23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I enrolled into XXXX XXXX XXXXXXXX back in XXXXXXXX XXXX I only attended for a total of XXXX  semesters. Over the years I have tried HUNDREDS of times to contact XXXX XXXX XXXXXXXX to find out how and why my loans amounted to over $ XXXX when I didnt even complete an entire year there. Worse, because of my age they told me the only option for me to enroll was by forcing my father to co-sign for me. I would leave voicemails, messages, complains and never once received a phone call, email or any sort of correspondence from them. 13 years later Im still getting harassed by Nelnet to pay even though the school shut down years ago. I filled out the paperwork to see if I could get the loan forgiven because apparently the school was a scam, but no matter what I did-I never received any follow up. Then when Nelnet over the student loan, they lied to me telling me getting all of the balances put together would make it more organized and I wouldnt continue to receive numerous letters in the mail with different balances because they would all be accumulated into one. I only agreed to it due to how they explained it would make it more paper-efficient and organized. I didnt understand or realize how much that would XXXXXXXX XXXX XXXX because when Ive asked for itemized statements, they tell me they dont have it and cant see it because theyre all combined and I need to reach out to the official school or the Department of Education . And since the school no longer exists, and even when they did they never called me back and they were out of state so I never got to talk to them again. And the Department of Education never answers or worse, if they ever did over the years they would tell me to talk to Nelnet because they dont have the loan or any information!!! Nelnet just loves to pawn you off to someone else, blatantly lie to you or just hang up on you!!!! For the last three years I have told them to leave my father alone and to remove him from my accounts and to STOP contacting him. To cease and desist because he has nothing to do with the loan. They consistently said he wasnt on it and they wouldnt email, call, send mail or anything to himyet they constantly do!!! When theyre on the phone with me they tell me I have one balance and nothing else. Then I bring up the mail he STILL gets even though theyre not supposed to talk to him and then they claim that balance is about someone else, not me. But then when my mom calls, they tell HER the balance is mine and they need to pay it!!!! Theyre liars. Theyre scamming and trying to get my parents to pay on a loan that doesnt exists but when I call they tell me its not true!!!
Product: Mortgage

This is regarding my previous case number : XXXX. 
Please refer to the attached letter from PNC I received yesterday. Honestly this harassment has to stop!!!!! PNC had agreed to closed the escrow account they forced on me the moment I applied for a loan modification. I rejected their dumbfound offer for a modification over the phone and in writing, during this time they told me the escrow would be removed once this escrow was up to date, which I paid XX/XX/XXXX. Aside from suing this company for harassment and discrimination can you please suggest any other step I should take?
Product: Student loan

My DOE loans were transferred to XXXXI then went to XXXX told me to go to XXXX... What is the relationship betweenXX/XX/XXXX & XXXX???
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( XXXX XXXX XXXX  XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

Account name XXXX Account number XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX XXXXccount number XXXX Account name XXXX XXXX XXXX Account number XXXX
Product: Mortgage

We are unable to set up online payments as the account is 1 month behind. Talked to Wells Fargo on phone and set up payment, XX/XX/2023. On XX/XX/2023 they took out {$500.00} more than the agreed upon amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquires I dont recognize or did not authorize! 
XXXX XXXX XX/XX/2021. 
XXXX XXXX XXXX  XX/XX/2021. 
Regional Acceptance XX/XX/2021. 
XXXX XXXX XXXX XXXX XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, the XXXX student loans associated with my wifesXX/XX/XXXX education of which I am a consigner were purchased by XXXX XXXX XXXX. We immediately had issues with receiving the correct balance or amount due, nor could they ( XXXX ) explain why I was receiving late payments for loans not associated to my account number. This situation continued for the better part of 6 months when I finally was able to set up autopayments associated to the multiple accounts. Unfortunately, and what turned out to be unlawfully XXXX reported to the credit bureaus that I was late on payments an excessive number of times. I was never provided an answer as to why and was met with silence when asked for an explanation. 
Fast forward to XXXX of XXXX, the Covid crisis hits and my wife ( now a practicing XXXX ) is eligible for temporary deferment for the above-mentioned loans. We followed the proper procedure to defer and were assured by XXXX our account would remain in good standing. In XXXX, I receive yet another notification of 30 plus days non-payment for a second account number. Countless hours on the phone with XXXX determined that when the data was migrated to their system in XXXX of XXXX my social security number had been miss keyed by one digit on several of the loans, thus creating another me with a different social security number and a second loan number. XXXX representatives openly acknowledged their error and agreed that this was why I was inconsistent information each time I called. 
Following countless apologies and open admission of their error the issue was escalated to the XXXX collection team who were instructed to reverse the false entries in my credit report. They did not and refused to do so with no coherent explanation. Attached are detailed extemporaneous notes to capture in detail my years long interactions with XXXX. These notes clearly capture a level of incompetence and wanting negligence by XXXX that should be considered criminal.
Product: Prepaid card

In XX/XX/XXXX, I received a plastic American Express Prepaid Management gift card valued at {$75.00}. 
I stored it in a safe place at home. 

On XX/XX/XXXX, I checked the gift card 's status online at : XXXX XXXX XXXX XXXX XXXX I saw an unauthorized charge for {$65.00} that appeared to take place XX/XX/XXXX to XXXX XXXX. 

I called American Express Gift Card customer service ( XXXX ) to report the fraudulent use of the gift card. I noted that the card states it is replaceable if lost or stolen. 

A customer service agent said she could not do anything about the charge ; she referred me to XXXX. 

I asked her if she will report the fraud to authorities ; she said she would report it internally. 

I called XXXX ; a XXXX customer service agent said she could not find any record of the charge and referred me to XXXX to file a complaint. 

Neither American Express Prepaid Gift Card Management nor XXXX resolved my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of Education/XXXX  is still reporting about 119 delinquencies on my credit report. My student loans were paid in full by XX/XX/XXXX. I have sent countless letters, e-mails and made phone calls concerning the delinquencies still be reported despite all accounts being paid in full. They have reported duplicate accounts on my report and they refuse to rectify this issue. Equifax and XXXX  are still reporting 13 accounts as of XX/XX/XXXX. XXXX has a class action lawsuit for deceptive practices and consumer protection. Also under the Rescue Act, they are supposed to abide by certain provisions and they will not update the information on the reporting.
Product: Payday loan, title loan, personal loan, or advance loan

Tower Loan Of XXXX sent me information stating I owe {$3200.00}, then another letter {$2800.00} and another letter {$2900.00} How much do I really owe them?. When I tried to make payment arrangements, they wanted me to pay a ridiculous amount when I no longer had a job, plus I was recovering from both my knees being replaced. Tower Loan violated my rights by coming to my apartment and speaking to my property manager to gain my apartment number and left a note on my door which could have cost me to lose my apartment. I live in a senior community, coming to my home is not in the contract. They would call me several times a day leaving messages every day all day which is a violation Fair Debt Collection Practice Act. The law restricts the ways that a collector can contact you and how many times they can call leaving messages after message daily. They also would call from different numbers. Who does that? I even ask Tower Loan and sent a letter to Cease and Desist and only send me information by mail. They ignored that and violated my request and still continue to call me and leave messages every day. I would have tried to pay them once I started working but they violated me and the FDCPA law.
Product: Checking or savings account

I am submitting a complaint with the CFPB related to Capital One 's failure to deposit my direct deposit from my employer and other incoming deposits. Capital One has cited an issues that is related to the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to my funds. I have contacted the company 3 times and was disconnected every time when calling the company.

This raises concerns related to consumer protection laws and deposit / access to funds in a timely manner, as I was due to receive the deposit THURSDAY XX/XX/scrub>/2025. 
I am requesting assistance in investigating this matter to ensure my funds are available as required by law. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXXXXXX Balance Owed : {$110.00}.
Product: Debt collection

On XX/XX/XXXX, Radius Global Solutions notified me of a debt it purchased and intended to collect. I responded by certified US Mail on XX/XX/XXXX, disputing the debt, requesting proof of its legality and validity, and demanding that it cease all collection efforts and other debt-related communications by phone, mail, and email. Radius did not respond to my dispute as required by law, and sent a request for payment by mail on XX/XX/XXXX.
Product: Mortgage

This is a follow-up to complaint, XXXX. It appears that not only did the company have a severe security breach but when I filed the first complaint they did not update my information from the complaint form and used an address that I have not lived at in almost 5 years, so they further caused harm to my personal security by sending personal information to an old address. I never knew that they had replied to my complaint because they did not send the information to my correct address that was provided in the complaint and there was no notification sent via email that they had replied. 
In their reply they say they have offered 2 years of credit monitoring. First off, they have not supplied the information on the credit monitoring and in this world of criminal activity 2 years is not enough time to supply credit monitoring. So they have lied to a Federal regulatory agency. If they sent it to my old address then that is yet another form of negligence on their part. They should supply a lifetime of credit monitoring. 
Second, they say they are required to keep the account information. That is true, but they are not required to keep former customer data on easily accessible servers like they did. I asked for a complete and full understanding of what was done and what was done to protect my information and they did not supply that. I would prefer not to have to sue to get this information. As I noted they say they have supplied credit monitoring but have not actually supplied this information to a correct address. 
Since my complaint went to them and I provided a correct address they should have updated their records and not be sending personal information to an old and incorrect address. They either received the mail back notifying them of the incorrect address or did not send it in a way that would get that information. Again complete negligence on the part of the company. I hereby request all information that they allegedly replied with in their response be sent to the correct address and they completely update their records and remove all old incorrect addresses so they can not make this mistake again. I shouldn't be required to live at XXXX address for a lifetime just in case a company is incompetent and allows bad actors to access my information. In fact there should be a far bigger penalty to any organization that is negligent with a customer 's information.
Product: Debt collection

In XXXX, I borrowed {$3000.00} from XXXX XXXX. I started paying, but then had financial hardship. My total balance owed is {$2500.00}. In XX/XX/2024, I was contacted by a collections agency called XXXX. I started paying them {$50.00} every two weeks so I could pay down my debt. A few months later I started receiving calls from XXXX XXXX. So I got suspicious and started wondering why am I paying XXXX and XXXX XXXX is calling me. I finally answered their call one day and the representative said they never sent my account to collections. I have been paying a collection agency that my account wasn't even sold to. This is fraud and extortion.
Product: Mortgage

In XXXX of XXXX I spoke with XXXX from Essex Mortgage and I set up what is called Timely Reward Program. With the program I would pay 75 % of what I owed and the 25 % of what I owed would be waivered if I completed the program ( I owed roughly {$1500.00} at that time ). I paid {$1200.00} for the program and another {$100.00} for a late fee and XXXX payment. The program was a clean slate and it would start in XXXX and my payment was {$74.00}. I didn't receive the paperwork to until XXXX. I signed and emailed back XXXX XXXX. My statement never reflected the program like my first mortgage, which was also on the same program. I repeatedly called to fix the error, but I was told that either program didn't exist or I wasn't setup for the program. In XXXX I paid {$760.00} because Essex said I was delinquent. I looked at the customer portal and Essex took my payments for XXXX and move the payments to XXXX. None of my payments should have gone to XXXX if under the program. The program was never set up by XXXX for second mortgage. In XXXX I called to make a payment on my first mortgage but wanted to ask about my second mortgage. The man I spoke was extremely rude, talked over and stated that I was set up for the program for my second and he had read XXXX notes and that my house would go into foreclosure because second mortgage was delinquent. I asked to speak to someone else and said no and if spoke to someone else that I would told the same thing. I also spoke to XXXX in XXXX and she stated that everyone didn't know about the program or was not trained on the program. I received a letter from Essex stating that my second mortgage was being transferred to XXXX XXXX XXXX. I called XXXX at XXXX and stated that XXXX transferred my second mortgage be it severely delinquent and I had to pay the principal ( {$5600.00} ) in 30 days or Apex would foreclose on my house, but according XXXX I was only late on two payment. I spoke to XXXX as well and he tried to convince my that I was set up on the program. Keep in mind no matter who I spoke with at Essex that program didn't exist or I was setup on the program. I paid for a program that was never setup and my payments for XXXX went towards XXXX. And when I spoke to anyone at Essex they never saw the email I sent XXXX that I signed for the program, I sent the original to customer care and XXXX in XXXX. I also received an email stating that I was current on my second mortgage. I could lose my home because no one wanted to listen and an error that could have been corrected. The people at Essex couldn't help me if they didn't know about the program.
Product: Credit reporting or other personal consumer reports

. I am writing to bring to your attention a matter concerning inaccuracies in my credit report, specifically related to outdated personal information, including my name, address, and employment details. Also XXXX XXXXXXXX bureaus is reporting different information and accounts with different amounts and collections. I believe that this issue may be in violation of the Fair Credit Reporting Act ( FCRA ), and I am seeking your assistance to rectify it. 

Upon reviewing my credit report provided by XXXX I discovered that the following inaccurate information is listed : 1. **Name : ** The report contains an old version of my name, which I legally changed on XX/XX/XXXX. The report should reflect my current legal name : 2. **Address : ** The report lists previous addresses where I have not resided for over 20 years.

3. **Employment : ** old employers are reporting along with current employer. My employment history is essential for my creditworthiness, and having outdated employment details can significantly impact my credit profile. 

4. **Old accounts that have been disputed and have not been validated These inaccuracies not only misrepresent my personal information but may also lead to potential issues with credit applications, insurance rates, and other financial matters. I have contacted the credit reporting agency to dispute this information, following the procedures outlined in the FCRA ; however, I have not received a satisfactory resolution. 

Given the significance of this matter, I kindly request that the Consumer Financial Protection Bureau investigate the practices of the credit bureau in question regarding the reporting of outdated and inaccurate information. Furthermore, I would appreciate any guidance or support you could provide in resolving this issue and ensuring that my credit report is updated to reflect my accurate information. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving these inaccuracies in my credit report.
Product: Credit card

I found out there was a {$7000.00} Citibank card in my name and now its over {$11000.00}, I made a claim and received a phone call and during that call I found out that my wife opened the card without my consent. I was told if she talks full responsibility for the card they will take it out of my and put it in her name. That was done and there still saying Im responsible because she purchased airline tickets and I received benefits from it. The tickets were purchased without my knowledge on the card. I found out on XXXX and the card was opened some time in XXXX. She has taken full responsibility for the card and theyre still denying the claim because they say I received benefits from it but I never knew anything about it. So how am I responsible even if I went through the steps they said I can take to clear my name.
Product: Debt collection

Southwest Credit Systems is reporting a debt that I know nothing of to the credit bureaus which is causing me damages due to the harmful listing. I disputed the account and is certain that they are in violation because the debt was never validated. They 're supposively trying to collect a debt that from XXXX XXXX. I never had XXXX XXXX. I live with my mother and she does n't have XXXX and never did. I will not pay for something I do n't owe. I will do my part to address the mistake and if necessary pursue other means to protect myself and my credit
Product: Debt collection

Account Number : XXXX I originally paid off the debt on XX/XX/XXXX, but it still appeared as a charge-off on my credit report in XX/XX/XXXX. In XX/XX/XXXX, I sent a letter to the company requesting an update to my credit report, asking that it accurately reflect the payment made and confirm that there was no delinquency as of XX/XX/XXXX. I requested a copy of the paid debt and the 1099-C form. 

On XX/XX/XXXX, I called to request the 1099-C form for the charged-off debt. I spoke with a representative named XXXX ( ID : XXXX ), who informed me that a 1099-C form had never been issued and that I would receive it within XXXX hours. 

When I did not receive the form, I followed up on XX/XX/XXXX. I spoke with Keyshaw ( ID : XXXX ), who confirmed that the request was on record but that no 1099-C form had been issued and no correction had been made to the reported debt. This is causing inaccurate reporting on my credit report, as the debt was paid off in XX/XX/XXXX, and there should not have been a balance reported in XX/XX/XXXX and I still am waiting since XXXX of XXXX for the 1099-c form.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keep posting incorrect details in my account for the past 1 year, i do not have any accounts in derogatory status in other bureaus but it still shows my account in derogatory, account with negative information is 6 but when i see each report there are none as all accounts are paid or closed
Product: Credit reporting or other personal consumer reports

XXXX Account Number - XXXX Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Vehicle loan or lease

I have contact Flagship Credit Acceptance numerous times over the past two year trying to get them to remove their account off of all three credit bureau 's. My car was totaled during hurricane IRMA and insurance paid them over {$9000.00}, leaving a balance around {$5000.00}. After insurance payment, I talked with someone after I made another payment of {$310.00} and they talked me into paying another {$2100.00} leaving me a balance of {$2600.00}. They told be they would write this off and I would be in good standings with them. They did not tell me that this would cause a negative remark on all the credit bureau 's. If I would have know this I would have continued to make my monthly payments until it was paid in full. They even sent me a refund check on XX/XX/2019 for {$16.00} for some reason.