23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

For months now, I have been patiently waiting for my account from XXXX XXXX XXXX to merge to my Nelnet account. But now, when I try to login, it says " user not found. '' But I am certain I created an account. And I am also certain that I'm putting my credentials in correctly. I proved it by adding my social security number and date of birth and it still says that there's no account found. And I know I've logged into it before when I first initially created the account before the merge process. Every time I try to call Nelnet, there is an egregiously long wait. At XXXX point, I waited more than XXXX hours and finally hung up because I have important things to do with my time then to wait and try to correct an issue that they themselves created. I have been trying desperately to either put my account into forbearance, or to have the lowest payment possible because I don't have a job at the moment. But thanks to their messed up system and a lack of customer service, interest keeps accruing and it is unfair to me that they are seemingly trying to steal money from me by forcing interest to keep accumulating. I feel as though they should offer me some sort of compensation in the way of waving a couple of months of payments or something because this has been more stress than I can take.
Product: Debt collection

They call about 5 times a day, early in the morning on weekends. My phone only rings once because its a robo dial but the name and number still pop up on my tv. 

Vital Recovery XXXX I called the number to have them take me off their do not call back list. The gal said " don't you wan to know what personal business this is? '' I said " NO, and that if there is a problem, I should receive something in the mail. ''
Product: Debt collection

On XX/XX/XXXX, I entered into an agreement with the plaintiff that would draft a payment out of my account once a month for the amount they are saying I owe. Shortly after this agreement I was served with papers that were a statement of claim. I filed an answer to the magistrate court stating that I have had a once a month deduction come out of my account to pay the debt they say I owe and I showed proof. I have now received a letter saying that I must go to court in XXXX or I will have a judgement against me. I have been trying to email and call these people since XXXX. I want this case dismissed because I am already paying and they draft the amount out of my account each month. I cant miss a day of work for this. I think they are not answering or responding because they want me to not show up and it be a judgment against me. They are sneaky and have been no help to me. When I have called I just get transferred to people that cant help me because they say its a legal matter. The court says that they will not dismiss the case unless they hear back from the plaintiff as soon as possible.
Product: Credit card or prepaid card

XX/XX/2019 XXXX XXXX tried to check my balance and received a message that the site was down. Message says American Express Serve website is offline. 
The site is down right now. You can still use your Serve Card while we are working hard to bring you the American Express standard of service you expect. We  appreciate your patience. 
XX/XX/2019 XXXX XXXX Tried to make a purchase and the card declined XX/XX/2019 XXXX XXXX Called American Express Serve and was told via automated response that they had system issues and could not process my call. 
XX/XX/2019 XXXX XXXX Called American Express Serve and waited on hold for 15 minutes. A person by the name of " XXXX '' answered and gave no information. He gave no ETA on their system and told me to call back in 2 to 3 hours. I explained to him that customers are being left stranded, sitting at stores where they have received services and now can not pay and he responded " call back in 2 to 3 hours '' This is not acceptable
Product: Debt collection

I am writing to formally submit a complaint against Exeter Financial for the following reasons 1.inaccurate reporting Exeter Financial has reported inaccurate information regarding my account to credit reporting agencies, This misinformation has adversely affected my credit score and financial stability.

2. Misuse of Federal Reserve Loans, I am concerned that Exeter Financial may be abusing loans obtained from the Federal Reserve it appears that these funds are not being utilized in a manner consistent with ethical banking practices, particularly in relations to accounts.

3. Abuse of Insurance Policy, Exeter Financial charged me and continue to charge me while collecting on the insurance policy that was supposed to insure the alleged loan. This practice appears to be and abuse of the insurance coverage and has resulted in additional financial burden for me. 

4. Exeter Financial is in violation of the FCRA and Privacy Act of 1974 as I havent received a Privacy Notice from them to be able to Furnish to my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Convergent Account ( s ) Name ( s ) and Number ( s ) : Account name : XXXX XXXX XXXX ; Account number : XXXX, Account name : XXXX XXXX ; Account number : 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 an account without my written instructions.
Product: Mortgage

XXXX lied send typed signatures that proved nothing. XX/XX/XXXX was sending a lady unannounced to my home that cussed me over the phone stated I was an XXXX when said the law stated I should receive documents prior to notoriety by a mortgage company. 
Now XXXX & XXXX, XXXX sends me notice of debt {$89000.00} XXXX XXXX soon to be ex husband owed less than {$78000.00} last year. Ive been asking him to sell. Im not obligated to pay it is in his name but entitled to half of sale. This is an illegal foreclosure. Documents signed XX/XX/XXXX for modification correctly at XXXX. XXXX. This is illegal and am not responsible for this debt. Tired of endless harassment/abuse not only by spouse but entities. Please help step in. This is not ethical or legal business practice. 
Thank you. 
XXXX bless, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Original creditor : XXXX XXXX, Account # 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.
Product: Mortgage

I have sent to Mr.Cooper numerous request for a payoff as well as request for information for other things that will help me resolve the loan and my servicer refuses to provide the information
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an Identitiy theft report to Experian via certified mail on XX/XX/2021, which they recieved. The affidavit was filed via the FTC which was in the form of an Identity theft report. They sent me a letter stating that they would not block the information I sent to block because they needed the identity theft report but they stated that they had the identity theft report. Federal law of the FCRA requires them to follow managed precedures and since I sent an affidavit reporting identitity theft they have mismangaed procedures in securing my information and furnishing my information to thrid parties without a permissable purpose. As the Consumer I have suffered from their mismanged procedures.
Product: Checking or savings account

On XX/XX/XXXX I was blocked from accessing my account for no known reason. I am highly upset with td and the way they handled this situation. Was on hold for over 30 minutes and treated rudely.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called EQUIFAX after i GOT a alert to check my XXXX..for NEGATIVE remarks..once i logged in i found that every single account with EQUIFAX was being disputed..i had requested on line ABOUT a week or to ago..to dispute 2 items..1 was with XXXX XXXX & the other with XXXX XXXX XXXXXXXX..1 WAS ON THE PHONE WITH 2 DIFFERENT REPRESENTATIVES AND THEN I ASK FOR THE MANAGER OR  SUPERVISOR.. 
I EXPLAINED THAT SOME ONE SOME HOW ON THIER END MADE A ERROR ON MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CREDIT CARD ... ALL THESE ACCOUNTS ARE MY ACCOUNT AND WAS NOT DISPUTED BY ME..I EXPLAIN THAT THESE ARE MY CREDITORS. THESE ACCOUNTS OR OPEN AND IN GOODSTANDING.. 
BUT THE SUPERVISOR INSISTED THAT SHE SEEN WHERE I WENT ON LINE ON THE XX/XX/2019 AND DISPUTED EVERYTHING ON MY EQUIFAX REPORT AFTER ABOUT A HOUR AND 1/2 I TOLD THE FEMALE I WAS SPEAKING TO THAT THEY WOULD BE HEARING FROM ME AGAIN ... WHY IN THE WORLD WOULD I DISPUTE MY ENTIRE EQUIFAX CREDIT REPORT IT DIDNT MAKE SINCE. 
IF I FILLED THESE DISPUTES ON THE XX/XX/2019 WHY IM I SEEING RESULTS ON XXXX..SOMEONE PLEASE HELP ME IVE HAD ENOUGH OF EQUIFAX AND THIER ERRORS ON MY CREDIT REPORT!!!!!
Product: Debt collection

My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being 30 days late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. I take this matter seriously, and I expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. As the creditors regarding the validity of the debt, but they did not provide any. As I am looking over my credit report, this account is incorrectly being reported as a late payment account. Please provide proof of the account was 30 days late and delete the negative payment status on this account. ALLY FINANCIAL XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have a credit accounts with Bank of America. Since 2018 I have been trying to solve a fraud that was committed with my credit card number : XXXX XXXX XXXX XXXX and I am still not satisfied with the responses I have received from the bank. 

The first time someone used that credit card was on XX/XX/2018, at XXXX # XXXX, XXXX, IL that day they paid a total of XXXX, then in that same place they paid XXXX at that same XXXX, on same day at the XXXX XXXX # XXXX store ( XXXX, IL ) they first spent XXXX and then they spent {$33.00}, then at XXXX XXXX XXXX they spent XXXX, then they used a XXXX XXXX  XXXX for XXXX and finally at the XXXX XXXX XXXX they spent {$28.00} for a total of {$2900.00}. To inform you of all the expenses of the fraud, I am attaching a document from the bank. 

I have my own car, so I don't use taxis, I don't frequent Down town, since I live and work in XXXX, so my life takes place in the XXXX of the city of XXXX, so I don't understand how these expenses were generated in my credit card. 

I presented my concern to the bank immediately when I discovered this situation, so I made a call on XX/XX/2018 and the bank decided to remove those expenses from my credit card, but the following month to my surprise they put these expenses back on me account, without prior notice, so I am not satisfied with this attitude of the bank towards me, I feel that this was mistreatment, I am deaf and it has been very hard for me to communicate with the bank in this management. So when I saw that the expenses had been placed again I went to the bank and then they asked me to make a police report, which I made and delivered, they spent a long time without answering me and then I received a letter from the bank without a date like in the month of XXXX is as more or less I remember and in that letter they told me that I have to pay the sum of XXXX without even an explanation about the investigations that the bank did to make this decision. 

It has been a long time but ago but I have heard from this Consumer Financial Protection Bureau and I have decided to open a complaint against the Bank of America and have this case investigated accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Few years ago my car and home was broken into and my identity was compromised and that lead to unauthorized and unknown accounts on my credit file. The thing with identity theft is that at times it appears to be you but as a victim it has you fighting for your true identity back. It's unfair that the credit reporting agencies report unverified accounts via by electronic Verification inwhich can not be used as proof. The major three credit bureaus are using outdated systems that constantly being hacked. Then the next thing you know your information is public knowledge on the dark web. I'm demanding that this account, ( 1 ) XXXX XXXX be blocked from my credit file immediately. The account is not mines and I'm requesting an detailed Method of the investigation into this matter, or you shall block this account ( XXXX XXXX  ) immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX, XXXX and Equifax, credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

On XXXX XXXX, 2022, I logged into my Nelnet account to set up a recurring payment ( " auto debit '' ) for my student loan. I noticed that the " amount '' field was set at the minimum payment and was not editable. I wanted to set up a higher payment than the minimum to avoid paying so much interest. The Nelnet website repeatedly references the possibility of " requesting '' a higher monthly payment but offers no instructions or links to do so. I made XXXX calls to Nelnet customer service. The first representative asserted that it was not possible to change the amount, but suggested setting up an additional monthly payment -- then acknowledged that doing so would harm my credit score. The second representative looked into the problem and suggested that it should be possible to edit the amount when setting up the auto-pay ( though it was still uneditable on my end ) and alternatively suggested setting up the auto-pay with the minimum monthly payment and then re-logging in to edit the payment amount once it had been set up. I attempted this but was still unable to edit the payment amount. I am concerned that this setup is trapping loan payers in low, long-term payment plans that maximize the interest paid. If Nelnet receives compensation or part of/all of these payments, that seems like a predatory scheme to me. The manual option ( logging in every month to make an individual payment ) seems much more prone to user error. Could someone please assist me in investigating this?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I notified Equifax regarding the tradeline XXXX XXXX XXXXXXXX. I sent in proof from XXXX dated XX/XX/ ( please see attached letter ). Per XXXX, the account was deleted however, Equifax did not remove the entry like they were supposed to, per creditor. They only updated my credit report. The account has already been deleted from XXXX XXXX and XXXX as promised by XXXX. 

On XXXX  I disputed the tradeline XXXX XXXX XXXXXXXX. I have sent several dispute letters disputing the accuracy of the last payment made and the balance. ( See attached dispute letters ) Equifax always replied back to me with letters stating that the information had been verified and was accurate. I sent Equifax a letter from the creditor proving that the last payment made, and balance in which they were reporting were inaccurate and false. Equifax ignored that letter as well and just simply updated their records and DID NOT DELETE THE ACCOUNT.
Product: Mortgage

Good morning, I'm writing to you for the second time now, in the hopes that you will be able to assist me with Chase. 2 years ago my wife became Gravely ill and it ate up all of our savings. She's better now and we've been able to get a hold of our finances. I've been trying for more than a year now, to modify my loan with Chase and have been declined four times. 

I've attached my income and expenses and you'll see that I have more than enough disposable income, to warrant a modification. However, Chase is NOW claiming that because this is a USDA Farm loan, my wife 's SSI income is not allowed to be considered part of our household income. This is ridiculous! 

Her income has always been part of our household income and it's the reason why we were able to get back on our feet. 

This file has been escalated to the office of the chairman at Chase. And, as of recent, I've been dealing with XXXX XXXX - XXXX XXXX Please assist with this!! I haven't been able to find anybody at the USDA Farm loan programmed to give me a straight answer on this - I strongly feel that it's simply Chase trying to muddy the waters and grab land.
Product: Money transfer, virtual currency, or money service

My Venmo account was suspended with no reason given. They asked for photo ID and a password change, which I completed. They wont answer when I ask why and their only response is they decided to permanently restrict my account. There is no suspicious activity and no reason for the suspension.
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. 

Account name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I paid off my debt to Convergent outsourcing. It was for a XXXX account. During the conversation with the representative I told them I would only be paying it if the collections would be deleted off my credit report and they agreed, they said it would be deleted off within 30-60 days. As of today it is still showing up on my credit report, I have called convergent outsourcing 3 times in the past week and talked with 3 different supervisors. They have all told me it will not be deleted and they do not care that someone previously told me it would be. They said they apologize for the wrong info but they will not be sending me a deletion letter. I am trying to buy a home and this is getting in the way of it.