23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2022, between the hours of XXXX EST. I used the XXXX XXXX ATM machine located at XXXXXXXX XXXX XXXXXXXX XXXX, XXXX FL XXXX. I made XXXX separate transactions that totaled {$2000.00} dollars. The funds were posted to my account on XX/XX/2022. However, they only posted funds in the amount of {$1700.00}. Navy Federal Credit Union confirmed XXXX transactions. Transaction # XXXX. In the amount of {$740.00} dollars, Transaction # XXXX. In the amount of {$700.00} dollars, and Transaction # XXXX. In the amount of {$280.00} dollars. One single deposit transaction is missing. A single deposit in the amount of {$300.00} dollars was not posted to my account. I have contacted XXXX XXXX regarding this missing deposit, and they keep telling me about the posting date of XX/XX/2022. I have requested a transaction history for XX/XX/2022. I know that whenever I use my debit card the transaction date should be reflected on the account as well as the posting date because in some cases the dates may be different. I have received conflicting information about the transaction dates. First, I was advised that the cash deposit date was on XXXX XXXXXXXX XXXX and after I questioned them about why the cash deposit had not posted the same day because it was deposited that morning, I was later advised that the deposit was on XX/XX/2022. I do not believe my dispute was thoroughly investigated and I would like to know what happened to the missing deposit. There's a surveillance camera on the building and it's aimed directly at the atm machine that I used. I would like to request an investigation to review the surveillance and confirm the ACTUAL DATE OF DEPOSIT ( NOT THE POSTING DATE ) and the number of deposits shown. I am demanding that Navy Federal Credit Union investigate this complaint and correct any errors made to my account regarding this issue.
Product: Student loan

I called the student loan company ( NelNet ) XX/XX/23 to get information about repayment for my moms account, thats on my behalf, and was on hold for over 2 hours to talk to someone. I was able to get a little information and we done the steps they told us to. While I was on the phone for over 2 hours waiting, I also sent an email. I didnt get a response back until XX/XX/23. Now that repayment is coming up ( XX/XX/23 ), and I attempted to reach them XX/XX/23 because the repayment plan has not been fixed and its coming up due for payment on that. But I was hung up on numerous times, stating their office was closed. I was attempting to call at XXXX and their office didnt close until XXXX ( this was also stated by the automated message that kept playing while I was on the phone. ) So long story short, I cant even get ahold of my servicer to try to fix the repayment plan and try to get information on how to get that fixed with little time between now and the repayment date.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with a fair credit reporting act [ ASSETCARE # XXXX, XXXX XXXX # XXXX ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

Under 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

XXXX / XXXX / {$62.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I had taken out an installment loan which was not paid directly to me all at once but would be once the payments were made. I cancelled the loan mid-contract and was owed a refund for some of the money which I had invested towards the account. I received an e-mail from XXXX that stated I had until XX/XX/2022 to pay the outstanding balance of {$390.00} and that XX/XX/2022 would be the last day to do so. 

I paid the outstanding balance and left XXXX with a {$0.00} balance on my account prior to the date which was set for the deadline to make said payment. However, in XX/XX/2022 I began receiving notifications from XXXX, XXXX XXXX, XXXX XXXX that XXXX had reported my account as a " charge-off '' status, this was not the case as the letter I received from XXXX ( see attached document ) stated I had until XXXX. This was very unsettling and has been very unsettling with me for the past year. 

This account was paid off in full, & I also received a refund for the money I had invested in the account. 

I request the immediate removal of this XXXX account due to several inaccurate reporting including dates, amounts, and several inaccuracies which have affected my credit score among other things.
Product: Debt collection

As a consumer, I find it concerning and disappointing that despite providing a cease-and-desist letter to Oliphant Financial , LLC and having it delivered with a signature on or around XX/XX/2024, I have received not one, but two letters and I suspect multiple phone calls from Oliphant Financial , LLC . It is my legal right to request that all communication from a debt collection agency cease, and it is disheartening that this request has not been honored by Oliphant Financial , LLC. I urge them to respect my wishes and comply with the cease-and-desist letter that was sent and signed for. It is their legal obligation to do so. Persistent and unwanted phone calls can cause undue stress and disruption, and as a professional and ethical debt collection agency, I expect Oliphant Financial , LLC to approach their practices with the utmost respect and consideration for consumers. I hope that they will take the necessary steps to rectify this situation and refrain from any further communication.
Product: Debt collection

I have sent 4 letters to the credit bureaus to correct and delete information that was incorrect, they have failed to respond in a timely manner and when they have its been over 60 days after my complaint. I have received a letter from each bureau asking for additional information which I have provided already which is a delay tactic. I have been trying to get the information corrected however they are not verifying the information with no corrections. I have failed several complaints I have run out of options!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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 XXXXXX/XX/XXXX
Product: Mortgage

In late XX/XX/2021, my wife and I started the process of looking for a mortgage to purchase our first home. We settled on Bank of America ( BOA ), despite our lawyer advising against it due to some bad prior experiences. However, BOA provided the lowest rate and closing cost estimate. 

Long story short, our initial mortgage officer ( NMLS # XXXX ) made various mistakes such as quoting me a different interest rate then what was actually provided. The individual was also not aware of what the processing department ( i.e., underwriters ) was doing because I had to inform the officer when the appraisal will happen and when it was done ( information my realtor provided ). Moreover, when an error occurred, the officer kept quiet and avoided responding to my emails, messages, voicemails. After all the incompetence, the officer 's manager ( NMLS # XXXX ) had to step in and take over our file. 

The situation only got worse because the manager told me I had to fire my attorney. After a couple of hours of confusion and panic, the manager told me to ignore the request. Apparently, someone at BOA thought my attorney was the bank 's attorney and did not see the name on an approved list. I also learned that it is typical of BOA to leave things to the last minute mainly because the processing department controls the show. The individual processing our file did not get to it until very last minute. My attorney and the bank 's attorney did not get the final documents until after XXXX the day before the close. There is more to the story, but I will end my complaint here. Avoid BOA for your mortgage!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Fair Collections and Out Account # 4390338, 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
Product: Prepaid card

On XX/XX/2024 my Venmo account was frozen, I initiated a chat in which nobody could tell me why the account was frozen, I was told I could call in therefore I did and I was still told that I could not be provided with a reason why the account was frozen and that I could not transfer my money out the Venmo company is holding {$190.00} of my money and states that I will receive an email in XXXX to XXXX business days. This is the second time that my account has been frozen by this company and that they have held my money. Please help.
Product: Student loan

I am on the XXXX repayment plan. I should only be paying XXXX every month. I am being charged an additional XXXX every month on top of my XXXX. I show none of these payments on my student load page. I called Aidvantage and they do not show those payments on their end at all.They even told me that the money that is being taken out is not even being paid towards the balance of my loan. The Customer Service Rep and I have no clue where these payments are even going.
Product: Credit reporting or other personal consumer reports

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

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

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

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

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

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

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

Delete the late payments from my consumer reports.
Product: Checking or savings account

On XX/XX/XXXX we received in the mail a " Notice of Dormant Account '' from Axos Bank. We were baffled since we have a 60-month CD account maturing on XX/XX/XXXX with the bank. We tried to log-in to our online account and were locked out. We called Customer Service around XXXX and spoke to " XXXX ''. After a lengthy verification process and several times on hold, XXXX stated the following. " Since we did not make a deposit or withdrawal in the past two years, the account has been rendered Dormant and he threatened to hand the funds over to the State as a dormant account if we don't make a deposit to the account. We informed him that it was a 60-month CD with no such requirements, this is tantamount to blackmail, unethical and illegal practice. We are not obligated to make deposits to this account. We have over {$110000.00} in that account and we have various CDs with many other banks. And we never received such a demand or letter of this nature. Further, we have been with the bank for many years and never received a letter like this. When we addressed the fact that we are unable to log-in to our account and we asked XXXX to unlock or reset the password for the account and/or set up the password and send it to our email or to our home phone, he refused to do so and demanded that I take a picture of my driver 's license and another picture of me holding my driver 's license and email it to him. This is unacceptable since we have been fully verified. We believe this is a deliberate act to force us to make deposits and threatening us to hand over our account to the State. This is a form of fraud and/or a scam and should be fully investigated and hold the bank accountable for such unethical and illegal practices. Our phone conversation with XXXX is recorded, please listen to it. At this point our account is locked, held hostage by Axos Bank and we do not have access to our money. We asked to speak to a manager and XXXX said he would be calling us in 24-48 hours or longer, we have not heard from anyone. I urge you to fully investigate this matter. My husband, XXXX, participated in the conversation and XXXX XXXX XXXX XXXX XXXX XXXX prior to losing his XXXX. He did XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, and was alarmed by their actions.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed inquiries that are not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XXXX XXXX, 2015 I noticed an unauthorized and unrecognized charge on my American Express account which posted XXXX XXXX, 2015 in the amount of {$2300.00} by a company named XXXX XXXX XXXX XXXX. On XXXX XXXX, 2015 I initiated a dispute with American Express related to this charge. 
I received correspondence from American Express on XXXX XXXX, 2015 stating that the merchant had submitted a market analysis report as evidence that the charge was valid along with a typed message on the back which contained a one-sided conversation by the merchant. Upon closer inspection of this merchant it appears the company is based in XXXX, I live in the United States and have never done any business with anyone from XXXX. The charges were reapplied to my account. I am attempting to further my dispute but do not know what supporting documentation I can provide showing that the charge was fraudulent other than the geographical limitations of an authorized transaction occurrence. I am continuing to dispute this matter.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items
Product: Debt collection

I am a victim of Identity Theft. Lovely person charged a bill to XXXX on XX/XX/XXXX using my social security number. ( XXXX XXXX 's phone number XXXX ) I called them today and they said it was already in Collections ( XXXX XXXX at XXXX ) reference number is XXXX. This went into collections on XXXX, XXXX. The amount now is {$830.00}. I again called XXXX XXXX, and they told me to contact you because I had not gotten XXXX XXXX  until after that so they could not get involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing directly with the credit bureaus, as well as with the original creditor on the way a charge off is being reported on my credit profile.The charge off is from a voluntary repossession. The account reported has multiple inaccuracies and inconsistencies that Violate my rights as a consumer. The way this has been reported improperly on my credit profile for the past 2 years, has hurt my ability to obtain new credit. I requested removal of this account after I noticed that the balance was factually incorrect. I asked the credit bureaus to complete a full investigation of the true balance of this account, everything came back as Verified, and my dispute was closed. I asked the original creditor to send me documents that support the balance that they are reporting, because I had gap coverage for this vehicle in my contract, furthermore the vehicle was sold at Auction in 2019 and I asked them to furnish me the receipt of sale. The creditor responded saying ( In Writing ) They had no way to alternate the way they report, and any discrepancies should be filed with the Credit Bureaus to dispute. I then went back to the Credit Bureaus and disputed the account ( this time with proof attached ) due to inaccurate monthly payment. The account has been closed for 2 years, but still shows a monthly payment due of XXXX XXXX The results came back as Verified, no changes were made, My dispute was closed. I even disputed online and attached proof to the dispute that my Term Length and being reported inconsistently between the 3 Bureaus, XXXX shows Monthly, XXXX48 months, and Equifax-bi-weekly. 
Still no changes were made. In fact, a credit dispute specialist Modified my dispute 's reason, so they would not have to reopen the investigation in light of the new information given. ( I have proof of this ). 
The credit Bureaus have failed to do a thorough and reasonable investigation, and simply parrot information from the Original Creditor. Even though, the Original Credit has been reporting inconsistently between them, and Inaccurate Information.
Product: Mortgage

FLAGSTAR BANK CUSTOMER Our problem was revealed to us when we attempted to make a substantial principle payment ( {$400000.00} ) to our mortgage on XX/XX/XXXX, which is a HELOC in first lien position. This loan was established in XXXX of XXXX. Though it wasn't mandatory, which decided to establish an ACH auto payment arrangement from the beginning with the bank for worry-free monthly interest payments . Throughout the life of this loan, we would routinely make significant principle payments such as {$18000.00}, or XXXX, sometimes less. Always AFTER the 1st of the month to accelerate paying down the loan. While our latest and most significant principle payment was being held in suspense, I began to look back through the year of our principle payments in the account. I noted the ACH auto interest payments which occurred as agreed on the XXXX  of each month. But later on in the month, when we would make our principle payments, the bank was taking early payments of interest and thereby systematically diminishing the affect of our principle payments. There is no escrow account. We pay all other costs, eg insurance, taxes, etc ourselves. The bank acted outside of the ACH agreement and never informed us that it would do so. I would never have made unnecessary or early interest payments to the bank knowingly. I have demanded that the bank return every payment of interest that it took outside of the ACH agreement ( those payments it took before or after the XXXX of each month ) and return that money to us by applying to the principle balance as we had intended. I have been spending long period of time on hold and speaking to dozens of unhelpful people for days now. I have gotten quite the run around. My contact person last said the bank may be willing to go back 90 days. This is unacceptable. It's theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX XXXX and Equifax ) on/around XX/XX/2020 and a second request was sent via certified mail on XXXX XXXX, 2020. 
In my letter sent and received by XXXX, XXXX  and Equifax I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been almost 6 months from my first written request and more than 3 months since my second written request and I still have not received any responses.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and disappointment regarding the unresolved issue of fraudulent items account, despite multiple attempts to address it. 

The presence of these fraudulent items not only compromises my financial security but also erodes my trust in your company 's ability to safeguard my interests as a customer. Furthermore, the lack of resolution has caused me significant stress, inconvenience, and potential financial losses. 

I expect a prompt response to this complaint, acknowledging receipt and outlining the concrete steps that will be taken to address the issue. Additionally, I request regular updates on the progress until the matter is fully resolved. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXXXXXX XXXX  XXXX Balance Owed : {$2800.00} ; XXXX XXXX Balance Owed : {$770.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$590.00} ; XXXX XXXX  XX/XX/year> ; XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX XXXX XXXXXX/XX/year> ; XXXX XXXX XXXX XX/XX/year> ; XXXX XXXXXXXX XXXX XXXX XX/XX/year> ; XXXX XXXX XXXXXX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>.
Product: Money transfer, virtual currency, or money service

My friend asked me to borrow {$210.00} and i accidently sent to his old account on venmo that was hacked. I tried contacting venmo within 2 minutes of the transaction to unsend it. They stated that it couldn't be unsent and that I would need my friend to reach out to them. I have attached the chat log from the multiple times i contacted them. My account name is XXXX XXXX