23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

To Whom It May Concern : I am writing to file a complaint against Nelnet, my student loan servicer, regarding their refusal to provide necessary documentation for my ongoing XXXX XXXX bankruptcy case in Oregon. 

Over the past nine months, I have made multiple attempts to obtain a specific letter from Nelnet stating that I do not have to make payments on my Parent PLUS loan until 2027. This letter is required by the judge in my Oregon bankruptcy case. Despite my persistent efforts, Nelnet has consistently failed to provide this crucial documentation. 

Key points of my complaint : 1. I have spoken with six different Nelnet agents over nine months. Five of these agents stated they can not write special letters and only use templates. One agent initially agreed to provide the letter but later retracted, claiming the previous agent made a mistake. 
2. My attorney has sent a written request to Nelnet, which they have confirmed receiving. However, they still refuse to provide the required letter. 
3. Nelnet insists that no one in their organization can generate anything other than template letters. They claim that a loan mortgage summary has always been sufficient in bankruptcy cases, stating, " There has never been anything else provided in these situations. '' 4. While this may be acceptable in other states, the judge in Oregon specifically requires a letter confirming that I do not have to pay the student loan through the bankruptcy. 
5. Nelnet acknowledges that I do not owe anything until 2027 but refuses to provide this information in the format required by the court. 
6. Nelnet representatives have flat out refused to provide the required documentation, citing that they are " bound by federal student loan restrictions. '' 7. Nelnet 's refusal to provide this documentation is causing significant hardship in my bankruptcy proceedings and directly affecting my monthly payments to the trustee. Because this Parent Plus loan was included in my XXXX XXXX, my trustee payments are {$1900.00} a month. Without this Parent Plus loan, which I have 20 years to pay, my trustee payments would be {$380.00}. 

I am requesting that the CFPB intervene and require Nelnet to provide the necessary documentation for my bankruptcy case. Specifically, I need a letter stating that Nelnet agrees I do not have to pay the student loan through the bankruptcy, signed by a human representative. 

Thank you for your attention to this matter. I look forward to your response and assistance in resolving this issue.
Product: Credit reporting or other personal consumer reports

I have had problems with Bank of America employing shady practices. I know they re-aged my credit card from XXXX which then listed it as *LAST ACTIVITY XX/XX/XXXX *CLOSED DATE XX/XX/XXXX and i know those expiration dates were coming up, so i paid the open balance amount in the beginning of XXXX, and waited for the Collections accounts to be removed in XX/XX/XXXX ( 7 years later from last activity ) then XX/XX/XXXX ( 7 years later from account closure ). Well now its almost XXXX and i have submitted disputed through multiple credit agencies, but they won't remove the account. My last step is to mail forms to BoA directly in hopes I catch someone who will remove the expired accounts, but I have better odds of hitting the lottery. Someone with authority needs to call them out on their shady business practices. I never thought I would have so much trouble getting a paid, expired collection removed from my reports. PLEASE HELP ME!! 

Side Note- I used to have a lot of respect for Bank of America XXXX saw them a a prestigius banking institution. What a simple fool I was. You live and you learn. Please help me fix what BoA refuses to do, but is the LAW. 

P.S.- All 3 credit reporting agencies are listing the same month and year for account closure, XX/XX/XXXX.
Product: Mortgage

XXXX XXXX Bank ignoring to speak to me regarding error made on their side in reference to monies paid incorrectly for our flood insurance.

I have made 7 calls to the bank and the supervisor and or manger has refused to speak to me to fix this issue. 

We pay our flood insurance through our HOA and the HOA pays our bill for the flood insurance. We sent a confirmation of the payment and the declaration page to the bank and the bank issued another check to the insurance company in error. Now the Bank wants us to pay bank the escrow monies used in this payment, when the payment should have never been paid. 

The bank is Truist Bank and I have had nothing but trouble since the merger between SunTrust and XXXX XXXX XXXX. Consumers should be aware of the horrible customer service with Truist.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, especially 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 recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate Zelle has neglected to protect consumers and allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This unacceptable lack of accountability and transparency raises serious concerns about consumer safety.
Product: Checking or savings account

Citibank closed my personal and business checking and saving account out of the blue. I was on vacation abroad and I was left without money. I am a good faith customer of Citibank for more than 20 years, working in the XXXX XXXX. I have always used my accounts legally and rationally.
Product: Debt collection

my account is paid in full, it was closed on XX/XX/XXXX with a balance of {$0.00}, on XX/XX/XXXX it had a balance of {$10000.00}, due to an accident the vehicle was totally lost, the insurance made a payment of {$7100.00} and the GAP coverage that was purchased and is in the terms of the signed financing contract is responsible for the difference of the pending balance of the financing and Additionally, your Loss Mitigation XXXX XXXX XXXX contacted me on XX/XX/XXXX to notify me that despite the insurance payment and GAP coverage, I still had an outstanding balance of {$800.00} and sent me an email with the address where I had to send the cashier 's check to be able to close my account with a {$0.00} balance, which was prepared on XX/XX/XXXX for {$800.00} and was sent to your facility and delivered on XX/XX/XXXX via USPS tracking # XXXX I don't understand how 3 years after they closed my credit, they reopen my account on XX/XX/XXXX again with a negative balance of {$4800.00} damaging my credit and causing me great economic damage, after calling several times I was able to prove that they received, they cashed the check and updated the balance to {$3700.00}, which is a big mistake because if you add what the insurance paid {$7100.00} plus the GAP coverage that is in the loan contract and stipulated in the Annual APR, plus the {$800.00} that they are sent in a cashier 's check, I do not have any type of negative or pending balance with you, I need to solve this problem as soon as possible since he always fulfills all the responsibilities stipulated in the contract. 

I have communicated with INNOVATE LOAN on several occasions through phone calls and emails during these months every week without getting any response from them, they have to verify my account and read all the notes left by their specialists of all the calls that He specifically made the calls and notes from his Loss Mitigation XXXX XXXX XXXX, who was the one who contacted me and provided me with all the information to be able to close my account with a XXXX balance. 

Thanks to a complaint that I made through the CFPB website ( Consumer Financial Protection Bureau ) last year on XX/XX/XXXX I was able to have the company INNOVATE LOAN contact me on XX/XX/XXXX to inform me what they had done a error and they would remove all the wrong information from my credit report and email me clarifying this problem, then again this year on XX/XX/XXXX I receive a new notice from my credit notifying me that the company INNOVATE LOAN once again informs my credit that I have a negative balance owed of {$3700.00} with a comment of " COLLECTION / CHARGEOFF when it is false information that causes me great economic damages since they have damaged my credit again with a new attempt to collect a debt already paid.
Product: Credit reporting or other personal consumer reports

CAR WAS VOLUNTARY REPOSSESSION I DROP THE VEHICLE WHERE I WAS INSTRUCTED TO AT XXXX XXXXXXXX XXXX XXXXXXXX XXXX. THIS ACCOUNT IS INCORRECTLY REPORTING THAT I STILL OWE A BALANCE. ON MY XXXX REPORT FROM XX/XX/year> THE BALANCE DUE ON THE ACCOUNT IS {$0.00} I DISPUTED THE MISSED AND LATE PAYMENTS AND THERE WAS NO ANSWER. ALSO IF THIS WAS CHARGE OFF WANT PROOF OF CHARGE OFF AND XXXX WHICH WAS NEVER PROVIDED OR REMOVED THIS NEGATIVE ACCOUNT.
Product: Credit card or prepaid card

On XX/XX/XXXX I placed an order with the online clothing store which was advertised on XXXX - XXXX XXXX XXXX The total amount was {$220.00} paid by my Citibank credit card. For some reason the credit card charge shown on my account was for {$99.00}. After a few days I checked the order status and it still showed " Not shipped ''. I checked the XXXX and the store ad was updated to a different domain. I tried to contact the store by email and the email turned out to be unavailable. The store turned out to be a fraudulent website located outside of the United States as the banking charge showed the merchant location in XXXX XXXX. 
On XX/XX/XXXX I disputed the transaction with Citibank and the bank gave me a conditional credit of {$99.00}. I also called the bank on the next day and reported my card to be compromised, they cancelled it and sent me a new one. 
However, on XX/XX/XXXX I received a new email from Citibank that the conditional amount of XXXX was reversed because I 'accepted responsibility for the {$99.00} dispute with the merchant from XXXX XXXX XXXX and the dispute was closed in the favor for the merchant. 
I never accepted the responsibility for this transaction with the fraudulent merchant and simply wanted to get my money back as I was swindled out of my money by scammers from XXXX XXXX. 
I believe that the bank did not stand by their customers by offering financial protection and did not provide adequate investigation for the disputed transaction which was obviously a fraud scenario. 
I would like to file a complaint with the CFPB to get this investigated and receive a credit from the bank for {$99.00}. Please assist me with this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for over a year in having Equifax remove one of my credit accounts. They have one in my maiden name and one in my married name. They are doing something on my credit and sending  me emails but I can not gain access to view my credit score or what it states. I have written so many letters and I still can not gain access. 

I am part of the breach and I have informed them of this but nothing has been taken
Product: Mortgage

Ocwen receives my payment on  XXXX   XXXX ,   XXXX  . The  XXXX   XXXX  NUMBER is :  XXXX .     Even after ocwen got it on  XXXX   XXXX  they post it on  XXXX   XXXX  date. This effects my credit.     It should be posted the day they get the payment and not when they feel like.
Product: Checking or savings account

XXXX XXXX has failed to credit my account with funds deposited by employers. XXXX XXXX will not give information on what is happening and will not provide timelines. Other institutions affected have already resolved issues. I am now XXXX hours without my pay, had this been my company they would be fined and have to pay damages for every day XXXX.
Product: Credit reporting or other personal consumer reports

I contacted CitiBank regarding my XXXX card ( which I only use on rare occasions ) when I realized I had XXXX cards with XXXX different account numbers, in order to find out which card I should discard. During that conversation I learned that there were a few recent transactions and a balance due. I never received a statement. Previously, when I had used the card, I had received a hard copy of the bills in the mail. The agent advised me that I had opted into " paperless billing '' but I would never have done that voluntarily. Apparently, the bills had gone to an email address I no longer use. I agreed to pay the balance due immediately and did so. I requested the finance fees be waived. The agent put in a request, and it was approved. After the fact I learned that this was reported to the credit agencies as " paid less than the full balance ''. My credit score plummeted from over XXXX to less than XXXX. Unfortunately, this occurred at the same time I had a XXXX XXXX  and needed a XXXX XXXX. Due to my new low credit score the car loan interest rate is very high and the auto insurance cost was impacted as well. Missing the Citi Bank payments was an honest mistake. I should have received the statements via USPS mail, the company did not try to contact me to advise the payment was overdue, and I should have been informed how waiving the late fees would impact my credit. I have tried to reach someone to assist me in getting the situation rectified but despite many calls and attempts to reach someone in the executive offices no one will help me. Please ask that I be contacted by someone within CitiBank who has the authority to look at my situation with compassion and hopefully help me get resolution.
Product: Mortgage

I began the mortgage process with  XXXX   XXXX  for purposes of obtaining a HARP loan. When I received the paperwork after faxing all the required information and after they pulled my credit record.   there was NO Federal rate lock form or any figures regarding my guarantees on being in the HARP program or costs nothing. He apparently, intended on trying to pull the wool over my eyes and put me into some other type or mortgage. When I requested he give me something in writing saying this is what he was using my information for he never responded. When I requested the proper paperwork after I busted him out he never responded.   Here is his information :  XXXX   XXXX   Senior Mortgage Professional   Presidents Club  NMLS ID #  XXXX  Description : Description   XXXX   XXXX   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  CA  XXXX  Toll  XXXX  :  XXXX   XXXX  x  XXXX  Direct :  XXXX   XXXX  Cell :  XXXX   XXXX   XXXX  Fax :  XXXX   XXXX  Email :  XXXX  XXXX  XXXX
Product: Debt collection

unknown debt was places on my credit report XX/XX/21. received harassing calls, ruined my credit. please help & remove
Product: Credit reporting, credit repair services, or other personal consumer reports

I hand wrote on a credit report request form provided by AnnualFreeCreditReport.com Transunion is claiming they need address verification even though my address is hand written in the request form. Transunion is prolonging my right to my credit report. There is no reason they should need address verification if they are reporting it on their site and if they sent me mail in return at this address after my request.
Product: Debt collection

I called and requested a debt validation letter and XXXX XXXX area manager stated that he can not provide a debt validation letter and that I must obtain the information from the courts.
Product: Mortgage

I want to give you a brief explanation of the horrible service i have gotten from Royal Pacific. I was given s Pc back in XXXX or XXXX of which no one communicated to me of it. No calls, No emails. Nothing. The PC that was given was in their portal and i asked if i can still take it and they said no and that i had to apply again. I asked for a manager and she told me to sumbit paperwork for an MAA. This was around XX/XX/year> Than I applied for a modification again in XXXX this was assigned to XXXX Id XXXX. I sent paperwork on XXXX and got ack letter about XXXX weeks later. After that No calls no emails nothing. I kept following up in the portal for 2 months and kept calling and i was advised that i was approved that i would get paperwork within a week. I believe this was around XXXX Never got anything. called back XXXX weeks later i was told needs to fix something would get paperwork in XXXX weeks. once again i hot nithing. Not a call email nothing. I kept checking in the portal and calling i asked the rep could it be because i am current since i have autopay I told her even though we are current we are struggling. We had to give up our jeep because we couldnt afford it. We are having issues with our teeth we havent gone because we cant afford it and literally have cut dowln on food and staying put at home. To top it all our insurance went up so payment weny up and the insurance company asked to install something in our home for flood inspection which will costs around {$800.00} to {$900.00} before XXXX or XXXX. XXXX i called i advised i am current and if that would affect it She told me no to keep making payments ( even tho my money is depleting and coming close to having nothing. So i kept in Autopay. I called in today and spoke with Perla ID ( PmD ). Not the sweetest person that told me that i was declined and that i would recive a letter by mail because i am current. after XXXX months of waiting and waiting i am told i am declined even though the portal does not show that. I been trying so hard to get this and ive gotten the runaround from this company. Please help me.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/24 Congratulations! 
Your loan application has been successfully approved for up to {$10000.00} from Prosper Loans Company in order to claim your loan application please kindly give us a text back with ( YES ) with your last 4 digits of your social security number. 
XXXX XXXX XXXX  Manager - XXXX XXXX ( XXXX ) Phone- XXXX ( XXXX ) XXXX Prosper Loans Company They asked for bank acct numbers to deposit loan amount. They deposited 2 counterfeit checks and bank seized my accts. Had me fill out phony loan papers and send copy of my drivers license
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts on my credit profile that does not belong to me when I looked at my credit they are fraudulent accounts I am writing to request and initiate a formal complaint against XXXX, TransUnion   and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Checking or savings account

My account ending in XXXX has a balance of XXXX there is not a problem with non sufficient funds, but I received a notice attached that it was.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX went from XXXX to XXXX on XXXX XXXX. I had a bit more credit card usage, so I stopped using them. I noticed there was not much change in my credit score, so after looking into it further, I noticed I had a hard credit check in XX/XX/year> with XXXXXXXX XXXX I don't know who this is and why a hard credit check was done.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit card

XXXX XXXX i shopping online Wal-Mart i purchase something and UPS never deliver my items.Wal-Mart advertise 2 days free shipping with minimum {$35.00} purchase, drop off by XXXX  or XXXX, they liars, fraudulent advertising.I ask over over for my refunded on Order XXXX XXXX XXXX which was XXXXXXXX XXXX  when i called Wal-Mart customer service XXXX its recorded service say they put my Refund on gifts cards..Thats XXXX  XXXX iam over XXXX miles away, furthermore i paid with my credit card i want my {$25.00} refund on my capital one Savor card is what i used. {$10.00} for batteries, an {$15.00} XXXX.Wal-Mart customer service emails, phone contact is record message stinks they should be sued for XXXX XXXX poor customer service.I called capital one i couldn't get anywhere with XXXX didn't understand problems.Would not resolve my issue.
Product: Credit reporting or other personal consumer reports

I disputed things with Experian and it was not corrected
Product: Debt collection

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

The Credit Bureaus are reporting inaccurate information on NET CREDIT. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.