23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I applied for a SAVE application XXXX XXXX XXXX  The federal government told me my payment would be XXXX. I applied early, during beta, so Nelnet has had plenty if time to process my application. I connected my IRS account to Nelnet so they could I think my tax information from them. Which is a viable option. My AGI was listed from IRS as XXXX. The federal government said I qualify for XXXX. Nelnet kept asking for more information because like other friends I have, they are trying to scam me out of more money when the guidelines for SAVE are ONLY your AGI, which I provided. IT has been 3.5 months and Nelnet still hasn't processed my SAVE app because they are trying to find a way to charge me a huge amount. Which they have done to tons of my friends. I am fed up. This should have been handled a long time ago and the federal government told me 4 weeks to process or maybe a bit longer. 3.5 months is insane. Nelnet is worse than XXXX because thry even had my NAME WRONG. Great Lakes had my loan and never messed anything up. my name is XXXX XXXX and they keep sending me letters as XXXX XXXX. I am reporting them to the Ombudsman as well as they are treating me, a XXXX  with a XXXX like a financial mark toget as much money as they can from me. They sent me a bill for XXXX which is my old amount before SAVE. they can't get my name right, refuse to process my application and are trying to XXXX me over. As a XXXX XXXX XXXX XXXX XXXX I am done with the gross incompetence of Nelnet, their stall tactics to find a way to charge me as much money as they can, and their gross incompetence. My name was XXXX with Great Lakes who they received ny loan from. I demand also that I am credited with payments towards public student loan forgiveness a XXXX XXXXXXXX as it is their fault they have not processed my SAVE application. I want the Biden Administrarion to know the absolutely disgusting behavior I have endured under Nelnet. I demand my SAVE application be processed immediately and that my payment of XXXX be sent to me for XXXX asap. 

Attached are proof of dates and correspondence. 

XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my reports I see multiple inquiries from the same companies on various dates and timelines. I was not aware nor did I authorize with oral agreement/ written signature any of the following companies to review my credit profile and send information to the bureaus : These inquires were never authorized by me and there appears to have been some sort of improper practice of procedures without permission. I need them to verify and provide proof for the validation of each inquiry. If none is given then I request that each inquiry with no proof of authorization be removed.This many inquiries ( some by the same companies again and again ) have put my profile in a terrible position. I need it rectified as soon as possible so that I can continue with improving my credit profile and quality of life. Here are the companies and dates of occurrences : XXXX : The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX TransUnion The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry XXXX XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thursday, XX/XX/2019, I reached out from XXXX from XXXX XXXX indicating that I received a notification from Navient that my loan payment was late and that my understanding was that I entered into an agreement to pay the {$39.00} per month for a certain amount of time to get my loan forgiven. I knew that my payment was not late as the {$39.00} payment was and still is autodrafted from my banking account every XXXX of the month. He stated " I'm not sure why they would request payment. It looks like we just did a recert for you. '' I am in the process of purchasing a home. My lender contacted me on Wednesday XX/XX/2019 indicating that Navient has reported my loan as past due 60-90 days. I again reached out to XXXX via email and telephone. He provided me with notices from Navient on both both XX/XX/XXXX and XX/XX/XXXX stating that I was in good standing and further that my past due balance was XXXX. I'm not sure why only one of the three credit bureaus is reporting my student loans as past due. I am not sure if XXXX XXXX is a legitimate company. I have paid them for over a year and when I recently reviewed my portal, none of my student loans are even listed on the XXXX XXXX website. I have been paying them to manage my student loans so that they can be forgiven and I do not know what the status of the forgiveness or the balance.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} Late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$XXXX} XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} Late/Open Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I set my credit card as the default payment method, but Paypal selected my bank account to debit without my authorization, which resulted in an overdraft fee on my bank account. After the first debit failed, they debited the same bank again without notifying me of the debit, resulting in a second overdraft fee. Totally XXXX dollar. I filed a dispute and asked them to change the debit method, but they did not accept it.transactionXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Credit Reporting Act XXXX XXXX # XXXX and XXXX # XXXX XXXX violated my rights. 
15 USC 1681 Section 602 states. I have the right to privacy. 
15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish account without my written instruction. 
15 USC 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, credit repair services, or other personal consumer reports

DID NOT RECEIVE NOTICE WITHIN 5 DAYS of Determination as required by LAW. 

This is my second attempt in communicating with your offices. In Exhibit A is attached the first letter sent. 
All items in Exhibit B, C, D, E, F, G, H, I are invalid, innacuare, not timely and carry no documented evidence per FCRA laws and are damaging to me character, reputation and well-being by falsely stating those non-complaint unverifiable accounts on my consumer report. 
I have not received any confirmation on how these alleged accounts were verified attached in exhibits B, C, D, E, F, G, H, I and therefore request that you consider this as a final notice to your offices. Past this point, CFPB will have authenticated sworn testimony from my end which I will gladly present in court as evidence if need be of me trying to rectify the subterfuge that you are reporting. 
I have not received confirmation or certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore you are to present to me with a certificate of testimony that the alleged accounts presented in exhibits, B, C, D, E, F, G, H, I are in fact compliant and not subterfuge.

****This entry is from Affidavit of Truth served to XXXX****
Product: Checking or savings account

VENMO agreed to pay XXXX back. FROM FRAUD/ unauthorization charges. 
As you can see the last complaint. 

Which will pay off everything that was scam/fraud. 

On XX/XX/XXXX they freeze my account asking me to pay back XXXX Assuming that since they credited me an extra XXXX.. I would pay it back .. still didnt know why it was only {$160.00} until I made a payment and they did not release my credit Of {$160.00} XX/XX/XXXX and {$75.00} XX/XX/XXXX I thought if I made a payment of {$160.00} They were gon na unfreeze my account Which will leave me balance XXXX .. if they re-credited XXXX my account total XXXX I made a payment back to un freeze XXXX Venmo take from XXXX Venmo take from XXXX Venmo take from Until I message them they told me it was from the last XXXX Fraud charges which was supposed to be taken care of by Venmo .. told me it was only temporarily credit now I need proof Thats what Venmo sent me which XXXX would think it would be in file already but Im guessing they dont have it in file. 

XXXX + XXXX {$390.00} XXXX So now that I paid {$160.00} they took the credit that I have in my account which left me with XXXX So basically out of the XXXX. 

Venmo owed me {$190.00} now since I repaid, and they took what I had left in my account, which shouldve been taken care of the last time, I made the statement
Product: Checking or savings account

On XX/XX/2020 I opened a new checking account with Bank of America. I had earlier received a targeted mailing offering a {$300.00} new account bonus. The sole requirement for receiving this bonus was to set up and receive qualifying direct deposits of {$4000.00} or more in the new account within 90 days of account opening. I received direct deposits on XX/XX/2020 and XX/XX/2020 whose total exceeded {$4000.00}. The offer stated that the bonus would be deposited within 60 days of completing the requirement. Hence, I should have received the bonus by XX/XX/2020, but I never did. 

I have reached out to BoA multiple times since that date but the bonus remains unpaid. My best understanding from these conversations is that BoA 's system failed to recognize the incoming transfers as " qualifying direct deposits ''. To be clear, the deposits represent my regular income, namely the XXXX money I receive from XXXX  XXXX & XXXX XXXX  ( disbursed by XXXX XXXX as a direct deposit ) in support of my position as a graduate student, and are therefore " qualifying direct deposits '' as the offer defines them. I have indicated the source of the deposits to BoA multiple times. 

It is understandable, with many employers and payroll processors in use, that BoA 's system might sometimes misidentify direct deposits. However, given the long time elapsed since the bonus was due, even after I brought the error to their attention, I believe that BoA is unwilling to resolve the error in good faith, and that is why I am making this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that Experian have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
How did you verify the date last active? Also how did you verify the date of last payment? May I know your investigation resources? This misleading information has reporting on my credit profile for over a year. The last payment for this account was XX/XX/2018, therefore the date you have reported for date of last payment & date last active in inaccurate. The following information therefore needs to be re-investigated and removed from my credit profile for immediately Account : XXXX XXXX XXXX XXXX I respectfully request proof of your investigation. 
The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit report. 

In this complaint accompanies a copy of my Experian credit report showing proof of the inaccuracies reporting on my credit profile.
Product: Money transfer, virtual currency, or money service

OnXX/XX/XXXX I visited TD Bank branch in XXXX XXXX XXXX to complete international wire transfer. Employee XXXX was assisting me, I specifically requested the funds ( USDXXXX ) to be transferred in USD, while performing the task, XXXX XXXX me that the funds " switched to CZK '' when I asked why, he stated he did not know, I told him again, I really want him to transferred in USD, he replied that it would transferred to CZK and asked if I want the transfer to be completed or not ( misleading me to believe that the XXXX bank may be the issue, and there is nothing he can do ). As I was led to believe that there is no other way to complete the transfer than in CZK, I agreed. By this exchange transaction, I immediately lost approx XXXXUSD, resulting in further loss of another XXXXUSD when the funds had to be transferred back to USD in the bank in XXXX. Since I was led to believe that this was XXXX bank issue ( and not TD ), we contacted the bank and was advised that the transfer was incorrectly performed by TD. When I contacted the TD branch, I was advised by the assistant manager XXXX, that the funds can be easily transferred in USD, that the system is just " a little tricky '' and if the funds are converted, you have to exit the transfer and start again. When I contacted the manager of the bank, she was rude, uncooperative, and when I met her in person and spoke to XXXX, he was lying about " offering me to exit the transfer and re-start the transfer in USD '' ( which he certainly did not, nor was he probably even aware of the issue at the time of the transfer, and it was exactly what the assistant manager advised me prior, and I repeated to the manager when I talked to her on the phone earlier that day ), he said that I was fine with transfer in CZK that I really did not care ( not true ), and the manager advised me since I signed the transfer form, there is nothing she can do for me. I wrote letter to TD Bank corporate office in attempt to resolve this issue, but never heard back. I am deeply disappointed and concerned with TD process and unwillingness to address this issue. The transfer fee was XXXXUSD ( which would be all I would pay ), however, by the incapability of their employee and/or defective system, TD instantly gained additional approx. XXXXUSD by converting my money to foreign currency. It certainly raises a question how often this happens ( I doubt I am the only one who experience this issue ), and if TD is aware and just does not want to correct this issue ( there certainly was not any effort on TD side ).
Product: Credit reporting or other personal consumer reports

I haven't been able to login to Transunion for moths. I am entitled to view my credit report from Transunion when I want.
Product: Credit card

The first statement I received from Home Depot covered a 16 day period commencing XXXX XXXX ( date opened and made first and only purchase ) and ending XXXX XXXX,2015 was received by me on about XXXX XXXX, 2015. Upon review of the terms, particularly the very high interest rate of 17..99 % I chose to immediately discontinue use of the credit card and notified Home Depot to close the account. So rather than paying the installment amount of {$25.00} I paid the full outstanding balance. This payment was received by Home Depot on XXXX XXXX,2015 representing payment in full. The following month I received a statement showing the payment in full and a late penalty charge of XXXX. 

I believe this charge is unfair and abusive. It appears to be justified by the fact that an installment payment {$25.00} was not paid by the due date of XXXX XXXX,2015, about 10 days after receipt of the first statement on the account. 

When I received my first statement I assumed, based on applicable regulations, I would have the normal XXXX weeks to make a payment before late charges could be assessed. And further since the statement revealed an excessively high interest rate I needed time to obtain funds to pay the account balance off immediately. Having made payment in full within 10 days of the receipt of the statement I believe the first late fee and interest charges are unfair and abusive, .and should be reversed. Multiple late fees charged as a result of unpaid first late fee charge are clearly unfair and should be reversed together with late delinquent interest charges
Product: Credit card or prepaid card

Around XX/XX/XXXX I received an email from my Citi/Sears Mastercard for an offer of no interest for 18 months AND a 5 % statement credit for a single purchase of {$540.00} or more made outside of Sears with  an expiration of XX/XX/XXXX. On XX/XX/XXXX, I made a single purchase of {$700.00} of home heating oil thus fulfilling the offers requirements. When I received the Citi CC bill in late XXXX, they had split the charge into two amounts of {$260.00} and {$430.00}, thus making me ineligible for the offer. My first call to Citi on XX/XX/XXXX resulted in my being advised to call the merchant because " ... Citi doesn't control that ''. A call to the merchant, XXXX XXXX, on XX/XX/XXXX informed me that " We submitted a single charge of {$700.00} but sometimes the bank will split a large charge because sometimes the credit balance on the card isn't high enough '', or something to that effect. A call to Citi on XX/XX/XXXX ended after 10 minutes when the rep. hung up on me because I had difficulty understanding her accent. A subsequent call on XX/XX/XXXX lasted approximately 45 minutes during which " XXXX '' ( male ) tried to remedy the situation by telling me to have the merchant refund the charge and then resubmit it and ask the bank not to split the charge. When I pointed out that the offer had since expired, he agreed that would not work. I finally asked him " It is Citi 's fault that I did not get my 5 % statement credit so are you going to give me that {$35.00} I'm owed or not ''. He said he can't do that and I said then I will have to file a complaint and see what happens. If I may add a personal observation : I have noticed numerous examples in the past decade or so of people no longer having the ability to make decisions even when they agree with the customer. They now are put in the position of trying to convince the computer that makes the decisions that it should do what they want it to do. At some point we humans have lost control and now are secondary to the technology that now so dominates every facet of our everyday life. 
Attached is a copy of the bill ( which has already been paid in full ) showing the split charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing in regards to an old credit card account I had with Bank of America. I held a credit card with BOA which was opened in XXXX of XXXX, then closed in XXXX of XXXX. This account I held in good standings and was never late on a credit card payment. 
The account was closed due having to file a chapter 7 bankruptcy on XXXX XXXX, XXXX. The account was closed and I received a discharge in bankruptcy on XXXX/XXXX/XXXX. 
This account was included in the chapter 7, and discharged along with other debt. All of my credit reports list my public record and reporting of the chapter 7 discharge. 
I actually had asked my attorney if I could keep this card open to rebuild my credit but was told I could not, and that it had to be included, as all outstanding debt needed to be. I wanted to keep this card as I had never been late, nor ever missed a payment on this account. I only know the last four numbers of the BOA acct were XXXX. I have done very well since my chapter 7 and have a 100 % payment history. 
This account is still being listed in my XXXX XXXXnd my XXXX credit reports. I have filed numerous disputes and have received no deletion of these reporting. They have also continued to update the accounts at last XXXX. They do not report anything about this account as far as my payment history which was perfect. It is listed as to just harass. I have gone to BOA directly and the bureaus regarding this issue and nothing has been done. 
As stated this account was included in on my discharge. When you decide to file a bankruptcy it is a devastating report to your credit file in and of its own that lasts 7-10 years. This is the price you pay for what was done and is stiff enough penalty on its own however, BOA has reported on this account as recently as XXXX and it is a violation of my discharge injection to report again on debt discharged in Bankruptcy. This account also because not removed from my report lists as a separate " NEGATIVE '' item, along with the bankruptcy therefore I am being penalized twice for this account. 
Can you please help me? As I stated I have disputed with the bureau and with BOA so I am not sure how to get this error removed. 

Thank you XXXX XXXX
Product: Mortgage

In XXXX I had trouble using the automated system, which resulted in me having to pay a fee by the time I got it to work. I assumed this was my fault. In XXXX, I attempted to pay by phone sometime between XXXX XXXX. I was then contacted by letter, saying that there were non sufficient funds for the payment. I checked my account to make sure there was n't a math error and to confirm that there were funds available. Once I confirmed this, I attempted to pay my payment again on XXXX/XXXX/15. I was contacted around the XX/XX/XXXX by phone, by the company and they stated that they had not received payment. I explained to them that I had tried to pay twice and that the funds are in my account. At that time, the representative told me that I entered my checking account number wrong ( both times, the exact same way ). I told him this was impossible, because I do not even key my checking account info in, and that I always just use what is on file. He refused to admit that there was any kind of glitch with their automated system. When I called to pay my payment in XXXX, I made sure to listen to the automated system when it asked me how I wanted to pay. It does not read me the entire account number, it only asks if I want to use the account ending in XXXX. There is no way I could have entered the information wrong, all I did was say yes that I wanted to use the account that is on file. Now they are trying to charge me {$15.00} for each time that the payment did n't go through ( even though it never even touched my bank account ), plus a late fee, plus they charged me extra to pay by phone because the payment was late. In all the total fees are nearly {$60.00}, even though I tried to make my payment twice before XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Under Section XXXX of the Fair Credit Reporting Act ( FCRA ), I am disputing unauthorized inquiries on my credit report. Please remove unauthorized inquiries immediately.