23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

NelNet is the servicer for my student loan from law school. I made a large payment ( almost {$15000.00} ) to satisfy the remaining balance on my final loan. There is no record on my NelNet account and customer service representatives have told me there is no record of the payment despite NelNet withdrawing the total funds from my savings account over XXXX weeks ago. I have called customer service twice and written an email as directed, but the situation is not resolved. I believe NelNet has acted with, at best, gross negligence, and at worse fraud, in servicing and processing my loan.\ On XX/XX/XXXX I scheduled a payment for {$14000.00}, the effective date of the payment was XX/XX/XXXX. 

On XX/XX/XXXX the funds were automatically withdrawn from my personal savings account. This is the account from which I have made all payments to NelNet in the past. These funds have never been returned to me. 

On XX/XX/XXXX I called the NelNet customer service line because I realized the funds have never been applied to my account, and there was no longer any receipt of the funds in my payment activity portal ( previously, it listed the payment, and described it as " pending '' ). The representative I spoke with said she could " see '' the payment on her end, and emailed me a confirmation of payment receipt. See attachment XXXX. She instructed me that if the payment had not processed by the new year I should call again. 

On XX/XX/XXXX I called NelNet customer service because the payment has not yet processed. I was informed there was no record of my payment and no record that NelNet received the funds. The same day I emailed a customer support email address. The situations is still not resolved.
Product: Credit reporting or other personal consumer reports

I receive XXXX and credit cards doesnt belong to me. The address isnt even correct.
Product: Student loan

In XXXXXXXX XXXX XXXX I refinanced my house to pay off my daughters student loans ( Parent Plus loans ) and my wifes loans 4 parent plus loans valuing {$48000.00} dollars and 5 loans from my wife attending XXXX University valuing {$25000.00} I have not seen anything posted to my account on the parent plus loans even though the account numbers were on all 9 checks and the amounts from the credit bureau I sent them copies of the checks to no avail. The mortgage company satisfied the VA requirement of Loan to value so that the loan could be processed. Just to have MOHELA misappropriate the funds. This is not right all of the checks were earmarked specifically for the purpose of meeting the requirements. I have reached out to the credit bureau and they wont help I have been trying since XXXX to resolve this problem and they said my account was transferred, but now they have sent repayment options, how can they be asking for more money when they misappropriated the money from XXXX with no explanation.
Product: Debt collection

On XX/XX/XXXX I took a home equity loan for US {$55000.00} from XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX. 
After signing I received a letter from FLAGSTAR BANK, located in XXXX Michigan, ( now in XXXX arizona ) about the wind insurance on the house that I took the loan. I responded that I did not have wind insurance, that I never had it, I never will, I also told them that as far as I knew I did not asked Flagstar for any money, that my deal was with XXXX XXXX XXXX XXXX, and XXXX never asked me to have wind insurance, but yes they asked me to have flood insurance which I got. I also told them to talk to XXXX XXXX, and fixed with them, this happened in XX/XX/XXXX. I talked many times with them, and then they left me alone. In XX/XX/XXXX they started again with the same thing, but at this time having talk to them and sending them a letter, ( which was returned and I have it, because their address was not XXXX michigan ), and faxing to them in 2 occasions to two different persons all that I knew about the loan and the insurance, also asking them for my original copy of the compliance notice ( which they do not have, because I never signed it ), as the one I have for the flood insurance, They did not do anything to fix this the right way. Also they kept on sending me different letters, but never answering what I asked them for, but yet telling me that they have put wind insurance in my house. I called different days and on XXXX XX/XX/XXXX I talked to a lady named XXXX, spanish, and an office worker I think XXXX, and after one hour and 45 minutes, on the phone I asked XXXX what was going to happen, and she told me do not worry they were going to credit my account with all the escrow that they took from my payments and not to worry about the insurance. So I waited 2 weeks and I called talked to XXXX and she told me they were working on it. after a few days I called again and talked to XXXX, and this time she told me stray that they were I asking for me to pay the wind insurance since I have the loan or since they bought it. About XX/XX/XXXX I went to legal aid and just yesterday XX/XX/XXXX they called me and they told me that XXXX XXXX XXXX XXXX, sold the loan the same day I signed, and they did not tell me ( if they would of ask me for wind insurance I would not get the loan is like XXXX a month more that I could not afford ). I have all the documents and my statements and in none of them show a change on my escrow, only on XX/XX/XXXX starts to show. I asked them for a payoff figure, and I see there that supposedly I owed them XXXX, which XXXX is mortgage and the rest is escrow, so they took money from my regular payment and allocated to the escrow. Yesterday XX/XX/XXXX they started to call my number for collection, of a debt, I do not think I owe them anything. I am XXXX, and on fix income, I fill that they shoving this insurance down my throat..
Product: Student loan

I have two consolidated loans with Navient. In XX/XX/2020, my payments will increase. In anticipation of this, I have made multiple requests, both online and over the phone, to allocate my payments so that I can pay down the smaller of my two loans. I got a bonus in XXXX and made a {$2600.00} payment on the smaller loans. And yet, Navient 's system keeps distributing my loans contrary to my wishes, no matter how many times I request or what hoops I jump through, I keep getting the runaround. I find this practice unfair, deceptive, and potentially abusive.
Product: Credit reporting, credit repair services, or other personal consumer reports

The hard inquiries detailed below are a violation of my rights, since they were done without my consent, I sent a letter of good will requesting that this incorrect information be removed and without my authorization from my credit report. to which they refused. 
XXXX inquiry from XX/XX/XXXX. I dont recognize. 
XXXX XXXX Inquiry from XXXX XXXX. I dont recognize. 
XXXX XXXX Inquiry from XXXX XXXX. I dont recognize. 
XXXX XXXX Inquiry from XXXX XXXX. I dont recognize. 
XXXXXXXX XXXX Inquiry from XXXX XXXX. I dont recognize. 
XXXX XXXX XXXX Inquiry from XXXX XXXX I dont recognize. 
XXXX XXXX Inquiry from XXXX XXXX. I dont recognize. 
XXXX XXXX Inquiry from XXXX XXXX. I dont recognize. 
XXXX XXXX XXXX Inquiry from XXXX XXXX I dont recognize.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my Equifax credit report, I have identified several fraudulent accounts that I never opened. These accounts were created using my personal information without my authorization, and their presence on my credit report is severely impacting my financial standing. These inaccuracies must be addressed and corrected immediately. 
The fraudulent accounts appearing on my Equifax report include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have no association with these accounts and have never authorized their creation or usage. The existence of these fraudulent accounts on my credit report is not only misleading but also a direct violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). These false entries damage my credit history and prevent me from obtaining credit under fair and accurate circumstances.
Product: Credit card

Greetings On XX/XX/XXXX, a credit card was requested through the website and was approved. On XX/XX/XXXX, I received a call from Banco Popular, number XXXX, indicating that it was from the security department to ask me some questions about my person, such as social security, etc. I told the person to give me their number. telephone to return call. The employee indicated that if she did not want to identify me, she should go to the branch. She was told on several occasions if they had any way to do this by email, etc., and she indicated that these were instructions that would be passed through the branch. I contact customer service to try to talk to security and they answer from customer service, the employee tries to pass the call and the security department indicates that they do not accept calls with customers. I do not understand with so much campaign that indicates that Banco Popular does not make calls and that you do not report your personal information to Popular. I had no choice but to stop by a branch where I was kindly attended by an officer to request an updated identification that I could have sent by email. I call again on XX/XX/XXXX to make a transfer and again they tell me that they can not identify me that I have to send my ID to an email to the security department to be able to identify myself. On XX/XX/XXXX, I contacted them, and they told me from customer service that the ID sent was not legible that I should send it and since the security department has so much work that I had to wait for them to call me. I requested a transfer from the same bank XXXX XXXX  XXXX, and XXXX was paid and the other was not because the bank 's address was simply not according to their system. I contacted them today and they informed me that I have to make a claim for an investigation to be carried out that can take up to 90 days to investigate what happened to the address. On XX/XX/23 I called again to request the status of the claim and they informed me that it was rejected. I contacted XXXX XXXX XXXXXXXX to guide them on what is happening to me with Banco Popular and they replied that they have nothing registered, which is very strange. situation. That my account with XXXX XXXX XXXXXXXX is all good and that they even received the information about a transfer from another card and everything was fine. I go back and contact Banco Popular to report what I'm talking to with XXXX XXXX XXXXXXXX and the customer service tells me that they are going to try to make the transfer again and I explain that I can't do it again if they don't know how to explain to me what it is. that is being carried out, nor what is happening with the account. Really, how is it possible that the customer service is so terrible and abusive towards customers. All my life I have worked with financial services, I have several businesses in US Banking, and it is possible that the simplicity and treatment is better there than in XXXX. If I had not investigated my credit, I would not have made any further requests with Banco Popular. I just need to be guided as to what it is not like to call and have a person answer like a recording robot.
Product: Credit reporting or other personal consumer reports

Whom it may concern, I, XXXX XXXX, never gave ( Experian ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Sincerely, XXXX XXXX
Product: Mortgage

my mortgage company stop taking my payments them filed foreclosure before the 6 month period Ohio says that mortgage banks have to wait for you to be behind
Product: Credit reporting or other personal consumer reports

Delete all inaccurate addresses and names. 15 USC 1681b states by law this inaccurate information has to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR, XXXX XXXX XXXX XXXX XXXX XXXX AR, XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

XXXX XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX  Bankruptcy 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: Credit card or prepaid card

I saw a credit, from a merchant XXXX dated, XX/XX/XXXX for {$16.00} on my visa card activity history ( Visa card issued by PNC Bank ). I called the PNC VISA customer service, the rep said that VISA USA under the agreement with various merchants provide the credit card info to third party merchants for a fee. Go talk to them, reached the VISA USA at XXXX. XXXX the rep at VISA said, if the merchant says, that I have a recurring auto debit agreement or SOMETHING LIKE THAT ( nothing specific ), The VISA USA in conjunction of banking institution, in this case PNC bank will give MY PERSONAL FINANCIAL INFORMATION TO THE MERCHANT for a fee.

So Visa says, burden of proof is upon merchant to provide unimpeachable documentation that I have given them consent to get my financial information from VISA and THE BANK. Apparently, I can close my account with merchant, terminate all agreements but VISA USA/PNC will give Visa/Financial ; information of mine to merchant just becausethey asked for it. Visa USA conferenced in the PNC bank representative. The Bank said, THEY WILL GIVE MY FINANCIAL INFORMATION, away, to Business partners and affiliates. Based upon this ambiguous hearsay, all of sudden, PNC bnak is an Affiliate to XXXX water delivery, and without my knowledge, or consent give my informatrion to the merchants that pay a fee for the list of their customers account info. Please audit the PNC bank records to see, how many Accounts and related information is being sold to these merchants with flimsiest allegation that customer consented. {$10000.00} fine for each instance when the info was sold on closed merchant accounts, should teach PNC a very good lesson. DISCLOSE to customers, who you are selling the info to and when. I appreciate your kind help.
Product: Credit card

Ordered an item on XXXX using a CHASE Freedom card. The order was delayed because an offer, for financing it with payment being broken down into multiple instalments. would not clear after many attempts. Interest on the payments would have added to the cost of the item.
Product: Checking or savings account

On XX/XX/XXXX, I tried online to open a new Capital One Performance Savings account. After submitting all my information, the screen told me to call in to provide more information. I called in. A representative named XXXX asked me to verify my identity by photographing and uploading my driver 's license via a link she texted to me. I successfully verified my identity via that time-consuming method. She then said she saw a " restriction '' on my previous Capital One account from many years ago, and that it had to be resolved before she could open my new savings account. She transferred me to another department, where a representative named " XXXX '' ( ID # XXXX ) made me verify my identity all over again, via the same time-consuming method of taking live photos of my ID and submitting them via a different texted link. After I successfully verified my identity, she placed me on two long holds, then informed me that Capital One had decided to end my banking relationship way back in XX/XX/XXXX, so I could not open a new account. I asked why CapOne made that decision. She said CapOne communicated it to me in XXXX. I said I don't remember anything about that, so I'd like a copy. She put me on another long hold, then asked how I'd like to receive the copy, by email or letter. I said by email, and gave her the same email I'm using for this complaint. She put me on another long hold, and ultimately refused to send me a copy. I want a copy of that alleged communication, and I want to know why CapOne is refusing me a new account.
Product: Vehicle loan or lease

America first credit union, refused to turn over my car title after paying off my loan. They claimed the state had it despite communication with the state directly that they still had it in their possession they then asked me to pay for a salvage title stating that it was my fault that they did not hand over my title in a timely manner. It took over 1 year for me to get my title after paying off my loan. A year that i could not legally drive my vehicle or register it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not remove fraudulent items off of my credit file. Please reinvestigate these items, and remove them if they can not be verified. I have submitted a copy of my driver 's license, social security card, and proof of address.
Product: Debt collection

This debt was sent to a debt collector Speedy Cash has deleted the debt and refunded my money XXXX out the debt But XXXX refuses to relinquish the debt XXXX is trying to collect a debt that has been canceled by the original debtor
Product: Debt collection

Cavalry Debt Collectors ( Cavalry SPV I , LLC ) www.cavps.com has been pursuing me for {$320.00} they claim I owe XXXX. I believe the whole bill stems from a miscalculation in XXXX that accrued over {$300.00} of interest charges, it was not any purchase I made. In any event, the charge off date was XX/XX/XXXX. 

They have been harassing me for years. I told the previous collection agency, XXXX, that this debt was not mine and I told Cavalry the same thing. They continue to write me and it is very upsetting. I am XXXX XXXX XXXX. I live on a small social security income and my husband passed away during XXXX. I have asked them to leave me alone but they will not. I dont know what else to do.
Product: Debt collection

Citi Cards - Mailed Priority Mail letters on XX/XX/year> requesting signature validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay alleged debt. Company has yet to provide my request for signature validation, well past XXXX calendar days. 

**Note : I will mail copies of all corresponding documents to your office as they exceed XXXX for uploading purposes. **
Product: Credit reporting, credit repair services, or other personal consumer reports

When I complain and make requests for the permissible permission used to access my credit report on XX/XX/2017 from XXXX XXXX XXXX XXXX ( COAF ) and Experian, XXXX automatically labels without even reading This complaint appears to be about the same issues as your earlier complaint. XXXX is Experians client and neither have yet to supply the permissible permission to have accessed my credit report on XX/XX/2017. XXXX  is wrong, doesnt even read the complaints, and wipes their hands clean of this because they are trying to shield themselves from the wrongdoing and liability associated with unlawfully accessing a citizens credit report without permissible permission. Is XXXX a company in XXXX?
Product: Debt collection

Balance on Columbia debt revcove account increase by {$2.00} from {$470.00} to {$480.00}. The collection agency have added additional charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquiries on my credit report that do not belong to me. I have tried to contact XXXX, XXXX, and Transunion about this matter, but the customer service representitives were not interested in helping me. These hard inquires are making it impossible for me to get new lines of credit.

I also have some inaccuries on my report as well, my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not reporting on any of my credit reports.

And my credit card is reporting as only 3 years when the account is 10 years 8 months old. This is causing my XXXX  score to report drastically lower than what it should be.
Product: Student loan

I am a XXXX employee who has consolidated and as an attempt to control my payment amounts as well as pay off my debt in 10 years to earn total forgiveness. However, I earn about XXXX a year and have additional responsibilities, like family, mortgage etc. My payments continue to increase so much so that i have begun to be geared toward forbearance over several years. This pushes back my XXXX plan, accrues extreme interest and does not allow me to make any progress on my approx. $ XXXX student loans. Student loans are bankrupting me. A huge portion of my loan was taken out at a college that was not even accredited at the time for the XXXX program I was in. There is no way to dig out from the burden of the student loans I was foolishly allowed to borrow as an unsuspecting college student. I am in a good job with a decent salary and I still can not afford my payments. There are few jobs that allow students to earn enough post graduation to afford to pay back student loans plus interest.
Product: Mortgage

I applied for a mortgage through carrington mortgage and was pre approved and went through the whole process to obtain the mortgage to purchase a house and paid for the inspection as it was a va loan and then was denied 2 weeks before closing for not having enough reserves when through a va loan there are no cash reserves needed and i lost the house and was out XXXX for the home inspection.