23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have two Federal student loans currently being serviced by Nelnet with a combined balance of approximately {$120000.00}. The balance on these loans is higher than it should be for the reasons discussed below and I have so far been unable to resolve the issue with Nelnet directly. In 2014, I sent a recertification form to Nelnet by fax to renew my Income Based Repayment Plan ( IBR ), which is required to be renewed each year. A few weeks after sending it however, I received a monthly statement showing that my student loans had been switched to a Standard Repayment Plan instead. When I called Nelnet to ask why this had occurred I was told that they had not received the recertification paperwork and that I would need to resubmit it in order to get back on the original IBR plan. I did resubmit the paperwork and it was eventually approved. However, on XXXX XXXX, 2014, Nelnet incorrectly capitalized {$4500.00} of accrued interest as a penalty. This penalty should never have been levied since I fulfilled the requirement to send the recertification forms on time and I received a confirmation by fax that the documents had been successfully received. Nelnets employees either misplaced the forms or failed to record them properly in the companys computer system. Even so, Nelnet has yet to reverse the {$4500.00} interest capitalization. Even more egregious, the telephone assistant at Nelnet who discussed this issue with me at the time recommended that I apply for a Forbearance so that I would not have to make a monthly payment until my resubmitted IBR recertification had been approved. What she failed to explain to me is that by requesting a Forbearance, all of the remaining accrued interest on my outstanding student loans would be capitalized, resulting in the loan balance increasing by {$12000.00} and interest expense increasing by nearly {$900.00} per year. Had I been informed properly I could simply have made one monthly payment to avoid this additional {$12000.00} in capitalized interest. However, I was not given this information. Instead I was given the bad advice to proceed with a Forbearance even though this course of action was clearly not in my financial interest. The representative who instructed me to do this obviously did not understand the consequences of filing a Forbearance and should not have been placed in a position to advise borrowers. Over the life of the loan, this will cost me approximately{$17000.00} in additional interest and is the direct result of poor training given by Nelnet to their customer service employees. Nelnet has so far refused to take responsibility and reverse the capitalization.
Product: Mortgage

I opened a HELOC with UWM in XX/XX/2023. I took a partial draw. I urgently need additonal funds from my available credit and have not been able to get to my money. They state they need to trasnfer the loan but the has not happened. I signed a HELOC notice that states I wouldnot have access to unfunded portion for 60 to ninety days. This period has been exceeded. They have been neglitent and causing me hardship. 

I need access to my funds immediately.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Details of Disputed Inquiries : XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX late charges on XXXX XXXXXXXX accountthis was a mistake and was also under the cares act stated must be rmoved during this time, ive contacted XXXX XXXX twice with letter, and i always get a computer generated letter with the exact wording sent backive always on beentime before this and after, ineed this off.been about a year 1/2now
Product: Debt collection

on XX/XX/2021 I received in the mails an attempt to collect a debt from Stillman Law Office. Unknown to me, I had previously received in the mails dated XXXX from the same office " Stillman Law Office ''. I do no know nor consent to their proceedings. I have no knowledge of this person and have sent on XX/XX/2021 a validation of debt, affidavit as well as an invoice for the damages they have already occurred, certified mailing # XXXX XXXX XXXX XXXX XXXX. They have already started reporting this on my consumer report, This alleged debt is not validated, this alleged account # and Amount due are unlawful and have already created a negative impact on my consumer report. I have no contract or contractual obligation that I have signed to pay Stillman Law Office. They have negatively affected my consumer report as I was notified of an adverse account, and appears af is I owe them to the public, need to be held accountable. They have violated my consumer rights and now I have to spend my time to correct this issue and clear my name in spite of my rights not being protected.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I ordered my credit report from https : XXXX  and my Equifax report didnt come up. Ive been told this might be due to an error in my personal information you have on file. In this letter Ive included all of my current and correct personal information so this can be corrected. 
I have included the following information : Copy of my photo ID Document with my social security number Proof of current address Please use these documents to verify my ID and make my credit report available. 
Also, please remove any name variations that dont match my ID. Please remove any addresses that dont match my current and valid address. 

Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX
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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres ( 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 deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I already filed a complaint on XX/XX/XXXX. 

" On XX/XX/XXXX, I called to report my credit card lost / stolen, and asked for a replacement card to be sent OVERNIGHT to my WORK ADDRESS. XX/XX/XXXX came and went, and I never received a card. I called the same night and asked where the card was. I was told it would arrive by Monday, XX/XX/XXXX ( even though I had requested it to be sent overnight ). Monday, XX/XX/XXXX came and went. I put in a third call to Chase to inquire about the replacement card. The representative assured me it was on the way. Finally, on Thursday, XX/XX/XXXX, I received the replacement cards via regular mail ( instead of overnight ) sent to my home address ( instead of work address ). I asked if Chase can compensate via Ultimate Rewards Points for the trouble and lack of follow through, and I've gotten no response. '' On XX/XX/XXXX, Chase closed the account without resolving the issue, and said they issued 5,000 reward points to my account, but never did. I've made at least three calls to the Executive Office since, and have gotten no response from XXXX. I want to reopen the case.
Product: Credit card or prepaid card

I bought a prepaid card with a balance of {$500.00} back in XX/XX/2022. Since then I have been having trouble using this card. I called customer service on and around the third week of XXXX, XXXX  and I was told a replacement will be sent. Finally, I got a replacement card on XXXX XXXX. When I am trying to activate the newly replaced card, It is telling me the card information is incorrect. I trying calling the customer service number which is going nowhere after almost two separate 45 minutes hold.
Product: Mortgage

The family trust submitted necessary documents for completing a short sale to the lender ( Champion Mortgage ) holding a reverse mortgage on property held in the trust. All documents were submitted in a timely manner, including an appraisal. The appraisal was ordered by the trust, therefore it had to be reviewed by a HUD approved third party reviewer. The review process took over 3.5 months, due to periods of no activity by both Champion Mortgage and XXXX ( appraisal reviewer ). This extraordinary long review process caused the appraisal to exceed the 120 day HUD limit on the appraisal. A letter was submitted to Champion requesting that the appraisal be honored given the unacceptably long review process. The request was denied with the offer to pay for another appraisal. The new appraisal came in $ XXXX higher putting the purchase out of reach for the family member requesting the short sale purchase. Another letter was submitted to Champion again requesting that the original appraisal value be honored given the flawed appraisal review process. A Champion problem escalation representative contacted the trust executor apologizing for the situation and suggesting that we consider appealing the new appraisal. 
About a week into the preparing the appeal, we found out that the home had been sold in auction. We were not notified that the sale was imminent or that the property was sold. We heard about the sale from the individual who purchased the property. In fact, when the Champion escalation rep was informed of the sale, they were totally surprised and had to investigate to verify the accuracy. Reportedly, a request to rescind the auction foreclosure sale ( generated by Champion managers ) was denied by the responsible vice president. The property is still in escrow to our knowledge. The sale took place on XXXX.
Product: Credit reporting 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 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX 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 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 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.
Product: Debt collection

TRUEACCORD SENT ME AN EMAIL STATING THAT I COULD PAY MY DEBT TO THEM. I HAVE NEVER BORROWED MONEY FROM TRUEACCORD, NOR DO I OWE THEM MONEY.
Product: Debt collection

I pulled my credit report. I seen an amount for {$34.00}. This includes a medical service that I am unaware of because the information is not me or owed by me. I was XXXX  between the time of XX/XX/ 2020 throughout COVID-19 pandemic. I was under Medicaid throughout the duration of the time of my XXXX.
Product: Mortgage

In XX/XX/2012 we received a letter from Chase offering a Mortgage Rate Reduction. Since we were only given 1 week to act on this offer and I was unable to handle the application, my daughter and my husband took care of the application for this adjustment to the interest rate. Because of our current financial situation I have been going back over previous records regarding the mortgaging of our home which is why I'm writing this complaint today. 
First - the letter you sent is very deceiving ; it gives the impression that you are only reducing the interest rate when in fact you are refinancing the loan. The reduction in the interest rate of .63 % would have made a minimal reduction in the monthly payment. The reduction of {$200.00} in the monthly payment was really the result of refinancing the loan and extending it back out to 30 years costing us an additional {$35000.00} in interest. If you were going to refinance the loan ( you could have just adjusted the rate on the original loan ) you should have left it at the remaining years but then the payment reduction wouldn't have been as attractive. 
Second - You refinanced this loan as a HARP loan that I don't think we were eligible for because our LTV ratio was way below the 80 % requirement. I think this is the reason our loan has been pooled with other underwater loans that have been sold at a great discount but makes my mortgage not eligible for most of the help programs because I have too much equity. 
Third - The income we received from social security wasn't enough to support the mortgage payment, taxes, and home insurance. The additional monies we were using from our XXXX and savings would have been better used to pay down the balance of the mortgage and than refinance the lower balance with a lower interest rate. Having said that you still should have verified how we were getting the additional monies to pay the loan and for how long that would have lasted. It would have brought to light the financial path we were on instead you chose to capitalize on us. All of these actions could be construed as predatory lending. Between what transpired in the refinancing of our loan in 2012 and how chase handled our loan 4 years later with a request for mortgage assistance has lead to me having to file for bankruptcy just to keep our home from being sold at a sheriff sale. I may have been a very responsible homeowner but you are not a very responsible bank. 
I know from the internet that other customers also received these letter but with their own customized offers and they too didn't feel your offer was in their best interest. I don't know the status of these loans now but it does make me wonder if they too are facing the same financial dilemma I'm facing now.
Product: Credit card

On XXXX XXXX, 2015, my commercial bank XXXX confirmed electronic payment to my Barclaycard MasterCard in the sum of {$10000.00}. It was, however, made to my former Barclaycard account. I spoke with Barclaycard ( some XXXX call center ) who claimed to have opened a " case '' on the matter but have not heard anything despite the fact that my XXXX banker also confirmed the payment with Barclaycard directly. Essentially, we have a missing {$10000.00}.
Product: Credit reporting or other personal consumer reports

I have a capital one bank inquiry thats not mine and a XXXX  inquiry from someone that signed into my account and took XXXX POINTS FROM ME, I WILL SHOW YALL ANYTHING YALL NEED BUT I WANT THIS OFF ASAP THIS IS NOT ME. IVE CONTACTED XXXX AND IVE CONTACTED CAPITAL ONE AND BOTH APPLICATIONS HAVE BEEN CANCELED now please take this off immediately
Product: Credit card

For five years I have never been late on a payment with the merchant. The company, despite receiving returned emails and messages that my phone numbers were no longer in service reported me to the credit agency for my delinquency. The FIRST time the company contacted me by physical mail on XXXX/XXXX/16 I immediately contacted the company and offered to pay the full amount of my bill off but inquired with XXXX XXXX in the CMA department why they did not send the physical mail to me before reporting me as delinquent despite knowing that my emails and phone numbers were both coming back as not being in service. For a simple cost of a stamp my credit would have been saved and I would have paid instantly. My credit took a XXXX point hit for an trivial balance that I would have paid if I had any knowledge of any outstanding balance. The company charged usurious interest rates + late fees of over 350 % APR on this balance.
Product: Credit card

Since 2019, I have paid the balance due on my Apple Card on time with no delinquencies and no problems. 

Part of this successful habit is due to the timely and reliable notices and reminders that appear directly on my XXXX XXXX as " notifications '', not unlike missed phone call alerts, or message reminders. These notifications have given me ample opportunity to take time to arrange the payment in advance of the due date. 

This month, I can not find a notification of the pending obligation in the XXXX interface on the phone. HOWEVER, I did see a notification immediately after the payment became overdue and {$36.00} in interest charges had been applied. 

In the absence of evidence that contradicts my experience, I fear that the notification mechanism that has been used to condition my payment behaviors has been intentionally removed or manipulated to increase the interest revenue collected from me.
Product: Checking or savings account

Hello, I have a large amount of money with UFB Direct in a savings account. I have been trying to access and transfer some money for over a week but have been unsuccessful. When I attempt to " move money '' from my savings account at UFB to my personal bank, the banks will not link together. I was on a call with customer service for around 55 minutes and they attempted to link the accounts but could not. We tried many options but continued to fail. As a final attempt, I agreed to have a wire sent, even through it would cost me fees. The wire failed too. It seems that money is unaccessible and this is very concerning. I need to access this money immediately but customer service and tech support are not able to help. It fees that they are keeping my money and not allowing me to access it. I am very concerned.
Product: Credit reporting, credit repair services, or other personal consumer reports

due to negligence and falsified information being reported from consumers, I have been struggling to obtain financial assistance during the economical impact that COVID-19 has brought for thus another year. I have many unverified accounts that present invalid information. I have attempted to reach out at the least 3 times, every 30 days with no results or answers relevant to my demand of validity. I am seeking a final step before legal actions are taken upon all three credit bureaus. they have all failed to respond within 30 days. I demand Justice. The bureaus allow this terrible work ethic and don't do a good job validating correct information. So many people have been failed by the bureaus lack of care and it is time to protect our rights. I have sent both my dispute requests and a failure to comply letter to all XXXX bureaus which i will include in this report.
Product: Payday loan, title loan, or personal loan

I received a notification on XX/XX/XXXX of funds deposited into a bank account that I had that was charged off in XX/XX/XXXX. This was suspicious obviously and when tracking the funds it appears they came from a company online I had never even heard of. I did apply for this loan, I did not authorize the loan and furthermore it is proven by the fact the lender did not have my correct address, bank account, etc. For example, why would I get a personal loan online and then have it deposited into a bank account that was charged off 4 years ago when I have a perfectly good current bank account I could use. Total scam and I don't want this fraudulent loan to have an impact on my credit or bank activity. I have filed a complaint against the bank as well as I did an ACH dispute of funds form and the funds haven't been distributed back to where they came from. No one should be able to take a loan out with the ease this was done as it is totally fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX, XXXX XXXX Balance : {$2900.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9300.00}