23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Wells Fargo did not tell me that I personally had to submit an enrollment verification. I was told this was done through the clearing house and my enrollment in school would be verified. However they did not do this and my student loan was subsequently charged off at the end of the month. I received no phone calls from XX/XX/2016-XX/XX/2016. I received a phone call today stating that my enrollment verification was not received. Who knew that I had to send it in. I received an email from my school on XXXX/XXXX/16 that my registration was finalized and I was officially enrolled in school. I spoke to " XXXX '' who was very condescending and pretty much told me I need to own up to my faults and take responsibility for my actions. I find it very sad and disheartening that it took for my loans to charge off in order to get any type of payment help. But that is very much a different story. I have repeatedly asked for help to no avail. But I digress. " XXXX '' basically told me that I should seek another loan to pay them off or ask my job for the money. How unprofessional is that?! Regardless I set up payment arrangements to begin paying off on my wrongfully defaulted student loans. I think that this should be reversed and my loans put on an in-school forbearance. She solely went off of what the girl put in the system when she spoke to me. She is allegedly reviewing the tapes to see what was actually said. Let 's see if I get a phone call back. I still have n't heard back from XXXX and that was about 3 months ago. I am just frustrated with them. They have got to be THE absolute worst company to deal with. Their staff can be very combative and aggressive, nobody is every really very pleasant and when you call them out on their stuff, there is conflict. That is when they go on the defense and the conversation goes south quick. I hope maybe this time I can get some help or clear guidance on how this works, what was actually supposed to be done, and what the purpose of the clearing house is if they do not regularly check it. This is probably all over the place but I am frustrated and upset that this has happened to me. Somebody dropped the ball and now I have to pay. And of course it will be my fault, because with them the consumer is never right.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Reporting Act The list of accounts below has violated my friendly protection consumer rights to privacy and confidentiality a person may not furnish any information related to Consumer to any consumer report of agency XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX 
ACCOUNT # XXXX LXXXX XXXX. ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX. 
ACCOUNT # XXXX
Product: Checking or savings account

Hello, On XX/XX/XXXX I realized there were XXXX  unauthorized transactions from merchant XXXX XXXX. The XXXX  were reoccurring and the transaction added up to {$5100.00} I called the merchant but was only sent to a voicemail. I then filed a claim with Wells Fargo and this claim was open on XX/XX/year>. On XX/XX/year> ( which happens to be the XXXX business day ) the claim was denied, I was told Wells Fargo can not tell me why this was denied. 

I made an account with this merchant with my DL information but after doing research I found out that XXXX XXXX is an illegal offshore gaming website that i saw initially had a US address however the purchases say XXXX. I did not receive any coins nor did I benefit from any of these unauthorized purchases.
Product: Credit card

The Amex agent I was working with iterated an offer to me saying they would I can redeem XXXX points for the total eligible charges of {$700.00} and statement credit for it will be applied to account within 24-48 hrs. 

After agreeing to this offer, the agent then took over XXXX points from my account for {$700.00}. They had no plans to bring up this mistake until I brought it up with the agent.
Product: Credit card

On XX/XX/XXXX the charges started on my card that were fraudulent. I was contacted on XX/XX/XXXX that there was activity that was suspicious. A full XXXX days that somebody else was using my card for XXXX XXXX, XXXX XXXX memberships, and lots of XXXX dinners, where nobody ever has to sign or see anybody. I was rescinded {$1300.00} and that was great. Unfortunately Citibank now is telling me that I owe late charges and interest fees. I call them weekly for updates and never get anywhere. I am passed between Security Operations and Customer Service. They also re-charged charges that are XXXX ( which I don't use ) and a virtual fitness club. This is an absolute nightmare that just will not go away. The late fees and charges are {$130.00}. They have reported to the credit bureau a complaint that I have not paid my bill. I have had the card since XX/XX/XXXX. I have never missed a payment and and have always paid my bill in full. They have ruined my credit because of this. 
I have also filed a complaint with the XXXX Police Case number XXXX. 
I have no way of uploading all of the statements.
Product: Credit card or prepaid card

Capital OneXXXX action as a settler of disputes is always unfounded, discriminatory and arbitrary. 
I have a dispute with XXXX XXXX for an amount of {$32.00}. Although XXXX is not raising any issues, Capital One is intentionally and maliciously raising an issue that XXXX XXXX also credited my account. All it takes for Capital One to make such a ridiculous claim is look at my account, but refused to do so and just keep on adding back the disputed amount. 
Heres what transpired : XX/XX/XXXX Placed XXXX items order # XXXX with XXXX totaling {$78.00}. ( Receipt attached ) XX/XX/XXXX Two items were shipped charged my account for {$45.00}. 
XX/XX/XXXX Last item was shipped charged my account for {$32.00}. 
XX/XX/XXXX XXXX all items. A credit receipt ( attached ) was issued for the total amount of {$78.00}. 
XX/XX/XXXX Filed a dispute for {$32.00} and {$45.00}, total of {$78.00}. Received a total credit of {$78.00}. 
XX/XX/XXXX Capital One charged the {$32.00} back to my account maliciously claiming that XXXX already credited my account for said amount. 
XX/XX/XXXX Deducted {$32.00} after I filed another dispute. 
XX/XX/XXXX Added back XXXX. 
Capital One had been doing this arbitrary tactic even in the past. They are engaging in Unfair Trade Practices Act. Unless, I closed my account they will never stop the harassment of adding the disputed amount in my account. 
The {$32.00} that was charged back need to be credited to my account again as XXXX never issued that credit to my account as Capital One maliciously claimed.
Product: Credit reporting, credit repair services, or other personal consumer reports

A roofing salesperson ran my credit report ( hard credit check ) through Enerbank without my written consent. Enerbank violated my FCRA rights by allowing a credit report to be pulled without verifying that I provided written consent. 

I complained to the company - who sent me a letter saying that the loan application was cancelled. I never applied for a loan. Enerbank who also used the name XXXX XXXX, pulled a credit report and opened a loan account without my consent. 

As a result, my credit score dropped - which will impact my ability to get credit or favorable pricing on future legitimate applications. 

This practice must be stopped.
Product: Mortgage

For nearly two months I have been trying to get final approval and a closing date from Citimortgage, a division of Citibank ( Citi ), for a {$60000.00}, 15-year fixed refinance. It has been most frustrating and costly. I was given initial approval on XXXX/XXXX/2015. Initially the bank moved very quickly. Within a week, we had an appraisal for {$310000.00}, which was approved on XXXX/XXXX/2015. 

Then XXXX XXXX, the loan processor, stated that the money I was using to pay down my original mortgage with my current bank had to be liquid. I had it in brokerage accounts, an IRA, and a brokerage savings account. I wanted to move all the money into my brokerage savings account, but XXXX XXXX said that was n't good enough. The money had to be deposited into my current bank 's checking account, which I did immediately. 

The money was deposited in early XXXX. From that point on, things ground nearly to a stop. Since the money was deposited in XXXX, it did not show up on my bank 's XXXX statement. I had to get a partial statement from my branch, which Citi would not accept. I had to fax copies of my withdrawals from my brokerage accounts, etc. 

I kept emailing and calling Citi trying to get confirmation and a closing date. But they never responded directly to my questions. When I asked if they needed anything else, it would be several days before they would get back to me. 

To make a long frustrating story short, I have had nearly {$65000.00} withdrawn from brokerage accounts and sitting in a XXXX checking account without any interest at all. I have lost perhaps {$1000.00} - {$2000.00} in possible stock market gains and dividends over the nearly two month my money has been tied up. Also, the refinance rates have increased XXXX to XXXX points above my locked-in rate, which expires in about a week XXXX/XXXX/2015. If Citi takes longer than that date to set up my closing, it will cost me thousands over 15 years. 

I have attached copies of emails between Citi and myself from the beginning to the loan process XXXX/XXXX/2015 to the present. You will notice that from about XXXX XXXX to the present, I was actually " begging '' them for information and status updates. This is absolutely unfair. Citi does not follow a " good faith '' process. What they mean by " good faith '' is I, the borrower must be in good faith but Citibank, the lender does n't. 

If I go to another mortgage company, I will lose additional points on my credit score and will have to pay a higher interest rate. 

Please do whatever you can to make Citimortgage honor my locked-in rate and bring this refinance to a swift close.
Product: Mortgage

The original servicing lender was great, we made all of our payments with no issues or problems at all, so when my servicing lender switched in XX/XX/2022 without my knowledge & I did not receive any letters until after the switch. My daughter got XXXX  a few months prior so we were a paycheck behind on our funds, since I work in a XXXX XXXX, I was automatically quarantined for 14 days without pay when my daughter tested positive for XXXX. So when the XXXX payment with the New servicing lender was due, I called them to let them know my situation. They said we could due a COVID Forbearance, and push that payment to the back of the loan. I did everything they asked me to due during this process. I was told to call them back the following month so they could remove the forbearance and I could make the XXXX payment. I was told by whomever was helping me from the company that I had done everything I was required to do, and now I could continue to make my payments from here on out. So I continued to do so. But now from that time till now, I continue to receive call from them saying that I am a month behind in payments. They are charging me late fees. Then I will talk to another person from there company and they say " oh lets get this fixed '' they tell me whomever helped me in the 1st place didn't complete the Covid forbearance process and that is why I'm receiving the calls. They tell me everything is fixed now and I can continue my payments. Then a few days later they call me to tell me that I am a month behind on my payment and late fees will be added. You can look at my payment record and clearly see I have made every single payment, Except for the XXXX payment which was supposed to be put on the Covid Forbearance and places to the back of the loan. This is my 1st home purchase ever, and Round Point Mortgage that I was switched to without any knowledge, letter in the mail, or phone call, is making me sick. I'm constantly worried I'm going to have my home for closed on all because whomever I spoke place in the 1st place did not do there job to comete the forbearance process. I am sick of dealing with them. I have made every single mortgage payment, with the company before ( XXXX XXXX XXXX ), as well as with the current lender ( Round Point Mortgage ). I refuse to pay late fees or an extra mortgage payment because they did not due there job correctly. I want to get a new mortgage lender but do not know how to do so, since my original lender switched to the current lender without my knowledge or permission. PLEASE HELP ME. 
Thank you for your time. 
XXXX XXXX.
Product: Credit card or prepaid card

I received a notification from my credit reporting agency that my CareCredit account was over the limit. At first, I thought a fraudulent charge had been applied to my account. My payments have been set to AutoPay since inception, always on time, which further raised concern. 

After logging into the CareCredit online portal, I noticed a very large interest charge as being the reason for the overdrawn amount. When attempting to review statements to determine why this interest charge occurred, I could not find the credit agreement to validate the terms. 

In addition, I had never received a statement or notice from CareCredit nor was a statement available online. I sent a message requesting a statement and advising Syncrony ( the financier of CareCredit ) of the issue. 

I am concerned that the lack of sending notices or statements to your consumers advising them of interest rate increases or interest charges being applied on an " as of '' date is misleading and qualifies as a deceptive practice. Please review to remove the interest charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint regarding XXXX payment showing was 30 days past due on credit. I received feedback regarding months that were not in question. XXXX payment was due on XX/XX/XXXX payment was made XX/XX/XXXX. 29 days. Please delete incorrect reporting.
Product: Debt collection

I am being harassed daily by these people for a loan that is not mine but I somehow have the same name of someone they have a loan with. Nothing makes sense because my home phone # is not even in my name so I am unsure of how they even got it. My morgtage is current, my loan has not been sold. They are fraudulantly claiming that they have purchased my loan and I am behind and in danger of foreclosure. 

I am attaching the 5th attempt that I have now done in writing to get them to stop. At this point I need assistance.
Product: Vehicle loan or lease

I have financed my automobile through Nissan Motor Finance since XXXX of XXXX. I have a 5 year loan on my vehicle. My monthly payments were made via auto pay on time every month for 3 years without incident. In XXXX of XXXX, Nissan Finance, without any warning or notification, simply stopped taking my auto payments. I received no late payment notice, and only stumbled upon the fact that the XXXX payment was not taken when the XXXX  payment came due..by this time the XXXX payment had been reported to the credit reporting agencies as 30 days past due.
According to Nissan, although I have a 5 year loan, the auto payment option stopped at the end of three years and had to be manually reinstated by me via their website at that time. I had no idea, nothing in the loan paperwork tells me this. One might have thought they might have notified me that this was the case.
I have reinstated the auto pay, and all payments continue to be made every month.
Attempts to have the late payment removed from my credit report have been futile. I feel strongly that this should not be on my credit report, as I did not " miss '' a payment.
Product: Payday loan, title loan, personal loan, or advance loan

This is a charge off-write off account that is what's on the credit report. It keeps going up. 
the write off was in 2018 and this charge off account has double in the amount.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX I sent letters indicating all updated personal information after name change. With all appropriate documentation. 

No response or reflection ever appeared on my reports. Fast forward to today, XXXX  months after my bankruptcy has been discharge my credit score dropped XXXX points to pre-discharge range ; after it had been slowing increasing for over XXXX months. 

I have no open accounts, no new credit, no payments to miss or be late. But I did in the last month secure a co-signer which would have enabled me to get out of being homeless and now I have been returned to a pre-discharge state. 

These action happen to more than just me, in a plethora of varieties and these agencies lord over the futures of hardworking individuals and dictate the livelihood of millions of consumers and citizens with no recourse or responsibility for their actions. 

XXXX XXXX
Product: Credit card or prepaid card

This case involves Bank of America prematurely closing my long and excellent standing credit card in XX/XX/XXXX. This card was used for most of my financial needs and left me with a Hardship In XX/XX/XXXX I was a victim of Fraud and Identity Theft, I discovered that my t former girlfriend stole approximately {$110.00} Thousand dollars from my 2 Bank Accounts. She was threatened with arrest but agreed to make good on paying the money. She was making payments until XX/XX/XXXX. I then took steps to take action by filing a report with the FTC, US Secret Service and Bank Fraud Affidavits. 
While going through this process I received an Email and then a Letter in XX/XX/XXXX, informing me that they were closing my account. At the time my account was in Good Standing was a credit of approximately {$900.00}. When I called the Bank to inquire they never stated a reason but advised to reapply and a letter would be mailed stating the reasons. Upon receiving the letter outlining the reasons, I responded and disputed their reasons in a letter dated XX/XX/XXXX. 
To date Bank Of America have yet to respond and my account remain closed
Product: Debt collection

Debit was part of the lawsuit which was settled. I notified the collection agency of my attorneys names, but instead they demanded I provide court records.
Product: Debt collection

I have filed a complaint and received a response on XX/XX/18 that the company was still working on my issue, and they have 60 days to respond. My claim account # is XXXX. I received this notice in the mail today. Still no response to my certified letter, asking for proof that this debt belongs to me. I have never lived or drove in XXXX, yet somehow toll fees are attached to my name in XXXX. Please note the notice is " the third attempt to collect ''. I am upset that companies can attach a person to a debt without any explanation, and continue to send notices. I feel this company is harassing me as a consumer. I want this company to stop sending me notices to me until they respond to my complaint. I will not be paying this debt, and will gladly continue to dispute this even if I have to get a lawyer involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX bought mortgage from XXXX in XX/XX/XXXX, and info did not make clear my loan number already belonged to someone they already had. Payments were processed to my account correctly through XX/XX/XXXX, and then they did not show payments. They reported me as making late payments erroneously to Equifax. On XXXX XXXX XXXX showed my score with them as XXXX, on XX/XX/XXXX it lowered 4 points because I had a balance of less than {$250.00} on my {$8000.00} limit. Thought that was bad until it dropped 161 points to XXXX on XXXX because of one company 's incorrect info. 

I do not think that big a drop should be allowed based on one company, and, now that it is corrected and shows they know I have no late payments, I think it should be back in the 800s where we were before. I tried to submit a dispute with them, but it did not seem to take ... and then had someone call to survey my complaint with them. He gave me their phone number to dispute when told him my survey was negative since I did not even know it had gone through, but I found no option to dispute without going to their website, which said there was an error and to try again later. I stopped trying after several days.
Product: Checking or savings account

A check was deposited on XX/XX/23. Capital One originally stated the deposit would be available XX/XX/23 due to the amount of {$2500.00}. I got an email stating that was delayed until XX/XX/23 due to the amount of the check and the fact that it was the first one. I called the company on XX/XX/23 and told them I need the check cancelled if the funds wont be available. They refused and said theres nothing they can do.
Product: Credit reporting or other personal consumer reports

The full amount of my auto loan was paid off a few months ago, but in my credit reports ( XXXX, XXXX, and Equifax ) I see it is not paid off.
Product: Debt collection

Got a call from XXXX and someone named XXXX was on the phone, he stated that I owed money to his client and that they were trying to collect on it. When I asked what client, XXXX stated that I was notified by mail awhile ago and ignored the notification. I asked him again what was the name of the client so I could verify if I got the notification or not ; he refused to give me the information. He then asked me to verify my full name and address and he would send me out information related to what he was talking about. I refused to give him the information and at that point he advised me to have a great " XXXX '' day and hung up on me.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against TransUnion for reporting fraudulent accounts and inquiries on my credit report. Despite my previous attempts to resolve this matter directly with TransUnion, they have failed to correct the inaccuracies. Specifically, my credit report contains several accounts and inquiries that I did not authorize. These fraudulent items are severely impacting my credit score and overall financial standing. I have provided TransUnion with the necessary documentation, including an identity theft report, yet they have not removed the fraudulent entries. I am requesting that the Consumer Financial Protection Bureau intervene to ensure that TransUnion promptly investigates and removes these fraudulent accounts and inquiries from my credit report. Thank you for your assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XXXX XXXX, 2017 Closed Date -- Responsibility Individual Account. 
Balance {$1400.00} High Balance {$1400.00} Remarks Consumer disputes this account information
Product: Debt collection

This account was removed from the previous collection agency, due to the fact that i have never have a dish network service. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

Pursuiant to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, Case XXXX, XX/XX/2007 ( XXXX Illinois ) ; XXXX XXXX vs. XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case : XXXX C XXXX, XX/XX/2007 ( XXXX Illinois ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/2007 ( XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX is in violation by reporting that I'm delinquent in making my child support payments. First of all I have never been late with making payments. I recently discovered that they were in violation by seeing a notice on XXXX ' website that they had posted on their website before the removed it but it references that the law applies to all credit reporting agencies