23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

This is the second time this has happened since  XXXX . My unpaid interest was capitalized because FedLoan Servicing, the company managing my loans, did n't " receive my documents in time '' for Income-Based repayment.     In  XXXX , I began the recertification process on  XXXX   XXXX , sending documents to FedLoan Servicing. I was never told what date I needed to recertify by. So I started the process when I got an email telling me I should. I was told they did n't get them in time because they are so busy, so my unpaid interest was capitalized on  XXXX   XXXX . My balance jumped from  XXXX  to  XXXX . My next months payment was {$1000.00}. Then my plan would continue on Income-Based repayment the following month.     This year, I sent in documentation on  XXXX   XXXX  after receiving an email to recertify. I was emailed on  XXXX   XXXX , told my recertification was " on hold '' so I called the company. I was told that due to an error when I filled out the digital paperwork ( following the instructions on their website ) my recertification was on hold. And that it would n't make it through on time due to FedLoan Servicing being behind schedule. My interest would capitalize and my payment would be {$1100.00}. My balance is now {$110000.00}. And it is through no fault of my own.   Again.
This is unacceptable. I work hard to pay what I can afford and am being pena  lized unfairly by a company that has no interest in resolving my debt, but is more than happy to increase it. Even when it is due to their own negligence.     Because the scenario that is playing out is this. I pay what I can afford because my job does n't pay me much as I serve the public. But the unpaid interest that accrues is substantial because my job is n't as lucrative as it is beneficial to the community. FedLoan Servicing is incentivized to fail at properly scheduling things. It is incentivized to put my paperwork on hold. As any delay in the processing of my rectification means an increase in the principle of my loan. The higher the principle, the more interest they can collect. They know that I 'm struggling to keep up with my principle and interest payment, so they know I will accrue more unpaid interest. And, FedLoan Servicing is again incentivized to slow down the processing of my paperwork to, again, capitalize my unpaid interest. That means they can charge me more.     The proof is in my principle inflating from {$99000.00} in  XXXX  to {$110000.00} in  XXXX  despite regular on-time payments, multiple extra payments, and following instructions laid out by FedLoan Servicing.
Product: Checking or savings account

I have an account with chase bank. I transfer money online from my credit union ( XXXX XXXX XXXX ) and its an established transfer that Ive made in the past numerous times. And as of a couple months ago chase bank started to put holds on my transfers which goes against REG E since it is an online transfer. The money comes from my credit union as an ACH transfer and after its already sent from my credit union chase bank then puts a hold on it usually for three-five business days. They tell me that XXXX will be faster but I dont think using an outside transfer if service will help every time I call they dont give me clarity on why the items are on hold
Product: Money transfer, virtual currency, or money service

I received a call from Chase bank at XXXX XXXX on XXXX saying there was fraudulent wire transfer. I was asked to sing into any desk and chase. The person sent XXXX to XXXX XXXX in Florida. Chase said it is not fraudulent activity and won't help me
Product: Credit card or prepaid card

On XX/XX/XXXX, our son advised us that we could get XXXX hotel points if we upgraded our American Express Card ( with a new card ). We called American Express and the representative said that if we paid {$95.00} to upgrade our account with a new card, we would receive XXXX hotel points, if we charged {$3000.00} on our new card in 3 months ( which we did ) and that the points would show up in our account within 3 months. When we checked our account on XX/XX/XXXX, the points were not in our account and when we called American Express, the representative said that we were not eligible for the promotion and they would not refund our {$95.00} or give us the XXXX points. We were not interested in any other perks of the new card. 
I am sure that we are not the only ones who have been swindled by American Express and their fraudulent promotions. I think that they should be penalized and I hope that you can do it! 
An American Express statement showing the {$95.00} payment is attached. The promotion contract was all verbal with no discussion of eligibility.
Product: Debt collection

On XX/XX/2019 I received a judgement for wage garnishment from CREDIT BUREAU OF LEWISTON CLARKSTON , INC A Washington corporation. I had previously spoken with " XXXX '' at XXXX-XXXX-XXXX at wich time I requested documentation/validation of the debt consisting of the original contracts and history of acct payments etc. because I believe some of the information as inaccurate. I received printed receipts with no detail and no signatures on several accts, I waited a couple weeks then called them back to again request the original documents and " XXXX '' informed me that she had already put it through for garnishment. I had spoken with " XXXX '' about {$50.00} dollar payments biweekly once I had satisfactory validation of the debt and we were able to correct-any errors in the judgement as I did not want to agree paying an incorrect amount I wanted all the filings to be accurate before starting payments. she claims I did not follow through on my payment agreements however I simply wanted correct information before I submitted payment as some of the accts are a few years old. now I have to file a request to stop garnishment and believe this company is not entitled to garnish my wages. nor are they entitled to collect any monies from me as they failed to validate the debt and I would like to work with the original creditor that they claim they filed on behalf of
Product: Credit reporting or other personal consumer reports

Hi I have hard inquiries to my cridit report thats not belong to me I will like it to be remove I have XXXX hard inquiries thats I didnt authorize XXXX XXXX ( Finance ) XXXX ( Finance ) XXXX XXXX ( Finance )
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. 
Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for this account. 
XXXX XXXX and XXXX XXXX
Product: Debt collection

I received a State of CT Superior Court Small Claims letter to appear in court for Midland Funding/XXXX without any information pertaining to this debt
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX THE FOLOWING ACCOUNTS HAVE SEVERAL ERRORS AND ARE NOT IN XXXX COMPLIANCE UNDER XXXX TERMS DUARTION THERE IS MISSING INFORMATION. XXXX COMPLIANCE CONDITION IS QUESTIONABLE. PLEASE DELETE THE FOLLOWING INACCURATE ACCOUNTS : XXXX XXXX XXXX ( Terms Frequency ) XXXX XXXX XXXX ( Terms Frequency ) xxxxxx XXXX NATIONAL CREDIT ADJUSTERS XXXX XXXX XXXX XXXX XXXX XXXX SUNRISE XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Department of Ed / NELNET has placed XXXX accounts on my credit profile without my authorization. 

15 USC Sec. 6802. Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried contacting Transunion and XXXX about these unauthorized inquiries on my credit report, but have been unsuccessful. Attached are inquiries on my credit report I did not authorize and would like them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

A bunch of inquiries appeared on my credit report without me knowledge or consent. 
these inquiries are : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, APPLE CARD plus more.
Product: Mortgage

XX/XX/2023 ' got HELOC LOAN from UWM united wholesale mortgage. loan # XXXX $ XXXXtold interest only for 1st year, {$430.00} monthly.starting XX/XX/2023. i set up auto pay on XX/XX/2023 '. heard nothing from UWM until XX/XX/2023 ' when a letter stated they sold loan to XXXX XXXX XXXX # XXXX.i called XXXX to set up auto pay but told loan not there yet, wait until i get packet from XXXX  create acct. get new loan #. on XX/XX/2023 ' i was checking my banking acct 's & saw UWM on XX/XX/2023 ' UWM had withdrew {$1600.00} from my acct!! i called & was told i was late & XXXX & XXXX payments not made!! i said i had XXXX XXXX, no answer!!!! i called XXXX & again told loan not there yet. then on XX/XX/2023 ' i get letter from XXXX saying my loan was in XXXX, they wanted {$2700.00} + {$430.00} to get loan up to date!! i called & told them UWM messed up, i hade auto w/d, so how could i be DEFAULTING?? tehy didn't care, so i paid the $ . now if my auto pay was not set up, how did UWM withdraw the {$1600.00} yet not my auto payments for XXXX & XXXX?? ALSO when they sold loan where did that $ $ go because i hade to pay AGAIN for XXXX & XXXX, paid twice plus put my CREDIT AT RISK WITH DEDFAULT!!!! i'm at a loss??!!! i don't feel i did nothing wrong, both of these companies UWM & XXXX [ i filed a complaint against SLS with you as well ] are shady, i double paid, i have email showing UWM was deducting XXXX payment on XX/XX/2023 ', no mention of problem!?!?! THANK YOU FOR YOUR HELP!!!!!!!!
Product: Mortgage

According to the mortgage company they claim we have lapse in our hazard insurance policy and is not true I conctact my insurance company and spoke to them they said we was fully insurance the entire year nd they send me my declaration page I been insurance with this company for 3 years and the mortgage company claim that we had a lapse an claim that we paid them  XXXX  or they will make foreclosure on my property I send proof before and they stop harrasing me and know they start again here the evidence again please help me with this situation and do not altered the terms of my loan
Product: Credit reporting or other personal consumer reports

I was hit with a unwanted notice on my account in XXXX and it's in courts right now for selling lemons
Product: Debt collection

A derogatory marj on my credit report from debt collector Vance and Hoffman in the amount of {$3500.00} that a supervisor named XXXX XXXX XXXX, repeatedly yelled at me, threatened me and hung up on me when I requested documentation proving this debt was mine. And never sent proof
Product: Credit reporting or other personal consumer reports

My complaint is with XXXX XXXX XXXX XXXX XXXX with Mortgage and auto loan. 

In the annual credit review last XXXX, I can see that the mortgage balance has not been updated since XX/XX/2022. Also XXXX payments during the XXXX ACT were reported within 30 days. In XXXX of this year, I was a co-signer for a auto loan ; XXXX XXXXXXXX XXXX XXXX inquired about my credit on two occasions.
Product: Checking or savings account

I made 4 transactions at XXXX XXXX XXXX XXXX, on XX/XX/XXXX for XXXX mmount of {$790.00} each transaction On that time the merchant said there was a connection problem with the machine of the payment and my bank, so the transactions were cancelled. I checked my online banking and I didnt see any charge or pending transaction. So the purchase were cancelled. 
After 4 months the same merchant charged my account for the same amounts without my permission, and having the card locked. 
I reported this to my bank and they denied the case without any letter or information about the case. 
I called several times to know more about this and request to reopen, but on the 3 calls the call was disconnected, and the other 3 they said " we couldnt find your account '' something is XXXX wihout any sense. 
I need to have this fixed and clarified, I have my account overdrwan because of this problem
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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

Every morning, for the most part, I check my Bank of America online account. Today, XXXX, when I checked it I had {$6.00} and change. That's it. Then I checked it again, and the balance was {$1.00}. After a long day at work, I went to the ATM in XXXX, FL to make a deposit, and the balance was {$0.00}. Why doesn't this ledger reflect that? This online ledger is fake! It belongs to whom? 

So, I made a deposit, {$110.00}. The new balance became {$110.00}. I went to XXXX, {$9.00} and change deductions. Then someone hacked this fake online account and stole {$53.00} ; just like that. I didn't authorize this payment nor did it come from XXXX. XXXX payments always reflect FIRST THING in the morning ; and if it doesn't go through, they simply email you stating it didn't go through, we'll try again on the XXXX of the month. How can someone just steal {$53.00}? I suspect this was XXXXXXXX XXXX XXXX. Also, I checked my email and that's confirmation XXXX did not do this. XXXX do NOT run cards this late in the day. 
In conclusion, this " new '' card is not tied to my real account online or in general. A total crime! And who is anyone in XXXXXXXX XXXX XXXX  to run my card. 
This money, transaction needs to get returned because it was not authorized by me and it was not the Post Office who did this. 

Please have this problem fixed. 

XXXX XXXX XXXX
Product: Checking or savings account

I had a disagreement with Bank Manager regarding, transactions and overdraft fees that were charged to me incorrectly. I had available funds and bank switch order of processing charging me unreasonable amount of overdraft fees that I was not responsible for. Also was a unauthorized transactions that I did dispute so I shouldn't have been charged by bank. The branch Manager in XXXX, IA refused to return my money back and I then later got a call from customer service, I did miss the call. I then later realized that my funds were returned. Then I receive a letter in the mail stating the branch Manager was closing my account, without reason. I believe she did this out of retaliation, which goes against the Banking law.
Product: Credit reporting or other personal consumer reports

I NEED help getting this off my credit report by these CRIMINLAS, KIKOFF LENDING. There is no record for me opening, paying to join, or paying a fee to KIKOFF, yet it shows I made payments in XXXX, AND XXXX and missed a payment in XXXX. Account supposedly opened XX/XX/XXXX, yet showing a first payment made on XX/XX/XXXX, followed by payments in XXXX ( not reflected in any of my bank accounts anywhere ). That is the FIRST RED FLAG AND FLASE REPORT. I HAVE SENT NUMBEROUS EMAILS, MAILED PAPER LETTERS, CALLED, ETC. TELLING THIS TRASH COMPANY THAT THIS WAS NOT ME AND SHOWING PROOF THAT I ASKED FOR THIS TO BE CLOSED AND IMMEDIATELY DELETED IN 2 SEPERATE EMAILS IN XXXX AND YET YET AGAIN IN XXXX AFTER SEEING THIS WAS FRAUDULENTLY OPENED IN MY NAME ( TO WHICH I GET NO REPLY ). I didnt use THE {$250.00} from KIKOFF THEY CLAIM AND ARE CHARGING ME XXXX A MONTH FOR. THEY ARE DESTROYING MY LIFE OVER XXXX dollars! THEY ARE SICK! I wouldn't even know where to go to pay this. I am starting a petition to make sure these CRIMINALS get shut down and REMOVE the false information on my credit report. Please do research and see there are THOUSANDS OF PEOPLE IN MY SHOES WHO HAVE BEEN VICTIMS TO THIS SCAM. I did not open this account, I asked for it to be deleted in XXXX and XXXX. Account should have been deleted LONG BEFORE MY " MISSED PAYMENT '' THEY REPORTED FOR XXXX. I wont stop until this XXXX is 100 % off. This is illegal and erroneous reporting. They are fraud. I've asked NUMEROUS TIMES to be provided proof of my signature for this " loan '' and PROOF OF the {$250.00} used and have got nothing in 6 months. They have no working phone number. EMAILS GO UNANSWERED OR ARE ANSWERED BY ROBOTS and it seems theyve blocked my emails now. Please help. Attached are emails to them in XXXX and XXXX that went unanswered asking to close this account, a formal police report Ive filed and submitted to them for fraud/identity theft. Please do your due diligence. I BEG YOU TO HELP REMOVE THIS MISSED PAYMENT AND this entire ACCOUT IN FULL OFF OF MY CREDIT REPORTS AT ALL BUREAUS. I have attached a few emails but have HUNDREDS more. I DO NOT OWN THIS ACCOUNT. I have PERFECT payment history, I wouldnt skip a {$20.00} payment. It has ruined my life and credit bc now I lost the home I was purchasing bc it dropped my score XXXX points.
Product: Debt collection

Clearly Harassment and emotional XXXX. This has been going on for years. I went back, I have been dealing with this for years the last time they contacted me AGAIN XXXX, XXXX on and on and on. The statue of limitations is over. This was closed and then taken of my credit report. This is truly sad. They have nothing but, harass people.
Product: Credit reporting or other personal consumer reports

To whom this may concern : An agreement was entered into court and approved by a judge saying that I XXXX, XXXX XXXX am not responsible and not to be penalized for this account due to responsibility and liability being completely on XXXX  XXXX. This document was signed and agreed and verbiage is stated is in our settlement agreement. XXXX XXXX is refusing to remove this account. XXXX XXXX and I were legally separated and divorced when this late payment took place. This account has been paid off and closed and they are being evil and will not remove this account. Legal proceedings are being filed
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a negative that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these negative, including this incorrect information from my personal profile. A copy of my Utility Bill statement, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THESE FRAUDULENT ITEMS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the inaccurate and potentially unlawful reporting of account information on my credit file under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The specific item in question is an account reported by " XXXX, '' which contains conflicting and unverifiable data that violates federal law. 
Disputed Account Details : Creditor Name : XXXX Dispute Grounds : Inconsistent Reporting Violates FCRA 15 U.S.C. 1681e ( b ) : The high balance is reported differently across bureaus. 
Equifax incorrectly lists the balance as {$0.00}, which does not align with the high balance reported by TransUnion and Experian. 
The date of last activity is inconsistent across bureaus, raising concerns about the accuracy and verification of this account. 
Failure to Conduct a Proper Investigation under FCRA 15 U.S.C. 1681i : The account has not been disputed before, yet contains conflicting data that should have been corrected. 
If the furnisher can not verify the correct details with documented proof, the item must be deleted immediately. 
Case Law Precedents Supporting My Dispute : XXXX XXXX TransUnion Corp., XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case established that credit reporting agencies must conduct an independent investigation rather than relying solely on furnishers. 
XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : This case confirms that inaccurate reporting that remains uncorrected after notice violates the FCRA. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : The court held that failure to correct incorrect account information after a dispute is a breach of FCRA obligations. 

My Demands : Conduct a thorough investigation into this accounts reporting as required by federal law. 
Provide me with verifiable documentation proving the accuracy of this account. 
If verification can not be provided, immediately delete this account from my credit file. 

Cease all inaccurate reporting to ensure compliance with the FCRA. 
Failure to comply with these legal obligations may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action pursuant to FCRA 15 U.S.C. 1681n and 1681o. 
I expect a written response and resolution within 30 days, as required by law. Please send all correspondence to my address listed above.
Product: Credit card

My credit card was used to make unauthorized purchases after I had used it to purchase tickets to a XXXX using my cell phone. I purchased them on line at XXXX at XXXX EDT then starting at XXXX EDT I received notification of the unauthorized charges of {$10.00} at XXXX see attached schedule of unauthorized transactions. I called my credit card company to report these unauthorized charges and cancelled this credit card. 
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