I have waited 107 days already. I can't wait 60 days more for the decision. Please help me with this issue. 
Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. The following personal information is incorrect Account Number : Former : XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Former : XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX PA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. The following personal information is incorrect Account Number : Employers XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following personal information is incorrect Account Number : Former : XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Former : XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Former : XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Mortgage

I closed on the house in XX/XX/XXXX XXXX The lender required an escrow account to be created. 
Closing disclosures shows {$1600.00} as an initial escrow payment at closing ( Exhibit XXXX ). This amount is also reflected on the first mortgage statement from NFM Lending ( Exhibit XXXX ). My first mortgage payment was due to NFM Lending and I paid it in full ( Exhibit XXXX ). The first mortgage payment to NFM Lending in the amount of {$2400.00} consisted of {$1900.00} for Principal & Interest, and {$490.00} for Escrow funds collected. Later my loan was sold to XXXXXXXX XXXX XXXX  XXXX XXXX XXXX and the 2nd mortgage was due to XXXX XXXX ( Exhibit XXXX XXXX. XXXX XXXX confirmed that only {$1600.00} was transferred to them by NFM Lending and they provided the statement ( Exhibits XXXX and XXXX ). 
I called NFM Lending and asked what happened to {$490.00} escrow funds that I remitted to them with the first payment. The first couple of agents said that NFM Lending transferred those funds to XXXX XXXX, which was a lie and as a matter of fact those agents were very rude and impatient. On XX/XX/2023 I called NFM Lending again and requested about {$490.00} funds that they took from me and did not transfer to my new loan servicer. XXXX, this is the name that the agent provided, said that NFM Lending used those funds to pay for my insurance and taxes for that property. When I requested the details which insurance ( insurance was paid by me in full from the closing funds ) and which taxes ( there are no taxes due for this property as of today, XXXX XXXX XXXX assessors page has XXXX amount ), all of a sudden she remembered ( no surprise ) and said that another colleague had the answer and that that another colleague one will call me next day ( she did not bother to clarify the phone number to call, just another lie ). By the way, XXXX was not helpful and friendly either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I really trying make monthly payments between me and them so I can get my credit back. And I already hired a lawyer but I dont really want waste my money on them I just want started from the bottom to pay my all my debt to XXXXl XXXX. I really need help with that. 
I believe in 2006 With the amount of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of multiple credit card fraud via a XXXX card. This fraud was timely reported to XXXX on multiples ocasions, to which they responded by just issuing a new credit card. 

Recently I noticed a XXXX point drop in my Credit Score and is due to a negative remark reported to Transunion by XXXX on one of these fraud accounts ( XXXX XXXX XXXX XXXX XXXX ) I contacted XXXX and they told me they can't do anything since they sold this account to XXXX XXXX collection company. 

I need XXXX to contact Transunion and remove this remark since it was a fraudulent purchase. 

I need XXXX XXXXXXXX to stop attempting to collect via phone a fraudulent account. They need to work based on accurate data. 

I need XXXX to send me a check with the {$120.00} credit I was debited from my account during the fraud.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I marked that are in accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All my accounts emails phone numbers along with my personal information have been compromised. this is urgent matter attention to all credit consumer local and national involving the following person me ... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX last four of my social XXXX only contact number i approve is to XXXX XXXX at the number XXXX this is the only person approved to be contacted in this matter.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX only said that the reporting of the item was accurate without any explanation and did not give me their method of verification or any documentation to back their claim.