23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I understand that the CFPB has increased their focus on student loans, so I am hoping that you will be able to help me with an issue that I was unable to resolve after months of trying with my student loan servicer. I would like to start off by saying that I am a supervisor at a mortgage servicing corporation, and I know that if we made the error that my student loan servicer did, we would not only be able to fix it, but would likely have some regulatory implications as well. 
My student loan payments increased XXXX % without notification, and when I called to find out why, I was told that my student loan servicer ( Nelnet ) miscalculated my payment last year when my repayment began. They calculated my payments based on a 30 year term, when I actually have a 20 year term. This caused my payments to be lower than they should have been, therefore my principal is much higher than it should be, and therefore I am paying more towards interest. I have requested that Nelnet reverse my payments back the 17 months that I have paid so far, and apply them at the amount that they should have from the beginning. Had the correct term been used, my payments would have been slightly higher. I have offered to send in money so my account will not be past due after the corrections. After several hours on the phone with Nelnet, they flat out refuse to do this ( one rep even said it was against their morals ), and blamed it on the Department of Education guidelines. I am not asking for them to give me a payout in any way, I just want my payments applied at the amount that they should have been from the beginning. At this rate, I will end up paying roughly {$2300.00} more in interest due to their miscalculation that they refuse to fix. I am sure that Nelnet has done this to their other borrowers, but they might not have caught the mistake. At this point, I do n't know what I can do to not be penalized for their error. I can make a lump sum principal payment right now to get my principal to where it should be, but that wo n't fix the erroneous interest that has accumulated since my loan originated. Is this something you can help me with? I have documented my most recent calls to them, and have had other issues with their loan servicing - this is just the only one that is costing me money. 
It is unreasonable for Nelnet to expect their borrowers to calculate their own loan payments to ensure that they got something as simple as a loan term correct. This is undue borrower impact, and has impacted me in a significant financial way. I did escalate to their consumer ombudsman, who took weeks to respond and did not follow up when he promised to follow up. At the end of the day, the request was denied and Nelnet said there was nothing they could do to correct their error. This is an unfair servicing practice that impacted me financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported as me having a late payment which is not accurate. All of my payments have been paid on time and accurate without fail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. RentDebt Automated Collections , LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a )
Product: Mortgage

W/o notification ; XXXX changed XXXX way payments are processed. I have to go into the bank and explain the " new '' process ; and how to apply my payment. Tellers can not tell me the current amount owed, nor can they properly apply my payments made as errors have frequently been made. XXXX escalation process places my loan in default ; and their solution is to require me to make a " good faith '' payment ; which will extend out the loan by *another* month ; and will not correct the underlying problem ( that is : accurate accounting of my loan )
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : During the pandemic many people suffered financial struggles, I was one of them but I have always been able to pull through hard times somehow, this pandemic was different and harder. All of my creditors worked with me including the one I am complaining about. I took differed payment programs from no less than 10 banks and creditors, and was thankful to have the help, I was reluctant because I did not want to have to take the offered help because of pride I suppose. We recovered slowly and eventually paid everyone. I have had stellar credit for 30 + years until now. Bank of America, during this pandemic and while I was getting on my feet reported two 30 day late alerts to the credit reporting agencies. In there defense they did offer me deferments with no penalties I accepted, as I was getting caught up though, I told them I did not want to use anymore deferments and that I would get caught up, this is where the problem comes in. Without any warning and while I was in constant contact with them they alerted the credit bureaus negatively DURING A PANDEMIC! NEVER TELLING ME OF THE CONSEQUENCES, Of course under normal circumstances this would be normal practice but not during a pandemic and not while I am working with them. Yes I should have taken the additional deferments. Never did I think they would do this. I said I would catch up and catch up I did to the tune of more than {$30000.00} in payments to them in the last 3 months. 
This should be corrected and removed from my credit history, it is totally un fair in situations like this. 

Sincerely XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.
Product: Credit reporting or other personal consumer reports

I HAVE FILED A FTC IDENITY THEFT REPORT FOR THIS THE FOLLOWING INQUIRIES WHERE NOT AUTHORIZED BY ME. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX  actions may also contravene the Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. I reported I didnt theft on my account XXXX failed to re-investigate and remove accounts that do not belong to me
Product: Credit reporting or other personal consumer reports

I purchased a XXXX  XXXX XXXX XXXX : XXXX on XX/XX/year>. After multiple communications with the dealership, I was advised to return the vehicle to the dealership per the General Manager @ Kia of XXXX XXXX XX/XX/year>. Kia Finance sent me an email stating that they would cancelling the sales contract on XX/XX/year>. However, the sales contract has not been cancelled and they have continued to report this account as derogatory to XXXX, XXXX XXXX XXXX, from XXXX than XXXX  days late to currently reporting as a charge off account. This account has been devastating to my credit rating.
Product: Credit card or prepaid card

In XXXX, I was reviewing my consumer report. There was a inquiry on the report from Comenity/Jared that I had a concern about. They disputed the inquiry, but somehow disputed the accounts that were connected to comenity, such as Victoria Secret, JCrew, Comenity Mastercard, XXXX  's reward. How can this be mistaken as accounts???? In XXXX I went to Jcrew with the card in question to use the card and it was closed, I tried my mastercard only to find I couldn't use it either. I called and spoke to a representative which explained what happened so he said so you didn't report it stolen??? I said no i'm in the store now. He said well I will have the account reopened. I had them check my other accounts to make sure there were no issues and I explained that it was a inquiry for Jared so he looked and said there were no accounts open under that name and I said I know, but the inquiry is there so he said he understood and would assure there'd be no issues only to find a whole month later still issues and I have all of these cards in my hand, and I have worked very hard to maintain my good credit. I have paid every single bill on time, never called them with any issues and it's on my consumer report as paid. I have over 74 credit cards and I pay each one of them when I am supposed to. Im in the process of buying a new house and I don't need this negative activity on my reports. This is unfair. I'm the legal consumer and I control what goes on my reports. I am the one who applied for these cards and got approved because of my good credit. I should not have to reapply and put a inquiry on my report for something I had anyway. This definitely was a mistake. When I spoke to XXXX, XXXX said the card shows on my consumer report as still open. This is a bad representation of how a good consumer is treated that pays every bill on time. No one called me to verify if this was me or not. They just closed the account. Question : Why would I dispute cards I frequently use??? It doesn't make sense They even said they would send new cards to these accounts to fix the issue. Why deny me credit to the cards I have all in my hand?????? 
This is an embarrassment. Especailly in the stores i'm familiar with. 
My XXXX  reward I got that for being a member at XXXX XXXX, You have to be a member. I swiped my Drivers License to get approved and I did. So you mean to tell me that I have to go in the casino again to reapply for a card I had???? This is unacceptable!!!! And with comenity I have about 24-30 different cards in my name so they didnt think this thru. Your gon na do your longtime active consumer like this. Causing me to definitely want to take my business elsewhere losing all good active accounts if they can not fix this mess.
Product: Debt collection

The party is attempting to collect on a debt I owed from a few years ago the original amount was {$6500.00}. I paid off the debt until I could no longer afford to do so. I paid {$5200.00} back in total.I went without working for a few months last year and stopped paying last XXXX. The debt company has been repeatedly sending threats to the point of exhaustion. They are threatening to show up at my house, they are threatening to take both of my vehicles, and they are threatening to freeze my bank accounts and leave negative comments on my business social media all for a {$3500.00} balance which is a bunch of fees. They are causing me XXXX XXXX XXXX XXXX XXXX I tried making arrangements with them for a settlement and they tried collecting money without offering anything in writing and got continued threats after I told her I was waiting for a check to clear and couldn't start the payment on the day they wanted. I am not a giant business, I am a XXXX mom and work with my husband to provide for my family. I feel hopeless picking up my phone to see all of their phone calls, text messages, emails, and voicemail. I can't deal with it anymore. I am getting back on my feet and intend on paying but the harassment is too much for me to handle alone anymore please help.
Product: Bank account or service

Wells Fargo negotiated a payroll check after 7 months and it had a stop payment initiated on the check. stop payment expired at 6 months and no red flag in their system to catch this check while it was being cashed. they charged me {$31.00} for the stop payment and allowed the {$960.00} check to be cashed. They take no responsibility as a institution to protect their customer or consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to the Equifax security breach. I have been given today 's date as an enrollment date for their monitoring service, but after thinking it over : that is n't good enough. I no longer trust them with my information. It was improperly protected by a company that should know better. 

With news out that executives sold stock before announcing this information publicly, it appears they did know better ; they knew how to benefit off treating the information they hold with cavalier indifference. As long as those stocks pay off. 

Now, those affected have to pay. Pay for monitoring. Pay for freezes. Pay for alerts. Police reports. Pay for unfreezing should you need credit. Not to mention the time it takes. XXXX, relatives/parents that need help? More time. More money. And what of the XXXX, Equifax? Thank you for making the grieving people of this country have to round up the info of their loved ones XXXX more time, to walk those lonely steps to secure accounts that should never have been exposed. 

And no one knows what will happen with this information. What is happening, already.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 Real Time Solutions also known as XXXX XXXX XXXX XXXX XXXX XXXX  ''. Sent a response through the Cfpb Portal saying that they " do not believe that they have committed any violations '' which is a false statement because the law is not what you believe it is what you abide by I showed proof of all violations that they have committed and it is {$6000.00} worth of violations. They also uploaded a fraudulent contract that has a " consumer '' installment contract but has me listed as a " borrower '' under the The Truth in lending disclosure. I am a consumer and under Truth in lending there is no such term as " borrower '', " loan, or " debt ''. This debt collector is using false and misleading business practices to commit fraud.
Product: Checking or savings account

On XX/XX/2023 there was a mobile deposit.Still posted automates system. {$170.00} dollars. No explanation was given what happened to those monies $ Also went to XXXX appointments useless service. When I asked the banker for her business card and full name. Refused and said she was calling the police. Wells Fargo Bank on XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have received multiple texts from this company. 
I have requested for the texts to stop, such as reporting as junk ( with the iphone ) and have replied STOP to stop the text notifications. 
On XX/XX/23 I received a text from this company at XXXX XXXX  EST advising me to contact them regarding an important matter. 
I know which from doing debt collecting myself, that you CAN NOT contact someone that time of night regarding a debt. 
This company is in direct violation of the FDCPA and should be reprimanded.
Product: Mortgage

The bank servicer is Wells Fargo I've been communicating with them for over a year and a 1/2 for a modification notification or refinance There's 16 complaints with the executive offices with Wells Fargo I sent in documentation Several times for a modification saying they never got the documentation Also sending letters stating that they did get the documentation Very contradicting evidenceWells Fargo has 3 different entities in regard to the process of modification or loss litigation Normal practices are just one department wells Fargo has 3 departments miss leading A year and a 1/2 ago they offered me a modification within 24 hours of getting the documents They wanted me to sign another 10 year note adding 10 years to the loan To save me {$13.00} in a modification which is which is designed for the bank to make more money And not as an act of helping the consumer In the pandemic cares act There's 16 complaints with the executive offices of Wells Fargo and none of them have been investigated or done anything with according to last employee with well fargo I just had hud US department of housing we did 3 way phone call phone on recorded line with Wells Fargo executive offices trying to talk to the person that holds the file for lending and unable to get ahold of the actual underwriter They do that so you go away As a deference tactic This file has been going back-and-forth and it's not being looked at at properly They're also sending me letters at the house stating they got all the documentation they need and contradicting with another letter stating that they didn't get all the documentation We recently did last year a recast with wells fargo because of my because my mortgage payment was way too high I had to sell my boat and car paid down XXXX to pay down loan with recast Wells Fargo would not Refinance me or Modify my loan but they took the recast money XXXX Saying that I don't qualify My credit score XXXX  XXXX I'm medically XXXX Unable to get back to work at this time Due to XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX the loss of my son and father The bank has no incentive on refinancing me or giving me a modification because they don't make any money they will lose money they are acting as both the bank and the bank servicer took that money and recasted my loan Due to my medical issues issues on XXXX XXXX the loss of my son and father
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past two years I have been attempting to have my credit information corrected on XXXX, XXXX  and Experian. Ive placed fraud locks on these accounts as well due to stolen identity years ago. 

1. My name ( spelling of ) and so called aliases are not correct - false 2. Addresses to which I supposedly lived over the years are incorrect - theyre wrong and false 3. Im also listed as being in the military which is NOT true either. 

These credit agencies refuse to accept information over phone but ask that you fax important and private i.e dob, ssn and driver license. I have been compromised financially and identity theft and advised them as such. No one is willing to correct this information and get it off my records Theyve at lease five different names under my ssn - please help me correcting this.
Product: Credit reporting or other personal consumer reports

I am writing to follow up my previous dispute about the information on my credit report that I believe is a result of identity theft. The fraudulent accounts listed do not belong to me, and I request your assistance in Investigating and resolving this matter.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, Mercedes Benz XXXX in Maine ran my credit and used for another purpose other the one authorized and my score dropped significantly which impacts negatively my eligibilty for new credit. 

Information on my XXXX credit report MERCEDES BENZ OF XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX Requested On XX/XX/2024 Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose CREDIT TRANSACTION
Product: Credit card or prepaid card

On XX/XX/XXXX, Bank of America mailed out a card for a new authorized user on my credit card. They send it by regular mail and it was lost by USPS. 

The guy who steal the card swipe the card at a local gas station and XXXX  for around {$16.00} and it is an obvious fraud. 

The bank decided to reject the claim because a chip card is used, which they claim will prove it is my responsibility. Which is totally unreasonable considering their " Zero Liability Protection ''. 

I called the Bank, and after a full hour of wait and connected with a supervisor XXXX, I was asked to go through all the hassles of file police report and USPS lost mail case in order to appeal to the claim, without promise that the non-authorized charges will be refunded. Regardless of what I say, they just keep saying there is nothing else they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX 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