23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX and informed the agency that my late payment was directly due to COVID-19 and a XXXX XXXX in my immediate family. They stated that only during COVID they would make an allowance for such circumstances. Despite this they reported the account late and despite numerous calls they failed to honor the arrangement and allowances under COVID.
Product: Checking or savings account

I was caught up in a scam that has affected many people other than just me. Below is my detailed account of being victimized. 

I am a US Military Veteran who have been on a job search for the past 6 months including placing my resume on many job boards such as XXXX and XXXX. I was approached via email by a hoax company named XXXX XXXX XXXX explaining how they saw my resume on-line and that I was a great fit for a work at home opportunity with contractual work involving other partnering hospitals. Once I seemed interested they began telling me about pay and health care benefits and the initial step I had to take in order to start my position. Next, I was sent a {$3200.00} through XXXX and was told to spend {$1500.00} on software and equipment needed and money was to be sent via XXXX to XXXX. When I deposited the check I assumed my bank would identify immediately that it was a false check, but the bank accepted the check thus causing us to be assured as well. Flags began to raise in my mind after transaction at XXXX and my looked up the company in detail and noticed that they were a fraud company running a scam. I immediately lost heart because the check was a fraud and I was back at being unemployed and bank account impacted by the situation. 

Help is needed on my family behalf who is suffering due to a fault that I was unaware of. Look forward to your response and immediate help due to now being highly impacted by Hurricane Harvey.
Product: Credit card or prepaid card

On XX/XX/2021 a charge to my Netspend account for {$88.00}. This charge was initiated by a XXXX purchase that I did not make. I called XXXX the same day and was able to get the charge canceled due to it still being in the pending status in my Netspend account. 

XXXX cancelled the transaction and everything was okay. As a precautionary I changed my password to XXXX, canceled the current card with Netspend and ordered a new one. Also reported that the charge of XXXX XXXX with Netspend, was indeed fraudulent as well. The next day I get a notification of a XXXX $ overdraft fee being charged to the account, at this time the account is now in the negative for XXXX or so. I called and spoke with a representative XXXX, I explained the situation in regards to my account with XXXX being compromised, I also informed her my XXXX cards were compromised as well to let her know I was going through a time where someone had accessed all of my information. XXXX said she understood due to the card being canceled there was nothing the company could do until I get a new card. I ended the call and received the card on Sunday XX/XX/2021. I activated the card, and saw that there had been no reconcile with this account. I called Netspend again on XX/XX/2021, per the representative that day, they have to take 45 days to investigate, upon that my account will still reflect in the negative balance. Due to me having my own check deposited in this account, the reprasentive assured me I would be responsible for the fraudulent charges when my deposit hits on Tuesday. I asked that the account be closed, the account was indeed closed and closed at a negative balance. Netspend shouldnt hold their customers responsible for fraudulent charges. I also have all of my documentation from XXXX as XXXX saw it was a third party user and not myself so I do not understand why I would responsible for this.
Product: Credit card or prepaid card

On XX/XX/2019, Citibank closed all my credit accounts including where I was an authorized user. No explanation was provided and when I attempted to request information, I was given a generic excuse regarding a credit reporting agency listing me as a high risk. After reviewing my credit reports I found NO deragotry information in the credit report.
Product: Credit reporting or other personal consumer reports

This account with more than nine years in my credit history contains inaccurate information in the different credit bureaus, which does not reflect payment history or date of first delinquency, indicating that the account was sold in XX/XX/year> without including who it was sold to. This inaccurate information falsely minipulates the statute of limitations.I am demanding a deletion of the following account : TRANSUNION : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX I received a letter from United Collection Bureau , INC XX/XX/XXXX I sent a debt validation letter via certified mail to UCB, INC XX/XX/XXXX I received a letter stating that XXXX the sister company of UCB, INC now owned the debt ( I was not sent any validation documents at that time ) XX/XX/XXXX I sent a default debt validation letter via certified mail to UCB, INC NO RESPONSE XX/XX/XXXX I sent out a second default debt validation letter via certified mail to UCB, INC NO REPONSE This organization is practicing unfair and deceptive debt collection acts by literally moving the alleged debt around between subsidiaries.
Product: Student loan

According to the information available at XXXX XXXX XXXX the federal government has implemented a policy stating that recertification dates falling between now and XX/XX/XXXX, will be automatically extended by one year. As my recertification anniversary is indicated as XX/XX/XXXX, I believe that, according to this policy, my recertification should not be due until XX/XX/XXXX. However, I have been in communication with MOHELA, and they assert that my recertification date is XX/XX/XXXX. They have informed me that I must recertify immediately, or I will be enrolled in the standard repayment plan. Despite my attempts to seek clarification and resolution, I have not received a satisfactory response, and my request to speak with a supervisor remains unfulfilled. I understand and acknowledge the importance of recertification and am willing to comply when appropriate. However, it appears that MOHELA is not aligning with the recertification structure mandated by the federal government. I kindly request your assistance in resolving this matter and ensuring that the recertification process is conducted in accordance with the federal guidelines. Your prompt attention to this issue is greatly appreciated. Thank you for your time and consideration. 
Follow up : I recently had another conversation with MOHELA regarding my student loan repayment schedule, and I am seeking futher assistance in resolving a discrepancy. During our discussion, MOHELA mentioned that my " soft recertification '' date is set for XX/XX/XXXX, and the " hard date '' is XX/XX/XXXX. Furthermore, they indicated that my next payment due and repayment option 's next tier commence on XX/XX/XXXX. Unfortunately, my request to escalate the matter to a supervisor for additional verification was declined, deeming my reasoning as " inappropriate. '' Upon reviewing the information available on the FSA website, I understand that my IDR anniversary date, or recertification date, is scheduled for XX/XX/XXXX. This contrasts with MOHELA 's assertion of a recertification date on XX/XX/XXXX, which coincides with the first payment date -- a month after the recertification deadline. I am seeking clarification on whether it is standard practice or appropriate for a " hard recertification '' date and the first date of repayment to align. I apologize for the frequency of my communication, but I believe providing comprehensive information is crucial for a clear understanding of the situation. Your guidance on the next steps I should take would be immensely valuable. Thank you for dedicating your time to review my concerns Most recently, my monthly payment has increased from $ 199 monthly to {$3500.00}, due XX/XX/XXXX, since I did not recertify - as the FSA webpage suggested I did not need to. 
I earnestly seek your assistance with this matter and MOHELA 's inconsistencies.
Product: Checking or savings account

HSBC has advertised that individuals who open an advance checking account and deposit {$10000.00} of new money would receive a {$350.00} bonus. I signed up for the bonus on XX/XX/2018 and received an e-mail that I had to open an account by sending a check to the XXXX office. I sent a check for {$25.00} on XX/XX/XXXX that was cashed on XX/XX/2018. I only received the account number several days later and made an ACH for {$9900.00} on XX/XX/2018. 

I called HSBC on XX/XX/2018 to inquire why I did not receive The {$350.00} bonus. I spoke to an individual named XXXX and have been told on all subsequent calls to HSBC that I had to speak to XXXX. On my call with XXXX on XX/XX/2018 I gave him all the information plus the invitation number. My last call with XXXX and HSBC was on XX/XX/XXXX, XXXX and all i have been getting is the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX B XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Multiple overage charges in the amount of XXXX cents by Chime when I used my debit and credit builder cards to do laundry at a hotel XXXX staying at. 

I disputed the overage charges through Chime and they claim there has been no fraud and refuse to reverse the overage charges. 

I disputed overage charges in the past with them, as this has been going on since XX/XX/XXXX and they reversed the overages. Now ( XX/XX/XXXX ) they are refusing to reverse the overages, Chime is also withholding funds in the amount of {$50.00} which was supposed to be returned to me XXXX days ago from a damage deposit at the hotel. The damage deposited was paid using my debit card.
Product: Credit reporting or other personal consumer reports

You violated my rights under the fair credit reporting act 15 USC 1681 section 602 A I have the right to privacy 15 USC 1681 A section a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose USC1681 section 604 A section 2 a consumer reporting agency can not furnish an account without written instructions .remove these late payments and update immediately
Product: Student loan

Hello, I want to complain about a PSLF program that Nelnet loan service provider did not honor. I contacted Nelnet in 2017 after paying my loan for 10 years ( 120 months ) without a delay in payments. I am a public service worker for nearly 30 years and had planned to retire soon. Once I learned of the PSLF program and checked my account with Nelnet, I submitted my certified information. I was denied due to my loan was not in the appropriate loan forgiveness program. I was told that I could move my remaining balance over to the right loan program and work ten additional years to get the PSLF. I thought this was extremely careless and disrespectful to share with me. Now I have to continue working to pay the remaining debt off. I believe Nelnet withheld critical information to its customers and did nothing to help its customers but take our money.

I hope there is something that can help those who have issues with this PSLF program. 

Thank you.
Product: Credit reporting or other personal consumer reports

I'm unaware of this debt and did not have the opportunity to dispute this account XXXX XXXX XXXX XXXX # XXXX! They should have provided me with proper notification about this account for before they placed it on my credit report! 

If XXXX XXXX XXXX XXXX has provided this information, please provide the CERTIFIED MAIL RECEIPT WITH MY SIGNATURE, DATE AND TIME supporting I received proper notification as required! 

I had Excellent XXXX XXXX XXXX plus! I was in the process of buying a house this account appeared on my credit report! PLEASE REMOVE AND ASAP OR I WILL TAKE LEGAL ACTION!!! As XXXXXXXX XXXX XXXX are in violation!!!
Product: Mortgage

OCWEN missaplied XXXX mortgage payments to XXXX payment due date, and they are reporting that we are 2 months in arrears. OCWEN purchased our loan 25 months ago, and we have XXXX cleared checks to them and a record of timely payments. They made entry errors on our loan, but are accusing us of being in behind -- and reporting that to the credit agencies.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I hired a lawyer and informed XXXX XXXX that I would be filing for XXXX  XXXX bankruptcy. The bankruptcy was officially filed on XX/XX/year>, and it was discharged at the end of XXXX or early XXXX. Despite multiple attempts to notify the credit bureaus that all collection actions should have stopped in XXXX after my lawyer contacted them, XXXX XXXX continues to report " late payments '' or " missed payments '' during the bankruptcy proceedings. This seems unethical, as it goes against my rights and undermines the very purpose of bankruptcy. I would like to request action on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

i am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX XXXX XXXX late payment XXXX, XXXX of 2022. 
In order to facilitate efficient proceedings and ensure all relevant information is accounted for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. 
Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transaction specifics. 
Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgments, and settlements. 
Pertinent correspondence, communications, or notices related to the chose in action. 
Any other documents or records that provide insights into the nature, ownership, or status of the chose in action. 
We appreciate your prompt attention to this request and ask that you provide the requested documentation within 7 business days. If you require further clarification or have any questions regarding this request, please do not hesitate to contact me. 
Thank you for your cooperation and timely attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under the following : 15 U.S.C. 1692 ( G ) Section 809 ( B ) 15 U.S.C. 1681b Section 604 ( a ) ( 2 ) 15 U.S.C. 1666b 15 U.S.C. 1681 Section 602 15 U.S.C. 1681a ( 2 ) ( a ) ( 1 ) 15 U.S.C. 1681 ( a ) ( 4 ) 15 U.S.C. 1681 ( b ) ( e ) 15 U.S.C. 1681 ( b ) 15 U.S.C. 1692 ( f ) 15 U.S.C. 1681n 5 U.S.C. 1681s-2 ( a ) ( B ) ( i ) ( ii ) Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A.

Violation of HIPPA Defamation of Character. 
XXXX, Transunion and XXXX reporting inaccurate information on same accounts. I have disputed several times, I have called multiple times, I have uploaded documentation to some accounts, I have written disputes of inaccuracies. This has caused denial of loans for my business and personal accounts. All disputes have been recorded on websites. I have also received preapproved credit cards and then denied from credit bureaus as well. 
Reporting a debt as charged off, when it was settled or paid. 
Reporting late payments when your payments were timely. 
Reporting old debts as new ones. 
Reporting that an account was active after it was voluntarily closed by a consumer. 
Inaccurate statement of balance due.
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 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 has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer report agency can not furnish a account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Sections 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 or other personal consumer reports

There are several inaccuracies in my consumer report that I would like to remove. There is an alias on my consumer report that I would like removed. XXXX and Experian continues to report inaccurate names. I disputed this on XX/XX/2024 for the second time. 

In addition, XXXX continues to report an inaccurate address and name on my consumer report after I have disputed the information. All XXXX companies are reporting inaccurate information and violating my rights to privacy as well as furnishing my nonpublic information without my consent.
Product: Credit card or prepaid card

Hello, I sent in the full total amount due on the account, this would pay off the balance on the account. I sent the check on XX/XX/2019. I recieved a letter in the mail stating I had a late payment on the account. I called and XXXX XXXX XXXX said they did not process the check until the XXXX, thus causing the late fee. It should not have taken 11 days to process a check. I was dudilligent and made sure to send the check early so this would not have happened. They forced the late fee into my account wrongfully. I should not have to pay a late fee that is at the fault of the company, not mine.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the inaccurate information was still found in my reports which I believe has been taken care of due to the written appeals I sent. My credit report is still showing late payments on XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information appearing on my consumer report that I did not provide written permission or instructions to be reported or furnished on my consumer report. I am requesting that the reporting of this information be blocked and deleted immediately. My request to block is not being made in error, and my request to block is not being made based on a material misrepresentation of fact by me relevant to the request to block the identified transactions. These identified transactions are not information related to any transaction by me, as the consumer. The reporting of this information is legally defined as identity theft. 

XXXX XXXX XXXX XXXX {$1200.00} XXXX ________________________________________ XXXX XXXX XXXX XXXX {$1100.00} - XXXX ________________________________________ XXXX XXXX XXXX XXXX {$870.00} - XXXX ________________________________________ XXXX XXXX XXXX XXXX {$630.00} - XXXX ________________________________________ XXXX XXXX XXXX {$150.00}
Product: Mortgage

The XXXX blocked me from going into my account and making the XX/XX/XXXX payment and I was told by XXXX  around XXXX  XXXX XXXX that the Loss Mitigations department locked me out of my account. I couldn't login. I called again and spoke to XXXX around XXXX and she indicated that the department of Loss Mitigations lifted ban, she stated that I can now go on my account and make my payment. I went back online and still could not pull up my account. She allow me to make a one time free phone payment which would have cost me {$12.00} plus my late fee of {$10.00}. I have a witness to the whole conversation. I have been making payments on time never 30 days late. The last payment I made was on XX/XX/XXXX in the amount of {$1300.00}. I needed help back in XX/XX/XXXX because of medical leave XXXX  and I applied for loss Mitigations. The underwriter proposed some type of trial payment plan for three months {$1400.00} and I refused and email them stating I wasn't interested. I have never been blocked before up until today. I still login my account. I have to deal with unpleasant people every time I call. The attitude I get from them is that they are doing me favors.