23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Net Spend/XXXX  On XX/XX/2023 money started coming out of my account I called the bank ( XXXX XXXX at the XXXX XXXX XX/XX/XXXX  I have approximately {$430.00} in my account by XXXX XXXX XXXX XXXX. I had only {$220.00} in my account by morning I had only {$92.00} in my account I also was not able to take the money out of the account because they said that they were going to cancel the card and send out a new one. I also took steps to try to transfer the {$92.00} to another account or to another person with a Netspend account of the account, but I was not allowed to it kept telling me it was an error. I also found someone that had a Netspend card again another error when I try to do Net Spend to Net Spend to ask them to put a freeze on all money thats being pulled from the account because none of it is being authorized as I was speaking with them on the phone money was still coming out of the account. that they said that they were going to put a freeze but apparently no freeze happen because money is still coming out as of now and its almost a new day which is XX/XX/2023, XXXX XXXX. The account I was told that they will send me a new card but all through the night it was still transactions still coming out of the account, as of XX/XX/XXXX money is still coming out. I do not have access to the online account so someone /hackers keep logging me out and changing the passcode every time I change it Im not quite sure what is going on other than I do not have any authorization on my account at all at approximately {$430.00} that should have been available for me at my used. Netspend has not been helpful to me. I keep getting hung up on after 30 minutes I ask for the supervisor department I was told that they can not transfer me to the fraud department, I ask for a supervisor I can not get a supervisor most of the transactions are coming from XXXX backslash XXXXXXXX XXXX I called XXXX on XX/XX/XXXX and also on XX/XX/XXXX of XXXX  stating that Ive never made any transactions with them and never have I had XXXX a account. When I change the passcode, it is able to check the account and pull numbers from the account is not my card that I have in hand that ends in the in the number of whoever is hacking the account is actually using a different card number, but theyre taking the money out of my account. I explain to Net SpendXXXX that maybe the online account is hacked I have never been hacked before. Im not quite sure whats going on on other than I am missing money as Im sending you this complaint money is still coming out of the account. also, I spoke to eight different people in the last 24 hours and all have stated that they were put it in a fraud alert on that account but again as Im filling out this form money is still coming out of the account. all I want is my money back in a check and close the account. I was able to get one name, XXXX when I spoke with XXXX Net SpendXXXXXXXX {$87.00} and XXXX {$65.00} and as of now I can not check and see what the other amounts are but I had a total of {$430.00} and some odd change in my account on a before XX/XX/XXXX XXXX
Product: Credit card

A few weeks ago I called Capital One and explained my situation concerning XXXX and a terrible product I received. I asked the associate from what I've explained to you should I file a dispute because I can't return the item but it's definitely not the quality I am used to and I'm completely dissatisfied with the product I received. The associate encouraged me that yes I should file a dispute My SOLE AND ONLY reason for filing the dispute was b/c the seller lied about the quality of the product. Today I receive an update from capital one saying that the seller sent proof that I received the package in good condition and they'll be adding the charge back to my account WHAT? FIRST : I reviewed the so called " evidence '' all it says is that I received the product which I agree I NEVER said I didn't receive the product I said the product i received wasnt up to the standard the seller claimed it to be 2 : how did you come to this conclusion with the seller WITHOUT OFFERING ME A CHANCE TO GIVE ANY EVIDENCE OF MY OWN??? I have literally XXXX PDFs that include -pictures of the XXXX XXXX XXXX XXXX - screenshots of the seller lying saying it's the same product I've always purchased from them - an email of XXXX lying saying the buyer protection ended when it had not -pictures of customer reviews that agree that this XXXX XXXX XXXX XXXX XXXX XXXX XXXX not worth the price and not the same product -pictures of hunks literally HUNKS coming out when you brush -confirmation of a previous order that was made in XX/XX/2024 that this seller is claiming is the same hair - Both descriptions of the hair I recently purchased and the XXXX from XX/XX/2024 showing the seller does not make ANY NOTE STATING THE XXXX IS ANY DIFFERENT FROM WHAT I WOULD NORMALLY PURCHASE -A screenshot from the seller retracting their statement saying it's NOT the same XXXX that's why it was cheaper than usual but NO ONE ASKED ME ANYTHING 6 YEARS capital one and this is how I'm treated? If you are considering going to capital one DON'T! THEY WILL NOT HAVE YOUR BACK YOU STAND ALONE
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX  XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$190.00} XXXX  XXXX XXXX Balance : {$24.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Mortgage

This is a response to the complaint that was submitted  XXXX   XXXX ,   XXXX   regarding Nationstar Mortgage. Their response to my complaint #  XXXX  is false. My attorney was disbarred and they know this. According to Nationstar, their records indicate I am being represented by an attorney. That is wrong. They make up excuses to avoid dealing with the issues. This causes barriers when trying to get to the truth. Nationstar foreclosed on my house knowing I was trying to avoid foreclosure. To tell me it is too late to process a short sale is unacceptable. The foreclosure was fraudulent. I would like a full investigation into the decisions Nationstar made during my quest for a loan modification and finally a short sale. The fact that an offer for {$400000.00} to purchase my home through a short sale and Nationstar forecloses and then lists the house at {$370000.00} is again unacceptable. This was an act of greed and down right corrupt.
Product: Mortgage

In XX/XX/XXXX, I filed a XXXX. XXXX Bankruptcy to after a dispute with Wells Fargo regarding a " missed paument ''. My XXXX Plan included my monthly mortgage payment and the bankruptcy was discharged upon completion of my 100 % plan. I learned yesterday that since my discharge in XX/XX/XXXX, Wells did not resume reporting to any credit agency the status of my loan or payments. I was denied an auto loan as a result of their failure to accurately report the status of my mortgage loan and thus lowering my credit score so I did not qualify. I reached out to Wells Fargo to resolve this issue and was told I would need to write a letter to them and have someone in the Written Correspondence department make any changes. The lovely customer Service agent, XXXX, let me know that the reporting had been turned off and she did not have the ability to turn it back on. I'm furious that I have to take the time to write to them for something that should be automatic. I received an apology check in XX/XX/XXXX that upon " audit '' of my loan account " they may have made an error ''. I want my credit restored and I want them held accountable for their failure to do what should be there duty to the consumer. I'm not able to dispute the inaccuracy with the 3 reporting agencies since it is not showing up on my reports as an open account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting a freeze be placed on my credit report due to a possible breach of my account and my identity being compromised. I am requesting a security PIN be sent to me form XXXX, Experian and XXXX.
Product: Credit reporting or other personal consumer reports

EQUIFAX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX To Whom It May Concern, I, XXXX XXXX, am a consumer and natural person fully aware of my rights protected by The Congress under the Fair Credit Reporting Act ( FCRA ). I write to bring attention to the violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 by the accounts listed below. 


XXXX XXXX XXXX # XXXX The provisions of 15 U.S.C 1681 Section 602 A guarantee my right to privacy. Furthermore, 15 U.S.C 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions. I request the immediate deletion of this account, unless you wish to be held liable for {$1000.00} per violation. 

I expect that this matter will be addressed promptly and that the necessary actions will be taken to rectify the inaccuracies in my credit report. 


Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my FTC report to Transunion on more than one occassion. Per my attached document of my FTC report you will see that this was done on XXXX, todays date is XXXX and i am still making the same claim. which is more proof than enough that transunion has failed to honor my rights as i have asserted them on more than one occassion. I have contacted them via phone as well mail. i have proof via usps that shows that transunion has in fact received my disputes along with my identity theft reports. I have been a victim of identity theft and there has been unauthorized usage of my social security number and my information XXXX account XXXX are violation my rights, XXXX  XXXX are violating my rights, XXXX are in violation of my rights. which shows that the companies named in this complaint as well as transunion are all violating my rights. The companies listed do not have authorized use of my social security number amongst the credit reporting agencies ( XXXX, transunion and XXXX  ). I have in fact been a victim of the XXXX security breach as well as the XXXX data breach which they too did not have authorize use of my social security. Now i am living my life in fear and in default because of someone else and there hiccups. i have made numerous attempts to get transunion to ratify this and honor my rights as a consumer which has been avoided. the said items within this complaint cfpb i would like for you to have transunion do their job and block and delete these items from my credit report. they are causing me unspeakable harm. at my age i want to relax and live out my days vs of being in fear of being a captive because someone has my information and is using is without authorization
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter because I reviewed my credit profile, and I am a victim of identity theft and the accounts, inquiries and personal information I listed in attached report I did not authorize or does not belong to me. I have mailed a letter directly to the credit bureau over 30 days ago and I have yet to receive a response. Since I did not receive a response from the credit bureau in accordance with the Fair Credit Reporting Act, I am now reporting my identity theft through the Federal Trade Commission and CFPB which I included my Identity Theft Affidavit.
Product: Student loan

Nelnet has XXXX quality control over its auto-payment infrastructure and undoubtedly has already caused hundreds if not thousands of borrowers significant financial hardship. 

My loans were transferred to Nelnet without my consent ( another issue for another time ), and Nelnet has been incompetent in maintaining my auto-debits. The first issue is that the auto-debits amount changes every month. This means that, in order for my desired debit to occur, I have to go into their outdated and under maintained website to adjust my debit amountdefeating the purpose of an auto-debit. 

Significantly more troubling, however, is the inability to maintain a consistent auto-debit date. To begin, the only way to adjust the debit date is to call the company. The last time I called Nelnet for this purpose I was on hold for over XXXX and a half hours. I have also tried contacting them via e-mail to adjust the date but have never once received a response. I was able to adjust my auto-debit to the correct date over the phone and it was properly taken out for exactly XXXX month. However, immediately after this payment, the auto-debit date reverted back to the original debit date, which was later in the month resulting in XXXX debits occurring in the same month. Mind you, I pay over twice my minimum payment each month, so it is not an issue of me underpaying. 

While I am fortunate to be able to afford to pay for their utter incompetence, lack of basic customer service skills, and in likelihood fraud ; many families around the country are not. It is my genuine belief that Nelnet is a fraudulent company, and I believe that further investigation into their predatory practices will uncover more sinister schemes.
Product: Credit reporting, credit repair services, or other personal consumer reports

address wrong: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX 

accounts not mine 
XXXX XXXX XXXX  dept of ed/ XXXX  (all)
XXXX XXXX XXXX XXXX XXXX XXXX
us department of edu (all)
XXXXXXXX XXXX XXXX  card
Product: Checking or savings account

On XX/XX/2021, my phone was stolen from a restaurant that me and my daughter had breakfast at, I have my passwords saved/written down in my notes/apps such as XXXX, XXXX, XXXX XXXX XXXX and XXXX. I was able to retrieve my phone using the Find my iphone app XX/XX/2021. Once I got my phone back, I seen that whoever stole my phone sent out {$8700.00} dollars out to different merchants such as XXXX ( {$600.00} ) XXXX XXXX ( {$2800.00} ), XXXX XXXX ( {$1800.00} ) and XXXX ( {$3500.00} ) to people I have NEVER sent money to. I did not authorize these transactions. It was not hard to do this if my phone is STOLEN AND UNLOCKED. I made a couple claims to my financial institution which is Bank Of America on XX/XX/2021. Today is XX/XX/2021. I have talked to multiple associates/supervisors. Ive been told different information where I would be credited my funds by a certain time, which did not happen. Some associates were not helpful and acted confused to what was going on. Some tried to transfer my call, Ive been hung up on multiple times, one claim has been closed 2 different times but also reopened due to New information being provided but I told Bank Of America the details from the 1st day I made the claims. Ive provided a police report, FTC identity theft report, and affidavit thats been NOTARIZED to multiple fax numbers XX/XX/2021, XX/XX/XXXX & XXXX that I was told to send to from different associates. Different associates said they made notes of info I provided, but is not true, because when I speak to someone different, they dont see certain statements that have been supposedly noted. I am very frustrated because its an emergency and disturbing me and my daughters livelihood, household a d finances. Ive been credited my funds through XXXX already. I am have not been refunded the other merchants, which have informed me the refund should be from my financial institution which is BANK OF AMERICA. Ive went above and beyond to expedite these claims and exceeded the requirements of regulation XXXX as a consumer and natural person. I need my funds credited to my account immediately as per regulation XXXX the time for my funds to be returned to me has exceeded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nothing they. never wrote back
Product: Student loan

I initially took out student loans ( private and federal ) thru XXXX XXXX to attend the XXXX of XXXX University ( XXXX ). In total I graduated with over {$90000.00} USD in debt. 
After my grace period ( 6 months ), I had problems playing the monthly on the loan. I had to go onto both forbearance and deferment. I had to refinance the loans and did so with XXXX XXXX ( which become Navient ). It became a 30 year payment plan. It was about 2 years before I started making monthly payments to the loan, starting around XXXX. The loan accrued to close to {$140000.00} USD. From XXXX on I made monthly payments. I paid ranging from {$750.00} USD a month to {$1000.00} USD every single month. Year after year. 

It is now XX/XX/XXXX and it's been 16 years. I have not missed a loan payment yet. On my account it still says I have {$81000.00} left to pay off all loans. Doing the math, 16 years, at {$750.00} a month comes to {$140000.00}!! The loan is supposed to be paid out by XXXX. By then I would have paid out {$250000.00}!! I will be XXXX XXXX XXXX. 

I have contacted Navient regarding my loans and they say there is nothing that can be done in terms of refinance or anything else. I requested my original promissory note and they could only give records that were incomplete in terms of payments. 

It seems criminal that I have yet to dent the loan amount. I have not been able to buy a house or have children because of all of this. I feel I am being manipulated and taken advantage by a loan provider that hides charges, payments, loses paperwork for account history, and ultimately I will have almost tripled the amount I originally took out. 

I feel I have been deceived my this loan provider in order to squeeze more money out of me then I originally signed to take for my college education. Their practices must be investigated.
Product: Mortgage

I am a mortgage broker that worked with a home buyer for over a year preparing them to qualify for a home.The borrower found a home and used the listing agent to represent them. The list price for the home was {$280000.00} and the listing agent 's representative, XXXX XXXX XXXX license # XXXX required the buyer to be cross qualified with a XXXX XXXX XXXX XXXX with XXXX XXXX XXXX. The borrower approved me sending a complete loan package, far more than what a traditional cross qual would require. After the buyer was cross qualified, the listing agent then submits to the buyer a counter offer, raising the price $ XXXX higher than what the property was listed for despite there were no other competing offers. I believe this occurred after the MLO saw the buyer could qualify for a higher price. The counter offer also stated in writing that the buyer must go with XXXX XXXX XXXX. The buyer called me to complain saying that the seller is paying nothing towards any of the buyers traditional costs and that the listing agent representative, told him the only way to get this home would be to use XXXX XXXX or the buyer would not get the house. This agent did not in any manner whatsoever, act in a fiduciary responsibility to the buyer and I believe violated real estate fiduciary laws. I also believe the loan officer, the realtor and the seller, who is an investor flipping properties, are in collusion to control the whole transaction and to employ an appraiser that will give the home this inflated value. The house is far above any other price in the neighborhood. I believe the realtor, loan officer and seller/investor are participating in some manner of " steering ''. The buyer not only confirmed with me that he had no choice in choosing his own lender, but also the lender he is being forced to use is charging him a higher rate and fees. 

The actual listing agent, XXXX XXXX XXXX # XXXX is also the company broker and I do not believe he at anytime supervised his representative 's actions as required by XXXX.
Product: Money transfer, virtual currency, or money service

I was the victim of a very organized scam involving Crypto currency and Bitcoin, and my Chase Bank. The scammers presented themselves as someone I knew online, when in fact they werent. I wired money thinking I was being helped in learning about Crypto. I lost {$58000.00} to these thieves. Chase Bank never once questioned these transactions. This was all done in the month of XXXX, with the last wired transaction on XX/XX/XXXX, XXXX Letters have been sent on my behalf from XXXX XXXX  , to Chase Bank and XXXX and I have not heard back since.