23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

From XX/XX/2023 to XX/XX/2023 I have repeatedly called ( wait times were 2 hours or more ) and emailed ( not one acknowledgment or response ) Nelnet to correct the allocation of my loan pmt of {$2800.00} to the smallest student loan to pay it off. They applied my payment to the largest loan with the highest interest rate with smaller amounts to the lesser loans. They repeatedly told me it was under review, it was being processed, you will see the reallocation within the next week or 2. Until today, XX/XX/XXXX, they tell me they cant reallocate the money, because it would make the other loans delinquent - due date ( XX/XX/XXXX ). This is negligence and fraud on their part. They had plenty of time from XXXX, XXXX and XXXX to correct their error. I never had a problem with Great Lakes. Nelnet is atrocious and I have reported them to the U.S. Dept of Education Attorney General for fraudulent practices.
Product: Mortgage

XX/XX/XXXX - XX/XX/XXXX - BSI tried to foreclose on my loan after they refused to give me a loan modification. After the foreclosure failed, they attempted to force me into a Short Sale. I refused the Short Sale and asked for a reinstatement of the loan. I had all of the back payments because BSI refused to accept my payments from  XX/XX/XXXX -  XX/XX/XXXX .
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 XX/XX/XXXX - I was sent a re-reinstatement letter and breakdown of the fees associated with the full reinstatement of the loan. I was sent a confirmation that all fees have been identified and listed.
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 XX/XX/XXXX - Paid the reinstatement amount {$13000.00}.
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 XX/XX/XXXX - Paid first payment after reinstatement. Noticed late fees in the amount of {$680.00}. Asked for an explanation of the late fees since I had just paid all fees up to date in the reinstatement agreement. Have yet to get a reply of why there are fees.
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I have continued to make the payments without the late fees to keep my loan paid on time. I 'm looking for a resolve to this matter to explain why the charges exist? That they be removed? That the negative reporting to the credit bureau be removed because my loan was late due to the process of the loan modification, short sale and subsequent reinstatement of the loan.
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 for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the bankruptcy entry on my credit report, which I believe is inaccurate and not compliant with Metro 2 standards and guidelines. I request immediate removal of this entry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon reviewing my credit report, I have identified multiple inaccuracies with the reporting of this bankruptcy entry. These errors appear to violate both the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance guidelines for accurate credit reporting. The inaccurate reporting is damaging to my credit score and personal finances. Below, I outline the discrepancies : Metro 2 Standards Violations : Incorrect Date of Bankruptcy Filing : The bankruptcy reporting contains an incorrect or outdated filing date, which does not align with Metro 2 standards for accuracy. 
Improper Classification of Account : The bankruptcy may have been improperly coded or classified under the wrong category, making it non-compliant with the strict Metro 2 guidelines for reporting public records. 
Inconsistent Data Across Bureaus : The bankruptcy information is not uniformly reported across all major credit bureaus, which violates Metro 2 guidelines that ensure consistency and accuracy in credit reporting. 
Missing or Incomplete Public Record Data : There is insufficient documentation to support the continued listing of this bankruptcy. Under Metro 2, all public records must include verifiable information directly from court records. 
As required under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines, you are obligated to report accurate and verifiable data. Because this bankruptcy information is inaccurate, incomplete, or unverifiable, I am requesting its immediate removal from my credit report. 
Legal Basis : Under the FCRA ( 15 U.S. Code 1681i ), the credit bureau has a duty to : Investigate and remove inaccurate information within 30 days. 
Notify me of the results of the investigation. 
Since the bankruptcy entry violates Metro 2 compliance standards and fails to meet FCRA accuracy requirements, I am requesting the immediate deletion of this entry. If you are unable to verify the accuracy of the information within the 30-day window, this account must be removed.

I expect a prompt investigation into this matter, and I request that you notify me of the results within the legally mandated time frame. If the data can not be verified as accurate and compliant with Metro 2 standards, I request that you remove it from my report without delay. 

Failure to take timely action will result in further complaints to the Consumer Financial Protection Bureau ( CFPB ) and, if necessary, legal recourse. 

Thank you for your attention to this urgent matter. I look forward to your response and the immediate correction of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, XXXX Hard inquiries, 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, this was all pulled and added to my credit bureau without my wrighten consent and has violated my rights of privacy.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX. On XX/XX/2023, I came across a post on the social media platform XXXX ( XXXX XXXX XXXX  ) where someone was selling their XXXX handbag. Interested in purchasing it, I sent a private message ( PM ) expressing my interest. The seller added me on XXXX and provided me with the details of the bag. After confirming my decision to purchase, the seller provided a XXXX account named XXXX XXXX ( XXXX ). The confirmation number is XXXX. 

On XX/XX/2023, at XXXX XXXX, I used Bank of Americas XXXX function to transfer {$3000.00} USD to the provided XXXX account for the purchase of the XXXX handbag. Subsequently, I transferred {$430.00} USD to the XXXX account @ XXXX ( phone number last XXXX digits : XXXX ) as requested by the seller. 

However, after receiving the payments, the seller made various excuses and failed to send the purchased item. Additionally, the seller has disappeared since then. On XX/XX/2023, at XXXX PM XXXX, I reported the fraudulent transaction to my bank, providingg a detailed description of the entire process. Despite the 12-day period that has passed, I have not received any confirmation email from the bank regarding my claimthe claim number from Bank of America is XXXX Furthermore, I discovered on the same social media platform that other individuals have fallen victim to the same scam, with the scammer defrauding them of varying amounts ranging from two to four thousand dollars. Some of them have successfully initiated chargebacks through their banks, but my claim has not been processed yet.
Product: Credit reporting or other personal consumer reports

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 
Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Product: Debt collection

Midland Credit is trying to collect a debt from XXXXXXXX XXXX  which I never used a credit card from XXXXXXXX XXXX or applied for it.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code XXXX ( 2 ) and 15 U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code XXXX, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Product: Debt collection

Good day, In XXXX I started the search for a house. My loan originator was going through details and accounts that are currently active and reporting to find out that an account that to my knowledge was closed back in XXXX was reporting as delinquent. 
A brief summary : I started the process of a credit consolidation in XXXX for several accounts through a company called XXXX XXXX based in California. All the accounts were closed successfully, but somehow, the Citibank XXXX XXXX XXXX XXXX ( one of the multiple account I was consolidating ) did receive payment in full for the amount agreed to settle of {$510.00}. This amount was paid in two installments, first one in the amount of {$310.00} ( check sent and cashed by creditor ) and a second payment in the amount of {$190.00} ( same as other, cashed by creditor as well ) I have already provided these details and a handwritten letter to Citibank Payment Investigation Department. However, I am still pending for a resolution that could take anywhere between 30 to 60 days ... I HAVE TO WAIT?!?!?! I am trying to buy a house, and this account should have been closed in XXXX of XXXX. Now almost three years later, I am being treated rudely over phone ( worst costumer agents in general English speakers - Spanish agents are great ), I call to verify the received everything they have asked me for and they tell me they did not receive anything and that now i have to wait two months for a resolution. 
Resolution is simple. They were paid in full in a timely manner and they are trying to collect more money from me. They are and have been affecting my credit score for three years now. I have been subject to highest APR for everything. I want compensation and immediate resolution. I have everything, details and proof of account being settled in a timely manner and that they received and cash their payments. 

Please help me. This situation has affected me and my family long enough. 

Cordially,
Product: Checking or savings account

Someone opened a checking account with Chime.com using my name. I received emails indicating as much starting on XX/XX/XXXX. I disregarded them as marketing emails at first, but got a notification about a card being shipped that I needed to activate. I called the Chime.com customer service number to inquire on XX/XX/XXXX. 
I told the representative I had been getting emails about an account but didn't open one. I gave them my information, and the rep said that there was an account, which he had just closed. I was very disturbed by this, as it indicated someone had enough of my personal information to open a bank account. I wanted to confirm what information was used to open the account. The rep would tell me nothing. I tried to confirm that someone had used my SSN to open the account, but he wouldn't even confirm that. He said they would only deal with me if I got a police report. 
So I went to the police station to file a police report. They told me I was wasting my time, but I did it. I got the police report. 
I emailed the customer support address. They sent me a secure link to upload a police report or ftc identitytheft report and confirmation of SSN. I uploaded the police report and the SSN confirm. 
Since then they have been actively unhelpful. Every time I upload the documents, they immediately respond with the same request for documents. I've sent them the same documents 3 different times, to no avail. 
Occasionally I would get a different response. When I threatened to report them to regulators, they did send me an account statement- which was of course not what I was looking for. I told them this, and they sent me the same request for documents. 
I have about 35 emails going back and forth with no end in sight. I just want to know what information was stolen and given to them, but it seems to be company policy to never reveal it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my former job at XXXX due to XXXX XXXX XXXX XXXX, and after also reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I was sent to unemployment by HR. HR then lied to the state, saying I picked this, and my unemployment funds, ie. any income help during a global crisis to which I was suffering from at the time, were withheld for approximately 4 months. I spent this time on the phone, making calls to get into relief programs, etc., anything I could to save my credit score and not lose my good standing there too, as is all I have left after working very hard for years to get it to the mid XXXX. Wells Fargo was the ONLY company that did not have any options, but wasted approximately 3 weeks of my time, begging them with my situation for help. I was sent to one tier after another, then management, only to be brought back to the beginning of this call loop, making me now miss a payment when I was on hold in this circle of nonsense, with no solution other than a confirmed smear on my credit report. It will be included in the damages of my current lawsuit against XXXX multiple violations, and the ongoing domino effect it has had in my life. This is now negatively impacting my living situation, preventing me from getting my own apartment now that I finally have a new job. I have tried to dispute it through WF, however, only received a XXXX check from them months later for their 'failure to serve me properly during the pandemic, global crisis ongoing. ' Their dispute was settled in a matter of a week, and did not remove it from any of my reports, as they just confirmed they failed but put it on my shoulders. This nonsense is now on all 3 reports and is the only negative thing listed there, messing with my life further. Their lack of assistance during a global crisis to which I suffered from yet still made it my full time job to call all billings I had to make sure I did not suffer further was to no avail with this heartless company, Wells Fargo. I am working hard to eliminate any standing with them and close the account, but for now, need to continue my fight against their false report. I made every effort to remain in good standing and got help from all else but this company. They have taken action against me in filing these alleged missed payments ; I literally ran out of all my savings and had to ask family and friends to help me survive. Likewise beg billing services for understanding, adding more humiliation to a difficult situation. I should not be made liable for this, as is a false smear against me when this company simply did not act to assist anyone on a human level during a time of ongoing suffering in this world. give me my life back please and get rid of these XXXX missed payments ' I never missed. I literally lost everything, and WF seemed to go out of their way repeatedly to ensure I continued to suffer even more, and continue to.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX : {$8200.00}
Product: Checking or savings account

I am holding Checking Account with Bank of America way back from 2010 Last year in Covid due to personal emergency I had to withdraw the fund and due to which I went low on balance and I was started charging fees Due to personal situation I did not got a chance to review the account and was keep getting charged for 12 months around XXXX $ I spoke to them and request to wave the fees but they are not considering the same I had another saving account link to the same account and have enough balance but they are not considering that
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to you to complain about the credit reporting agencies and companies that have ignored request for removal. The following accounts are not mine and must be removed immediately XXXX, NC XXXX, XXXX XXXX, JPMCB Card. I am a victim of Identity Theft. I have contacted XXXX, XXXX, XXXX on 5 different times with no removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. Not only have I not given the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681b. I am prepared to file with the federal courts about the continuous back and forth with the credit reporting agencies who clearly know that they are in violation of the law. It clearly states that once I notify each credit report agency of my identity theft a removal of the account or information is to be removed while under investigation. I as the the consumer is also the person to identify this information for validation but not one person has called me to verify anything.
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 XXXX XXXX XXXXXXXX : # 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 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: Money transfer, virtual currency, or money service

We opened an account with mercury sometime in XXXX or XX/XX/XXXX. On XX/XX/XXXX ( shortly after we made a {$4000.00} deposit into that account ), we got a vague email stating that they could no longer offer us services and our account had been closed due to a breach of their terms of service. They also stated they were retaining our funds. On XX/XX/XXXX I emailed them and asked them to call me to give me more information. On XXXX XXXX, XXXX they responded with the same canned email that they previously sent. I responded to that email on the XXXX and asked what terms were breached and how we could access our funds. They responded again on the XXXX with the same canned email, but added at the end that its their final communication. I emailed them on XX/XX/XXXX and told them to return our funds or we would take legal action. I got no response. I sent them another email on XX/XX/XXXX telling them again to return our funds or we would take legal action. I got no response. I sent a final email on XX/XX/XXXX demanding our funds back, and this time I included the owners of XXXX, along with every Mercury email address I had. Ive gotten no response. They have over {$6000.00} of ours and we have XXXX information on why they are holding our funds or why they closed our account without notice.
Product: Checking or savings account

on XX/XX/2018 i deposited roughly XXXX into an atm on XXXX XXXX XXXX, XXXX, NY XXXX the machine gave back about XXXX then told me to take my card. i then deposited XXXX into the next atm but it didnt show an initial deposit. i talked to the bank and they are saying its going to take 10-45 business days to get my money back. that is too long. I need the funds today this is not fair to me.