23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Background : - Checks for loan payoff were mailed on XX/XX/2023 - As of XX/XX/2023, Nelnet is not showing any and/or all payments- Confirmed with Title Company that funds were taken out on XX/XX/2023- This is for myself and my wife Check Numbers and the Amounts : Check XXXX U.S. Department of Education {$4400.00} Check XXXX U.S. Department of Education {$5600.00} Check XXXX U.S. Department of Education {$8900.00} Check XXXX U.S. Department of Education {$870.00} Check XXXX U.S. Department of Education {$1300.00} Check XXXX U.S. Department of Education {$1300.00} Check XXXX U.S. Department of Education {$1700.00} Check XXXX U.S. Department of Education {$2800.00} Check XXXX U.S. Department of Education {$3600.00} Check XXXX U.S. Department of Education {$3700.00} Check XXXX U.S. Department of Education {$3900.00} Check XXXX U.S. Department of Education {$4400.00} Order of Events : XX/XX/2023 : - XXXX - XXXX ID : XXXX on XX/XX/2023. On XX/XX/XXXX, XXXX mentioned despite the checks being cashed by Nelnet that they could not locate them and requested that we send evidence of check numbers and the amounts. 

XX/XX/2023 : - XXXX XXXX referenced above ). Was able to locate the checks and put in a request to have operational accounting allocate the checks to the accounts. Mentioned it would take XXXX XXXX days to show on the account despite Nelnet cashing the checks on XX/XX/2023. 

XX/XX/2023- XXXX mentioned there has been no updated on the account but showed the request in the system. 

XX/XX/2023 : - XXXX  ( Employee ID : XXXX ), mentioned she sees the request in the system but informs me to wait until the end of the day given it is the XXXX Business Day. XXXX Business day meaning it should be rectified on XX/XX/2023. 

I have called/emailed Nelnet  several XXXX and they are not addressing the issue efficiently and constantly come up with excuses. If Nelnet cashed the checks which already had account information, name etc, it should have shown in the account.
Product: Student loan

I have made numerous complaints to Navient about how they handle my payments. I have overpaid every time that I make a payment and request that the remainder of my payment be applied to the principal, but a representative from Navient has told me that they would not do that, and it would instead be put toward my next payment. I want to pay my loan off early and not pay all of the interest that it seems the company is trying to force me to pay by not applying the remainder to my principal like I have requested. This is an extremely unethical practice, and I believe that if it is not illegal, it should be.
Product: Mortgage

I paid off the balance on a Home Equity Loan and requested the account be left open. Bank of America closed the account and is now attempting to deduct a {$730.00} " Early Closure Fee '' from my checking account with them.
Product: Credit card or prepaid card

XXXX XXXX XXXX requested a credit limit increase on XX/XX/2018 and below attached will be the reasons for the denial in the letter provided by Discover stating " Past and or Present delinquent credit obligation as reported by agency bureau reports. '' Below also will be attached with the denial letter is a current copy of XXXX XXXX XXXX 's credit report that was reviewed on XX/XX/2018. This decision is incorrect and XXXX XXXX XXXX wishes to have a thorough investigation as to why he is being denied for a credit limit increase on reasons that do not accurately reflect his credit report. This information was forwarded and reviewed by XXXX XXXX in Discover 's executive office. He has failed to thoroughly examine and have this information reviewed and re-considered. There has never been past or present debt on XXXX XXXXXXXX XXXX  credit report belonging to him as you can witness and view in a copy of his most recent credit report by XXXX.
Product: Consumer Loan

1. I refinanced my auto loan from US Bank to XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX. XXXX submitted XXXX Bank a check for {$19000.00}. This payoff amount was quoted to me on XXXX/XXXX/XXXX. On XXXX XXXX, XXXX, I had notified US Bank about cancelling an extended warranty that was purchased from the XXXX dealership when I initially purchased the vehicle. I was told that the amount would be around {$3200.00} and it would be credited back to my loan with US Bank. A representative told me that it would take XXXX wks for processing. However, it took longer than expected. I even notified US Bank about this and their representative assured me that this would be taken care of in a timely manner. The lady told me it was n't necessary to submit the XXXX payment because the {$3200.00} cancellation of the extended warranty would be processed as my XXXX payment. I made several phone calls to US Bank inquiring about the status of the check submitted by the XXXX dealership. 
2. I would like for US Bank to take responsibility for this error on their part. They have reported a 30 day late payment on my credit report. This has caused a major inconvenience to me and my family. As a result, this has lowered my credit score XXXX points. I am requesting that US Bank remove this adverse action from my credit so my credit file can be restored. 
3. Not only did this error effect my credit score, I also discovered that US Bank had misquoted my payoff on XXXX XXXX, XXXX. According to their records, there was a stop payment issued on the initial check for cancelling the extended warranty. Unfortunately, another check was issued and I was given credit for XXXX cancellations in error. This definitely caused a major inconvenience with XXXX XXXX XXXX XXXX and myself. I had to make several visits to RFCU to resolve this matter, which resulted in me having to do additional financing to support my remaining payoff with US Bank. This caused me to get an extremely high interest rate on the new loan for {$3200.00}. And I have been charged excessive daily interest by US Bank because they were n't paid in full. This was their error and they should 've waived the interest charged to my loan. 
4. I have documentation of my XXXX Mercedes Benz C-Class vehicle being paid off by XXXX. The XXXX check submitted was {$19000.00} and the second check is being submitted in the amount of {$3200.00}. I have lost wages from work having to make all those visits to XXXX. US Bank has not taken responsibility for this major inconvenience. They only have admitted to misquoting my initial payoff in error. They have not agreed to offer me any type of consolation, nor have they offered an apology. They have been extremely unprofessional and have shifted the blame on me. 
5. After thorough investigation, I would like that XXXX, XXXX XXXX -day late payment to be removed from my credit file. 


Thank you in advance, XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

In XX/XX/2022 I applied for a credit card with Citizens bank after responding to a pre approved offer from them. 

On XX/XX/2022 I received a declined letter stating " UNABLE TO VERIFY INFORMATION PROVIDED ON CREDIT APPLICATION '' as the decline reason. 

I would like to note that the decline reason provided by the Citizens bank did not contain any factual information and referred to Citizens bank internal difficulties processing the information on my application. 

All information that was provided on my credit card application is 100 % verifiable and Citizens bank refusing to provide a proper factual reason for the application rejection indicates that Citizens bank is hiding the real reasons they would not approve for credit an application in my consumer class.
Product: Debt collection

I called this company after checking my credit to see what the debt was about and They told me it was from a time when I was on my sisters phone plan. The amount is for XXXX, but I never owed them any money and my sister claims that they worked out the debt on her end. I explained to them that it wasn't my debt as I was never attached as an authorized user and I never involved my social on the account. They said they would send me a packet to verify the information but they never did. Around XX/XX/XXXX they dropped the debt from my credit score, but then on XX/XX/XXXX, they reapplied back to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX  is reporting " delinquent '' to credit reporting agencies my promptly-paid mortgage and refuses to respond in any way to my requests for error correction.
Product: Checking or savings account

So when I got my statement in the mail I seen a bunch of charges from XXXX XXXX I dont use XXXX XXXX  nor do I have one I tryed to dispute the charger the denied it
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in recent light of CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

Regarding CFPB Complaint # XXXX The company has STILL failed to provide proof showing that the IP address belongs to a device at my residence!!! " The sales draft provides the IP address of XXXX which is linked to the location in which you reside. '' What sales draft??? " The enclosed document has been redacted to protect private information such as account and other confidential data. '' What document?!? All they've provided is the following!! " Enclosures : Sales draft Letter dated XX/XX/XXXX Merchant IP address confirmation '' Really?!?!?! And if they're referring to the sales draft that XXXX showed them.. Again -- Not sure how many times I have to bash this into their thick heads ... XXXX has had it out for me, as it is on record they have already lied to Chase and showed fake documentation regarding a seperate dispute from me, as well as Chase eventually permanently crediting my account because they realized they lied and showed fake documentation!!! And it was shortly before this dispute!!! It is also on record, that months before this fraudulent purchase, XXXX banned me from making future purchases, and flagged me in their system so that I nor anyone in my household could create an account!!! Aside from this, acknowledging the purchase on my account was fraudulent via the email they sent me, and agreeing with fake documentation from XXXX, this is completely unacceptable!!! And I am NOT having it!!!
Product: Credit card

Barclays Bank Delaware closed all my accounts without just reason. Indeed, they are allowed to close for no reason, under the cardmember agreement. However, credit card points accrued should not be forfeited without giving the customer ample time to redeem them.
Product: Checking or savings account

I was using my PayPal Account A year ago for my virtual training or coaching business then suddenly they limited it and never restored it again. I already provided my information and Identification Card but they still did not taken an action to it.
Product: Credit card or prepaid card

I opened this account in the store about 60 days ago. I never got the card or statement in the mail so after about a month I called. I was informed that they had my address wrong and were reversing the late fee and issuing me a new card. Several weeks have gone by and still nothing so I call again to find out that I still owe that late fee and they cant issue me a new card because I did not make a payment. I did make a payment the first time I called in so I would not rack up any more fees until I get my card or statement so I could set up my online access to my account. They told me again that they will reverse the fee and they will mail me a statement but they cant issue me a new card until a new billing cycle starts. I cant access my account, verify purchases or fees or make payment to pay off my card because I cant get a card but I cant get a card until I am charged more fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  : accounts,XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX has 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXX on XXXX and the account was charged off several years ago, the account has since shown up on my credit and the debt company is trying to recollect funds and showing this a charge off in XXXX. I have not had any contact, signed or borrowed anything from XXXX since at least XXXX at best guess making this account at least 17 years past charge off! This needs to be removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and came upon an alleged XXXX  XXXX Bankruptcy reporting on my consumer credit report. This is an error and LexisNexis has violated my federally protected privacy rights by reporting such false information on my consumer credit report. I have filed a notarized Affidavit with the United States Bankruptcy Court XXXX XXXX of Indiana notifying them of their potential violation of state and federal law by providing LexisNexis with my private court records. I received information back from the aforementioned Bankruptcy Court stating they do not report to or provide information to any credit reporting agencies. Pursuant to the Congressional Findings and Statement of Purpose of the Fair Credit Reporting Act, 15 U.S.C. 1681 ( a ) ( 4 ), Congress states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. I did not authorize or give anyone access to my private and confidential records, including the alleged BANKRUPTCY XXXX  XXXX DOCKET # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax complaint was received by XXXX XXXX from Equifax on XX/XX/XXXX. ( XXXX ) Equifax dated their response to my complaint as XX/XX/XXXX. ( XXXX ) The envelope that I received from them showed that it was mailed on XX/XX/XXXX. ( XXXX ) It appears as if Equifax engaged in mail fraud in order to make sure the negative items were not deleted within 30 days, as is required by the FCRA when there is no response within 30 days. When I originally sent out the complaint, I sent it out at the Post Office on XX/XX/XXXX ( XXXX ).
Product: Student loan

I took out a XXXXXXXX XXXX/navient loan for school in XXXX. They continuely for years pushed me towards forbearance until I was out and then struggled to keep up with payments. I then went into default about1.5 years ago and paid XXXX a month to try and come out of default but they never took me out of default. They continued to report on my credit as charge offs. Finally XX/XX/XXXX I agreed to settle. I asked for more time until XXXX, they said no and then I would owe the full balance. I had to borrow money to pay the loan. They then still continued for 2 months until XX/XX/XXXX to report as charge offs. XX/XX/XXXX is the date of the class action lawsuit that I am apart of and eligible for loan forgiveness of to when I would be refund as well. They pushed me to pay so I would not receive a refund of the forgiven debt. I now do not have access to my online navient account and when I call the number it doesn't work
Product: Checking or savings account

On XX/XX/year> between XXXX and XXXX I made a deposit at the Bank of America ATM XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX I inserted my ATM card, punched in my account number for deposit and deposited my money order of {$750.00}. After a few seconds the screen went Black. Then the screen lit in red writing saying ATM is out of service. I pressed the ATM a few times seeing if it will return my money order and it didn't. I then returned to my car which was a rental and called bank of america. The first person I talked to we lost contact. So I left to return the car since it was due to return. As I was leaving I noticed someone walking up to the atm machine with something in his hands. I didn't think anything about it because the atm was out of order. I got back to the atm and noticed it was working again. So I called bank of america and talked to a lady named XXXX. I explained to her what happened and she gave me a claim number. They contacted me and said they found nothing. I talked to someone and they told me that I was liable. I know atm machines have cameras. And I know you can't make a deposit with using an atm card. Another thing, there was a guy before me punching a lot of numbers on that atm I used. I think he was making multiple deposits. Then when I used the machine it broke down. And after I used it nobody else used it until I noticed that XXXX guy when I was leaving walk up to it with something in his hands. I don't even think bank of america checked the atm cameras because if they did they would have noticed that what I was telling them was true. I read that bank of america was getting investigated by CFPB and that's why I'm contacting your organization.
Product: Debt collection

XX/XX/XXXX Notification received from Debt collection agency named Bull city Financial Solutions , Inc Ref No : XXXX Payment asked from me XXXX for XXXX XXXX XXXX, Account No : XXXX Creditor/Utility company : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I provided my final XXXX statement as a proof that this property was sold on XXXX XXXX and there were NO pending payments for XXXX XXXX as that time as I had cleared all my past dues. 

I tried calling XXXX XXXX multiple times but they have no records of my account any more. I then asked Bull city to forward me a copy of the delinquent utility bill with details of usage and dates for the account number in question. However, till now they have only managed to send me a letter stating the same on XXXXXXXX XXXX letter pad. There is no evidence of me being delinquent that I have seen or convince myself with
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Attempted to secure loan for titled vehicle. 

RV. First called refused collateral. 

Denied outright a personal loan. 

Second call with executive office. 

Claimed had ran loan unsecured, needed collateral. 

Was already refused unsecured loan. Credit ran throughout process with incomplete information and without explicit consent.
Product: Debt collection

I have never done business with these people. With HPPA laws, if it was someone else that I may have owed, They can not share my information. This is not a debtg I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent : XXXX XXXX/XXXX- {$1300.00} XXXX XXXX XXXX- {$490.00} XXXX/ XXXX XXXX- XXXX XXXX XXXX {$18000.00} XXXX {$6900.00} XXXX XXXX {$2100.00} XXXX XXXX- {$4400.00} XXXX- {$1100.00} XXXX XXXX XXXX - {$550.00}
Product: Credit card or prepaid card

On XX/XX/XXXX a card was opened with ComenityCB/GoodsXXXX for {$3100.00}, I received the alert to my XXXX account and began to take proper measures to freeze my accounts. I am making this report and I will be making a police report and calling XXXX and XXXX to freeze as well. This account was not opened by me and it is fradulent.