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

My mortgage was purchased by Network Capital at the end of XXXX. In XXXX XXXX  I was informed that I was late on my mortgage payments, I had automated payments set up and didn't understand how this could be. I spoke with Network Capital to understand the issue, and they let me know that my payment had increased in the short time I had been with them. I informed Network Capital that I was not made aware of this change and would have adjusted my payments if I had. Network said that I would be able to see this from my portal. I let Network Capital know that I never could get access into the portal and Network Capital said that this is an issue others were having in my situation, XXXX XXXX XXXX 's customers that were now Network Capital customers. We eventually got portal access and then attempted to get setup with automated recurring payments through Network Capital now to avoid issues with payments increasing in the future. In XX/XX/XXXXXXXX  I reached out to Network Capital to get the credit deletion letter since my credit has been effected by Network Capitals errors. I also reached out directly to XXXX XXXX to file a dispute to repair my credit. Network Capital denied my dispute. I have since setup recurring payments multiple times in the last several months, however it wouldn't stick even though I have emails confirming the recurring payments had been set. I have more late fees because of the recurring payments failing and have had multiple calls with Network Capital to get this late fee wave that is causing me to show delinquency in my payments continuing, which continues to affect my credit negatively. I have had at least 2-3 calls on average to Network Capital each month this year. I have spoken to Network Capital supervisors ( XXXX, XXXX, and XXXX ) requiring that I get a call/voicemail within a week of our conversations to confirm that payment is received, I have never gotten a call/voicemail back. After talking with each Network Capital Supervisor I never hear back from the same person again. I had my most recent call on XXXX  and demanded that I speak with a Network Capital employee that is above the Supervisors I have spoken with, XXXX is the Manager that was not available to take my call and would call me back within XXXX hours of the XXXX PST call. I need all late charges waves, the recurring payments through Network Capital to stick, and for my credit to be repaired. This has frozen my HELOC with XXXXXXXX XXXX and caused me to spend hours during work hours. The current issue with Network Capital is task # XXXX.
Product: Bank account or service

On XX/XX/XXXX, I deposited {$440.00} to my checking account. The last XXXX digits of my account number is XXXX. I went to the WF XXXX XXXX in XXXX, N.C. I did not have any deposit slips so I gave my ATM card to XXXX, the teller. I told XXXX that I wanted to deposit that money in my checking account. About 4 days later, while checking my online account, I could not see the {$500.00} deposit. I called the XXXX branch and told them that I made on deposit on XX/XX/2017 that was not showing up. The person on the phone directed me to go to the bank. I went to the bank and talked to the service manager. I told her what happene. She looked it up on her computer and told me that the {$500.00} was placed on a loan that my son XXXX XXXX, XXXX has with WF. I told her that account was none of my business and that I wanted my money back. She called the loan division where the check was deposited. She told me that she was instructed to write a letter on WF letterhead explaining what happened. She told me that she was advised that when they received the letter, my money would be refunded to me. That has not happend. I have received the run around from WF. Each time that I have made an inquiry, I was told to call back in 2-3 days. It has now been over 3 weeks. I want my {$440.00} back.
Product: Student loan

I have many questions for Nelnet. 

# XXXX. I have attempted to call Nelnet several times, and their wait times are preposterous. The longest I've held is two hours before giving up. How can one be expected to wait that long? 

# XXXX. In XXXX though I had set up a monthly Auto-Debit online in the amount of $ XXXX, but I never received a confirmation number or email confirming that the XXXX will actually occur. Is this Auto-Debit set up? If so, what day of the month will it be occurring on? I believe I had set a day of the month when I set up the Auto-Debit, but I did not write it down because I thought I would receive some sort of confirmation. 

# XXXX. I submitted an application for an IDR plan on XX/XX/XXXX, but it is still pending. When can I expect this application to be reviewed and activated? 

# XXXX. As of Friday, XX/XX/2023, my loan balance started showing a status of PAID IN FULL on Nelnet 's website, and I can no longer see the individual loans. I am 99 % sure I do not qualify for loan forgiveness, and StudentAid.gov still reports I have a total loan balance of {$33000.00}. Of course, I would be delighted if I am wrong, and my loans have been forgiven in full, but I suspect this is not the case. I want to ask Nelnet : Why is my status now showing PAID IN FULL? Are my loans indeed forgiven? Or are they being transferred? If the loans are NOT forgiven, is interest still being accrued, even though I can not see my loans? If the loans are NOT forgiven, how am I supposed to make payments in the meantime? I wanted to call Nelnet to understand what has happened, but I have not had the time to wait on hold for 2+ hours to get someone on the line. I've seen stories online from others saying that the line drops anyway once you're finally taken off hold, so I don't see the point in wasting my time. 

# XXXX. I've read that Nelnet is worth over XXXX XXXX dollars, yet their customer service has been laughably poor. How is this legal? Why does this useless company deserve to earn interest from millions of borrowers who are working so hard to make ends meet, while Nelnet itself is allowed to be so absurdly incompetent? The incompetence is so extreme that it feels predatory. Can the CFPB do something about this? This consumer does not feel protected.
Product: Checking or savings account

My account from chime bank has unauthorized charges on it totaling XXXX. Chime closed my dispute and has sent no documents on why the dispute was denied. They say they are unable to verify the transactions. I opened a rebuttal chime just sends scripted responses and is doing nothing to assist me and have not provided me with a provisional credit. This issue has been on going for almost a month. All the charges were made to the same merchant who I have never heard of. I believe chime never did an investigation and closed my case the day before they had to issue a provisional credit. As they will not send any documentation proving an investigation was done. I have repeatedly received scripted responses from chime with no resolution in sight. All I want is my XXXX refunded to my account as I have never heard of this merchant
Product: Credit reporting or other personal consumer reports

Pursuant to 15 USC 1681i ( a ) ( 6 ) ( B ) ( ii ) Ive requested the method of verification and a copy of all documents pertaining to any investigation. Experian is reporting a XXXX balance on an account that is paid and satisfactory all while claiming they verified the balance is accurate.
Product: Credit reporting or other personal consumer reports

I have a company called XXXX XXXX reporting on my credit bureau that isnt mine it says I co-signed and that is not the case my name was forged onto these documents by a car dealership MY legal name is XXXX XXXX XXXX and has been since XX/XX/XXXX the Loan documents states that XXXX XXXX XXXX signed the document I was a XXXX from XXXX XXXX and I remarried in XXXX of the same year but my License state on XX/XX/XXXX I was issued license with the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX this vehicle loan was taken out XX/XX/XXXX for {$16000.00} by XXXX XXXX and XXXX XXXX XXXX XXXX XXXX a XXXX at that time when I called the company I pleaded my case to them I even sent signature samples and the guy told me no these are not the same signatures then I sent over my drivers license that pretty much solved the case because when asked did they have a copy of the drivers license for XXXX XXXX XXXX that supported the claim they said no and that is a must or everytime I have purchased anything I have had my license copied and attached to documents they had no income statements nothing but a signature and this has forced me not to be able to purchase or finance anything
Product: Credit card or prepaid card

Paypal Credit Line Opened in my name, fraud person charged ~ $ XXXX in charges on the card. XX/XX/XXXX card was closed by me when I called paypal.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. It appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have XXXX hard inquires on my credit report that I did not authorize and I would like them removed immediately.
Product: Debt collection

During the pandemic I had to make a decision to either pay my car payment of $ XXXX  monthly or pay my mortgage because Im a single mother of XXXX children. I decided to surrendermy vehicle to Chrysler Capital after numerous attempts to either lower my payments or refinance which they do not so I was receiving daily calls to make payment even through my job was uncertain. I explained my situation and asked why my balance in the beginning was around {$29000.00} and after three years of struggle to pay this huge car payment my balance barely ever decreased even when I was on time and continuously paying. Once I realize I couldnt afford the vehicle, the company towed the vehicle away. Some weeks later I got a letter about a auction to sell my vehicle during the absolutely worst economic time, they only received around {$6000.00} for my car. Then I received another notice stating actually the vehicle was junked for that balance Im not sure what really happened however the balance is still accruing causing my credit score to plummet from the rising unpaid balance.
Product: Debt collection

I had purchased an item in may couple months ago. I did not receive the item. I have been trying to fight this for months. I have email proof with the merchant which they knew i didnt. I think the package got lost. They could not even locate it. My credit card company has been so unhelpful. Barclaycard services. I dont think i should pay for something i DID NOT receive. Please help. They are scammers
Product: Credit reporting or other personal consumer reports

XXXX XXXX This is also completely inaccurate. 

XXXX XXXX XXXX XXXX I do not recognize this. 

XXXX XXXX XXXXXXXX This is not accurate. 

XXXX XXXX This is not accurate. 

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 XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have been in constant contact with Navient and have been making good progress with one loan that I can afford to make payments on. I have tried to make a payment arrangement, but the amount is way out of my budget. I received multiple email about the account and that if I did not do anything by the end of XXXX, they would report me 120 days late. I called and explained I can not pay full back payments due and need new payment arrangement. I was told if I paid XXXX it would stop the 120 days late reporting. I said I would try to come up with the money and agreed on the money coming out of my account on the XXXX of XXXX 2023. which it did. They still reported me 120 days late and when I called, I was told well I should have made the payment on the XXXX. Why would I call and be on the phone for 41 minutes and agree to a payment that " would stop it from progressing '' If the date I paid it in was one day to late??? I called Navient and got the " we will review the call '' XXXX  I am a grad student that now because of Navient can not het Finacial Aid due to their inaccurate information and their inadequate staff that fails to give the customer the correct information, It is not fair we can not have some type of retribution for their unfair and inadequate business practices. Again, why would I make a payment a day too late to stop the account from progressing to 120 days late?? This is a scam Navient only cares about their bottom line and has unfair and inadequate business practices. They should be stopped before they ruin more lives. I have had many problems with their accounting practices, I will pay an account according to the amount due only to be tagged with late fee even when the payment was made on time, and I was told I paid the wrong amount. I paid what their site said was due.
Product: Checking or savings account

On XX/XX/23, I decided to make a Chase Secure checking account and move all of my funds over from XXXX bank in a form of a cashiers check. I did not have any other Chase products except a Slate Edge card which allowed me to create a checking account using their online banking system. Creating the account was a smooth process and was told that my debit card would be arriving shortly. I decided that same day to step into a branch to deposit my cashiers check from XXXX  bank and was told that the funds will clear on XX/XX/XXXX. On XX/XX/XXXX, I signed on to my online banking to inquire about my account and received a pop up message suggesting that my account is blocked and for me to contact customer service. Once I called them, I was transferred to more than 3 people and when I finally got to the correct department was told that my account is under review and is going to be set to close in the next coming days. I was so confused because I got reinsured that this process would be seamless with the bankers I spoke to when I stepped into the branch to make the initial deposit. I was told that there would be not alternate option in me receiving my funds and that I needed to wait 5 business days until the account is permanently closed to receive a Chase cashiers check in the mail. I decided to call every day because of how stressed this has been for me and no kidding I received a different turnaround time and resolution from every different representative I spoke to. The day of writing this post, this is the 12th business day and just yesterday I spoke with a supervisor who stated all of this could of been avoided by the representatives by allowing me to pick up my funds in a branch. I was wrongfully advised and the request to release the funds is just now taken place. This is unacceptable. Chase is taking zero accountability. Every time I speak to someone Im being told to continuously patiently wait and wait with no proper knowledge of the process.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

To Whom it may concern, I am extremely unhappy with the recent finance charges charged to my Barclay card account. I applied to this card via XXXX solicitation. When I applied, I was under the impression I had 18months at 0 % to pay this off. Apparently, I had only 12 months at 0 %. Which was not made clear whatsoever! This is the first card I 've done online statements with and never checked them because I always pay each month on time and thought I had 18 months to pay it. I received no notification via mail, phone or online saying my 0 % was expiring. The only reason I noticed something was wrong was because my account balance was off. I 'm truly disappointed that no one could call or make it easily and visibly apparent my 0 % was up by putting it on the main personal dashboard page and/or in the online payment section. I feel duped and taken advantage of ... .bait and switch for sure! I 'm a good paying customer and will no longer be a customer due to this method of business. While I appreciate the partial refund, I do not believe I owe anything because I was not aware my 0 % was up and believe they want online statements to gain money from unaware customers like myself. I believe I am owed back the difference I 've been forced to pay in interest. They charged me the interest for the entire year because my 0 % was up ... I had money to pay in full but was going to pay monthly because I thought I had 0 % for 18 months. Almost {$200.00} ... Unreal! From what I have found online they have done this to many many customers!! Appalling and criminal!
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I was stunned to see accounts that simply shouldnt be there. I review my credit regularly, and its always been fine until now. Thinking it might be a simple browser glitch, I refreshed, but nothing changed. Given the situation, Im asking for a thorough check of my documents to make sure I dont have to go through this again.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account number ( please contact for ), has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A SEction 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer report late for any purpose.
Product: Debt collection

Why is this account reporting on my credit I didn't give them consent to take my information and use it to help themselves then they is the bureuas allowing them to do this they are reporting closed accounts updating balances making changes to my credit with dates opened and then changes my report adding new account numbers when it's the same account. 

Then the bureaus XXXX XXXX keep on just allowing them too. 

It has to be some type of regulation to help I think it's called FCRASection609 and section 611 Then I think it's a debt law thing that says they can't access or reporting false misleading info on me 15USC1692 Complete Credit XXXX XXXX Then another XXXX of the same thing XXXX XXXX??? 

Like how??. Delete all this stuff
Product: Checking or savings account

I have banked at XXXX for over XXXX years, recently with the assistance of the Bank Manager, I requested XXXX cashiers checks to be sent to a friend in Georgia to look at a few homes I had listed for him, once the checks were received in his bank a Fraud Agent at XXXX declined payment stating my age and mental ability, For a few days, I worked along with them freezing my entire account so that automatic withdrawals could not be paid, I was also not able to do a XXXX payment which I do XXXX  for XXXX I just had XXXX XXXXXXXX and then XXXX XXXX. I am an XXXX XXXX XXXX female, last Friday, XX/XX/XXXX I met again with the Bank Manager and an on line Fraud gentlemen, The man that has been handling my account was not present. When I left the meeting, I had told the XXXX people in attendance that I wanted the hold on cashiers checks lifted, and I understood that would mean that chase would sever business with me, I called XXXX times over the weekend to the Fraud Man, XXXX and de stated what i wanted to do, I also called this morning starting at XXXX XXXX and asked that he return my call and verify my request, He still has not called nor have my calls to Bank Manager been returned. I now believe they will not talk to me. I find this very unprofessional and even If they have suspicions about my account with my authorization, ,they should release my funds, I wanted to transfer my funds to an account I have at XXXX XXXX XXXXXXXX and then continue paying my bills but they will not even respond to me, I have tried Friday, Saturday and today with no success. They dont answer my calls and they dont return them, the money for the certified checks have already been removed from my account, I just want them to allow my receipient to cash those checks and let me leave Chase bank , why do I feel like a hostage,
Product: Credit reporting, credit repair services, or other personal consumer reports

My balances are incorrect my credit age is not reflecting! Reported Bad payment history is incorrect. Im unable to dispute online. This is Seriously hurting my credit as I am a XXXX XXXXXXXX XXXX  Veteran Attempting to purchase a Home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am Submitting this complaint with the CFPB due to Experian NOT being in compliance with the law of the FCRA section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. On XX/XX/2018 I sent a dispute letter to Experian on XX/XX/XXXX, I received a letter back of dispute results stating that the company that reported the information certified to Experian that the information was accurate. I went back to the original company/ courts and a administrator told me that the court does not provide any information to the Credit Bureaus. I also was informed from the court administrator that the 3 major Credit Bureaus gather or claim to verify information from a program or companies called XXXX, XXXX, and XXXX. According to the FCRA this is NOT verification because neither one of these companies are 100 % the ORIGINAL furnisher of these records! An with Experian doing this it goes against my rights as a Consumer.Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed. I demand that with my supporting documentation from the original furnisher that all public records be deleted and blocked from my Credit Report immediately. 

Thanks