23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Nelnet took over my loan in XXXX. I paid monthly until the end of XXXX. I was on Income Based Repayment. Anything after 25 years is forgiven. At the end of XXXX my loan payment went from {$200.00} a month to {$400.00} a month. I called Nelnet and told them I could not afford that monthly payment. I told them I could pay the $ XXXX monthly and they told me that was unacceptable. I would need to fill out new paperwork and instructed me to fill out more financial information on their website. I did this and on their website, it told me my " expected payment '' was around {$190.00} based on the answers to their questions, however, this could not be done on the internet and their website instructed me to call them back. At the same time I requested additional information ; a copy of my master promissory note, documentation for a " pay-off '' amount of my loan, and a statement of my account for the length of the loan. Only the copy of the note was provided, nothing else. Meanwhile, I went back and forth with Nelnet for the next 2 years, including up to 12 phone calls and emails. Nelnet finally defaulted me to the Dept of Education. I explained this to the Dept of Education, they noted it and sent me paperwork for a review ( they had also added $ XXXX to my loan amount ). Before I could send my paperwork back in the Dept of Education sent me to collections, who added another $ XXXX to my loan, increasing it $ XXXX in a matter of months.
Product: Payday loan

Fees were outrageous and I just want to end the loan
Product: Debt collection

I had a auto loan with Western funding. Which the car was returned back to them time in XXXX of XXXX. But before this western funding had changed it off and sent it for collection to XXXX XXXX XXXX. Which I never signed agreement with XXXX XXXX XXXX. Furthermore, I contacted Western funding requesting my 1099c since they changed off/written off this debts. Which they never since it to me because they said that they no longer have anything to do with this debt. If you look at my XXXX credit report you will see a XXXX balance. So after contacting Western funding I contacted XXXX XXXX system asking for validation of this account. Which I ask for a copy of the documentation with my signature saying that I signed a contract with them. So I ask that Western funding and XXXX XXXX system accounts be removed from all of my credit reports.
Product: Mortgage

My mortgage principle is currently at 77.9 % LTV and trying to terminate PMI with US Bank. Home was purchased XXXX/XXXX/14 and payments are up to date. Multiple attempts to contact US Bank to terminate PMI have not worked but local US Bank mortgage loan officers have stated it will be terminated. However PMI is still being included on my loan statements. 
Regards,
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash App ( XXXX XXXX XXXX ) 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 there platform, leaving my account vulnerable and unprotected. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Checking or savings account

I have  a Compass Bank Checking accou nt.     From  XXXX   XXXX  to  XXXX   XXXX  I was charged ATM fees totaling {$2200.00}.     The practice of charging excessive fees is unfair.     I continue to use this checking account and would  like Compass Bank  to adjust the balance based on waived fees.     I have paper copies of all monthly checking account statements, including all pages, reflecting the fees that were charged.     I have more than  XXXX  account w ith Compass B ank.
Product: Credit reporting or other personal consumer reports

I discovered multiple unauthorized hard inquiries on my credit report from XX/XX/year>, which are negatively impacting my credit score. These inquiries were made by XXXX XXXX ( XXXX inquiries ), XXXX XXXX XXXX ( XXXX inquiries ), and other companies, excluding XXXX XXXX, which I did authorize. I did not apply for credit or provide consent for these additional inquiries. The XXXX from XXXX XXXX XXXX has the same contact information.
Product: Mortgage

Freedom mortgage has failed to pay my property taxes for XX/XX/2016 to the XXXX county treasurer. I know have a delinquent tax notice out against me when I have done nothing wrong as it was suppose to be paid from escrow. Freedom mortgage, has been extremely difficult to work in getting this situation resolved. They are stating they will not have resolution until the end of XX/XX/XXXX which is unacceptable since I have been working on this for almost a month when I found out. I need resolution of this as I pay my bills and have done nothing wrong. Freedom mortgage needs to take care of their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 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: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft due to a recent data breach, which has resulted in unauthorized accounts being opened in my name without my consent. In accordance with XXXX XXXX XXXX ( a ) and the Fair Credit Reporting Act ( FCRA ) XXXX ( b ), I am formally requesting the immediate blocking and deletion of the following fraudulent account from my credit report : Fraudulent Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

As explained previously, I am currently on the XXXX plan and have made the required payments each month since XX/XX/XXXX. However, each month my remaining interest balance has not been waived as required by the terms of the federal XXXX plan. This has caused my principal balance to go up each month, while interest continues to accrue, which means I am paying only against the interest each month instead of the principal as would occur if the remaining interest were properly waived after each month 's payment. This is also causing me to pay interest that wouldn't be required otherwise, as it would have been waived. I've reached out several times to Mohela, most recently via email on XX/XX/XXXX and only just received an email back on XX/XX/XXXX. The email notes that : " Thank you for contacting MOHELA, We apologize for any confusion. Please be advised that the Saving on a Valuable Education ( XXXX ) plan eliminates 100 % of remaining interest for both Subsidized and Unsubsidized loans after a scheduled payment is made under the XXXX Plan. This will only apply if the monthly payment amount established does not cover the monthly accumulated interest. For example : If {$50.00} in interest accumulates each month and you have a {$30.00} payment, the remaining {$20.00} of interest would not be charged. 

If your monthly payment amount is {$0.00} on the XXXX plan and you do not make a payment for that month, the interest that accrues throughout the month will not be charged. Please keep in mind that you may still see interest accruing daily on your account, however on the XXXX of each month for the month prior, that interest that accrued for the prior month will be cleared. '' Note the last sentence is directly contrary to what is occurring. I asked why my interest was not being waived as per MOHELA 's own words in this email and have not received any response. The lack of communication is clearly in bad faith and contrary to what they themselves say should be occurring. Thank you.
Product: Debt collection

EVERY SINGLE DAY/ 7 days per week Nissan Motors Acceptance calls me regarding my lease payment that is less than 30 days past due. They call me between 4-6 times daily it is harassment and stressful. If I didnt have the money at XXXX, I do not have it at XXXX Am and if I got it, I would have paid it. That many phone calls per day is intended to harrass the customer. I have so much XXXX I cant even be in the same room as my phone. They call almost as late as XXXX PM. They need to STOP HARASSING CUSTOMERS. That many phone calls in one days is not going to yield outstanding payment!
Product: Student loan

I'm from a low income household and even though I received a XXXX XXXX it was not enough to pay for tuition and I had to take out private student loans with Sallie Mae and Navient in order to pay tuition. I was charged excessive fees beginning with initial loan disbursement fees and have since incurred late fees, adjustments, and unjust capitalized interest. I was unable to pay the full amount of all of my loan payments upon graduation as I was unable to obtain a suitable job or livable wages for a XXXX XXXX  after graduating amid the recession of XXXX. I was harassed nonstop by collectors for these loans who even threatened to garnish my wages when I was making minimum wage and barely able to afford rent. The only option I was given at the time was forbearance and interest capitalization. Once I finally had some work experience and was able to obtain a " real '' job in XXXX I was able to begin making payments and have continued to do so despite financial struggles, medical debts and the steep cost of living in XXXX. Although I have consistently made payments my loan repayment period had to be extended due to the loan amounts snowballing over the capitalized interest and fees. The original amount of my loans is {$70000.00} and to date I have paid about {$50000.00} leaving the initial remaining loan amount to be about {$20000.00}. Instead, because of interest and fees, my overall balance is still over my original loan amount and I owe {$79000.00} and I will be in repayment until XXXX. How is it that individuals from low-income households are forced to pay double or triple the amount for a college education due to unfair interest capitalization processes? I was given no choice or other option than forbearance. Interest and fees should be waived for these student loans. 

" XXXX XXXX '' XXXX XXXX XXXX + XXXX '' Origg+Int. 
-Current '' Fees Paid '' XXXX XXXX Would Be '' XXXX {$20000.00} {$18000.00} {$13000.00} {$31000.00} {$11000.00} {$1000.00} {$12000.00} {$6200.00} XXXX {$22000.00} {$17000.00} {$18000.00} {$35000.00} {$13000.00} {$950.00} {$14000.00} {$2900.00} XXXX {$3800.00} {$2900.00} {$3000.00} {$6000.00} {$2200.00} {$300.00} {$2500.00} {$440.00} XXXX {$15000.00} {$13000.00} {$11000.00} {$24000.00} {$9100.00} {$660.00} {$9700.00} {$3800.00} XXXX {$10000.00} {$10000.00} {$6800.00} {$16000.00} {$6400.00} {$230.00} {$6600.00} {$3300.00} XXXX {$6800.00} {$7800.00} {$3200.00} {$11000.00} {$4100.00} {$360.00} {$4500.00} {$3200.00} {$79000.00} {$70000.00} {$56000.00} {$120000.00} {$46000.00} {$3500.00} {$50000.00} {$20000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Investigate Consumer Report I, XXXX XXXX, consumer, and natural person, am aware of all of the rights I have, and which are protected by the Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

On XX/XX/2022 I sent a complaint ( Complaint # XXXX ) through the CFPB for the Credit Bureaus to investigate inaccurate accounts on my credit report. They did not properly investigate my credit report and has violated my rights under 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Who did you speak with that was associated with me, or friends, or neighbors who verified this information? Because it's inaccurate. You can't verify information from other Consumer Reporting Bureaus and you must obtain interviews from associates, or neighbors, or friends and others who know me so please show proof of that. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681 According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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.

According to : 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish 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.

According to 15 U.S.C 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} Please delete these accounts unless you want to be held liable {$1000.00} per violation
Product: Debt collection

Creditor Contact Details :  XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX  (  XXXX  )  XXXX  Reporting to credit  X/XX/17    Negative impact to my credit by  XXXX   XXXX   XXXX .       I Requested validity of debt, including signatures, medical records, HIPAA form to release information to this company and valid contracts   XX/2017 ,  no response recieved.       CREDIT COLLECTION SERVIC  XXXX   XXXX   XXXX   XXXX , MA  XXXX  (  XXXX  )  XXXX  Reporting to credit  X/XX/2017    Negative impact to my credit by credit collection services.       I Requested validity of debt, including signatures, medical records, HIPAA form to release information to this company and valid contracts   XX/2017 , n o valid response recieved.
Product: Checking or savings account

On XX/XX/XXXX I contacted my bank and reported the fact that I wasn't able to get the money in my account on time. XXXX XXXX XXXX XXXX was set up to withdraw funds. I went into overdraft as a result. The bank said the transaction was adjusted. I made a payment using another form of payment. I didn't have transportation and wasn't able to get the money in my account on time. On XX/XX/XXXX the same incident occurred. I contacted Social Security Department to have my money sent to the bank. It's out of my control that it take a long time for them to transfer my funds into my account. Therefore I made my monthly payment again to XXXX XXXX XXXX XXXX. I purchased a bed from the company they finance. XXXX XXXX XXXX XXXX is insisting that they deposited an additional charge into my account. The bank states the company only deposited {$79.00} into my account. I'm including a copy of XXXX XXXX XXXX XXXX statement. It shows that they deposited XXXX into my account twice. I'm being held responsible for a transaction I didn't get. Late charges have been added, late charges, etc. This is affecting my credit score. I'm finally getting my credit straight after being a victim of identity theft. I learned in XXXX that someone created an account using my personal information with Wells-Fargo Bank. A Federal Identification number was created using my personal information. The last four digits are XXXX. The name used is XXXX XXXX and my late father XXXX XXXX. It was as though I had a business. I was made the sole proprietor, the account was created in XXXX. The amount used was {$25000.00}. I'm still working with IRS concerning this matter.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX And list of Inquiries According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish 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.

( B ) 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.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Debt collection

I sent a complaint on XX/XX/2020 regarding a debt that PDQ says I had with them. I sent PDQ Services requesting proper validation of debt. I have not received proper proof that I am indeed the party they are asking to pay this debt and there is some contractual obligation, which is binding on me to pay this debt. I didn't have any knowledge of this debt and they are collecting on something I never agreed to ever pay. I have sent the XXXX another compliant about there predatory practices. Delete this account immediately from my transunion credit report because XXXX and XXXX  has done so or I will file a lawsuit because they are still violating the FDCPA.
Product: Credit card or prepaid card

American Express business card was charged with fraud transactions but I wasnt been able to access transactions on the account and I wasnt even offered a replacement card the card went dramatically $ XXXX {$1700.00} from the used amount. 

Always made payments on time no late payment. Waited over 3-4 months they said they called multiple times but havent received any calls there calls say spam risk and they say its not under there control and they havent left any voicemail or letter.

Then one day I get a voicemail from collection agency and its debt from American Express which I was willing to pay in full but only if they let me see my statements and provide me a replacement card.

Even my 2 other personal accounts accounts I cant see statements last representative offering me payment program after closing my accounts but my accounts already closed despite me making payments on time.

Called them 100 times wasted hours no solution from one department to another. Fraud charges on my business account were a lot. Also my two personal accounts were already closed despite them offering the program.

Reason they gave for closing my 2 personal accounts is my fico score and some fraud activity. My fico score fell because of the business account which they gave to collection because of non payment.

Business account and all other account no access to statements kept telling them I cant access it they said they will send it in mail didnt receive it.

Ask representatives for solution they say they cant do anything or they disconnect.

I am willing to pay for what I used no fraud charges or late fees they have applied on my accounts.

The account with fraudulent activity should be investigated. It shouldnt be sent to collection agency
Product: Checking or savings account

Ive banked with Chase for 2 year never had an issue- actually loved and praise chase to anyone who asked. 

Received a alert to contact bank urgently. I called and they advised accounting has closed account for reasons the " aren't allowed to tell me " but the were cancelling their relationship with me and I have no access to the funds in the account ( its my bill pay account ). 

They advised they are not required to provide me with the funds is they dont deem necessary or the release of funds is to the say of the branch XXXX - and if they decide to decline I just dont get my funds back ever. 

Advised I am not allowed to do to the branch and I must " wait out '' their decision as to rather of not I deserve my funds. 

All of this started at XXXX XXXX  EST on XXXX/XXXX/2024
Product: Debt collection

Harris & Harris are sending me letters saying I owe money on a vehicle that I never own. 
Reference # XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Payday loan, title loan, or personal loan

We took out a XXXX loan with this company. Over a XXXX period we had to apply for few hardships payment plans due to sickness and then during the covid period. All of our plans were paid back on time and in full. Our understanding was that the hardship missed payments would be put on the end of the loan. We were not aware the missed payments would become due at the maturity of the loan. The company has now called the loan requiring us for a full payment of the loan balance of {$10000.00}. Or {$10000.00} per month for the next 12 months. I am a XXXX XXXX senior person, and I am not working. My only source of income is my social security benefit. We can not afford to make such a payment per month of almost {$1100.00}. The company has now placed our account on delinquency status when in reality the account is currently up to date. We find their sudden action unfair and of a loan sharking nature. The company is unwilling to work with us to come up with a better payment plan. We respectfully request help from your office on this matter. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SS XXXX DOB XXXX I am going over my credit file and I saw a few things that are not accurate. I have unknown addresses on my file that I do not recognize that I need to be removed. 
These addresses do not belong to me please delete them:XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 
there are several misspellings of my name my correct and my only name is XXXX XXXX, Please delete any other spellings or variations they are not correct!