23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Due to the corona pandemic and being out of work and school, taking online classes, I reached out to Sallie Mae, my brother and I over the last several years have taken out many student loans from Sallie Mae. I am a sophomore in college and I have {$25000.00} in loans to SM. I called their customer service # a few weeks ago and asked if my interest could be stopped during the pandemic, I pay $ XXXX month just in interest and have no means to pay it as I am out of work now due to this crisis. My parents are struggling, they pay for the majority of my school and can't add this loan to their finances right now. I was told that Sallie Mae would not be making any exceptions, I think this is disgusting and will look into how I can transfer my loan and will never borrow from them again. They are one of the largest financial institutions for private student loans and are one of the few not participating to help students at this very  difficult time. I would like my interest credited for the month of XXXX and suspended until we are back to school and work.
Product: Credit reporting or other personal consumer reports

Reporting information as delinquent and negative. Reporting XXXX accounts as open and potentially negative when they have been discharged through bankruptcy.
Product: Mortgage

I filed bankruptcy years ago, case number  XXXX  and   XXXX   XXXX    XXXX   XXXX  COMPANY AS TRUSTEE FOR THE BENEFIT OF THE CERTIFICATE HOLDERS OF   XXXX   XXXX    XXXX  MORTGAGE PASS THROUGH CERTIFICATES SERIES  XXXX , intervened in the bankruptcy. I was informed that my mortgage and note was transferred into that trust, some years ago, if this is true I would like to know when it was transferred.   XXXX   XXXX    informed me that they have no interest in the property located at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Il  XXXX  and I am trying to determine if the Mortgage is in that trust or not because I keep getting contradicting info. I have sent sever al Debt Validation Letters and Qualified  Written Requests, which have gone unanswered. I would like the contact information for the Trustee. I am trying to get clear title
Product: Money transfer, virtual currency, or money service

To whom it may concern, It sounds like Chase may be in violation of the Electronic Funds Transfer Act ( EFTA ) 15 U.S.C. 1693 et seq. and its implementing Regulation E. By intending to initiate an electronic funds transfer from my bank account ( as defined by 15 U.S.C. 1693a ( 7 ) ), the transfer of {$1100.00} is a transaction subject to Regulation E and EFTA. See 12 C.F.R. 1005.3 ( b ). Chase obtained authorization from me for this transfer but did not comply with the requirements of Regulation E and EFTA. Specifically, Chase completed an electronic funds transfer that did not arrive in my receiving bank account ( XXXX XXXX XXXX ) due to a computational error made by Chase as a financial institution. 
This error was a result of me giving Chase accurate information, i.e., logging in to my XXXX online banking account through Chases transfer platform and giving Chase access to my XXXX credentials. Chases transfer platform allowed me to select an Account that Chase interpreted and extracted incorrect data from. I relied on Chase presenting me with the option to select this account, understanding that Chase would take necessary information to ensure that my transfer of {$1100.00} would end up in my XXXX account. If the XXXX savings account that I selected was not considered an ACH account by XXXX, Chases technology should not have allowed me to select it as an account or should have a technology process in place to deal with such scenario. I did not make any errors on your part e.g., typing in an incorrect account number. Further, after not receiving the funds and opening disputes ( see attached ) with Chase, Chase denied my claims and provided me with contact information to receive documentation as required by 12 C.F.R. 1005.9 or 1005.10 ( a ). After me as the consumer requested that documentation, Chase likely committed another violation of the EFTA and Regulation E by not providing documentation for additional information or clarification concerning an electronic funds transfer. 12 C.F.R. 1005.11 ( a ) ( 11 ) ; 12 C.F.R. 1005.11 ( c ) ( 1 ). 

I have requested, and failed to receive, any actual evidence or documents that Chase relied on in making its determination, instead i received attached documentation.
Product: Debt collection

XXXX XXXX has submitted to the collection company Hunter Warfield unauthorized charges for cleaning fees from apartment I lived in for 1-year until XX/XX/XXXX California Civil Code Section 1950.5 States : " The tenant is not responsible for damages resulting from normal wear and tear You can not charge cleaning fees for conditions caused by normal wear and tear during the tenancy or previous tenancies, or for cleaning a rental unit that is as clean as it was when you moved in. '' Civil Code Section 1950.5 ( b ), ( e ). The lease agreement states : That I agree to leave the premises clean and in the same  condition received, except for ordinary wear and tear. I left the premises in better condition then I received ( included are photos of the dirty apartment when I moved in ). According to the lease, California Civil Code and California Tenant Rights : when I provided my 30-day notice I 'm entitled to an " initial inspection '' that requires a list of proposed deductions beyond normal wear and tear. This inspection was scheduled on XX/XX/XXXX to be held on XX/XX/XXXX from XXXX and no one showed up. I have phone records showing I called and talk to manager XXXX XXXX and she never got back to me, and no one showed up for my scheduled initial inspection. Under California Tenants ' Rights, the initial inspection shall provide itemized statement of intended deductions beyond normal wear and tear. The cleaning fees that XXXX XXXX is charging are from normal wear and tear, which under California Civil Code Section 1950.5 I 'm not responsible for because I left the apartment in better condition and received my full  deposit back. They have no documentation, stating that the cleaning fees are from beyond normal wear and tear because they never showed up to the agreed initial inspection providing me with the proposed deductions and the opportunity to fix any identified deficiencies beyond normal wear and tear. The only documentation is the " Move-In Checklist ''. This Move-In Checklist states the Move-In Condition of the apartment with marks/notes which I signedXX/XX/XXXX. This checklist does not have any marks/notes comments, estimated move-out changers under the Move-Out Condition section because nobody did the inspection. OnXX/XX/XXXX I sent a letter to Hunter Warfield disputing these claims by providing evidence and  asking them to validate the debt within the required 30-day period. Under the Fair Credit Reporting Act they are in violation by reporting these claims to the bureaus some 4-months later with no accurate validation required. After not receiving the validation. I contacted XXXX XXXX on XX/XX/XXXXno response so I called Hunter Warfield again on XXXX/XXXX/XXXX at XXXX pacific and talked to XXXX asking again for Validation they said " NO '' then a manager got on the phone and I asked him the same thing he said " NO '' then hung-up the phone. After failing to provide the Move-out Condition Checklist with estimated charges Hunter Warfield removed the collections account from XXXX  and XXXX but not XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate the immediate action done by the Credit Bureaus to remove some of the fraudulent accounts and information that have been reported on my Credit file. However, I noticed that there are still fraudulent accounts and information that are reporting on my Credit file. I have read that under the Fair Credit reporting Act section 605b, the Credit reporting Agencies are required to remove any accounts and information that resulted due to identity theft. However, the Credit Bureaus are still reporting the disputed accounts without properly verifying the disputed accounts. I am submitting this account to request the Credit Reporting Agencies to remove the disputed accounts and information that are still reporting on my XXXX XXXX. Please remove the following items : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX B XXXX XXXX  XXXX, MO XXXX XXXX  XXXX XXXX Owed : {$55000.00} XXXX & XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX {$1200.00} DP OF EDUC XXXX Balance Owed : {$4900.00} DP OF EDUC XXXX Balance Owed : {$2400.00} DP OF EDUC XXXX Balance Owed : {$3700.00} DP OF EDUC XXXX Balance Owed : {$7400.00} DP OF EDUC XXXX Balance Owed : {$3500.00} XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022
Product: Credit reporting or other personal consumer reports

XX/XX/year> Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Late Payments on My Credit Report From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Dear Equifax Representatives, I am writing to formally dispute the accuracy of certain late payments listed on my credit report. In accordance with 15 U.S.C. 1681c ( a ), under the Fair Credit Reporting Act ( FCRA ), I am requesting that these late payment entries be removed or corrected as they XXXX no longer be valid according to the law. 

Legal Basis : 15 U.S.C. 1681c ( a ) XXXX Limitations on XXXX of Certain Information According to the law : 15 U.S.C. 1681c ( a ) Information excluded from consumer report. 

( XXXX ) In general. A consumer reporting agency XXXX not make any consumer report containing any of the following information : ( A ) Accounts placed for collection or charged to profit and loss which antedate the report by more than XXXX years. 

( B ) Any other adverse item of information ( other than a judgment ) which antedates the report by more than XXXX years. 

This provision of the Fair Credit Reporting Act mandates that late payments and other negative information must be removed from a consumers credit report after XXXX years. Therefore, any late payments on my credit report that are older than this time period should no longer appear, and I respectfully request their removal. 

I have attached a copy of my identification and my credit report for your reference. Please confirm in writing the resolution of this dispute within the legally required timeframe. 

Thank you for your attention to this matter. I look forward to a prompt resolution in compliance with the law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

i had a balance after moving from an apartment complex, i paid the balance off six months later prior to moving to another apartment complex but for some reason this company is trying to collect on a debt that has already been paid to the original creditor
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the EXPERIAN and XXXX  Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$29000.00} XXXX XXXX XXXX Balance : {$5200.00}
Product: Payday loan, title loan, or personal loan

Dave advertised to pay {$40.00} to me and my friend if I used a referral link to create an account and take a loan. On XX/XX/XXXX I created an account using the link and took out a loan, Dave refused to honor the advertised promise. 

When I created the account I was told I would receive a months free trial, but I was billed on XX/XX/XXXX. 

In XXXX I requested my account be closed. On XX/XX/XXXX Dave charged membership fees to my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX Balance : {$9900.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022.
Product: Debt collection

Recently I was contacted by High Point Asset, Inc. and told that I had XXXX Pay Day loan debts that were out standing. My home address that High Point Asset, Inc. provided was incorrect, but they did have the correct bank account information. High Point Asset, Inc. would not provide me with any information pertaining t o the creditor/creditors that I supposedly owe. High Point made me agree to a payment schedule where they will be taking money out of my bank account starting on XXXX/XXXX/2015 each month until XXXX XXXX, 2015.
Product: Credit reporting or other personal consumer reports

I have ask TransUnion to correct this issue reporting XXXX XXXX transferred ; collection .this account was paid on time every month with a zero balance also state paid monthly.all payment was made on time you can see that they reporting it as if it was a collection account. Correct the issue all payment are current also remove those derogatory remarks. report this account all payment a current.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/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 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 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 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 XXXX XXXX XXXX
Product: Credit card or prepaid card

Capital One has not addressed any of the issues that were placed in the complaint. 

This issue did not start in XX/XX/2020 ; it started in XX/XX/2020. A letter was sent to an address where I did not live but was not made aware of it until I called Capital One later. I was told by one of the reps that my payment was supposed to be a certain amount and I paid the amount requested but then later was advised I was supposed to pay the amount in the letter that I never received. The account was restricted then and I was told that even if I pay it off, I won't have access. 
The payments that Capital One claimed were returned were associated with a card placed online and were locked at the time of the payments. Capital One turns the autopayment on the account when a payment was made over the phone. I explained this to Capital One reps several times and they were supposed to pull reports to verify but they haven't since XXXX. 

In closing, Capital One has not provided any explanation for the issues I outlined and then has the audacity to claim that payments were returned even when the online card is a Capital One debit card. None of these payments were returned for insufficient funds, it was returned because the card was locked. All of these returned payments were explained to the reps several times but Capital One still claims that these payments were returned due to my fault. I have never made an autopayment to Capital One since XX/XX/2020, but it was made manually. Please address my concerns.
Product: Checking or savings account

My checking account is on an XXXX hold per the bank. I have over XXXX that was direct deposited from my employer and I cant even have access to that. I have been told it would be resolved in 2 weeks and to call back every 24 hours which I have and nothing has been resolved.
Product: Consumer Loan

I bought furniture at XXXX XXXX XXXX on a 0 % loan that they offered me. Approximately {$1200.00} of furniture. I made timely payments. XXXX must affiliate with Wells Fargo, because my statements come with Wells on it. My statement I just received has a " previous balance of {$810.00} '' and charges me {$360.00} of interest. Now my balance is {$1100.00} at 27.99 % interest. I called Wells and spoke to a supervisor. The supervisor made a concession of a 25 % discount. I paid what she requested in entirety just now in order to get this 25 % discount via my bank routing number ( I paid her {$1000.00} ). The supervisor tells me that had I paid the {$810.00} just 7 days ago ( by XXXX XXXX ) that I would have saved the interest charge. This seems shady to me that my statement has never clarified when the 0 % was ending, what the interest rate would be raised to. Also, I question why the interest charge is XXXX instead of XXXX ( which is 27.99 % of XXXX ). I am frustrated and feel as though I have been " had ''. I qualified for the 0 % due to my good credit rating. I have never bought furniture on credit in my life. I am middle aged and this was a gift for my adult daughter. I feel as though the affiliation between XXXX and Wells is questionable as well. I remember that I " qualified for a ' {$9100.00} ' credit limit '' and then the " account '' was immediately closed ... not that I was going to buy more furniture. So it is just very strange. Can you help me in any way? I want to complain to Wells Fargo and to XXXX in regard to this shady practice in hopes that it will not happen to others. A side note : the supervisor at XXXX made me pay this amount ( the XXXX ... today, right now ... or else I would not " qualify '' for the 25 % discount ). Not fair when this payment is not even due until XXXX/XXXX/16. Thank you for your help.
Product: Mortgage

I closed with XXXX on XX/XX/XXXX. On XXXX they sold account to shellpoint and sent funds to shellpoint to close account on XXXX with an escrow of {$2300.00} due me. Shellpoint lost the funds and didnt locate until XX/XX/XXXX. They stated they will send over payment of escrow XXXX  days after they found the funds not from the day they received funds on XXXX which is not right since theyve had the money since XXXX
Product: Credit card

On XX/XX/XXXX, XXXX XXXX out of XXXX  XXXX, XXXX took photographs of our department and individuals pre-paid for portraits and yearbooks. I purchased a yearbook on XX/XX/XXXX in the amount of {$52.00} that was charged to my Citi Visa card. 

I along with several others have contacted XXXX and they continue to change the date as to when we will receive the books. I filed a dispute with my credit card company and they said they would issue me the credit, but now state that the charge is more than 6 months old and they can not help. 

I called XXXX once again on XX/XX/XXXX and requested a refund. I was told that they would call me back by Wednesday, XX/XX/XXXX and I still have not heard from anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting I owe them a total amount of XXXX dollars. After numerous attempts to contact the agency and ask for debt verification and debt validation as well as a sign contract with this agency ( which they were unable to provide ) but instead sent a bill from XXXX. I have reached out to the credit agencies and I am not getting any responses to the discrepancies on my credit reports are reporting inaccurate information as I have never had an account or signed contract with this company. 

This account has come back verified but what actual proof did they verify because they still did not provide a contract I have specifically with this company. I reached out to this company over 30 days ago and have yet to receive a response from anyone.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Owed : {$1800.00} XXXX XXXX Balance Owed : {$2800.00} XXXX  XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$22000.00}