23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I attempted to make a payment on my loans. 6 days later, I received a notification that my payment was not processed, with no further information. Since my payment failed, I collected interest on the loans that I was attempting to pay off. Therefore, I lost money despite attempting to pay it off. I called my bank and they said no attempt to retrieve the money was ever made. I called Nelnet and was put on hold before being disconnected. The servicer is clearly not adequately prepared to help borrowers
Product: Mortgage

Thank you in advance for your valued feedback and assistance. I acquired a home inXX/XX/XXXX in the XXXX XXXX  XXXX and the State of Florida. This was a suggested loan based on loan originator conversations and meetings regarding several properties. After residing in the home for eight months it was determined the home was far too aged for a family structure of mines at the time and one that demands technology connectivity to operate in distance working, school, and other research assignments. The mortgage was sold and transferred to another Loan Servicer while I officially changed my name, experienced family causalities, and was hit with three named hurricanes and tropical depressions. Because of the conversations, natural disasters, and temporary loss in income. The home has declined into subpar living standards. It is a family home for my daughters where we have experienced discriminating rental rates that compensate the needs of management companies and owners that exempt themselves from evaluating, restoring, and maintaining a home. This has been one of the driving reasons why I have not placed the home on the open market. Many social security number holders have been impacted by predatory lending, commissions, and fees. XXXX holders are serviced with a different system of practices that leaves many questioning the real estate industry as a whole. I am a natural-born citizen and resident who strongly welcome all but feel I was sold into an income opportunity scale that is yet to be truly appraised based on the soil, growth potential, and wind conditions that bury people prematurely. I don't want to lose ownership of the property line, land and without communication from the new loan servicer, I feel I am being guided to add this debt to the treasury for cancellation and clear deed and title ownership to my name. Novad Management Consulting OKLAHOMA OFFICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX
Product: Payday loan, title loan, personal loan, or advance loan

My identification was stolen back in XX/XX/XXXX XXXX asking for your help in getting my life back after my purse was stolen. 

Experian : XXXX XXXX XXXX ALSO KNOWN AS XXXX GENERATIONAL IDENTIFIER YEAR OF BIRTH XXXX ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX DHL SUPPL CHAIN PERSONAL STATEMENTS XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX.
Product: Credit card or prepaid card

I received document in # XXXX stating I did not provide the info requested (? ) and purcahse adjustment {$30.00} was reversed. I VEHEMENTLY DISAGREE! 

PLEASE explain what other info needed I paid and sent ticket receipt previously XXXX XXXX XXXX XXXX XXXX Seat XXXX XXXX baht  = ( {$30.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX baht Due to aircraft change they gave me a last resort seat and I had to visit XXXX XXXX XXXX XXXX in XXXX to physcially in person agree to seat XXXX, Agent told me XXXX XXXX process refund of {$30.00} after, many weeks and several unanswered e mails without a credit {$30.00} I went to cfpb because Capital has no email that I could use to contact Tell me what specific info do you still need to continue
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX 2017 I received an email from XXXX alerting me that equifax had a data breach. They suggested I lock my XXXX credit file, but this requires signing up for a $ XXXX/mo ( {$5.00} first month ) premium account which I 'm not interested in. 

They also suggested ( via a link ) that I create a 90-day fraud alert, but their systems did n't allow to do this immediately. They required that I physically mail them which is not possible as I 'm traveling without my social security card ( copy required for identification ).
Product: Mortgage

Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). We have been advised that the loan is no being approved due to the income being submitted showing the ability to afford. the client 's income is XXXX Lender has failed to consider the change of circumstances and the clients now ability to pay. The current payment of the loan is roughly XXXX the expenses are XXXX Due to the client 's change of circumstance and dependents. We feel the review was not handled properly and not all factors were considered.
Product: Credit card or prepaid card

On two occasions my ability to use Capital One Cabela 's Black Card was stopped for late payment. On the first occasion I received my bill on XX/XX/XXXX ; paid the bill in full on XX/XX/XXXX and mailed it the same day. The bill was due XX/XX/XXXX. My card was blocked access on XX/XX/XXXX. 

The second occasion my bill was due on XX/XX/XXXX. I was blocked from using the card due to late payment. I received the bill on XX/XX/XXXX. 

When I called Capital One I was told that there were problems with the United States Postal Service and there was nothing they could do to activate the account. However, I could make a direct payment from my bank. 

It took lots of convincing to have them remove late fees and interest charges but they did so. 

Capital One has a duty to insure the billing statement arrives by mail within a reasonable time to pay. Lack of their ability to fulfill this duty should not shift the burden upon the consumer. Charging fees and interest amounts to fraud.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/XXXX 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 XXXXXXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, XXXX and Experian operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX  XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I will like to file a complaint regarding Portfolio Recovery Associates, LLC., XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX, USA . XXXX XXXX XXXX XXXX in the matter that they are reported unverifiable debt, I 'm not aware of who and when this account was open. I have asked the company twice in writing to verify the debt however they have failed to do. I also asked them to stop reporting this debt to the XXXX major credit bureau. They are not practice good lawful business.
Product: Money transfer, virtual currency, or money service

I was instructed to pay a vendor at the request of what I later found out was an imposter. My cashiers check of {$3600.00} went to a Chase bank account XXXX routing XXXX XXXX XXXX. My bank and Chase seem to have no interest in pursuing this
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is the only credit bureau that shows a hard inquiry yon XX/XX/2019 from XXXX XXXX. After investigating with XXXX XXXX, no application was filed or account opened under my social security number. Equifax needs documentation from you to begin the removal process from my credit report. I suspect this to be an Equifax system error.
Product: Credit card or prepaid card

The credit card from Comenity BankXXXX was opened around XX/XX/2023 and a purchase was made for {$1600.00}. XXXX credit identity service contacted the bank on XX/XX/2023 and the bank closed the account. My remaining question is that about this same time, my social security number showed up at a different address than my address. The bogus address is XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CO XXXX. The credit card seems to be resolved, but I'm very concerned about my SSN having this new address.
Product: Checking or savings account

On XX/XX/2022 I accidentally XXXX the wrong number was trying to send {$250.00} to my son. I type the wrong XXXX it should have been XXXX. I have never XXXX money to XXXX area code and for Navy Federal to tell me its nothing they can do about it was crazy.
Product: Consumer Loan

this is an addition to a complaint I filed with you few days ago. Apathaker XXXX ( handling judgements against me ) has offered a written in stone proposal that I pay $ XXXX/mo for 24 months. I am a XXXXyo XXXX veteran on a fixed income and can not possibly meet this arrangement. I have an agreement to satisfy another judgement with the same attorney. I have been paying $ XXXX/mo. I recently learned that in spite of my arrangement this attorney plans to garnish my bank account. How can I honor the agreement if they plan to take my money????
Product: Mortgage

Wells Fargo Home Mortgage sent an Escrow Review Statement on XX/XX/XXXX. 
Under " New Payment '' category, it shows the previous payment through XX/XX/XXXX to be {$1300.00}. This is the amount I budget for each month. Under the new total payment, the amount is {$1.00}, XXXX. This number also shows to the right under " No action Required '' that starting XX/XX/XXXX that the new payment would be {$1400.00}. 
In a red box, it displays " Your escrow account has a shortage of {$650.00} '' I decided to pay the escrow amount because the difference would be about {$88.00} more per month. On XX/XX/XXXX, I payed the escrow shortage amount of {$650.00}. 

In all other banks I have ever encountered, once the shortage is paid, the payment remains the same. Everything I have researched read - If your bank determines that there will not be sufficient funds in your mortgage escrow account, it may raise your payment by the amount of the shortage. The bank may offer you the choice to repay the amount in one lump sum or spread the payments over a 12-month period. 
I paid their requested shortage of {$650.00} in one lump sum. 

After this " escrow shortage '' amount was paid, they said the payment will now be {$1300.00}. This amount is another {$33.00} over and above the {$88.00} per month I avoided by paying the escrow shortage of {$650.00}. 

Why did they not give me the correct amount of shortage to begin with? I do not want my mortgage payment to increase, and I don't understand how it is they can create a number beyond what they say was the shortage, especially after I paid the amount requested.
Product: Debt collection

Portfolio Recovery is attempting to collect a debt I supposedly owe from 2006. They have repeatedly called me, even when I asked not to. They tell me they do n't have to stop, even when I told them the Fair Debt Collection Practices Act prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from me. I told them to only contact me by letter, that further phone calls would be considered harassment. The first caller would never admit that they would stop. He also never gave a definite yes on a recorded line that they would cease phone communication. They dance around the legality and will hang up. These Portfolio Recovery people are XXXX. Preying on almost a XXXX year old debt that does n't affect a credit. I 've googled them and seen that they will not stop harassing people, even after letters. So I 'm filling all the things that I can, so this stops.
Product: Checking or savings account

XX/XX/2022 received a XXXX Debit Card from XXXX. I did not open an account with them. I did not solicit their services. I attempted to call the company : ( XXXX ) XXXX and got the automated call run around with no option to talk to a real person. They referred me to their customer service email. When I attempted to call the other numbers for that company I was asked by recorded message to input account number which I did not do because I did not open an account and do not want to trigger activation.
Product: Debt or credit management

I filed XXXX XXXX bankruptcy and the creditor was added. The creditor is now attempting to collect on a discharged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

ARS IS NOT BONDED IN TEXAS TO COLLECT DEBT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get XXXX XXXX to correct a payment error for years by contacting the credit bureaus to dispute the incorrect information. Finally I got an attorney to call XXXX XXXX and I got a letter from them, but it still isn't corrected. They need to fix my credit report immediately. I have never had any late payments on any of my accounts and for years I have suffered this error by paying higher rates and being denied credit that I should have qualified for. Please see that they fix this mistake quickly. Thank you.
Product: Debt collection

I don't recall having a contractual relationship with this collection company First Credit Services. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit card or prepaid card

Several of my accounts were suspended by this financial institution without any warning or notice.Therefore, I am unable to access any of my accounts to fix the issues since they said the accounts are being investigated. 

HSBC, the previous institution, was bought over by one XXXX XXXX.Never had an issue with the previous bank even though the accounts were open for several years. 

Then they closed my credit lines -since I am not able to access any of these accounts even though I never had any issues with fulfilling my obligations, with regards to my incremental payments. 

And to top it all off, they reported my account to the credit bureau as though I had missed a payment.This has adversely affected my XXXX XXXX, and as a result, my ability to borrow and use capital. 
I also suspect that they may have also sold my account information to debt collections. 
I had three main accounts with this institution-HSBC -Checking -Savings -Select Credit And the credit card account.
Product: Credit reporting or other personal consumer reports

Notice to Agent is notice to principal notice to principal is notice to agent. I am contacting you because I have found some inaccurate information on my credit report. This is a formal request that you rectify the unlawful " late '' reports on my Consumer Report and update them to " paid as agreed. '' I have recently obtained a copy of my consumer report and I am aware that you have provided inaccurate transactions that are prohibited by the Federal Credit Reporting Act 15 U.S.C 1681a ( XXXX ) ( XXXX ). Please take immediate action to correct this. [ XXXX ] Exclusions. Except as provided in paragraph ( XXXX ), the, consumer report does not include reports containing information solely as to transactions or expenses between the consumer and the person making the report illegal. Therefore, a consumer 's transactions between Consumer and Person are indeed EXCLUDED from the consumer report. FICO and/or any other risk score/ algorithm that you use to calculate a consumers credit score is NOT a factor when the consumers report is concerned. I did not initiate permission for these inaccurate, Late Payments '' to be added to my consumer report. Therefore, the reporting of transactions between the consumer and this institution is a violation of 15 USC 1681a. Please work diligently to address and rectify any inaccuracies in my consumer report. You have furnished excluded transaction information on the following accounts : XXXX XXXX XXXX XXXX The inaccurate furnishing of data has had a significant detrimental impact on my reputation, resulting in multiple credit denials. This substantial harm to my character can not be overlooked. As a result of this, I request the immediate rectification of all unlawfully provided late payment reports on my consumer report. Kindly update these accounts to reflect a status of " paid as agreed '' without delay. Please note that I am not seeking account verification, but rather a prompt update. As per FCRA 15 U.S.C Code 1681s2 Reporting information after notice and confirmation of errors- A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. After updating my Consumer Report please provide me with an updated report reflecting the changes. I am not requesting for Validation or Verification. This letter is certified mail and you are now on notice Thank you for your time
Product: Credit card or prepaid card

For at least one year (  XXXX     2016 )  Synchrony Bank  ( Walmart   MASTERCARD   )  has been charging me a fee for credit protection. I never applied, requested or authorized this. I called them and they offered to refund {$200.00} when they have charged a minimum of {$850.00} to my account. This is fraud as far as I am concerned.
Product: Credit reporting

All XXXX credit bureaus are reporting a bankruptcy tax lien on my credit file XXXX are showing on XXXX for XXXX different amounts under a bankruptcy that I attempted to filed in XX/XX/XXXX. I was not allowed to go under the protection due to owing back taxes. II have been working with the IRS to resolve my tax issues I want this removed from my credit report Due to never filing bankruptcy listed below are the account information for each bureaus XXXX XXXX {$20000.00} XXXX - XXXX XXXX {$20000.00} Experian XXXX Filing date XX/XX/XXXX in XXXX County Superior Court amount is {$16000.00} XXXX XXXX County Superior Court the court system which is report incorrect information is XXXX County Superior Court XXXX XXXX , GA XXXX phone number XXXX XXXX County Superior Court XXXX XXXX , GA XXXX XXXX I will be contacting both of the counties to get any Documents that they have to prove my claim
Product: Credit reporting, credit repair services, or other personal consumer reports

There are duplicate reports appearing on my credit report which indeed has an impact on my score. The reporting that has duplicates is XXXX that starts with XXXX. XXXX that starts with XXXX had been cancelled when the account opened years ago. XXXX that starts with XXXX still reported to the bureaus. XXXX that starts with XXXX does not answer their phones to settle this issue. EXPERIAN is the only bureau reporting XXXX that starts with XXXX and multiple upon multiple disputes have been ongoing with EXPERIAN trying to show their is many errors with this file. Please advise
Product: Credit reporting or other personal consumer reports

I am a victim ofXX/XX/XXXX of Debt XX/XX/XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a personal loan through SoFXXXX on XX/XX/XXXX. I was denied despite having a high credit score and providing income documentation. I called SoFi and the customer service representativesaid to submit additionaldocumentation. She said my credit wouldn't be checked again. 

I submitted additionaldocumentation. 

SoFi then checked my credit again on XX/XX/XXXX resulting in another hard inquiry on my credit report. 

I called the company to complain in XX/XX/XXXX and SoFi said it would remove the second inquiry. As of XX/XX/XXXX, SoFi has not removed the second hard inquiry.
Product: Checking or savings account

I opened a bank account with Citizens Bank in XX/XX/XXXX. I followed their public online offer of {$300.00} for opening a checking account by making ( 1 ) direct deposit of {$500.00} which I completed in XXXX. The pay-out according to their site should be by XX/XX/XXXX but I still haven't received it til this day. 

I've tried messaging them and calling but I can never get in-touch with someone to deal with it.
Product: Debt collection

I have repeatedly asked they discontinue to call my references and they continue to cal my daughter everyday I had XXXX and lost my job and unable to pay at this time. 
I know I owe this money but I cant pay this and keep a roof over my head