23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have a Federal Direct Plus Loan. I have attached loan paperwork to show that it is on a Standard repayment with fixed monthly payments for up to 10 years with a fixed interest rate of XXXX %. I have been paying that fixed monthly payment of {$190.00} for 5 years, and received an email from my Servicer ( Nelnet ) XX/XX/XXXX, stating that after a periodic review, they had to raise my monthly payment so that I would be paid off within the remaining term. Although the increase was n't that much, I had never heard of this happening, nor did most people I asked. I called the Servicer, and the 1st XXXX reps I spoke with had no idea why, then I asked for a supervisor who was n't much help either, then asked to speak with his supervisor. I was given many explanations. First, it was a miscalculation or mistake, then I was told that student loans are different than regular loans, and they can basically do whatever they want as it is stated in the fine print. When I asked if I could see the paperwork with the mistake and that fine print, they said they would n't be able to as they service too many loans. They actually told me that they were saving me money because they do n't always find these mistakes until the end of a loan, and if people ca n't pay it in a lump sum, then they have to go into repayment. I will admit that I had a couple of late payments, which when I called to pay them, I was told that my account was in good standing, there would be no late fee, and they did n't even report late payments to the credit bureau. I asked the supervisor if these couple of late payments were the cause of this and he assured me it was not. I contacted the Dept of Education who put me on to an ombudsman who basically said this does happen ... but he 's not at liberty to give info about these Servicers, even though I saw a lot of negative comments about my Servicer on the internet. I wonder how much oversight the Dept. of Education has over all these companies they use to service their loans. I have XXXX other Servicers, and worry that this could happen to the other Parent Plus loans we have, or to my kids Stafford or XXXX School loans which would be far worse as they and all students struggle to pay off their loans without this even happening. I have been advised by many knowledgeable friends to continue to pay my old payment so that I am not agreeing to their new terms until this is straightened out. When I call to make my payments, I verbally tell them this and they say they are putting it in the notes. But now they keep calling to say I 'm past due. And XXXX agent said they might report me to the credit bureau which they said they did n't do. I would appreciate it if you could please help me with this situation. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance XXXX {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance : {$960.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i don't know what are you looking at when you do my investigation on this account from XXXX # XXXX it clearly shows that it's inaccurate!! this is a violation of my rights according to FCRA ... stop wasting time and delete this!! date last activity XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, equifax XX/XX/XXXX... last payment : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX equifax XX/XX/XXXX ... ... doesn't look accurate to me...
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed my scored dropped. After checking my report I notice these accounts should not be on my report and need to be removed. I don't have a contract or own these accounts. 
XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXXXXXX XXXX XXXX {$670.00} XXXX XXXX, XXXX {$460.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX {$670.00} XXXX XXXX XXXX XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up for Complaint # XXXX. I spoke with a supervisor at EXPERIAN dispute dept and advised him I will be taking legal actions if the following accounts are not corrected to a positive payment history and balance zeroed out. I also demanded him to remove inquiries as well. Reporting inaccurate information on my consumer report is against the law and my right to privacy. It has also caused me severe hardship ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT OPENED ON : XX/XX/XXXX ACCOUNT BALANCE : {$140.00} ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT OPENED ON : XX/XX/XXXX ACCOUNT BALANCE : {$560.00} ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT OPENED ON : XX/XX/XXXX ACCOUNT BALANCE : {$350.00} ACCOUNT NAME : US DEPT OF EDXXXX ACCOUNT NUMBER : XXXX ACCOUNT OPENED ON : XXXX XXXX, XXXX ACCOUNT BALANCE : {$5500.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT OPENED ON : XX/XX/XXXX ACCOUNT BALANCE : {$540.00} ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT OPENED ON : XX/XX/XXXX ACCOUNT BALANCE : {$370.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT OPENED ON : XX/XX/XXXX ACCOUNT BALANCE : {$340.00} INQUIRY : XXXX XXXX XXXX XXXXATE : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX INQUIRY : XXXX XXXXXXXX XXXX  DATE : XX/XX/XXXX INQUIRY : XXXXXXXX XXXX DATE : XX/XX/XXXX INQUIRY : XXXXXXXX XXXX DATE : XX/XX/XXXXXXXX XXXX
Product: Bank account or service

On XX/XX/2016 I submitted a bill pay item in the amount of {$850.00} and as of XX/XX/2016 the payee had not received the check. I stopped payment on the item on XX/XX/2016 and was told various time frames by several telephone Rep when I would be receiving a credit back to my account. As of today XX/XX/2016, my account still does not have a credit for the missing bill payment. In this era of electronics I feel that Keybank is taking advantage of holding funds to retain interest in their holding account.
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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries.

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

Experian and XXXX XXXX  choose to automate their responses and limit their options and communication. It's frustrating to use a touch tone phone and not get the assistance needed. The lack of conversation is outrageous. Nothing is black and white especially when it concerns credit. 

Please address this.
Product: Credit card or prepaid card

Chase Bank recently screwed me on 2 disputes ( over {$1200.00} XXXX because of their mishandling of the complaint ( closing the dispute without reviewing the info sent by fax and mail ) and not caring. I have no desire to do business ( {$66000.00} in the past 31 months ) with them much longer. I am unable to get a new credit card because of the way they report to XXXX, XXXX, and XXXX. All three Bureau 's are receiving the information the same way for Balance, Scheduled Payment, and Amount Paid. 

JPMCB Card Services is reporting the Balance and Scheduled Payment each month to all three. JPMCB Card Services IS NOT REPORTING THE AMOUNT PAID EACH MONTH TO THEM. XXXX  and XXXX  is showing {$0.00} for Amount Paid while  XXXX  is reporting ND for no data. Normally this amount is paid in full or extra each month because I add up the future charges. 

When applying for new credit cards, my application has been rejected because there is no monthly " Amount Paid '' being shown on this revolving account.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you 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 company information from 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
Product: Mortgage

I sent my payment on XXXX via XXXX postal service to Provident Funding located in the city of XXXX XXXX, California. 

The payment is sent on the first of every month along with all my other bills. Provident Funding alleged they did not receive my payment prior to XXXX when they sent me a letter stating that. 
All my other bills were paid by then as all my other checks had been received by the corresponding companies and all my checks had cleared. I verified this information by logging into my bank account. the only check and bill outstanding was Provident Funding. 

I have never paid late, and I mean never. I do not have a single late payment with this company ( Provident Funding ) since 2007 or XXXX the record will reflect that as well. 

Once i received the letter, i contacted Provident immediately on XXXX and informed them of the payment. they advised me that the late fee will still apply in the amount of {$57.00} DUE TO LATE FEE. I requested to have it waive as it was not my fault the payment had not reached them as of XXXX. 

The representative was so rude and unprofessional, talked to me like if i was stupid or ignorant, raised his voice and denied me the opportunity to talk to a supervisor stating there was no need and payment had to be submitted and the late fee was not an option to waive as they do not have a late fee policy. if i did not pay the fee, they will added it to my balance and still pay it. the representatives name was XXXX and would not give me anymore information, he further stated it was not their fault that the US mail was late or lost my check and therefore i had to pay the late fee. he couldn't answer me when i asked him if it was my fault then. 

I was so angry about the treatment and late fee, I had my son assist me with paying the full payment via on-line thru their website the next day. it was paid in full via on line. 

On XXXX they sent me a letter and a copy of my check that I had sent on XXXX the letter states that my check had not been cashed/process because it had a stop pay. I never stopped the check and went to my bank and obtain proof that the check had never been stopped by me or anyone, The bank also notified me that my check had never been processed by any bank. My check is intact and has the date i wrote it on XXXX I want my fee waived and I sure that as lenders they are required to have a late fee policy as well as good cause for late fee waiver. 

Please assist me in getting this company to not charge me for the late fee and to stop trying to get people to pay this fee illegally.
Product: Debt collection

Calls me at least three times a day. This debt is from 2016, and says there is a warrant for my arrest.
Product: Bank account or service

I submitted a complaint in some time ago regarding monthly maintenance fees which went unresolved. As a result, in XXXX, through my online banking, I submitted an electronic message to BBT to close my account and send me a check or bill for money owed on the account. They failed to do so. Ultimately, the bank continued to charge my account maintenance fees despite my request to close my account.
Product: Checking or savings account

i was forced to register for an application called XXXX just to receive money that was transferred to me in the same way I 've done 100s of times. It was register or do n't get your money. 

Seems like BofA is trying to leverage their customers into using an application other than XXXX or XXXX, their competitors. 

I do not like being forced to use an application, this is probably an anti-trust issue as well. These banks are too big and bully people around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for this company by mistake ( online ) its a charge account that sells products I don't want and keep reporting to my account and I never gave them permission! 
Kickoff lending llc
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX the bank sent a check to XXXX for my insurance balance and re routed and delayed payment to prevent payment on time. Commiting mail Fraud by XXXX and I even have a copy of the delayed receipt. I have asked for explanation and I have yet to receive any explanation or acceptance of proof provided by their company. Also I would like to ask why, when I was on COVID relief. Why didn't I receive confirmation of that relief by mail or electronic mail. NOT once but twice this was extended to me but not reflected in the accounting sheet that truest mortgage submitted as part of a consumer finance protection bureau investigation and a FTC inquiry. Do you send anyone who has asked for help for a covid relief any papers confirming or denying their participation in a government program. Where does it say that I participated in this program? If you can not confirm can I see if my name was included on any paper sent to the federal government as part of this government program? Did you receive a text credit for allowing myself and others to be on a federal covid program. Where are the papers saying that I completed the use of this program twice. Why is it that while I was using the program you had accounting sheet set up as if I was behind in payments {$13000.00} in XXXX? But yet in XXXX I had successfully paid off requirement set forth by you and then received a late payment charge only in XXXX? Please explain this to me.
Product: Student loan

I filed my PSLF in XXXX of XXXX. I called XXXX and Nelnet in XXXX of XXXX and was told that everything is in order but it evidently takes over a year to process. I have been XXXX  since XXXX and making my payment since then, but have stopped making my payment. Now Nelnet is still sending me a bill. Is this legal to approve PSLF then still expect payments a year later? Sounds to me like Nelnet is stealing. When I call XXXX they say just waiting on Nelnet.
Product: Credit card or prepaid card

During the year of XXXX, I was a college student who currently wasn't working. At the time, I didn't completely understand credit and how it worked. So, I didn't make my payments for two months, but after those two months I have made regular payments to credit card since. This past year, in XXXX of XXXX I was overpaid by my job and that was all the money I had in my bank account and that same week I was paid my credit card bill were due on XXXX XXXX. So, for XXXX it was shown as a late payment for 30 days. I have since made payments for both accounts as well as sent a good will letter and reached out to both credit card company.I have also put myself on auto pay with each credit card company.
Product: Credit reporting or other personal consumer reports

OPPORTUNITY Financial has derogatory marks on all 3 of my credit scores stating I owe them money. I have no knowledge of even applying for credit with them, I called them to get more info and possibly pay off the debt and they have absolutely no information of me ever even being a customer and have no clue as to why they are on any of my credit reports. They still refuse to remove themselves from the reports.
Product: Debt collection

Upon checking my credit report on XX/XX/2017, I noticed XXXX XXXX had placed a Charge-off on all three reports XXXX XXXX, XXXX, and XXXX. I disputed these findings with the company and all three CRA 's on XX/XX/2017. I received a letter from all three CRA 's stating that the account had been validated, but got nothing in writing showing the validity of this account. The amount written off was supposedly {$95.00} but it shows as paid less than full amount of {$47.00}. I have received documentation from XXXX XXXX that this account was paid in full with a {$0.00} balance. I was never notified about this account being reported as a Charge-off. I would like this account removed from all three reports, or send validation of this account. XXXX XXXX never sent me anything in writing about the validation of this account except the letter showing paid in full {$0.00} balance. I have disputed this account 3 times with no results or explanation.
Product: Money transfer, virtual currency, or money service

I made an agreement with and individual to buy a XXXX XXXXXXXX XXXX XXXX XXXX We were to use a broker/shipping company to do the transaction. I sent {$13000.00} to the account given to me by the company ; XXXX XXXX, from my bank XXXX XXXX XXXX XXXX, to HSBC UK. XXXX XXXX was to arrange for shipping and when I received the car I would inspect it and then notify XXXX XXXX and HSBC that it was in acceptable condition and they could release the funds. The car was supposedly destroyed during shipping and XXXX XXXX said they would tell HSBC to refund the money to me. There were delays from them on the return of the money that they said was caused by multiple things but in the end there was no refund. I was in continuous contact with them and the seller but then after a couple of weeks there was no response. I tried to contact HSBC directly but they would not give me any information about the account and told me to have my bank contact them. I contacted my bank and they worked through XXXX XXXX ( the wire transfer company ) to get the refund back. Today, my bank said XXXX XXXX closed the case because HSBC already released the funds to the recipient ( without my permission ) and there was nothing else they could do. My bank ( XXXX  ) says there is nothing more they can do since XXXX XXXX is the transfer company. I have been trying for over XXXX months to get my funds returned. The agent at XXXX XXXX was XXXX XXXX and the seller was XXXX XXXX and the bank was HSBC UK.
Product: Credit reporting or other personal consumer reports

I kindly request that you block and delete this information from my credit report ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following account. XXXX XXXX account # XXXX nor XXXX account # XXXX. I DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within FOUR DAYS, as mandated by the FCRA. You are REQUIRED to provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified 4-day timeframe will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON-TIME status, in rigorous adherence to FCRA Section 611, which mandates accuracy and completeness in consumer reports. I have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to inform you that I XXXX XXXX XXXX am submitting this complaint and report of ID theft on my behalf there is no third party involved in this complaint. The following was not submitted in error. This is complaint is not to be opened as a dispute of any kind there has been no error made by the documents contained herein this complaint. Pursuant 15 U.S. Code 1681c ( 2 ) ( a ). Expect as other wise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of, included you will find FTC identity theft report, identity theft affidavit, copy of ID, utility bill, and social security card. I ask that you comply with Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquires, and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts pursuant to FCRA sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), and mail me a new credit report to my address of record below and place EXTENDED FRAUD ALERTS on my credit report if you have not done so already. Transunion does not have any permission or consent from I the consumer to furnish a consumer report.