23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have no job, due to the ongoing COVID-19 pandemic, with no hopes of a job coming soon. I have XXXX young children, one of which being XXXX. Sallie Mae reached an agreement with me for repaying at a lower amount, took out the agreed upon amount three months in a row, and is claiming I didn't qualify for the lowered payments and has since put my loan into delinquency, while taking a very large amount from my bank account monthly. I spoke with XXXX XXXX and t`he phone call is recorded and my bank statements coincide with the agreed upon money withdrawals. Sallie Mae claims they denied me for this lower monthly payment plan on the XX/XX/XXXX but I received no documentation of this denial and Sallie Mae followed through with automatic withdrawals of the agreed upon {$510.00} from my bank account on the agreed upon dates which was XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, skipping XXXX payments and resuming the withdrawal of the XXXX dollars on XX/XX/XXXX.They continue to harass me and say I have to pay more than the {$510.00} a month that was agreed upon on XX/XX/XXXX. With no job, it has been extremely difficult to even get the money in my account for withdrawal and Sallie Mae insists I must pay them more than double the already outrageous amount we agreed on.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle, failed to investigate my claims adequately. They informed me that reversing lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

I was at the end of a chapter XXXX bankruptcy when my note was transferred from Bayview Loan Servicing to XXXX XXXX XXXX on XXXX XXXX, XXXX. I was never informed of this transfer ( presumably due to the fact that the bankruptcy was not yet discharged on that date ) and continued to make payments to Bayview. XX/XX/XXXX I received my first piece of correspondence from XXXX, a NOTICE OF DEFAULT AND INTENT TO ACCELERATE. XXXX claims that when they took over the loan XX/XX/XXXX, the account was already two months in arrears and they only have payment through XXXX XXXX, making it perfectly legal for them to claim default. Again, I never received any correspondence suggesting that I owed more than I was paying. Additionally, XXXX claims that they sent all correspondence to me in a timely manner, only they sent it to the wrong address, so I never received anything from them, and they would have received the returned mail back at their offices. In fact, I still do n't have all of my statements from XXXX, though I have requested them via numerous phone calls, letters, and emails. 
I contacted Bayview to get a payment history to prove to XXXX that I had been making payments on time, every month, however, the Bayview representative that helped me stated that my account was closed and they could not access anything on my account except to tell me that XXXX was my new servicer and I needed to deal with them. ( Meanwhile, the payment history that XXXX was requesting that I acquire from Bayview as part of the proof they required was already in their possession, something they received from Bayview upon transfer of the note. ) I sent XXXX all of the proof that I could get from my bank ( cancelled checks and transaction ID numbers for electronic transfers ), and they denied my proof as being valid and submitted a Notice of Trustee Sale to me XX/XX/XXXX ( while I and my XXXX loan officer and his supervisor were supposedly looking for a way to resolve this highly damaging clerical error ). 
XXXX has added late fees, miscellaneous administrative fees, back payments ( which include payments for months that were already submitted to Bayview ) and attorney 's fees to the reinstatement amount, which is now in excess of {$13000.00}. In XXXX XXXX, exactly six months after XXXX acquired the note, XXXX returned my checks to me instead of accepting the payments toward my account - to date, they have only accepted funds for my account that were transferred over from Bayview, none from me directly. And if their payment history can be trusted as accurate, it also appears that XXXX has misappropriated the funds that they did accept on behalf of my account. They were charging me for taxes and insurance through an escrow account, but they had never paid those bills - they just paid them last month, AFTER I brought it to their attention. 
I have a complete history ( with dates and outcomes ) of correspondence and phone calls to both Bayview and XXXX that I would be happy to submit as well.
Product: Debt collection

I entered into a lease with XXXX XXXX XXXX on XX/XX/2020 and due to maintenance issues with the property I had to terminated the lease less than 2 months into the lease agreement. I paid the amount due of XXXX which is attached. I also included a copy of the money orders indicating payment. I requested a copy of the money orders and asked property management to write paid in full on the copy of the money orders. The reason for the request is because they stated they will send me a copy of the receipt in the mail. I wanted proof that the account was paid prior to leaving due to the numerous issues I had with misrepresentation while being a resident. A couple of weeks later on XX/XX/2020, I received a call that I owed an additonal {$780.00} dollars. I provided proof of payments and the statement I received. They stated it must have been an error in the statement.
Product: Debt collection

Comenity Bank XXXX XXXX XXXX  XXXX XXXX  XXXX, TX XXXX {$920.00} According to 15 USC 1692c ( c ) this law clearly states. If a consumer notifies a debt collector that consumer refuses to pay a debt the debt collector must cease all communications. Reporting this to my credit report is a violation.
Product: Credit reporting or other personal consumer reports

Unapproved hard inquiries have been reported on my credit file in violation of 15 USC 1681c-2. They are affecting my credit score, and I request their removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX until XX/XX/XXXX there has been some sort of system glitch in Equifax to wear my entire 14 years of credit history has been wiped I cant see it and creditors are unable to offer me credit because they are seeing it as well. DISAPPEARED! I contacted Equifax on three separate occasions on the third occasion I finally got to speak to a person who told me that in their computer nothing is gone but on my end my credit score dropped from XXXX to XXXX and shows me having absolutely no credit cards no mortgage no nothing. The gentleman I spoke with did not care about the situation would not let me speak to a technical advisor to see if there was an issue with the online application and refused to help me at all. Another friend of mine checked his and his credit is gone too!! Equifax has had another breach and they are not reporting it nor letting anyone in the public know about it. When you called they either hang up on you or refused to help!!! This negligence is keeping me from being able to fund my small business. And its destroying my credit rating even though the other two bureaus are up-to-date and accurate.
Product: Debt collection

I got suspicious emails that I think is someone trying to impersonate Advance America & I have attached them below & a letter in the mail asking me for debt to be paid
Product: Debt collection

I have contacted this company multiple times to discuss the amount that they are trying to collect. When I shut my services off with XXXX XXXX XXXX, the representatives assured me that I no longer had a bill with them. Then a couple of months later I received a collection letter. The collection agency states that I owe this bill for XXXX XXXX XXXX, which I confirm with XXXX XXXX XXXX I do not.
Product: Checking or savings account

I got a call from Bank of America & I thought it was urgent so I took the call. The guy was telling me that my account was hacked and in order for them to recover the funds, I would need to make a XXXX payment. Since it was the bank calling, I assumed that thats how it works. But I was fooled & tricked because it was actually a scam! When I reported this to my bank, they told me that I did get scammed. They told me that theyll investigate & will try to retrieve the funds taken out of my bank. After a few days, they got back to me but they didnt succeed into trying to retrieve the funds. They denied my claim & closed the case even though they know that I got scammed. I just feel that they shouldnt have closed it yet & shouldve investigate it furthermore.
Product: Checking or savings account

I do Not Have OverDraft Protection and there are 3 Withdrawals Also received Letter that XXXX XXXX  {$23.00} IS PERMANENT ( Chase letter attached ) and there is a withdrawal when I DO NOT HAVE OVERDRAFT PROTECTION ( ATTACHED IS PROOF ) And I only at at XXXX twice but there are 7 charges for {$6.00} some more than once a day. {$6.00} X 5 is {$32.00}. 
{$23.00} XXXX XXXX  {$32.00} XXXX {$280.00} XXXX XXXX {$49.00} XXXX  {$12.00} Bank Fee Increased ALTHOUGH NO OVERDRAFT PROTECTION {$5.00} XXXX XXXX XX/XX/20 {$37.00} is Not mine-There is a Withdrawal slip Not in my writing. 
Total : {$400.00} Credit due Me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed the items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you.Please block/remove these files. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$120.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX WA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received credit reports within the 30 days. I sent dispute letters XX/XX/2020 and XX/XX/2020. XXXX and transunion have yet to respond and this is really hurting my credit. Will you please make them respond to me.
Product: Mortgage

My wife and I were part of a modification on our home with an attorney we hired to represent us and our mortgage company. We got approved for a modification and received a copy to sign. My attorney also got a copy and told us that this modification was a good one and urged us to sign it and mail it back to the mortgage co as soon as possible. We were excited that the payment was what we could afford. Our attorney we thought read through the agreement before advising us to sihn it. He never mentioned anything about the other numbers we latter found out were involved that soon lead us to defaulting on our modification. 
We were completely unaware that the payments we were sending to the mortgage company were insufficient. We knew the figure as being correct. The mortgage company was sending all statements and communications about our modification directly to our attorney and not to us at all. We had no idea we were defaulting. Our lawyer refused to answer any of our calls or further emails from us to him. Our attorney never informed my wife and I that he was getting all mail from our mortgage co. His address was even on all the statements. Our mortgage company is now in active foreclosure of our home. We are extremely unhappy with how our mortgage company conducts business with it 's clients. We were never made aware of what exactly our numbers would be on a monthly payment basis. We desperately want to save our home from another foreclosure attempt.
Product: Student loan

Hello, I submitted a XXXX application through Nelnet. Since the recent court case, I have been in forbearance. My XXXX student loans were disbursed from XXXX, and my graduate school loans were taken out between XXXX. I have been paying these loans for at least XXXX  years, and up to XXXX XXXXears. I am XXXX XXXX XXXX, am fully retired, and am supported solely by my pension. My current loan balance is approx. {$3500.00}. 

I have read several times from several different sources that the maximum repayment period for XXXX loans is 20 years and 25 year maximum for graduate loans. I do not understand why my loans have not been forgiven. Again, have been paying these loans for at least 36 years, and up to 51 years. 

I have called and written Nelnet many times. They refuse to answer my question. They have referred me several times to studentaid.gov. I can not get any answers from XXXX. of XXXX either. I believe I have overpaid my loans and am owed a refund. 

I can not get any answers or help from any agency. I would appreciate any help you can give me. I am almost XXXX, fully retired, and supported solely by pension. The overall amount I have paid in student loans, and for an indefinite term, is entirely unconscionable. 

Thank you. 

XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am receiving inaccurate and inconsistent reports from creditor Department XXXX XXXX XXXX XXXX I filed a hardship status for my student loans and begin to receive government assistance on all XXXX loans, these was loans was taken over by XXXX XXXX XXXX XXXX XXXX few years ago, I start noticing late payments on my credit report for student loans, after contacting XXXX I was told that department was closed down and my file was sent to another department that's handling student loans. In the process of my file being transferred to another department my credit report start getting derogatory remarks, then it went back to accurate and has maintained that status since XXXX. 

Department of XXXX XXXX has blatantly violating my rights to fair consumer protection Act, ( FCRA ), 15 U.S.C . 1681 et seq., by reporting differently to the XXXX credit bureaus with inaccurate and inconsistent information pertaining to these student loans accounts. 

Acct # XXXX shows 120 day late on XXXX, 90 days late on Equifax and 90 days late on XXXX, on all XXXX loans that's listed with same account numbers.
Product: Checking or savings account

I opened a joint account with my XXXX year old daughter. A few weeks later, her debit card was hacked. We were notified by Bank of america that the account was being used. We tried to contact bank of america on several occasions to cancel the card. Spoke to 3 individuals at BofA including supervisors before the issue was apparently resolved. I recently received a letter from BofA stating that I was responsible for the charges because I was logged into the acct. No further infomation about the investigation was giving. I contacted BofA two more times explaining that I have no idea what the charges were. I was advised that the matter is closed and I would have to write them a letter to start the process over again. this has been going on for several months now.
Product: Credit reporting or other personal consumer reports

I discovered again that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$740.00} 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: Credit reporting or other personal consumer reports

I have been trying to get inaccurate accounts, inaccurate information i.e. addresses or job information, and hard inquiries removed from my credit report. There have been accounts opened and inquiries placed without my permission and/or verification and I have been trying to dispute them, but I have not been successful with my attempts. I have explained to them that it is fraud and I have sent many letters on my behalf. the credit companies continue to insist that these accounts are mine. They call and harass me all day long even on weekends. It is important to realize that fraud and scamming are at an all time high so it is important that you help people fight against it instead of dismissing them as an attempt to gain money at any cost. I set a fraud alert on my credit report and someone people have still been able to put inquiries on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX Inquiry from XXXX XXXX, 2019 2019
Product: Credit card or prepaid card

Barclay 's Bank says that I have an outstanding bill for {$620.00} on a Jet Blue Plus credit card that I never signed for, authorized, used or owned. 

I have contacted them several times to explain that the charged amounts were not authorized. The last time I called, I was told that they no longer have my account and it was turned over to a credit collection agency. 

These are examples of the charges that they say I have incurred : XX/XX/XXXX Standard purchases {$680.00} XX/XX/XXXX Total fees charged in XXXX {$280.00} XX/XX/XXXX Late payment fee {$29.00} XX/XX/XXXX Late payment fee {$40.00} XX/XX/XXXX Late payment fee {$40.00} XX/XX/XXXX Total interest charges XXXX {$33.00} I am XXXX XXXX XXXX and have never had a credit problem. I am finding this situation very difficult to deal with. 

I truly appreciate any help you can provide. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Debt collection

XXXX Services contacted me and threatened to file charges for fraud and that I would be going to jail if I do n't contact them by XXXX. They also contacted my employer and said I was being charged with fraud. Then they contacted my parents and threatened to charge them with fraud along with me if we do n't contact them by XXXX.
Product: Credit reporting or other personal consumer reports

From several creditors I requested documentation bearing my signature on the account, verification and validation of the account in question as well as companies to provide consent for authorization of inquiries. I sent letters to XXXX, XXXX, and Experian on XX/XX/year> & XX/XX/year>. I have not received the requested documentation within the allotted time nor have I received documentation at all.
Product: Debt collection

consumer XXXX XXXX XXXX XXXX have had my federally protected consumer rights violated pursuant to 15 usc 1692 multiple times. XXXX XXXX, XXXX mailed me a letter trying to collect on an alleged debt that shows XXXX XXXX XXXX as the original creditor. Notice it is a fact, pursuant to 15 U.S.Code 1692 a ( 4 ) creditor means any person who extends credit creating the debt. I extended the credit which makes me the original creditor. This letter contained violations of 15 usc 1692 f ( 8 ), there can be no symbols on the outside or inside the mails in the attempt of collection of any debts, 15 usc 1692 e ( 2 ) ( a ) How can XXXX XXXXXXXX XXXX allege I the consumer owes a debt, but the debt is shown in the positive balance? If the balance was owed in a bank account, it would be shown in the negative. This amount is shown positively. How can a person pay on a positive amount? This amount appears as if it were owed to me ; numerous violations of 15 usc 1692 e ( 10 ), ; violation of 15 usc 1692 b ( 2 ), any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, violations of 15 usc 1692 d ( 1 ) and violations of 15 usc 1692 d ( 2 ).
Product: Credit card

My bank of America ( boa ) credit card was due on XXXX.which I paid through their online phone app.however, after I made the payment I got no confirmation that it was paid.waited a few hours and checked back; same thing.later in the day I called the customer service number to check and it said I still had a minimum payment due.so I paid XXXX which was more than the minimum due. The next day I checked my bank account and saw that they withdrew {$75.00} TWICE. Called them 4 times, which cost me about XXXX hrs. on hold and talking with people.Each time the assured me they would research it and refund it, which never happened.the last time I called them was XXXX and they said I would get it in XXXX business days.its now XXXX XXXX and still no refund.they neither refunded it to my bank account nor did they apply it to my credit card balance..they basically STOLE it.
Product: Mortgage

Loan Depot transferred my XXXX to XXXX XXXX XXXX XXXX XXXX with an incorrect balance. After i applied for mortgage asdistance both companies deceieced XXXX with misinformstion asking them for {$280000.00} ifor my loan bslance. I was only behind {$4.00}. I am on XXXX and i have received nothing but added stress from these XXXX tag-team companies. 
Please help Up to XXXX different account numbers attached to my loan also
Product: Debt collection

Debt to Speedy Cash was sold to debt collection. Original debt was taken out in or about XXXX  XXXX XXXX ( XXXX ) for Speedy Cash was reported to all Credit Bureaus and placed for collection. The debt is unable to be collected due to violations of the Statue of Limitations.
Product: Credit reporting or other personal consumer reports

It has come to my attention that XXXX XXXX  are illegally reporting nonpublic private information on my consumer report. I have made them aware of this problem and also filed the appropriate FTC report in regard to the information being reported. This information is required by law to be blocked within 4 days of this notice or else a lawsuit will be filed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX I have some issues with inaccurate date showing that doesn't belong on my report. My correct spelling and name is XXXX XXXX XXXX please remove any other version of my Legal name. It is causing issue with another XXXX in my city. Please delete the following address XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX OH XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX. MY EMPLOYMENT IS I AM THE OWNER OF XXXX XXXX XXXX. 
There is a XXXX XXXX this account was never verified please delete, XXXX XXXX XXXX  LATE PAYMENT THIS IS A ERROR PLEASE DELETE. XXXX XXXX  account that should be deleted that account was never late and had been settled already error please delete.