23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I currently have around XXXX XXXXXXXX XXXX on capitalized interest. On XX/XX/2018 I sent to Nelnet {$5300.00} to cover the capitalized interest but apparently they put the money towards other interest because the capitalized ones remained untouched. I did not missed any other interest payments after that day and again, I still have those in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain about questioning specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any items in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX CARD XXXX Balance : {$11000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$6000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2022, at XXXX XXXX. I received a text message stating that my bank account had suspicious activity and payment was declined. It instructed me to cancel the transaction by clicking on a link provided in the text. Out of fear of losing my money, I clicked the link and was taken to a website that I believed was Wells Fargo 's since it mirrored their actual site. I logged in with my credentials and when asked for my ATM card information and account number I realized that the website could be bogus and immediately I called Wells Fargo. I spoke with a female representative and explained the entire situation to her and requested that she change my account number to be safe. The representative assured me that changing the information was not necessary and that I should not worry since I didn't give my account information on the website. I asked her again to change my information because I was scared and again she told me to not worry. After that call, I immediately called the bank again and spoke with a gentleman and explained the situation and he too advised me to not worry and that nothing needed to be done. On XX/XX/2022, approximately {$17000.00} was transferred from my bank account via wire transfer without my knowledge or consent. I called the bank and was told that the transaction was pending and that he was able to stop it. I called back to the bank and the representative told me that I was misinformed and that the funds were transferred. I have called the bank several times as well visited the local branch with no resolution. I was told that a fraud investigation would take 10 business days and that I would be given a provisional credit after the investigation. On XX/XX/2022, Wells Fargo called and advised me that I would be given a provisional credit and I have not received the credit all that has been done thus far is many calls to the bank by myself, being told things that were untrue, and my {$17000.00} is still missing from my account. 

Wells Fargo failed to protect my funds as agreed by refusing to close that account and by not changing my login credentials when I requested this to be done several times before any funds were taken. Wells Fargo also failed to contact me prior to wiring funds from my bank account especially since this activity is not aligned with my banking habits from my almost two-decade relationship with them. Wells Fargo representatives have misled me and provided me with inaccurate information on each call. It was not until a phone call to Wells Fargo on XX/XX/2022 that the representative agreed to close the compromised accounts and open new ones.
Product: Checking or savings account

I called First Merchants to close my checking account because I do not want to pay the monthly fee anymore. The representative told me I had to go into a branch to close the account, but I am not able to do this because I work during the day ( not to mention the risk of spreading the coronavirus ). This does not seem like a fair business practice at all to me.
Product: Checking or savings account

I was notified by my bank of some suspicious transactions on XX/XX/21. There was 3 transactions. Two of the transactions were denied one went to processing. When it went thru I made another claim cause I figured something happen cause it went thru. which was closed for duplicate. I was notified on the XX/XX/21 was denied. I called the said it was filed wrong not under fraud. They filed it under fraud. On XX/XX/21 was denied again. I called they said cause the merchant provided email and phone number that did not match mine. They confirmed it wasn't my information said it would be closed and account credited with 24 hours. It was denied again. I called back and now they are saying since I made 2 claims about the same transaction. They pay the claim. That its my fault since I opened another. I made a mistake now I'm out the money. Claim number XXXX amount {$490.00} Now they say there's nothing they can do.
Product: Mortgage

We have been trying to refinance with XXXX since XX/XX/2020. We had declined a Refinance with NewRez LLC on XX/XX/20. Mortgage was sold by XXXX XXXX XXXX. ( filed BK ) to NewRez starting XX/XX/20. Numerous requests have been sent to NewRez asking for the FHA Case Number transfer and copies of the Appraisal Documents. It appears NewRez LLC has been delaying and misleading by not providing the requested information, for all practical purposes, almost malice and holding my mortgage transfer requests as ransom or punishment for not refinancing with NewRez LLC. 
XX/XX/20 XXXX Filed Complaint with Dept. of Housing & Urban Development ( HUD ) XX/XX/20 Filed Complaint with XXXX XXXX XXXX ( XXXX ) XX/XX/20 Emailed NewRez, Multiple Requests XX/XX/20 - Contacted NewRez, requesting FHA case number and appraisal documents. 
XX/XX/20 - NewRez correspondence received via USPS. 
XX/XX/20 - NewRez correspondence received via USPS. 
XX/XX/20 NewRez responds to XXXX 4th Request. 
XX/XX/20 - NewRez correspondence received via USPS, as stated above. 
XX/XX/20 - 6th email request by XXXX requesting transfer of the FHA Case number and the Appraisal Documents. 
XX/XX/20 - Personally emailed XXXX and XXXX requesting FHA Case transfer and Appraisal Documents via email @ XXXX XXXX PST. 
XX/XX/20 - 5th email request by XXXX XX/XX/20 - 4th email request by XXXX XX/XX/20 - 3rd email request by XXXX XX/XX/20 - 2nd email request by XXXX XX/XX/20 -  1st email request by XXXX requesting transfer of the FHA Case number and the Appraisal Documents. 
XX/XX/20 - NewRez Processor ( XXXX XXXX ) responded to Refinance Loan Declination via email @ XXXX EST. 
XX/XX/20 - NewRez Refinance Loan was declined via email @ XXXX XXXX   PST. 
XX/XX/20 - The NewRez Refinance Loan notification stating the Refi Loan was officially cleared to close via email @ XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Inquiries on my report that I did not authorize
Product: Consumer Loan

Grounded an Infiniti Lease XX/XX/XXXX early, though due back XX/XX/XXXX. Leased a Nissan this time around, XXXX XXXX ( Mgr-XXXX ) contacted Nissan-Infiniti to make sure I would be able to qualify for the " Pull-Ahead '' program. I did the same thing, not taking his word, to make sure and he also provided me with the terms of that " Pull-Ahead '' Early Lease Turn-In, prior to finalizing the new Nissan Lease. After calling Nissan-Infiniti Lease/Finance Customer Care multiple times to verify this would not be an issue turning in an Infiniti to lease a new Nissan, and was informed that I did in fact qualify. XX/XX/XXXX, called again to confirm and verify after getting another letter about non-payment of last lease payment, oddly I 've been paying impeccably on time. Why would I refuse to pay my last payment and lease a new Nissan, almost 3-4 weeks ahead of it due date, I could have kept my lease, paid this last payment and leased the Nissan XX/XX/XXXX. Now XXXX the Loss Recovery at Infiniti tells me its my fault, I figured this is how they ( Infiniti-Nissan ) would operate after the fact. Someone ( s ), was grossly negligent in providing inaccurate information or XXXX failed to properly provide it 's customer service reps with the adequate training and information to provide customers with the right information. Now someone wants to claim stake, that an Infiniti lease end program gave alternative dates. LIE. I was negotiating multiple Infiniti dealers for favorable lease terms from XXXX, XXXX, XXXX, XXXX and none of them mentioned anything about a Lease End Pull Ahead Program or such dates about XX/XX/XXXX-XX/XX/XXXX. Why is it that they do n't even know, did n't know, including Nissan dealers from XXXX, XXXX, XXXX, XXXX who also did n't know about this Pull Ahead program? I even pulled my credit at multiple Nissan Stores, and they had n't heard of such a program. I think Infiniti-Nissan discrimates on who and when to use this selective " Pull-Ahead '' program for its Infiniti or Nissan customers, if their dealers do n't even know they had such a program, and XXXX XXXX happened to stumble on it. I have a XXXX XXXX XXXX XXXX, collections letter claiming {$640.00}. I could have paid it instead of leasing a new Nissan, all someone had to do was say that I DID NOT QUALIFY, and I would have used a perfectly fine Infiniti until XX/XX/XXXX, I had no rush to part with my luxury Infinity and lease a substandard Nissan, when I was in the zone of the lease end/lease turn-in period. Information crucial, and I am beyond certain that Infiniti-Nissan failed to properly communicate such promotion or program to its dealers, and its returning customers, then later falsifying that lease customers did or did not qualify and charge them with the last XXXX payments, as the program specifically only allowed up to the last XXXX payments waived.
Product: Checking or savings account

XXXX Chase Banking Prior to the Covid-19 Pandemic I booked a trip to XXXX, XXXX ( XX/XX/2020 ) through XXXX for XX/XX/2020 to finally say my vows with my husband. I paid the deposit of {$850.00} on XX/XX/2020 and another on deposit for the second XXXX on XX/XX/2020 for {$840.00} on a separate credit card. Due to Covid-19, XXXX closed its borders to international tourists until further notice. XXXX credited my account for the trip, but are now refusing to return our funds stating they do not have the tools to do so. Under their Extenuating Circumstances we qualify for a full refund due to the unforeseen events of the Pandemic, but since they have already credited my account they can not exchange it for " cash. '' Their services were never rendered and they are continuing to give me the runaround with only allowing me to speak with a representative through their online chat system. I requested a phone number to speak with a live person, but the representative refused to do so. When I finally receive a phone call after requesting my case to be escalated, I am stuck having a conversation with a Manager whose dog is continually barking in the background and telling me that they will not return my funds. My frustration stems from the fact that they have now put a time limit on when I have to use this credit otherwise I will lose it. If I had received my FULL refund, my payment would not expire. 

XXXX has given me no choice but to dispute the charges for services that were never provided due the unforeseen events of the Covid-19 Pandemic. I reached out to Chase Bank to dispute these charges in hopes that they will be able to help me in this situation. They immediately returned my funds, and informed me that they will reach out if any additional information is needed. They failed to mention that I was already outside of the 120 day timeframe for them to retrieve the funds from XXXX and I would need to provide documentation as to why I am calling to dispute now. After escalating the issue, the next Supervisor tells me that if they issued a credit to my XXXX account that it is a sufficient resolution to the problem. This is not " sufficient '' due to the timeframe that the credit has to be used by. Chase is requested documentation of the reasons why it took me 6 months to dispute the charges, but then tells me that no matter what I do, they will not investigate this any further. 

I am at a loss as to what I should do next, and I hope that this may help.
Product: Credit reporting

Experian refuses to delete a paid judgment. I sent them the document stating that the judgment has been satisfied, and according to NYS 5 year rule, it should be off my report. Experian told CFPB, that the judgment is not on my report, but that is a LIE, it is still on there and still marked as unpaid. This is my second complaint to CFPB, if Experian does not remove this judgment I have no choice but to sue. The judgment is paid, I sent them the paper that shows it is paid, I called the court, the court says it is paid, it has been 5 years I an a New York State resident, why is this still on my report? If Experian actually investigated they would know that the judgment is paid they obviously did not investigate anything. 
XXXX Experian Identification number {$14.00}, XXXX civil claim judgment XXXX XXXX XXXX. 
Date filed XXXX, 2011.
Product: Debt collection

I was contacted by IQ DATA INTERNATIONAL XXXX XXXX  XXXX XXXX, WA XXXX ( XXXX ) XXXX who stated that they were the attorneys hired by SURE DEPOSIT TEXAS to collect {$270.00} on the company 's behalf. IQ DATA Threatened to contact my employer or share information it force payment and if that doesn't work they also stated that they will sue me and I will pay their legal fees if I don't pay them. The amount they want to collect is allegedly for a water bill due in XX/XX/XXXX which that I already paid to my Apartment complex which is always due and included in my rent. They have refused to contact the apartment complex to validate the information and has since then increased the balance and left messages at my job as they previously threatened to do.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform SYNCB that the accounts reported are fraudulent and have an effect on my ability to establish credit. There is no involvement from a third party, they can not legally contact third parties with my private or sensitive information for any reason. The accounts below need to be removed as they are fraudulent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX closed my checking account XX/XX/XXXX which I thought was only for a negative balance. I later find out they closed my account for fraud which Ive never committed. The account balance was {$38.00} which I paid on XX/XX/XXXX. I talked to multiple representatives at XXXX XXXX XXXX on XX/XX/XXXX and not one could pull up information about fraud being committed. I completely understand that my account may have been closed due to a negative balance, but Im being reported for something thats completely inaccurate. Fraud and insufficient funds are 2 total completely different things. After trying to resolve the issue I spoke with Chexsystems and XXXX XXXX trying to get the issue taken care of. I spoke with a representative at XXXX on XX/XX/XXXX and told him my issue how Im being misreported as fraud. He basically told me he knows and XXXX XXXX XXXX risk department reports EVERYBODY as fraud even if they havent committed any type of fraud and if I dispute its a waste of time because chexsytems works for the banks not the people. He later told me also if I wanted it removed I would have to wait 5 years or pay {$400.00}. I then called XXXX XXXX about the situation and they told me to file a dispute which I received the documents in my email XX/XX/XXXX. This entire time Ive been misreported and its completely unfair to me because I cant get no type of Bank accts. All of them see me as fraud when Ive never done such a thing. I paid the {$38.00} that I indeed owe and I just want things to be done fairly. Yes I owed on a negative balance, no I didnt commit fraud. I called XXXX XXXX XXXX risk department today ( XX/XX/XXXX ) to see if they updated Chexsystems and XXXX XXXX so I could pursue getting me a new account with a better bank who doesnt just reports every account closure as fraud. The lady told me even though I paid, this account will stay reported as fraud until XX/XX/XXXX. I then told her that Ive never committed fraud and its reporting inaccurately. She told me that I shouldve filed a claim after the account was closed. I wouldve indeed filed a claimed if the account was closed to fraud, but I was under the impression that my acct was only closed because I had a negative balance of {$38.00}. Nobody at XXXX XXXX XXXX can tell me how I committed fraud but theyve reported me. This is completely unfair and its causing unnecessary stress in my life because Im being reported for something that I didnt do. Chexsystems and XXXX XXXX are working with the banks so its basically 3 against 1. Ive never committed fraud and XXXX XXXX XXXX is violating my rights. I demand some type of physical or legal proof showing I committed fraud, if not I need this misreported information removed immediately. Its at the point now where its affecting my daily life because I cant get another bank acct anywhere. If theres no proof where I committed fraud, I need to be removed from Chexsystems and XXXX XXXX immediately. Like I stated earlier, having an negative account and committing fraud are 2 completely different things.
Product: Debt collection

I received a collection notice from ResidentCollect, Inc., in the amount of of {$380.00} in XXXX of XXXX. I sent a money order in the amount of {$380.00} soon after receiving the letter to pay the debt. In XXXX of XXXX I tried to obtain a mortgage loan from XXXX XXXX and got pre-approved but the collection debt is showing on my credit report, and the bank said the loan is not going to be released until the derogatory mark gets removed from my credit report. That same month a requested a copy of the cashed money order from XXXX XXXX and I received the proof that the money order was cashed 30 days later, and I sent it to ResidentCollect. I called them a couple of days later to follow up on the issue, and they said they did n't receive the proof of payment. I have tried several times to work with ResidentCollect to resolve the issue, but it seems like they are unwilling to do it. I 'm frustrated because they have my money and they are damaging my credit. Someone needs to stop this!
Product: Debt collection

My paycheck on Friday XX/XX/XXXX had {$120.00} garnishment taken out from a company called LVNV Funding LLC. I have never heard of, spoken to, or recieved ANYTHING with information in regards to a debt they sued me for! I only became aware after looking on Wisconsin XXXX and saw this was from something in XXXX, and again I DON'T KNOW WHAT THIS DEBT IS FROM!! NOW THEY ARE TAKING {$120.00} FROM MY {$420.00} DOLLAR PAYCHECK! I can't live off of that and I'm gon na become homeless. I know this is a big waste of time because all you will do is forward this to them, they will say they did nothing wrong and then XXXX XXXX BUT WHO CARES RIGHT, YOU DON'T KNOW ME OR COULD CARE LESS IF THEY BREAK THE LAW AND RUIN PEOPLE 'S LIVES, ITS NOT YOUR PROBLEM. SO THANKS FOR DOING NOTHING EXCEPT ADD TO THE NUMBER OF HOMELESS PEOPLE IN AMERICA!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email that the email address on my Experian account had changed. I tried to login and was told that the email of record on the account was changed to XXXX. That is not my account. I tried to call to complain and got a voice recorded system. I complained on Twitter and was told to FAX A copy of your driver 's license, state-issued ID, or passport, A copy of your social security card, A copy of a recent utility bill, bank statement, or insurance statement to some phone number. I did. A week later I got a statement in the mail that my account has been locked. I just tried to login and was told that it is now tied to XXXX. 

I am trying to buy a house. This is ridiculous. Experian support is non-existent.
Product: Student loan

Describe what happened, and well send your comments to the companies involved. 
Include dates, amounts, and actions that were taken by you or the company. 
Do not include personal information, such as your name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the company identify you and your account.

I consolidated my loans twice, simply to be able to make one payment a month instead of multiple payments. The first time they mistakenly did not include all the loans, they admitted it was their error and so I initiated a second consolidation. None of the many people I talked to made me aware that my repayment time period would be extended due to the consolidation. Today, that information is clearly displayed on their website but years ago it was not clear or disclosed. If I had been made aware of this, I would not have consolidated my loans. Had I not consolidated and just continued making many separate payments each month instead of one, I would be done with my loans in five years instead of 11 years from now. Their failure to be transparent and provide complete information equates to six additional years of payments from me which is an undue burden and financial hardship. This is unfair. The servicer at the time was XXXX but it's now Aidvantage.
Product: Mortgage

Spoke to XXXX Wells Fargo XXXX XXXX XXXX XXXX, XXXX, she stated she didn't see there was still a foreclosure Wells Fargo XXXX for XXXX XXXX, XXXX. I said I have mail from the law firm that it's and foreclosure. Transferred me to foreclosure dept spoke to XXXX stated the XXXX XXXX statement showed foreclosure was suspended as of XXXX XXXX. She would contact the law firm to alert them again that they need to send the homeowner a letter stating the sale has been suspended. She added the law firm is connected to their system, and they're supposed to update their system to reflect the changes on XXXX XXXX 's account as it takes place from Wells Fargo Mortgage. 
Trial Modification approval documents was received from mortgage servicer. Received foreclosure letter from foreclosure attorney saying sale date is XXXX XXXX, XXXX. 
with Wells Fargo customer s
Product: Credit reporting or other personal consumer reports

I contacted the ( CFPB ) on XX/XX/year> because i have asked Experian multiple times to delete the fraudulent inaccurate information that is being reported on my credit report. Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to for ward consumer-providing evidence to furnishers, accepting unreliable consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violate federal law and my rights as a consumer. According to the fair credit reporting act whenever a consumer reporting agency it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about who the reporting relates the accounts ( XXXX XXXX XXXX ) ( XXXX XXXX ) are not complete and accurate.