23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I did not receive the XXXX-month grace period, after talking with Nelnet, they counted my XXXX-month grace period in chunks during summer semesters that I was n't enrolled. I was under the impression that it was XXXX months after you GRADUATE, not during your summer breaks. I took classes during XXXX summer semesters, but not during every summer. By the time I was notified that my payment was overdue, I had thousands of dollars in interest that had accumulated the entire time I was in school. YEARS of interest while at the same time they were telling me I did n't need to make a payment because I was enrolled in college. It makes no sense. My loans are all broken up with letters of the alphabet, 2 As, 2 Bs, then letters C-G. I 've paid off C, but it cost me {$900.00} for a {$200.00} initial loan. Right now I 'm focusing on the higher interest loans, but after my payments so far, I owe XXXX on my Group D which was for XXXX. Ridiculous. I was getting a mortgage when I found out that my XXXX month grace period was over years ago, I called Nelnet, they had me mixed up with a different person. So they sent me an entire loan information package, all in XXXX, with student loans belonging to someone else. I called back, and they could n't tell me how much I owe, or how long the payments would go on for. 
Right now I 'm trying to pay them off as fast as I can, and I send extra every month. XXXX of my loan groups I do n't technically owe a payment on until XXXX of 2018. I pay every group. And then pay extra on certain accounts, and now I 'm sitting with an email from them saying I 'm {$5.00} short, and that {$5.00} payment is overdue. HOW? I do n't see it anywhere. I never pay less. It makes no sense. But it feels like they are just milking me for every dollar they can get. It 's ridiculous. 
I have a XXXX kids with a XXXX on the way, I was working while in school, the last thing on my mind was babysitting Nelnet when they made the terms of the loan very simple with the grace period and repayment arrangement. They are taking advantage of students, and I do n't think it 's right, fair, legal or just. 
I attended XXXX, as well as XXXX. 
Thanks-
Product: Credit reporting or other personal consumer reports

15 USC 1681 ( a ) ( 4 ) infringed upon a consumers right to Privacy. I received the letter with my dispute results from Experian, XXXX, and XXXX and I need to know WHY these inquiries are still remaining and they are claiming they have been verified. Thats impossible because these creditors are denying any record of a dispute from their company! I am maintaining a careful record of my communications with your Agency for the purpose of filing a complaint with your agency.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I am writing to formally dispute an issue with [ Name of Financial Institution ] regarding [ North American Recovery e.g., incorrect credit reporting, unauthorized charges, predatory lending, etc. ]. I have attempted to resolve this matter directly with the company but have not received a satisfactory resolution. 

XXXX
Product: Student loan

The CFPB has taken action against numerous banks and debt collection companies for collectors using the talkoff that making a past due payment will improve the debtor 's credit score when, as the Bureau alleges, banks and debt collectors do not know what drives the score and therefore it is a deceptive practice to use credit scores in the talkoff. 

Today, XX/X/2017, SoFi advertised student loan refinancing options by stating that those who refinance saw their scores improve by 17 points. How is that not also deceptive? If banks can not use it for debtors who contractually owe them money, then SoFi should not be allowed to deceive consumers either!
Product: Credit reporting or other personal consumer reports

Credit karma has violated my consumer rights on more than 30 times pulling my credit without my knowledge or consent and I have sent a notarized letter with my signature to cease and desist and to permanently opt out of any and all transactions and use of my personal information from their company this is a violation and I plan to sue them for damages in the amount of {$1000.00} for each violation! I want written notice sent to me from credit karma acknowledging this permanent opt out and payment sent directly to me in the form of certified payment immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is in violation of 15 U.S.C. 1681g. The information updated and modified is incorrect, inaccurate, and false. The XXXXXXXX XXXX XXXX XXXX account reporting on my credit report as Closed is incorrect, inaccurate, and false. Additionally, the impact of the Closed account as a Charge-off and Balance is reporting wrong credit utilization. The XXXXXXXX XXXX  XXXX XXXX account reporting on my credit report as Charge-off is further incorrect, inaccurate, and false. 

XXXX responded " Trade : XXXXXXXX XXXX XXXX  XXXX THIS ACCOUNT IS CURRENTLY REPORTING AS CLOSED. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THE PRIOR PAYING HISTORY ON THIS ACCOUNT HAS BEEN UPDATED. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE BALANCE IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : HIGH CREDIT, SCHEDULED PAYMENT, CLOSED DATE, HISTORICAL ACCOUNT INFORMATION, ACCOUNT HISTORY. '' I did not sign any such credit contract agreement with XXXX XXXX XXXXXXXX XXXX containing my full social security number and accurate signature where I granted permissible purpose for a credit application and to Open an account witXXXX XXXX XXXX XXXXXXXX XXXX that would be enforceable to Verify, Close, or Charge-off an account with a Balance in my name to be reported on my personal credit report. 

XXXXXXXX XXXX  XXXX XXXX has no right nor authority to transfer or sell this account to DNF ASSOCIATES LLC, to enforce payment from me, or to collect on a debt owed to XXXXXXXX XXXX  XXXX XXXX. DNF ASSOCIATES LLC fails to validate how debt is owed by me to XXXXXXXX XXXX XXXXXXXX XXXX in a contractual agreement that expressly identifies my full social security number and accurate signature. DNF ASSOCIATES LLC has no right to collect any debt for this account from XXXXXXXX XXXX  XXXX XXXX that was transferred or sold.
Product: Credit reporting or other personal consumer reports

I have had a XXXX account XXXX XXXX, for the most part I have had excellent payment history. I see I have late payments being reported on XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX of XXXX, and XX/XX/XXXX. I am unaware as to why these payments were reported late. I do not recall submitting the payments late. I am not blaming this is on XXXX, I simply do not recall what transpired for these late payments to occur. I am asking as a courtesy for all or some of the late payments to be reversed as pai as agreed. Or for at least the most recent late payments XX/XX/XXXX, XXXX and XX/XX/XXXX to be reversed as paid as agreed. 

The late payments are hurting my credit profile tremendously and is stopping me from getting the best possible interest for a new home. I spoke with the CRAs in hopes of getting help from there in regard to this issue. They stated the company has the ability to reverse late payments and they suggest I reach out to the company directly. I am asking as a courtesy and a as a customer with a decent payment history is there something that can be done. Thank You
Product: Checking or savings account

I recently filed the same complaint with XXXX. On XX/XX/2022, my family took a cruise through XXXX XXXX. We charged a photo package and a champagne/strawberry service for the amount of {$240.00}. After the cruise, we realized we did not receive any of the 3 photo packages purchased. From XXXX to XXXX, I contacted XXXX XXXX 22 times via phone and email to receive credit. When this was unsuccessful, I contacted Wells Fargo to dispute the charge. I asked for {$200.00} for credit. Instead of receiving this, Wells Fargo credited {$33.00} for the strawberries/champagne service. I did not dispute this service/charge as we received it. I was disputing the {$200.00} for the 3 photo packages not received. This complaint was # XXXX. I have since called Wells Fargo 3x. I spoke to XXXX, XXXX and now XXXX. XXXX actually filed a complaint on my behalf - # XXXX. I sent 2 emails regarding dispute to XXXX. I am frustrated that this simple transaction with all of the supporting evidence has been completely mishandled
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit scores and credit report is not allowing me to purchase a new construction home with my VA Benefits. 
XXXX, Transunion and XXXX  are reporting Negative Derogatory items that has been in Charge off XXXX loan and XXXX XXXX XXXX XXXX XXXX. 
Federal Complaints was filed against XXXX and XXXX. 
There is also Unauthorize inquiries on my credit report. 

I can not obtain a VA Loan with the Derogatory remarks on my credit report. 
I have been Discriminated and Retaliated because of filed complaints against financial institutions and Credit Reporting Agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received two hard inquiries on my Experian credit report on XX/XX/2020, from XXXX and from XXXX  XXXX XXXX. I did not authorize either of these inquiries. I called XXXX and XXXX  XXXX XXXX and they said that I would have to dispute the claim with Experian. I called Experian and was unable to reach resources that would allow me to file a dispute, and their website says that hard inquiries are not disputable through them and to contact the entities that performed the inquiry. I've now gone in circles and can not get any assistance from any of the companies involved. Experian has also said they are unable to freeze my credit report, meaning this may continue to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted many disputes due to errors on my credit report. The errors were invalid dates, incorrect amounts or two companies reporting the same debt even after it was sold. I have received notifications that the credit reporting agency ( experian ) fixed the error and updated the accounts or that they were correct. They still had incorrect information. I called the reporting agency and spoke to an agent who, after opening my file, said he can't speak to me about my file before handing up on me. I called back and spoke to another agent, who, after I explained the problem, also hung up. One example, XXXX XXXX, they claim was opened in 2015. It was not. Wrong dates!!!
Product: Mortgage

In XX/XX/XXXX I lost my job, my wife and I had called into Huntington to inquire about our options so we didnt lose our house. The representative had told us about deferring our payments to the end of our loan, it would NOT make our account look past due or be reported past due and our payments would be paid again starting XX/XX/XXXX by us. We agreed to the terms. Now a year later we have called Huntington because they reported my account as past due every single month the payments were being deferred. We were told by multiple agents that the Huntington employee who handled our deferrral misreported and needed to adjust it on our credit. They gave us her personal work number. We called multiple times daily for weeks leaving voicemail after voicemail. She never once responded. So finally we signed up for XXXXXXXX XXXX Had a meeting with them and figured wed let them handle it. She finally sent us a letter in the mail saying shed adjust it. But she only adjusted ONE month!! She never adjusted XXXX. Weve tried reaching out to her again multiple times. She still will not return any contact to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX : XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Per the credit reporting, it states XXXX  account type as derogatory, XXXX   account status as paid, and Equifax account status as paid, which you are reporting different information between agencies, which makes this account invalid, delete per violation. Secondly, XXXX  reporting payment status as collection/charge off, XXXX  payment status reporting current, and Equifax payment status as current, you are reporting different information, which makes this account invalid, delete per violation. Per reporting, you claim this account was paid, by who? what payment type? and where is the original copy of the payment? Please note, do not submit copies of credit card statements or payment history as proof, which is not valid proof and will not hold up in court. 

Per violation, you are reporting different account status and payment status between credit agencies, which is hurting my financial situation and causing me pain and suffering. As a result, I will seek legal action for defamation and according to your reporting, it stats the debt is still showing unpaid, which has hurt my financial situation., which as caused denial for of current and future funding. In addition, if the account was paid, then you have no legal right to still collect on this account. 

Please note, I have enclosed a screenshot of my current credit report as proof. Please review.
Product: Debt collection

Portfolio Recovery Associates LLC ( PRA ) has been reporting false information to credit bureaus to damage my credit. They have {$33.00} listed in Payment History on my credit report. PRA claims the date they received this payment was on XX/XX/XXXX. I've shown this in an attachment titled XXXX dispute results, XXXX. I've highlighted the date and amount on this page for your convenience. However, this is false and impossible. PRA only received one payment from me on XX/XX/XXXX for {$440.00}. This is also shown in the Payment History section of the attachment. 

For further proof, I also put forward the Request and Writ for Garnishment, '' which is dated XX/XX/XXXX. This was the initial judgment for garnishment on my income tax refund/credit. Within this attachment {$33.00} shown as a postjudgment cost. If this is the {$33.00} PRA is referring to in my credit report, they could not have received this payment in XXXX as they claim. PRA would have received it in XXXX because thats when taxes were filed. I've provided validation of this with two more attachments titled Garnishment Disclosure and Notice of Income Tax Refund used for Debts. As you can see in both of these attachments, they were dated XX/XX/XXXX. 

In summary, PRA reported fabricated information to credit bureaus to damage my credit. This is unacceptable so I am filing this complaint in response to PRA violating the Fair Debt Collection Practices Act.
Product: Credit card

This is the email I wrote to XXXX : I am writing to formally request your assistance regarding unjustified charges applied to my recent car rental through XXXX, booked via XXXX. When I reserved the vehicle, the stated and agreed upon total was {$220.00}, a price confirmed as final. 

Upon arrival at the XXXX airport, the counter agent updated the total to {$310.00} after including toll charges, which already seemed excessively high.Despite my objections and suggestion to handle tolls directly, I was informed of an additional {$10.00} fee per toll if not processed through XXXX, prompting me to accept the toll charge of {$74.00}. However, this does not account for an unexplained surplus of {$20.00}, contradicting the agent 's assurance that no other fees would be added. 

Furthermore, upon exiting the rental facility, another agent presented a final charge of {$410.00} a stark and inexplicable increase from just moments before. This sequence of charges not only lacks transparency but suggests a deliberate overcharge. Such practices are not only unethical but potentially fraudulent. She was very rude and would not explain to us why the charge went up. 

Given these circumstances, I am compelled to dispute these charges through my credit card company unless a full refund of the unwarranted fees is processed promptly. I urge your immediate attention to this matter to avoid further escalation and to maintain customer trust and satisfaction. 

Please confirm the processing of my refund at your earliest convenience. Thank you for your prompt attention to this serious matter. 

I submitted to BOA as a fraud claim and they denied it saying I signed the receipt which is not true. I did not sign anything upon leaving the parking lot when the price was unjustly raised.
Product: Credit card

" Attends to both resolved and unresolved issues with the creditor, providing detailed records of dates, amounts, and actions taken by the company or individual. This includes FTC Identity Theft Report such as on XX/XX/year> when an amount of was paid or disputed. Efforts to resolve the outstanding issues are ongoing. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I'd like to report an improper use of my credit report by Nordstroms ( Visa managed by TD Bank ) - as they reported a late payment to my credit report In accordance with the fair credit reporting act Nordstroms Visa Account ( ending in XXXX ) has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Vehicle loan or lease

On XX/XX/2018, after 3 year lease, I returned my vehicle as instructed by the the bank and dealership where I leased from. The finance person at dealership stated that I have a " lease protection plan '' which I knew it. I returned the vehicle in good conditions and way under mileage, XXXX miles not driven. But on XX/XX/2018, the bank took possession of the car, subsequently sent me a bill of {$1500.00}. Stating that the has damages, excess wear and tear, etc ... This is outrageous and lack of moral. I have the report from the dealership the car has no damages, except for a minor scratch on the front bumper that won't exceed {$350.00}. Even though that I have a lease protection, still the want to collect more money. I told them that, I pay what I owe, NOT what I don't..Now they're threaten me with negative credit report. Please I need help to stop this institution committing fraud against me.
Product: Payday loan, title loan, or personal loan

As of XXXX/XXXX/XXXX I attempted to go into the facility and make my payment using the payment methods that the company offers representative stated there system is down I asked would any interest that occurs daily would be waived rep called corporate ask to waive any addl fees was told no needed to make payment,. I went back the next day which was XXXX/XXXX/XXXX to attempt to make another payment mind you not I do not use a cash method due to tracking purposes this is '' why '' the system was down again came in Monday XXXX/XXXX/XXXX again to make a payment she advised system was still down asked if she could please attempt to try to take my payment In which she did and the payment went through. Now here we are again my bill is due went in to make a payment XXXX/XXXX/XXXX system is down again and it will be down per XXXX for an estimated week and yet no addl interest will be waived. the interest is 179 % at this point I am exasperated with the companies failed attempts for customers to make their payments regardless of what method is used I do n't live in the area so to keep coming out of my way and attempting to make payments and still be charged interest because of there system issues is not sitting right with me as a consumer. Just as they have their payment methods that they accept as a business mind you not I have the right to have my methods and be able to make a payment without issues and being charged extra fees because of their errors.