23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My specific complaint here is that Nelnet did not make a reasonable investigation into my recent two complaints, and their response includes facially false information. 

NelNet 's letter dated XX/XX/XXXX confirms a servicing error when it states : " There were no payments made to your account from XX/XX/XXXX, until XX/XX/XXXX. '' This extra payment was an error that XXXX XXXX caused. In response to a CFPB complaint XXXX XXXX told me it could not fix the error because Nelnet was the servicer effective XX/XX/XXXX. In response to a CFPB complaint, NelNet states : " we are unable to adjust or reallocate payments that were made to another servicer. '' Applicable federal law and regulations, and Tennessee law, require NelNet to accurately service my student loan debt ( including credit reporting and monthly statements ). NelNet is authorized by the DOE to service my student loan. The servicing agreement gives them the authority to fix this error -- even if it was caused by another servicer. The Department of Education is ultimately responsible. It acts through its servicers. The DoE can fix this, but it does so through NelNet. 

NelNet should correct XXXX XXXX 's error when it withdrew and additional payment and did not apply it to principal ( as I instructed upon discovering the error ). 

Additionally, on XX/XX/XXXX XXXX XXXX charged capitalized interest of {$1000.00} on one loan and {$1400.00} on the other loan. There should not have been capitalized interest as I had been making regular monthly payments and was not in forbearance. 

In response to my complaints, Nelnet only provides boilerplate answers. It does not address these specific issues. This is my last effort to resolve this before proceeding with a civil action. I shouldn't have to go through all of this just to ensure my loan is accurately serviced so I can pay it off.
Product: Credit card or prepaid card

On my XX/XX/XXXX Cabela 's Club XXXX card, I misread the amount due and paid {$1600.00} instead of {$1600.00}. When I received my XX/XX/XXXX statement, I was charged {$1.00} finance charge for the XXXX cents not paid on the XX/XX/XXXX bill. I called Cabela 's Club XXXX at XXXX to complain and was informed they base their finance charges on the average yearly daily balance and not on the actual amount owed and not paid. I was successful in having the {$1.00} removed, but I ca n't imagine it being legal to charge interest on monies you do not owe. When I use this card I always pay in full immediately so this caught me quite by surprise. I ca n't imagine how many persons are being charged this exorbitant amount of interest and do not realize how their interest is being calculated. In my opinion, this is a huge consumer rip off and steps should be taken to ensure fair and reasonable finance charges are in place by this company.
Product: Credit card or prepaid card

This company is the WORST bank I have ever had to deal with. 
I opened a credit card with BBVA in XXXX, they would send me 10+ pre-approval flyers a week. 
3 weeks ago, I noticed that my card had a purchase from XXXX on it. I have never used this card. It was locked in its envelope in mysafe since activation. I went on the website, locked the card. Called XXXX and they said they would refund the money in 7-10 days. I waited 7 days and called them back to see what the status of my refund was. They said they needed fraud verification and so I needed to call my back and dispute with my back and they would give me my money back. So I called in today to the customer service phone number of BBVA and waited 22 minutes to speak to a rep. The rep said they could not help me, that they had to get me over to fraud. We had lots of communication issues ( phones cutting in and out ). So I asked for a phone number for Fraud incase the call got disconnected. He gave me the same customer service phone number I called into. I said I would like the direct dial number for the fraud department so I do not have to sit on hold for a half hour to get transferred. He said he could not help me with the dispute. I said I didnt need him to help me I needed the phone number to the person to help me. He said he couldnt help me with the dispute. we did this a few times back and forth and then I asked to speak to a supervisor. HE put me on hold for 34 minutes, and then when I got to the supervisor the supervisor said " I can't help you because he blocked your card, you have to call back '' We went back and forth about how these transactions were from a previous billing cycle and that they were fraud and needed to be disputed as the bill is due according to the online banking on XX/XX/XXXX. He said he could schedule a call back, I agreed. He kept offering me a call back and I had to raise my voice and tell him that I ACCEPTED 3 TIMES SCHEDULE THE CALL BACK. 

The customer service I received today was absolutely atrocious. No one could help me. I still have hundreds of dollars of undisputed fraud charges on my account and I will maybe get a call back in 3 days.
Product: Vehicle loan or lease

In XX/XX/2018 my Lease expired on the XXXX XXXX which was through XXXX. At this time I rolled it over into a purchase also with XXXX. At the same time I had a XXXX XXXX but didn't know. During my lease with XXXX I was on automatic payments through their website and payment were made in a timely fashion. I wanted to continue that payment arrangement. I tried to do that but for the first few months they couldn't get the system to function properly. Every time I would call to seek resolution I would end up repeating the same story and couldn't get to anyone to effect change nor could I get a ticket on the problem to reference or a case manager to handle the complaint. After months of the non resolution I stopped making payments and told XXXX I wanted to make payments the way I had for years but didn't want to pay by phone or by check that wasn't convenient. I did this in hopes that it would escalate the issue to someone that could effect change and fix the issue. After every contact with XXXX I told them ( the conversation was recorded ) that I would pay the amount due in full the minute I could pay electronically as I had in the past. My thought was if I continued to pay by mail or phone they would never fix the issue considering it had been months with no resolution. Perhaps non payment would get someone's attention. There are over ten recordings of me saying I would pay immediately if the web based product would function just as it had in the past. In XXXX they repossessed the car and send me a demand letter. Once again I said I would pay the amount due but only by their product that the other 99 % of their customers have access to and enjoy. At this point I felt discriminated against because I didn't have access to the same functions as other customers. I later got the NC AG involved and they wrote a letter on my behalf and agreed with me and we are now in a stalemate. Also XXXX falsified a insurance claim on this car while in their possession as it must have had some damage to it as the Insurance company called to follow up on the claim. This is now effecting my ability to purchase a home and want to access all free services before paying an attorney. Any help would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX  XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went onto the XXXX site to request all 3 of my reports. As it states on the site, we are allowed access every 7 days to the reports from all 3 bureaus. I tied multiple times to access my Transunion report and continually received an error. I was given the Transunion number to call. I called and was put on hold for 20+ minutes before finally getting to someone. The call was disconnected after the first question. I called back again and was on hold for another 20+ minutes. After she verified who I was, I explained to her that I was directed to call her regarding the error. After much discussion, she blamed the website and told me I had to contact them. Then she stated they only provided reports to people who were " subscribers '' and paid for the reports. I explained again that they are required by law to provide a copy of the report when it is requested due to adverse action, etc. but she would not help. I referenced and read directly to her my rights under the FCRA. She was extremely rude and still refused and continued to try to talk over me so I requested a supervisor. A Supervisor named XXXX got on the phone and told me that their computer showed I had accessed my report successfully today ( which is not true ) and that they could not do anything unless I paid for the report. I again went through the FCRA and let him know I was directed to him from the website and that they were required to provide a copy of the report due to adverse action. He again refused and I let him know that I either needed to get the report or I would file a complaint. He refused so I hung up and am filing. I still have no copy of my Transunion report.
Product: Credit reporting or other personal consumer reports

these hard inquiries and account dont belong to me, hasnt being authorized by me and has to be removed. Also this is well. Thanks. Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Thank you for providing this service. I have gotten repeated calls with no message left from Transworld Systems about a debt owed to a doctor. Although I live now outside of the XXXX area code, they make repeated calls often more than once during the day from different XXXX area code numbers. When I questioned the account representative about this, he replied that they have only XXXX number which is not true. XXXX XXXX XXXX over a 5 minute! time span. And I have received five calls in three days. They repeatedly change numbers and do n't leave messages. I owe money. I understand that. They should leave a message and they should not lie. I appreciate your attention to this matter. Thank you.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Account name : XXXX XXXX XXXX XXXX investigation Based on my request for a reinvestigation of the account reported by XXXX XXXX XXXX on my consumer report the first time I was not given details of investigation or shown any contract or disclosures with my wet ink signature 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : When a consumer reporting agency completes a reinvestigation of disputed information, it must provide the consumer with a written notice of the results of the reinvestigation. This notice must include : A statement that the reinvestigation is complete.

A consumer report that is based on the consumers file as that file is revised as a result of the reinvestigation.

A description of the procedure used to determine the accuracy and completeness of the information, 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.

This section ensures that consumers are given a full description of the investigation process, including who was contacted and the methods used to verify the disputed information., several key legal provisions are relevant, including 15 U.S.C . 1681 a ( e ), 15 U.S.C. 168117, and 15 U.S.C.

1681g. 1. **Verification Process** : I have the right to know how the account was verified and whether information solely from the alleged creditor was used, as per 15 U.S.C. 1681a ( e ).

This provision outlines the parameters for investigative consumer reports and specifies that information obtained directly from a creditor or consumer reporting agency does not constitute an investigative consumer report.

2. **Description of Investigation** : 15 U.S.C.

1681i7 mandates that the investigation be accurately described in its entirety. Any discrepancies in this description may indicate a failure to comply with the law. 3. **Disclosure of Information** : Under 15 U.S.C. 1681g, you are entitled to all disclosures of information on file, including the original contract with your wet ink signature and the three disclosure forms mandated by 15 U.S.C. 6802. Given these legal requirements, I demand the immediate removal of the account from my consumer report. Failure to provide the necessary disclosures and evidence to support the account 's validity would constitute a violation of consumer protection laws and necessitate its removal.
Product: Debt collection

On XX/XX/XXXX, a salary garnishment was made against me for the amount of {$3000.00}, which began to be paid on XX/XX/XXXX and the payment was completed on XX/XX/XXXX, and according to the attached documents. 
Today this company and the court are summoning me to court for the same case, next XXXX, XXXX, XXXX
Product: Mortgage

After bankruptcy my lender sold my mortgage to a servicer. I want to verify information regarding my loan and the servicing of my loan to make sure that it was done lawfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 14 usc 1681. 

XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX has violated my rights. 

15 u.s.c 1681 section 602a states I have the rights to privacy.

15 u.s.c 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a 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 Rhenish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

XX/XX/XXXX XXXX was stolen from my purse at XXXX XXXX. Police were notified and larceny incident filed. XXXX Credit Card and Wells Fargo Debit card were cancelled within 30 minutes of wallet being stolen. However, perpetrator used credit card and debit card to make purchases at jewelry store before. 
Within a week of my wallet being stolen, I reported my stolen card to my local branch manager. 
In mid XXXX, when I received my Wells Fargo checking account statement, I saw a debit for {$2700.00} on XX/XX/XXXX ( the day my wallet was stolen ) at XXXX XXXX. Again, I met with my local Wells Fargo Branch manager to report the fraudulent use of my debit card. I was told it would take up to 90 days for Wells Fargo to investigate. 
After waiting 90 days, I again met with the local branch manager and was told I would receive a letter from Wells Fargo notifying me of the status of my claim. 
XX/XX/XXXX I went to XXXX XXXX and reported the date of the fraudulent use of my debit card at their store on XX/XX/XXXX. I was told at that time, in addition to using my debit card the perpetrators also charged {$4300.00} on my XXXX credit card. The police were notified and an incident report for the fraudulent use of my debit and credit card was filed. 
In early XXXX, I was asked to meet with a police officer to review a video of the perpetrator using my cards in the jewelry store. It showed a small framed XXXX women wearing a protective mask making purchases with my debit and credit card. 
On XXXX, I received 2 letters from Wells Fargo, one dated XX/XX/XXXX stating my claim was being investigated and one dated XXXX stating my claim was denied. 
On XX/XX/XXXX I wrote a letter to Wells Fargo requesting they reinvestigate my complaint and provided them with the above information.
Product: Credit reporting or other personal consumer reports

I urge you strongly to address and rectify the unauthorized accounts that have appeared on my credit report. These entries are negatively impacting my creditworthiness despite my lack of association with them.
Product: Credit card or prepaid card

I had a previous complaint XXXX about my credit card experience. I offered a solution that if it didn't work out I want to close my accounts.They tried minimum efforts to work out a solution with me: I was on a international travel and missed one call (only one call on XX/XX/XXXX) from their account manager XXXX XXXX. Instead of emailing me to schedule another call, she closed all my accounts including 4 credit cards and 2 bank accounts without my permission on XX/XX/XXXX.I was shocked when I found my saving is XXXX when came back, so I contacted the banking department to find out what's going on. They said that I personally called to close the accounts, which I never did. I suspect that XXXX XXXX stole my identity to do that.Later on, my credit cards was declined during purchases. So I called their credit card department and finally had a chance to speak with XXXX XXXX. She said I asked for it, like she never had a chance to read my complaint and solution suggestions. I listed the possible solutions on the complaint but she has no right to close my account without my written or spoken confirmation.This caused me so much trouble these days that my direct deposit has nowhere to go, my purchases was declined and I had to run to other banks to open account in the blizzard.Btw I never had credit issue, late payments or suspect ML activities.I've always been an active and royal customer with Citi but this time they did way over the line. XXXX XXXX  is not the right person to do this job.
Product: Credit card

I call stated when I looked at the account they said they closed it, but they still went back and charge me late fee six months after it was closed, then turned around and gave me extra fees. I didnt know about I knew I owed it one amount, but not trying to give me an option to resolve this issue. I call to resolve it to do a settlement they would not take it because they added all those late fees on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previosuly notifeid transunion that I am victim of identiy theft. There are fraudulent items on my Transuion credit report only. I woulnd like to know how can trasunion verify fraudulent information as accurate. How was the faudulent information verified and what dates? 
this definitely not fair to me that I should be punished for someone else error.
Product: Checking or savings account

On XXXX XXXX 2016, I made a affidavit of forged endorsement report with TCF Bank. My business account was compromised. There were seven checks that were endorsed ( fraudulently ) and signed by someone other than myself. The total dollar amount of checks that were honored and cashed by TCF bank was {$7900.00}.
After making a notarized fraud and police report. My bank indicated in writing that they would resolve this matter within 28 days of receiving all necessary documents to conduct their investigation. All necessary documents were received. TCF bank has acknowledged that they realize the checks were fraudulent. However, TCF bank has not refunded the money to my account as they previously stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent activity on closed debt that do not belong to me. I have submitted police report due to my items were stole years ago. I did not authorize a credit card on my account.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Debt collection

After moving out, we were contacted by the apartment manager that we had to pay x amount of money for damages. We called repeatedly asking for more information, because we did not damage anything during our time there. We never heard a response. They continued sending us letters that told us to pay. We sent letters back begging them to tell us what the damages were. We told them, we were not going to simply hand them over money for something, especially when they wo n't tell us what it was for. Some time passed, and we get contacted by a collection agency. They go on to tell us that we owe money for damages to our apartment. I ask what are the damages? All this time and no one would tell us!! The collection agency did n't even know! They said they had to contact the apartment complex to find out. Another two months pass, I called the collections agency almost every day trying to figure out the problem. They finally receive an answer. They said the damage was to the carpets. We definitely did not damage any carpets. I asked them to send us proof of the damages and pictures. They send us a letter that simply tell us the price to pay. No pictures. No details. I believe we are being lied to here. And, during the time of this charade, these XXXX agency have successfully damaged my credit score.