23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to see inaccurate accounts on my credit report, and I have no idea why theyre there. I check my report regularly, but this time, there were discrepancies that appeared out of nowhere. I even refreshed my browser, thinking it was a glitch, but nothing changed. These incorrect accounts stayed on my report, and now Im left feeling completely lost. Im asking for the documents Ive sent to be thoroughly reviewed, so I can finally stop worrying about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2022, I discovered that Nelnet is continuing to report me for owing them for XXXX of XXXX student loans I had with them. Both of the loans I had with Nelnet transferred to XXXX in XXXX of 2022 and then to XXXX on XX/XX/2022 as a part of my Public Service Loan Forgiveness process. What alerted me to the inaccuracies on my XXXX and XXXX credit reports is the increase in the amount I owe for student loans. The amount increased from {$160000.00} to {$220000.00}. Nelnet is still reporting me as owing them {$59000.00}. This is not accurate. I no longer owe them anything. I disputed the inaccuracy with all XXXX credit reporting agencies. XXXX completed their " investigation '' in less than XXXX weeks and stated my loan with Nelnet was accurate. I then contacted Nelnet and explained what I was seeing on my dispute report. The Nelnet representative stated she didn't know why because " they '' haven't reported anything on my credit report since XXXX, 2022. I told her that I could see on the report from XXXX that Nelnet DID report that I owed them {$59000.00} in XX/XX/2022 and again in XX/XX/2022. I then told representative that I needed something in writing to show that I have a XXXX balance with Nelnet. The representative told me she could not send me anything like that through email. I then informed her that Nelnet did send me a transcript of what I paid them throughout the years through email without any issues. I then asked her if I should contact the XXXX XXXX XXXX and within a few minutes, I received XXXX separate emails from Nelnet stating I paid off my XXXX loans with them. I then did another dispute with XXXX and uploaded the emails from Nelnet. I then contacted XXXX and XXXX and there have still been no changes. This has caused my credit score to drop XXXX points. The credit reporting agencies are not doing their due diligence to help me ( as a consumer ) with this Nelnet inaccuracy. I have also reported this to my state 's Consumer Protection Division.
Product: Credit reporting or other personal consumer reports

As per the guidance of the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, bill, and letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, 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 the information from my credit report within XXXX business days, pursuant to section 605c of the Fair CreditReporting 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 Transunion. Please delete the following accounts. XXXX balance {$2500.00} - XXXX XXXX balance {$270.00} XXXX XXXX balance {$40000.00} - XXXX XXXX balance {$12000.00} - XXXX balance {$890.00} - XXXX balance {$970.00} - XXXX balance {$450.00} - XXXX balance {$690.00}. I have given you my identification as well as the information requested from the list of acceptable, which only XXXX are required per the law. I have provided all needed documentation as well as victim determination letter according to 1022.142 ( b6 ).
Product: Checking or savings account

I am sick of TD Bank 's fees. They charge fees for everything, maintenance fees, transfer fees, overdraft fees. They even charge a fee to provide overdraft protection even though I have a savings account I use to transfer money into my checking account when I am low on funds. I am so tired of fighting with them to try to get back MY MONEY, it's ridiculous. So, after receiving an overdraft fee on XX/XX/XXXX, I renewed my efforts to find another bank. I read an article about XXXXXXXX XXXX  doing away with overdraft fees and saw that it didn't charge many other fees either. I saw it had good reviews, so I started moving banks. At this time I was also changing jobs. On XX/XX/XXXX, I saw my car insurance payment pending. I hadn't realized it was due, so I called TD bank and asked that they decline the transaction. I was due to be paid by direct deposit to XXXXXXXX XXXX  and would divert the payment there. TD Bank told me there was nothing they could do. But I was eligible to have the overdraft payment waived once it posted. I called the insurance company, but they also said there was nothing they could do. Unfortunately, HR messed up the direct deposit and I was issued a check instead. When I deposited to XXXXXXXX XXXX  through mobile deposit, they put a 5-day hold on it, so it was not available until XX/XX/XXXX. In that time, another transaction came through TD Bank and I was charged another overdraft fee. My boss XXXX me {$200.00}, but when I tried to transfer it to XXXX, it triggered a 4-day review and I still don't have that money. Since it is too hard to get access to my money through XXXX, I am moving my money back to TD Bank, but I'm still facing the problem of them stealing my moneyby calling it fees! On XX/XX/XXXX when I got access to the check I deposited in XXXX, I deposited {$400.00} of it in TD Bank. I called them and explained the situation and that the customer service rep said that I was eligible for a refund. She told me and several minutes on hold that I was not eligible. I told her to pull and listen to the call. She said a judge had to issue a supenoa for external release. I reminded her that she works for the bank, which means she works internally. I think she was trying to scare me or intimidate me, like the bank was going to come after me in court or something. Like I'm that stupid to think I have some kind of legal liability. 

I have been laid off twice in the past year and have been greatly impacted by the pandemic. Banks like TD Bank don't care about people like me who have struggled because of the pandemic. All they care about is their profits however they can get them. This is a policy issue that CPFB needs to address through the rule-making process. 

XXXX XXXX XXXX XXXX XXXX XXXX  " Regulators ought to reconsider whether the overdraft product is really a loan, not a fee. The Consumer Financial Protection Bureau should also engage. Lending money and then recouping it later, plus something extra, is economically a loan. Calling it a fee may exempt it from certain regulations, but it does not change its nature. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus continue to report inaccurate information after their investigation. Im attaching all supporting documentation with all information so they can stop illegally reporting those inaccurate accounts on my credit reports.
Product: Credit card or prepaid card

Multiple credit card applications submitted in my name. Contacted companies directly to notify. Still outstanding inquires on my credit file from JPMCB.
Product: Vehicle loan or lease

My regular monthly payment amount is XXXX. I make partial payments every two weeks instead of monthly. The payment amounts range from {$170.00} to XXXX every two weeks. I called the company to have the extra that i pay applied to the principal owed not principal and interest. Which i am within my rights to do. They told me that their system would not allow this. I want this addressed.
Product: Checking or savings account

Due direct deposite, over 2 days of not recieving a paycheck. As a single working mother I require my check on time. My company submitted payroll as per usual on a non holiday week. With no warning of impending non payment I have since had to miss 2 days of work because I can not travel to or pay my child care provider. I also can not buy groceries, diapers, and due to late payment I will not have a phone line as of tomorrow. 
This is not a minor inconvenience. The financial ramifications of missing work will set me off for months missing just 2 days.
Product: Debt collection

Under penalties of perjury LIES and Fabrication of statements JPMorgan claims they have an original promissory note and mortgage signed by me to them which is a fabrication and false, lies. I never have signed any documents with them. 
For over 12 years they've called and harass me threaten me 2 and 3 times a day over 3000 phone calls. 
XXXX : XXXX, XXXX. 
We suffer from XXXX XXXX  now, XXXX XXXX XXXX, our grand kids are distinct now, this is all over the internet as delinquents. 
All I did was get a VISA credit disclosure from Washington Mutual which was terminated in XX/XX/2008 and never assigned to no one. 
Please HELP Help.We are retired and can't cope with this anymore PLEASE HELP ME ... 
They call my kids my grandkids my neighbors they come knocking on everyone 's home they harass us every day PLEASE HELP US STOP THEM we are old and retired and can not deal with this ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion violated my consumer rights under 15 USC 1681b ( a ) ( 2 ). They refused to remedy the situation
Product: Student loan

I did not consent to the department of education to release and provide my personal and financial information to the government. My account, loans, personal information, and financial information has been comprised due to information that was shared without my authorization. The Family educational Rights and Privacy Act ( FERPA ) protects my confidentiality as student and it is there right to safeguard my information. Due to the severity of my personal and financial information being compromised, I request that you immediately cancel and discharge my student loan debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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: Checking or savings account

I made a transfer from my account at Bank of America, on XX/XX/XXXX, to an account in my name in XXXX  for a significant amount and tne next day, they sent me an email canceling this transaction and as a consequence they bloked my account at Bank of America. 
I contacted Bank of America by phone on several occasions, providing all the documentation they requested, social security number, full name, passport number, last credit card numbers, as well as ssecurity number, bank account number. 
After several attemps by phone, i did not get any solution. I have been like this for several days and i have not received response. I currently have my resisdence in XXXX, and i do not have american phone number, so i am requesting help to solve the problem. 
Thank you
Product: Student loan

I have a private student loan serviced through Navient, with a co-signer, from XXXX. Had the co-signer not been paying the loan off it would have been part of the predatory loan settlement brought by several AGs a couple years ago. 

The co-signer is my ex-step father whom has been paying the loan for over 10 years, and was told by a judge in his divorce with my mom that he is responsible for it. As a single mom, who is already in a legal fight to get paid the child support/alimony I'm owed, I am unable to make payments on this loan. He has been the only one to ever pay on this loan. Now that he is no longer married to my mom, he intentionally stopped paying the loan so that he could try to work a settlement deal with them. Despite being a XXXX. This is where I am finding it hard to understand if this is legally available for Navient, because on the promissory note it states we are both jointly & severally liable for the full amount. They told me today that they approved him for waiver based on him letting them know I can pay it, despite the tax return information I have provided. 

While I have heard of a co-signer release, I have never heard of a co-signer waiver. Navient has just approved for the co-signor to pay a percentage of the loan off to have his name removed without affecting his credit, then leaving the remaining balance solely on myself even though I have provided evidence of not being able to afford payments. Nor would I be approved for a loan without a co-signor, currently. The supervisor even made a comment to me about whether or not I knew this would affect me being able to take the bar if I dont pay it, once they remove him. Once the co-signer pays the 70 % of the current loan amount, more than double of the original loan will be paid back to Navient. Even more, they offered to settle the loan for less than what they are accepting for the co-signor waiver. 

I have searched everywhere on the internet for information regarding co-signer waiver, cant find anything. I have tried to reach out to the top executives at Navient ( CFO & Chief Legal Officer ), regarding this issue, I have requested a signed copy of the original loan agreement, and no-one will email/call me back. While I have been provided the promissory note, they will not provide me with the full signed loan agreement. I was yelled at over the phone by a case manager saying they can do it but not explaining how, legally, where it is stated in the loan agreement. I feel like this is wrong, and was hoping you could maybe point me in the right direction.
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian about inaccurate negative information on my credit report regarding a settled account ( XXXX  XXXX  XXXX  ). This account was legally settled and closed in XXXX through a release agreement, and I have no remaining obligations. Despite this, Experian recently updated my report to show derogatory information on this account, including a Potentially Negative status and a payment history with late payments, even though the account has had no activity since XXXX. 

After I disputed this with Experian, they responded with a generic explanation of their dispute process, failing to address the specifics of my case or verify the accuracy of the newly added negative information. I requested a method of verification under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ), but Experian did not provide XXXX. This update appears to violate FCRA 607 ( b ), which requires credit reporting agencies to ensure maximum possible accuracy, as well as FCRA 611 ( a ) ( 1 ) ( A ), which mandates a reasonable investigation for disputes. 

This situation is similar to recent cases, such as XXXX XXXX Experian XXXX XXXX XXXX XXXX, where Experian was found to have failed in its duty to investigate thoroughly, and a recent class-action settlement where Experian was XXXX for failing to verify third-party information accurately. 

I am seeking the removal of the inaccurate negative information from my credit report, a full method of verification from Experian, and assurance that Experian will comply with FCRA standards in all future disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert that I got a hard check of my credit. I checked it out and XXXX checked my credit. I did not request this check at all. I am not a XXXX customer and have no intention of becoming one. Here 's the information provided : XXXX XXXX Request from : XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Since it was only a credit check and an account was not opened, I could not submit a dispute with TransUnion ( the credit agency checked ). I called XXXX and they said they do not have a fraud department and could not provide me with any information because I was not a customer. I called TransUnion back and they said that I needed XXXX to provide a deletion letter and I needed to also send them an authorization letter. I called XXXX back and they have a specific policy where they do not provide deletion letters. 

So essentially, I'm caught in a loop where TransUnion won't remove the inquiry because I need a deletion letter from XXXX and XXXX has a policy where they do not provide deletion letters. Apparently this credit check caused a 5 point drop in my credit score. I want it removed.
Product: Checking or savings account

I haven't heard back from the bank yet but they have been made aware today. I cashed a check at my bank and for some reason the insurance company canceled the check and it bounced four days after cashing it. However the check is in my name at the bank I have a checking account with and this bank decides to remove the funds from the check in my name from my minors dedicated funds account instead of charging my account. Clearly paperwork and account information states my XXXX is the owner of the funds deposited into this type of account. It's XXXX XXXX XXXXXXXX Which are entitled to my son. However the bank took the money from the check out of my sons account. Now my sons account is negative overdrawn and its due to this bank not removing funds from the correct account which is my personal checking.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are currently credit inquiries listed on my report that were not authorized by me : XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX, XXXX ( Transunion ) XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX ( all three bureaus ) XXXX XXXX XXXXXX/XX/XXXX ( all three bureaus ) I did not authorize or benefit from these inquiries.
Product: Mortgage

We purchased a new home in XXXX XXXX. At closing {$3600.00} was put into the escrow account of the mortgage and our monthly payments would be {$2100.00}. In XXXX XXXX we received a letter from the XXXX showing a XXXX proposed tax assessment of {$3200.00}. In XXXX XXXX we received an escrow refund check for {$3100.00} based on their annual escrow account analysis. In XXXX XXXX we received another escrow refund check for {$780.00} and letter stating that this was due to new information they had received from XXXX XXXX and that our new monthly payments would now be {$1900.00}. Then in XXXX XXXX the mortgage company paid XXXX XXXX tax bill in the amount of {$3200.00} ( the same amount shown in the letter we received in XXXX ) leaving our escrow account with a $ XXXX balance. Then XXXX XXXX, XXXX the mortgage company sends a letter stating that there is a shortage of {$2800.00} in our escrow account and that this is a projected amount and it XXXX increase next year. They gave us the option to pay the shortage amount now or to wait until XXXX XXXX to see what our new monthly payment will be after their annual escrow analysis. Unless we pay the escrow shortage our monthly payment will go back up $ XXXX {$300.00} in a few months. The escrow refund checks have been used to pay off debts and are no longer available. Also since our mortgage payment was lowered we took on some new bills for services we could not afford previously. These services are under multi year contracts ( example : XXXX internet XXXX ) and can not be easily cancelled. 
When speaking to the mortgage company about this, they stated that when they got the updated XXXX tax information in XXXX they did not trust or believe that it was correct, yet they went along with it anyways and lowered our payments and drained our escrow account to refund us. I do n't understand why they would n't follow up with XXXX XXXX if they did n't trust the information they got and how could they not get the same information I received at the beginning of the year. 
I feel this is very unfair since there was obviously a mistake made by others and we will be the ones that end up paying for it.
Product: Credit card

I am hereby writing to you with respect to the Citi Prestige card ( card number referenced above ) and the Annual Companion Ticket. 
I became a Citi Prestige card member on XXXX XXXX XXXX. Upon joining at this time, we received documentation from Citi Prestige indicating the applicability of the Travel Companion Ticket and its conditions ( refer attached ). 
XX/XX/XXXX, I was advised of some changes impacting the Citi Prestige card, one of which was to the Annual Companion Ticket. However, the documentation which I received from Citi Prestige ( refer attached ) indicated that the Annual Companion Ticket for travel to any worldwide destination and XXXX % savings on airfare must be booked within a year from your first cardmember anniversary date. 
When I read this, I was of the understanding as clearly stated in this communication that I would have until XXXX XXXX, XXXX to make my booking and be eligible to utilize the Annual Companion Ticket. 
In light of this on Sunday evening XXXX XXXX, I called Citi Prestige to understand the booking process for a trip I have planned for later this year with my wife. To my shock, the customer service representatives who spoke with me said that I was not eligible for the Annual Companion Ticket. What was also perplexing about this was that when I inquired as to why I was not eligible for the benefit, I was provided different reasons by multiple representatives, none of which made any sense including one representative who indicated to me that it was perhaps me who was n't comprehending the 'changes are coming to your Citi Prestige Card document even though this document clearly indicates the Annual Companion Ticket for travel to any worldwide destination and XXXX % savings on airfare must be booked within a year from your first cardmember anniversary date. 
In this respect, I will be filing a complaint with the Consumer Financial Protection Bureau and furthermore, I would like to highlight my disappointment in the customer service I have received with regards to this issue where I have been made to feel like I am the one in error. I am U.S. permanent resident who moved to the U.S. in XX/XX/XXXX. I have banked with Citibank since this time and also held a Citi Credit Card since XX/XX/XXXX and I have never been so disappointed in the Citi service, and ultimately their representation of their product. 
In summary, I hereby kindly request that Citi Prestige uphold my eligibility for the Annual Companion Ticket as is stated in their communication.