23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received an email about a loan/debt collection from a person claiming to be XXXX XXXX from National Credit Collections Collections & Legal Department XXXX XXXX XXXX # XXXX, XXXX, TX XXXX However, the email does not say who the original debt is supposed to be with and threatens legal action if not paid within 24 hours. The email also includes the last four digits of my social security number. 

I believe this is an email scam attempt.
Product: Debt collection

Truist bank called me with an outsourced. A person from overseas called me at XXXX oclock in the morning on a Saturday morning on the XXXX of XXXX XXXX information that she wanted could wait till Monday, Tuesday, Wednesday, Thursday, not Friday, Saturday, or Sunday. The personal phone sounds like the truist bank are outsourcing these calls overseas because it is cheaper for them. The person on the phone, drop the phone call. When I told the person on the phone that I was going to complain through their superiors, they did pretend not to hear So, I must use this XXXX because Im not going to sit up here and constantly get drop calls when I try to put in a complaint with them locally. It simply relates to them that is improper to call me at XXXX XXXX  on a Saturday morning when it is something that can be done during their bank hours. I would like to handle it between the bank on Saturday, but Im pretty sure the people I must talk to are not working on Saturday or Sunday XXXX : {$170.00} Date : XXXX XX/XX/2023 Time : XXXX XXXX
Product: Credit card or prepaid card

I ordered a bag from online merchant. I never received the bag I ordered, I tried to disputed the charge but my credit card company denied to dispute in my favor. 

Information : Name : XXXX XXXX SS # XXXX Company : Shell Fuel Reward Mastercard XXXX XXXX XXXX {$80.00} Transaction Date : XX/XX/2022 Account endind XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, my husband lost his job due to XXXX. Our mortgage payment was paid but it was late that month. We managed to figure out a new budget and have not been late since. I have asked Bank of America to please remove the late payment from my credit report citing the CARES Act. Under the CARES Act lenders are expected to not report late payments to credit reporting agencies or are waiving late fees for borrowers due to this pandemic. Also detailed under the CARES Act, lenders are required to report accounts as current. 

I've called Bank of America numerous times and they just won't help me with this. I have been told that I can sign up for a hardship program but that would only assist with future payments. I do not need to sign up for a hardship program to defer future payments. 
I am not asking for payment forgiveness or deferral. I'm simply asking to not be punished for XXXX late payment at the beginning of the pandemic.
Product: Vehicle loan or lease

On XX/XX/XXXX Lake Michigan Credit Union placed forced car insurance on a XXXX XXXX. On XX/XX/XXXX the loan was paid off in full and the car was sold. On XX/XX/XXXX spent XXXX hours on the phone with Lake Michigan Credit Union to cancel the forced place car insurance. On XX/XX/XXXX after receiving another letter asking for proof of insurance, spent XXXX hours on the phone with Lake Michigan Credit Union stating the loan was paid off and asking for a refund. They refused to accept proof of the payoff from the consumer, stating that it had to come internally from within the company. On Saturday XX/XX/XXXX, received another request from Lake Michigan Credit Union asking for proof of car insurance for a loan that doesn't exist on a car that is no longer owned. How an institution can not correct their records between departments within XXXX  hours is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint due to no response from the credit bureaus nor from the original creditors from previous request for investigation and validation. This issue is stressing me out, adding to the pressure that this pandemic is already has in me. The following accounts I am talking about : XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX fail to provide FORM 1099-C for a Charge-off// The lender must file form1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union, federal government agency, or other applicable entity as discussed earlier in chapter XXXX. 

The above paragraph is taken directly from the IRS 2021 publication.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
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: Vehicle loan or lease

During Covid I as like many could not make my car payment, I always talked to Santanders, they deferred my payments and put they to the back of my loan. In XXXX XXXXA drunk driver totaled my car. my gap insurance said had i made these payments .there would be no need for them to cover my car because my insurance company paid Santanders XXXX on XX/XX/XXXX XXXX let the balance of XXXX .But this balance is due to Covid. They said I have to pay that .my Car is totaled .I should not have to pay them this, because 1. My car is totaled,2. because it was Covid a national pandemic. Had that never happed. I would be getting money back. Please help me
Product: Credit card

Consistently, I've made sure payments on this account are made on time, preventing any overdue instances. I'm uncertain about the reasons for the late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, these should be rectified.
Product: Credit card or prepaid card

I was supposed to receive COVID-19 assistance from Fortiva, now I complained back in XXXX of 2021 regarding not receiving statements to be able to make statements. The only time I receive statements is when the account is past due and they have charged late fees to the account. I have contacted them regarding this same issue 4-5 times previous and it is the same thing. They will change the due date so called credit late fees ( which I don't see ) then I won't receive a statement again for 1-2 months. To me this fals under statutory lending, and false billing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX my Mortgage Servicing was transferred to New Rez-Shellpoint Mortgage servicing My new Act. # was XXXX. I was previously under a forbearance with the prior servicer XXXX XXXX Act. # XXXX. I contacted Shellpoint by phone i Early XX/XX/XXXX. I was due to make first trial payment on a flex modification which had been offered with XXXX and was told by Shellpoint Loss Mitigation that I could not make a payment before all of the paperwork transferred. Shellpoint also would not honor the previous Flex Modificaiton for which the first payment was due. I was told a new Flex Mod. would be offered by XXXX. I was also told there would be no negative credit reporting for 60 days under the RESPA Act. so there was time to get everything on track. On XX/XX/XXXX they offered the modification with the and my first trial payment was made on XXXX XXXX The due dates of trial payments were as follows : First payment : {$1300.00} by XX/XX/XXXX Second payment : {$1300.00} by XX/XX/XXXX Third payment : {$1300.00} by XX/XX/XXXX All payments were made prior to due dates. 

Despite the Respa protections and despite my being in the process of receiving a federally backed Flex Modification due to hardship caused by coronavirus Shellpoint reported the loan as 120 days past due for the Months of XXXX, XXXX and XXXX of XXXX, This reporting is counter to the requirement of the Cares ACT SEC. 4021. CREDIT PROTECTION DURING COVID19. This Act states that during the period of an Accommodation a borrowers account shall be reported as current the text is below. 

( ii ) REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current I am attaching the Modification Offer, a copy of 4021 of the cares act and my Credit Report. I am also sending the final paperwork completed in XXXX of the successful Modification.
Product: Consumer Loan

I purchased a prepaid skincare package through a company called XXXX XXXX XXXX. The package was financed through Fortiva. In XXXX of 2014, XXXX XXXX XXXX abruptly closed its doors leaving customers such as myself with outstanding bills for treatments that were never received. I had made payments on my Fortiva account until the provider closed. I stopped making payments because I did n't feel I was responsible for paying for services that I did not and would not receive. Fortiva has reported late payments on my credit reports is now threatening a charge off collection.
Product: Student loan

Was in year 3 of my XXXX degree in XXXX XXXX. I pulled out loans each year with Sallie Mae. Could not afford to pay for University out of pocket. I applied for year XXXX loans and was denied due to a " high loan balance ''. Now they want {$910.00} a month in repayment. Without a degree I am unable to find work paying high enough to afford {$910.00} a month and any attempt in having the loans put on income based repayment have been met with " we do not offer income based repayment on private student loans ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter by CFPB on XX/XX/2021, a response from Loancare, who stated this would all be repaired and could take up to 60 days, yet today, they reported my payment as 30 days late for XXXX, it isn't even 30 days past XX/XX/2021. Since my XX/XX/XXXX is still missing 77 points, XX/XX/XXXX is missing 7points and XX/XX/XXXX is missing 70 points and this isn't something they are taking seriously, I have now lost all patience for this matter and will be obtaining a lawyer.
Product: Credit card

I submitted a dispute for a XXXX charge and my account reflected a provisional credit of {$27.00} given on XX/XX/XXXX while they investigate. The funds never reflected in my account. I was then informed that the dispute was resolved in my favor and the credit given to me would remain on my account on XX/XX/XXXX. The funds never reflected. I track and pay very close attention to my account and have urged Apple Card support on numerous occasions to take a deep look at my account and they will find that although it says the credit was given, the funds never came and my balance never changed. Apple Card keeps saying my charges and payments match, but thats the thing, they should not match, they should reflect a subtracted amount of {$27.00} with the credit!!!!!!!! I am tired of the run around and no one is actually adding the numbers up and seeing that the credit amount is missing. This is fraud!
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 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 purchased my investment house around XX/XX/XXXX for {$150000.00}. I put 15 % down back then. As of XX/XX/XXXX my loan has a remaining balance of {$120000.00} ( 79.4 percent remaining ). The loan was sold to Amerihome Mortgage. I have filed XXXX requests to drop the PMI but per Amerihome via written letters I have to wait 2 years of paying PMI from the initial loan date and then have to do an appraisal regardless of what I have paid off already, and then submit a drop request again ( which takes about 40 days ). I have paid 100 % on time ( auto draft ), the requests were submitted via e- another e-mail and wait for a 40 day response via mail ( per Amerihome ). I have a perfect payment history. Every time I try to speak to someone about the PMI they say " This department is only available by e-mail ''. I have called multiple times and requested to speak to a supervisor and I have had no traction for the last 5 months. I am below 80 % paid off and I am eligible to have my PMI dropped, your assistance would be greatly appreciated. I will attach pictures later in this process.
Product: Checking or savings account

Ive been charged Navy Federal oops fees for no reason even when I had enough money to settle the charge. Ive also had funds not available through XXXX and didnt know there policy on those transactions because they werent clearly stated
Product: Credit reporting or other personal consumer reports

XXXX established services with me in XXXX. Account was closed years ago. 
XXXX reposted a delinquent claim in XXXX for {$160.00} that they knewn was disputed in XXXX. It is still showing on my credit report and was never listed as disputed. 

It showed up on the credit report when I went to purchase a new vehicle. This intentional and erroneous information caused my interest rate to be higher upon financing the loan.
Product: Credit reporting or other personal consumer reports

I am requesting an investigation into Transunion Credit Bureau, as they have violated the Fair Credit Reporting Act by willfully failing to investigate. Transunion is in violation of 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ).

Creditors in question : 2 ACCOUNTS FROM XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 

On XX/XX/year>, I filed a dispute on the Transunion website for the four accounts listed below. In that dispute, I advised the credit agency I believed these accounts to be inaccurate and requested the following documents be provided to me as part of the investigation to validate these debts : Full detailed list of payment history on this account, original signature I agreed to with this creditor, proof of ownership chain. 

On XX/XX/year>, I received an update from Transunion via email, advising the investigation had been completed and the debts had been validated. However, the requested documents were not provided to me and no evidence to support the investigation outcome was provided within the 5 days of the completed investigation, as specified in the Fair Credit Reporting Act. This is willful non-compliance. 

On XX/XX/year>, I sent a letter to Transunion via certified mail, again requesting documentation to support this investigation, referencing 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) ( which relates to consumer disputes of information on a credit report ). 

On XX/XX/year>, I conversed with 2 different Transunion representatives who advised they were unsure of why the documents had not been provided and one representative advised me to file a report with the FTC in order to get these errors removed from my credit report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and failed to investigate. My claims adequately. They informed me that recovering the lost funds was impossible and that tracking them was unfeasible
Product: Credit reporting, credit repair services, or other personal consumer reports

i was looking over my report and i noticed that address and phone number information was inaccurate or not mines XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express concerns regarding Zelles handling of disputes, particularly in light of the recent CFPD lawsuit highlighting significant issues with the platform. Even though I have used Zelle multiple times I have report the discrepancies the financial institution, and Zelle have failed to adequately investigate these discrepancies. 
They were saying that tracking these transactions were not feasible. They allow people to exploit the system and do not protect their users. The lack of unaccountability and transparency is unacceptable and raise a serious concerns for consumer safety.
Product: Student loan

This complaint originates from my ongoing attempt to receive my XXXX XXXX XXXX XXXX XXXX XXXX payment history from my current loan servicer Nelnet. My dealings with Nelnet have been nothing short of unacceptable. By way of background, my federal student loans were originally serviced by XXXX  XXXX XXXX ( XXXX ). Not too long ago, my XXXX account, including my XXXX payment history, were transferred to Nelnet. My XXXX payment history is not immediately available on my Nelnet account portal, and requires a request. 

Starting this past XX/XX/2023, I began a process to have a third party reimburse my past student loan payments. In order to process that request, the third-party requires the servicer 's payment history as a form of validation, i.e., I need my XXXX payment XXXX. On or about XX/XX/2023, I submitted a request into Nelnet for my XXXX payment history. I was told then that the approximate time was XXXX business weeks, taking until the beginning of XXXX to receive it. In both XXXX and XXXX, I called Nelnet to check the status of my request and was told that I should be receiving the payment history the third week of XXXX. In the third week of XXXX, I received a payment history that was woefully inaccurate and did not even remotely display my XXXX payment history. I immediately called Nelnet, who confirmed that the request was incorrectly done and that my request was still pending. I received no timetable as to when it would be complete -- being told that it was " in the queue '' and pending. 

On XX/XX/2023, I again called into Nelnet to check the status of my request and was now told that it would not be completed until XX/XX/2023, with the possibility of it being completed earlier. Given the mismanagement and ill-advised nature of this entire process, I stated that I wanted my request expedited but was told there was nothing I could do. Again, all I was told was that my request was " in the queue '' -- the same misleading, unhelpful, and unreasonable status that I have been given for 4 calendar months now.

Suffice it to say, the thrust of my complaint is the unacceptable amount of time it is taking for Nelnet to complete my request for my XXXX payment history -- an estimated 6 calendar months!!! And during this horrible experience, the misleading and inconsistent representations that I have been given.
Product: Checking or savings account

Robinhood has put a bogus restriction on my account. They have hundreds of thousands of my dollars frozen. I have repeatedly tried contacting robinhood through phone and chat support and have been told there is nothing the support team can do. Unbelievable that Robinhood feels it can steal clients money.
Product: Mortgage

Since XXXX 2015, I have been sending in " extra '' principal money on a monthly basis, requesting specifically that the checks be applied to principal. However, Green Tree Services does not directly do this. They put the money in " unknown '' accounts and when I contact them about applying the checks to principal, they always say it will take anywhere from 7 to 10 days to do this. Also, a person named " XXXX '' assured me that " she is watching my account ( for months now ) to ensure these checks go straight to principal payments. This is totally false, because as of yesterday, this problem is still going on. All I want is for Green Tree to properly apply my checks to principal as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with  Conn 's on multiple occasions in regards to the reporting of payments made on my account. I have pulled copies of my credit report and have noticed that Conn 's is not correctly reporting payments that are made to my account on time. There are months that were not reported or marked late on one c redit report while the other  XXXX  bureaus has the payment marked as on time. There is conflicting and incorrect information being listed on my credit file which is making it hard to aquire trust and credit from other comp anies. Conn 's representatives has not been helpful in helping to correct my report.  All three credit files reflect different information and I am being reported for late payments in months that I have been on time. Providing false information to the credit bureaus are against the law according to the FRCA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX XXXX XXXX are reporting on my credit reports that I am XXXX by listing my employer as " XXXX '' or " long-term XXXX '' and in doing so violates my right to have my personal health information/status protected under HiPAA. And also exposes me to discrimination by notifying creditors of my health status. 

No option is provided on either of the sites to remove this personal protected and privileged health information.
Product: Checking or savings account

I had an unauthorized charge on my debit card on XX/XX/22 for {$80.00} to XXXX. I spoke with someone at Huntington Bank and they told me that after research is complete, I can not find out who or how my debit card number was stolen. I did get a temporary credit of {$80.00} and then a letter saying it is being " researched ''. But I told the man at the bank I have a right to find out what the research and investigation will find. I want this information sent to me. He said that I can not find out that information, ever. 
Please tell me that is not correct. 
Thank you. 
XXXX XXXX. 
Cell : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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