23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I paid off my student loans in full on XX/XX/XXXX. The payment processed on XX/XX/XXXX. I realized that I accidentally overpaid by {$10000.00}, because the payoff calculator on Nelnet 's website I used to determine my final payment didn't take into account a payment I had pending. I emailed XXXX on XX/XX/XXXX and XX/XX/XXXX requesting help and provided my loan number and details about my case and got no reply. I used the website customer service form on XX/XX/XXXX to request assistance and got an automated reply asking me to call the hotline on XXXX. On XX/XX/XXXX, I received an email in response to something ( I'm not sure what ) asking me to explain my situation if my issue hadn't been resolved, which I did, and received zero response. I called Nelnet repeatedly the week I made the payment, and finally spoke to a customer service representative within a week of making the payment. I was on hold for at least an hour before speaking to the rep. That representative told me he would escalate my issue to management. I received no follow up. I called again in XXXX and spoke to a billing agent, who told me refunds take 4-8 weeks, which is totally unacceptable. I told her I can't wait months to be refunded {$10000.00}, and she told me there's nothing that can be done about it. It's been approximately 8 weeks and I haven't heard anything about my refund -- Nelnet should not be allowed to keep refunds for months!
Product: Checking or savings account

I became a victim of identity theft in XX/XX/2021. When I became aware of this, I filed a police report, locked down my credit report and posted fraud alerts to the main credit reporting agencies as recommended. In XX/XX/2021, I received a box of checks in the mail from TD Bank. I immediately contacted the bank to let them know I had not opened the account and request the account be closed. However, TD Bank had processed a fraudulent check for the account it now had a negative balance. I have spoken on the phone to both TD Bank 's customer service and fraud department. Neither are will to address the issue. They stated that I will have to wait for it to go to collections where the debt can be written off.
Product: Mortgage

Hello-I listed my home for sale in XXXX  and accepted an offer and sold it in XX/XX/XXXX. I had a deposit on a home in XXXX  to be closer to my elderly parents. Eighteen hrs before the closing on both homes my mortgage lender called to tell me they just found a second lien on my property for $ XXXX. I was unaware if this lien and was not able to purchase the home in XXXX. I had purchased the home in XXXX in XX/XX/XXXX and in XX/XX/XXXX was laid off from my job. Knowing it would be tough to make the mtg pmts I contacted my mtg co. XXXX XXXX XXXX XXXX. They told me that they would do a modification to help me. They would let me skip 1 yr of pmts and after that year they would raise my interest a point, lower my payment and bring me back from 29yrs to 30yrs. I was okay with that. They never told me that they would let HUD put an addt'l lien  for $ XXXX on my property. This lien never showed up on my credit report until 18 hrs before the closing. I did sell the home in XXXX  but had to pay the addt'l lien to HUD. I was not able to purchase the home in XXXX  and am living with a friend for now. I want my $ XXXX back from HUD. XXXX XXXX XXXX XXXX used unfair lending practices and when I contacted FHA the woman I spoke to told me that this was happening to a lot of people. Even if you include interest, PMI and my monthly mtg pmt for that 1 year if would only be around $ 12K. How did HUD get to put a lien on for $ XXXX? I am a XXXX yr old woman who has worked since I was XXXXyrs old, raised my son alone and put him through college. I am now still living paycheck to paycheck and do not know where I will be living in another month or two because of this scam HUD is using on homeowners. Please help me get my $ XXXX back. I have contacted Senators : XXXX XXXX, XXXX XXXX and XXXX XXXX. I have contacted the Attorney Generals Office and the Federal Reserve Commission. So far no one has attempted to get back to me on this matter. I have documents to back this up-will send upon request. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. I have submitted numerous affidavit info along with everything needed and yet they keep ignoring or not reading the information. XXXX  took care of everything immediately and for some reason XXXX  thinks they have a different set of legal guidelines apparently
Product: Student loan

Each month Navient charges me a late fee and my statement clearly shows I paid on time. I've asked for the Navient 's representative to to explain and help me figure out why. Each month I or my wife call and explained the issue. Navient respond by saying it's a glitch in their system. Or they put me on whole for up to 30 minutes which forces me to call back and and start the process over again. In addition, I've applied for Niavent forgiving loan based on me working for a non profit for well over 10 and when I followed up I didn't get much of a explanation from the rep Navient ... ... .Sorry you just don't qualify. Their custom service is awful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor has violated my rights for this account : XXXX XXXX XXXX XX/XX/2022 Stating that it past due of {$65.00} as of XX/XX/2022 which is reporting inaccurately. 

Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. 

I have attached my driver 's license with current proof of address on it to this complaint for faster processing.
Product: Mortgage

I am a homeowner who requested forbearance due to COVID circumstances for my rental property. The mortgage is backed by a USDA loan. During the course of the forbearance period I have been in contact with Wells Fargo to continue the extension multiple times and have asked on multiple occasions about the repayment plan after the forbearance ended and on multiple occasions, they have asked a series of questions to determine what type of repayment plans or protections I would qualify for once the forbearance ended and have on multiple occasions advised me that I would qualify for the junior lien as provided under the COVID protection since I have a USDA loan. Now that forbearance ended and I wanted to bring my loan current they all of a sudden advised me that I qualify for no repayment plan and the USDA protection they previously advised me that I would qualify for once placed out of forbearance no longer applies because it is not my primary residence. This was misleading and truly an unfair practice by Wells Fargo, and to tell me that I am not protected under the COVID USDA guidelines I believe are untrue and I should very well be protected under this protections during the pandemic that was there for all homeowners and not just homeowners who are only primary residences.
Product: Credit reporting or other personal consumer reports

I have disputed inaccuracies with XXXX XXXX XXXX reporting inaccurate information to my credit profile. They have knowingly been reporting inaccuracies to all three credit bureaus. Last year XXXX did delete the account from XXXX XXXX XXXX due to them constantly reporting inaccuracies on my credit profile however, XXXX XXXX XXXX is still reporting inaccuracies to XXXX XXXX and Experian. I have disputed this with them as well however, nothing has changed every month. Every credit report, my credit profile is showing inaccuracies from XXXX XXXX XXXX. 
XXXX XXXX XXXX is literally reporting whatever they want whenever they want. They dont care about if what they are putting on my credit report is real or not its damaging to my credit, and my credit profile is misrepresenting my credit profile, and I do not authorize them to do any of this. This is causing extreme loss and a great loss to myself stress and just being completely exhausted with this not being resolved. 
I am asking that XXXXXXXX XXXX XXXX be deleted from both Experian and from XXXX just as it was from XXXX they will continue to report inaccuracies on my credit report, which is damaging for me. I have contacted this company I have disputed this company. I have proof with multiple different credit reports showing XXXX XXXX XXXX reporting whatever they want any date they want any amount they want theyre even making false reports to my credit profile stating that Im making payments to them or reporting fake last payment dates to them and that is all and inaccurate false, and lie. I also have the proof of XXXX removing XXXX XXXX XXXX from my credit profile last year. 
Please have this company blocked and deleted from my credit profile.
Product: Student loan

I overpaid on some of my student loans and then some student loans were forgiven through the PSLF. I had asked when the overpayments were going to be applied to the student loans who have not been forgiven yet. I was provided a vague response after waiting for an email response from MOHELA for more than a month. They have an over payment yet I am receiving punctual monthly bills to pay my student loans without an adjustment.
Product: Debt collection

XX/XX/2019 - Called and threatened to arrest me at my job, also told me to go XXXX XXXX XXXX myself. I attempted to offer a reasonable repayment plan and was told to XXXX XXXXf.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service which violates the Consumer Financial Protection Act ( CFPA ). Cash App failed to take effective measures to prevent and address fraud on their platform leaving my account unprotected and vulnerable which is unfair practices on their part. Their dispute resolution process was deceptive. They did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. Unfortunately this lead to me having financial loss and significant inconvenience. I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

This account was open by mother I was trying to get under her account when I was XXXX old I was denied now its in my credit I never had a Bank of America account
Product: Credit reporting, credit repair services, or other personal consumer reports

US DEPT OF EDU XXXX & XXXX Unpaid student loan collections. Please request XXXX at ( XXXX ) XXXX they correct the reporting on these accounts as these accounts should not report delinquent as student loans are covered under the COVID RELIEF ACT until XX/XX/2023.
Product: Debt collection

I have discussed with XXXX XXXX XXXX on several occasions about the multiple phone calls and emails that i have been receiving. The first time was in XX/XX/2018, i received a rude and very disrespectful call from numerous employees from that company requesting payment on my car note. I let them know that i am not able to pay at the moment and the representative continued to interrupt and make numerous threats to me if i did not make the payment. I told them at that time to not contact me by phone anymore. 

in XX/XX/2018 I received an email about a late payment. I made contact with Prestige to let them know my plans. The woman ( rep ) on the phone was really rude to me at which i passed the phone to my husband to speak. He told them at that time to cease all communication via phone or email and to just communicate via mail. 


at the end of XX/XX/2018, i received another rude and disrespectful phone call from Prestige requesting a payment..at that time i let the rep know that i had requested a cease and desist on all phone calls and emails. She went on to explain that the cease and desist was only placed for email. she assured me at that time that she will place stop on all phone calls and emails. 

In XX/XX/2018 i started to receive emails again after repeatedly telling this company that i cease all communication. Some of the dates may be off but I'm sure they have all if our communication recorded. To this day i am still receiving email communication from Prestige. I would like for this company to respect my wishes and not contact me via email or phone anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit card is reflecting negative on my credit report. They have sent me several of letters stating that they would not put it on my XXXX XXXX credit report. I have disputed several Times in they continue to not remove my credit report. I have sent the letter in more than once. It is only reflecting a late payment. I have requested several times for to be off my credit report to one will not provide me detail information regarding this account. They just recently added it on my experian credit report. The credit report does not have any detail information regarding this account. I am requesting Experian remove this from my credit report. I also would like to have XXXX XXXX, XXXX, and Experian validate the account or remove it from my credit report. Both account entails something different on both account. Please provide the FTC the letter that states that XXXX XXXX has agreed to remove from my credit report. The late payment reflects that it will be removed from my report this year.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a response from Lexis Nexis from my complaint on XX/XX/2021, from Lexis Nexis on XX/XX/2021, it stated the Bankruptcy case was REMOVED, from Ms. XXXX 's profile. Then I get a letter in the mail dated XX/XX/2021, and got it in mail XX/XX/2021, stated that reinvestigation was verified. I am not understating how the information was verified. Especially now when LexisNexis is inaccurately reporting information from unverified source even when the courts stated they don't not report any files to any credit agencies. I called LexisNexis XX/XX/2021, when I received the document, regarding the results and information regarding file, I called and spoke with representative, name XXXX stating that there was not any information on my file regarding documentation that LexisNexis had responded as of XX/XX/2021 to Consumer Financial Protection Bureau. You're required to obtain verification from the DATA FURNISHER and the court told me that they don't verify with you, so HOW is anything else considered legal verification? I am including the document that was sent to me XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the process of purchasing a home my credit report was pulled. To my surprise I had a late reported to my credit by XXXX XXXX for the month of XXXX. I obtained an Auto loan with XXXX XXXX in XX/XX/XXXX. For over 40 months I have made payments on time within a 30day period. On XX/XX/XXXX I called in to make my regular payment OF {$1200.00} to XXXX XXXX, with 5 days remaining in the month. After speaking with their customer service and loan department, I was informed that there was nothing they could do to reverse the late that they reported on my credit. They confirmed that I did call in on XX/XX/XXXX but they out source the processing of their payments to a company called XXXX which post the payments within 2 business days from which they were made. In my situation they did not post until the 4th business day which was XX/XX/XXXX, causing me to have a 30 day late on my credit. This is definitely unfair trade practices. I had NO knowledge of their outsourcing and I should not have to suffer from a 30 day late when in fact the payment was made well within that time frame. I am in the process of purchasing a home and this has greatly affected my ability to qualify for a home loan.
Product: Checking or savings account

I first called Discover on XXXX XX/XX/2022. After talking to several individuals I was told a audit request was filed. I received a phone call on XX/XX/2022 and the Individual told me the account wqas credited with additional interest. I called back several times, ( don't remember all the dates ), spoke with several individuals including a supervisor names XXXX. He informed me that the paperwork required to perform all for audits were submitted and he would personally keep track of it and call me the next day. It has been well over a month and XXXX has not called me back and no audits were performed. I wrote a letter to the President/CEO of Discover on XXXX XX/XX/2022. To this date I have not received a reply. I have a total of XXXX XXXX XXXX all five were active during the same time frame with only one was corrected. If one account had a problem, which was indicated with my receiving additional interest, it stands to reason that the other 4 accounts have the same problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed several inaccuracies in the way my accounts have been reported. The information provided does not reflect the true status of my accounts or the accurate payment history associated with them. There are many errors on my report and I feel that I am being taken advantage of.
Product: Debt collection

Hello, I Am XXXX XXXX. I Am Trying To Clean Up My Credit Report. Ive Not Spent Any Time In XXXX XXXX Hospital. I Have Two Bills That Are {$2200.00} & {$670.00}. 
Would You Kindly Take My Name Out Of Your System Please! 

Thank you
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. The dispute items do not belong to me are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I saiid XXXX XXXX never open XXXX account
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, My rights under the fair reporting act have been violated By XXXX XXXX XXXX XXXX   and Rash Curtis & Associates, i unsuccessfully disputed two accounts on XXXX which are XXXX XXXX XXXX  and Rash Curtis & Associates. XXXX XXXX XXXX claims that i owe them {$870.00}. I requested an original contract between me and XXXX XXXX XXXX with my name, and signature on it by they failed to do so yet XXXX still tells me that account came back as " Verified ''. I requested to know the method of their verification and they failed to send it to me. I spoke with XXXX customer service on the phone on XX/XX/2019 at around XXXX and asked him the method of verification and he claimed that XXXX XXXX XXXX verified and i don't have a right to see the original contract and even thou they don't have it it still doesn't mean anything. I informed him that the phone call is being recorded and he agreed to that. I asked to speak to a supervisor and he refused to do so. his name was XXXX. I clearly told him that i want a real investigation not just repeat what XXXX XXXX XXXX  says. I finally came here to find a solution for this problem because i tried to fix it multiple times with experience yet they failed to so. The last letter was sent to them on XX/XX/2019 and i have the receipts. 

My problem with Rash Curtis & Associates is even worse. My problem with them started almost two years ago when i was surprised by them after trying to finance a Vehicle and getting turned down because they claim that i owe them {$600.00}. I called them and asked them what is this for and they say it is a medical bill. I sent XXXX three letters the last one was one XX/XX/2019 to verify and this contract and to show me what treatments i have received or where is the original contract that is signed by me but they failed to do so yet, they still tell me its verified. i want to know there method of verification and i also want a copy of the original contract as well as all of the treatment and services that they claim that i received from them. 

Please CFPB, Help me solve this issue as my rights have been violated and only you can make this Fair.
Product: Debt collection

My medical provider, XXXX XXXX ( XXXX XXXX ) in XXXX, IA had an agreement with XXXX XXXX XXXX, among other XXXX, to bill patient insurance and collect what they could and discharge the remaining balance. Patients were instructed that they would receive up to 3 invoices from XXXX XXXX XXXX, but to disregard and not pay. Previous services had gone as explained - the invoices came, insurance paid some, the remainder was discharged. In mid-XX/XX/XXXX something changed between XXXX XXXX and XXXX XXXX XXXX, but patients were not informed. XXXX claims they were not informed either. Patients, including myself and my husband, began receiving debt collection notices from Transworld Systems , Inc on behalf of XXXX XXXX XXXX. Transworld was collecting for services rendered in XX/XX/XXXX. I paid the debt in the amount of {$100.00} to XXXX XXXX XXXX, as instructed in the notice. Check # XXXX dated XX/XX/XXXX. ( I have a copy of the cleared check image, which I can provide if needed. ) I continued to receive daily collection calls from Transworld until XX/XX/XXXX. I spoke with XXXX of Transworld on this date and explained that I had paid the debt, provided the check details and date, and told him to take me off their calling list and that any further contact would be a violation of law. Today, XX/XX/XXXX I received a written notice from Transworld for the same debt which I paid back in XX/XX/XXXX.