23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My loans were sold to banks without my knowledge and then Nelnet changed to XXXX without my knowledge ( different logins, difficulty accessing my account ). My payments are dispersed differently every month, and I owe more in interest than principal. I am unable to catch up with my payments because the interest is so variable, and monthly fees are almost always added. I also only have a payment history from XXXX when I've been paying on these loans off and on since the late XXXX. They have no record of that, and I'm not being given for any credit for the nearly XXXX years I paid on it since they sold my loans to the banks. I was told I must re-consolidate my loans to have a lower payment, but if I do that, my payment history will be erased, and I'll be starting over. 
This is an example of what I'm dealing with : Group Total Applied Applied to Principal Applied to Interest Applied to Fees* A {$1000.00} {$110.00} {$910.00} {$64.00} B {$310.00} {$31.00} {$260.00} {$18.00} Total {$1400.00} {$140.00} {$1100.00} {$83.00} Payment Date Payment Amount To Principal To Interest To Fees XX/XX/XXXX {$800.00} {$580.00} {$190.00} {$28.00} XX/XX/XXXX {$1000.00} {$650.00} {$290.00} {$56.00} XX/XX/XXXX {$600.00} {$390.00} {$170.00} {$28.00} XX/XX/XXXX {$470.00} {$100.00} {$340.00} {$28.00} XX/XX/XXXX {$410.00} {$0.00} {$350.00} {$56.00}
Product: Checking or savings account

The company overdrafted my savings account ending in XXXX for {$540.00}. The funds were available in my account. As I make a transfer from Saving to Checking for my purchase the amount would be deducted out of my available balance. Instead for using the available funds, the purchases would go into a pending status then an outstanding balance of {$540.00} was charged to my savings account. The {$540.00} balance were my sufficient funds that were available in my account during the time that the transactions have been transferred to my savings for the purchases. I was charged {$540.00} over draft as an error. I used my own funds during these transactions.
Product: Checking or savings account

My debit card was stolen from me. XXXX  took {$2000.00} out of an atm covered up so nobody could see him. Im not able to take that much money out without going inside the bank. Because the atm camera showed him covered up Wells Fargo denied my claim and treated my like the XXXX. They denied my fraud claim for {$2000.00} where I proceeded to get the police involved. Officer told me that the guy thats on camera is twice your size and its not you. Wells Fargo has continued to deny this claim where it is being reviewed for the fifth time.
Product: Credit reporting or other personal consumer reports

inaccurate reporting to consumer report and violation of privacy. I've reached out to the company in regards to all the violation they're doing in regards to my rights listed below. I " v sent notice XXXX, PRIVACY ACT OF 1974 15 USC 1681 15 USC 6508 15 USC 6802 15 USC 6805 16 CFR 313.7 16 CFR 433.2 15 USC 1681 eb 15 USC 1681 i7
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I filed dispute on old reporting and medical bills along with a collection on an auto claim for acccident that was not my fault. And was told repaired correctly when I tried to contact collection agency and they claim it was correct and would send me information to backup the wrong collection from them. And when you call the company they say I need to talk to collection company. And hence the continued back and forth. With the company and collection company
Product: Credit card or prepaid card

On XX/XX/2020 my bill did not go through account with missed payment. I am kindly requesting SETF/WOFC to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/16 and inquiry was made with this bank for a Walmart card by my ex wife and without my knowledge or consent.I was unaware until i gained access of my XXXX XXXX account.
Product: Debt collection

I need the phone calls 3-5 times a day and letters to stop. I told XXXX XXXX XXXX XXXX, CareCredit, Walmart, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX, XXXX, XXXX XXXX  to stop, send a settlement or reply to letter within 30 days or else debt is canceled already.
Product: Debt collection

I, XXXX XXXX , compose this letter to you all exercising my Fair Credit Reporting Act rights as a consumer to dispute inaccurate information. The balance of {$15000.00} reported by National Credit Systems , Inc was purchased from my former apartment residence XXXX XXXX, who was lawfully informed that they could only sue me for past due rent. As stated in the court ordered judgement attached separately from this letter, the past due rent amount is {$7100.00}. I request that you CFPB also uphold the Fair Credit Reporting Act and effectively correct the balance reported by National Credit Systems , Inc on my credit report to that listed on the court ordered judgement between creditor XXXX XXXX & I.

Furthermore, according to the Fair Debt Collections Practices Act, National Credit Systems , Inc was not permitted to share information of my debt with any third party. Ive been contacted via mail with a false legal notice and by phone, harassed on several occasions by a representative of the law office of Attorney XXXX XXXX of XXXX, Georgia in attempts to collect the misrepresented balance of {$15000.00}. I informed the representative that I have no intention of resolving my balance with their office and that I will only make payments to National Credit Systems , Inc directly since they are listed on my credit report and not XXXX XXXX. 
In conclusion, I thank you all for your time and consideration. I trust that you CFPB will nonetheless accurately correct the balance owed to National Credit Systems , Inc on my credit report, enforcing the collections agency to abide by both the FCRA and FDCPA. 


Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report around back on XXXXXXXX XXXX and noticed something are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shell follow reasonable procedures to assure maximum possible accuracy concerning the individual about whom the report relates. This account, ( XXXX XXXXXXXX XXXX ) is not complete and is not accurate I sent a letter on XX/XX/2024 asking them to reinvestigate this account XXXX XXXX XXXX I got the investigation back and noticed nothing was modified or updated so I requested a description of the investigation and they did not provide it to me which is a violation of 15 USC1681i7
Product: Credit reporting or other personal consumer reports

Despite our previous attempts, I regret to inform you that these fraudulent items still persist on my record. As we enter the eighteenth attempt to address this matter, I want to stress the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items not only undermines my financial credibility but also poses significant challenges for my financial well-being and future credit opportunities. 

I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items removed from my credit report. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$4000.00} U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX {$7700.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6600.00} US DEPT ED XXXX Balance Owed : {$9000.00} XXXX XXXX XX/XX/XXXX US DEPT ED XXXX Balance Owed : {$280.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$3100.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I received a phone call from XXXX and answered the phone. After several greetings, no one responded at all, and I hung up the phone. I XXXX searched the phone number and found that it belongs to : Astra Business Services website - www.astraglobal.com It appears to be a collection agency. Concerned and not knowing of any debts whatsoever, I called the number back. The automated answer states that it 's Astra Business Services and, " this is an attempt to collect a debt. '' When I wait to speak to someone, I am hung up on every single time they answer. I called back 5 times. On the fifth time, someone actually answered and said, " Yeah what? How can I help you? '' As soon as I started to speak the person hung up on me again. 

I suspect that this number may be related to a scamming of some sort. I can not think of any other reason why they wo n't talk to me. Now I 'm concerned if I should pull my credit to see if there 's some debt I 'm unaware of, but that could be a complete waste because I 'm actually being harassed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently turned in a XXXX XXXX XXXX leased vehicle and just traded another XXXX XXXX XXXX leased vehicle. BOTH had perfect payment history and XXXX XXXX XXXX has placed a 30 DAY LATE for each lease on MY credit and my wifes credit report AFTER the 1st was turned in and AFTER the 2nd was FULLY PAID OFF IN TIME which is FALSE AND INCORRECT. THEY ARE REPORTING FALSE 30 DAY LATES EVEN THOUGH PAYMENT HISTORY WAS PERFECT AND THEY WERE BOTH TERMINATED/PAID IN FULL 20 DAYS PRIOR TO ANY OTHER PAYMENT BEING DUE. THEY REPORTED THIS 3 MONTHS AFTER BOTH WERE TERMED/PAID OFF which is an ERROR on their part and creating a credit nightmare for me and my wife right now. 

They corrected 1 when I filed a complaint with the 3 bureaus and they JUST put it BACK ON MY CREDIT FILE AGAIN today. This has Never happened before with any finance company and I have NEVER BEEN LATE ON A PAYMENT WITH ANYONE!! XXXX IS FRAUDING ME AND OTHER CONSUMERS BY DESTROYING THEIR perfect credit. I believe it is because I DID NOT PURCHASE/LEASE ANOTHER XXXX someone needs to start a class action lawsuit to stop them!!
Product: Credit reporting, credit repair services, or other personal consumer reports

i am submitting a complaint for accounts that came back on my credit reporting agencies such as : ( Experian, XXXX  and XXXX  ). 
i had disputed and mailed my police report ( FTC report to all three bureaus and creditors ) that i had been a victim of ID theft, therefore these accounts were opened under my name with out my knowledge. these inaccuracies were removed but XXXX had placed back this inaccurate account to Experian without notifying me of this reinsertion this is an inaccurate information reporting under my name, this ought to be removed. 
this is a serious complaint to Experian and all three other three major credit reporting agencies that re insert inaccurate information without seeking out to the client. 
please have these resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I requested that XXXX, Equifax and XXXX send me a copy of my credit report and how they verified that accounts on my credit report. I believe that there are items being reported incorrectly on my report and I want to know how this account were verified and by who.
Product: Money transfer, virtual currency, or money service

coinbase transaction # XXXX I sold my litecoin on coinbase website, they told me transaction was pending until Saturday XX/XX/17 ... as of today, I ca n't withdraw my money, I ca n't transfer my litecoin to a wallet, it 's a total of {$180.00} ... just sitting at coinbase, where I ca n't buy or sell any coins, nor withdraw the money to my bank account. Now they are saying more problems with their site, and it might be 15 days???? 

Alot of people are having problems look into XXXX ... 

thank you
Product: Credit reporting or other personal consumer reports

The ending balance should have been {$55.00} instead of the current bal ending XX/XX/XXXX as XXXX additional credits appeared before the ending of the statement. When I tried to contact him about it I was put on all and hung up on more than XXXX times.
Product: Credit card or prepaid card

I signed up for, and received, a XXXXXXXX XXXX XXXX card from Barclays in XX/XX/2022. The terms of the card agreement indicated that I would receive XXXX bonus points after charging the specified amount to my card. The Barclays Visa website indicated, correctly, that I had earned the XXXX bonus points as of XX/XX/2022. The website indicated, on XX/XX/2022, that XXXX points were transferred to my XXXX XXXX XXXX XXXX XXXX XXXX  account. The extra XXXX points were earned on purchases that I had made ( in addition to the bonus points ). 
None of the points, however, were ever transferred. I contacted XXXX XXXX a number of time about this, and they repeatedly confirmed that they had never received a transfer of points from Barclays Visa. 
I have contacted Barclays about this several times, as well. Their records confirm that I am entitled to the XXXX points. They have repeatedly told me that they would correct the problem, and transfer the points to my XXXX XXXX  account ; but they have not yet done so. In the most recent calls : they told me on XX/XX/XXXX that the problem would be corrected in 7 to 10 business days ; on XX/XX/XXXX they told me the points would be transferred in a month ; today, on XX/XX/XXXX, they told me the points would be transferred in 72 hours. 
Please have Barclays Visa transfer the XXXX points to my XXXX XXXX account. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report in XX/XX/XXXX when I saw a collection from Clark County Collection ( 10 NV ENERGY ). I immediately disputed the reported information as invalid since I initially thought it was related to a missed payment. However, after further investigation I learned that the account in dispute was for an unknown address. Further, I filed police reports with the XXXX XXXX XXXX Police Department for accounts opened with XXXX XXXX and XXXX XXXX. The investigation took over 6 months and was dismissed the Clark County Collection ( aka ) XXXX XXXX as Valid since, I did not have a POLICE REPORT attached to the complaint, rather a complaint number ( which I was given ). I received a letter from XXXX XXXX stating that the Identity Theft complaint was closed because I submitted the complaint number. BOTH fraudulent accounts were billed to address I do n't live at nor, have I ever lived there and the suspect was named however, the Police failed to arrest the individual stating that they denied the theft. I too XXXX statutorily too long to resolve the complaint and they have not provided any evidence of how they verified the authenticity of the accounts as required by law. Subsequently, I want the item removed from My CREDIT report
Product: Checking or savings account

IRS sent me a check for {$33000.00} I deposited the signed check into my checking Account at Citi banks ATM machine located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was never aware that I could not put so much into a ATM machine. The only reason why I went to the ATM machine is because I got to the bank at XXXX XXXX  minutes after closing time and was told by a man teller to deposit the money in the ATM machine he was not aware of the amount of money that I was depositing into the ATM machine. He never asked me which I did, I signed the back of that check and deposited it into my checking account. The machine gave me back my debit card no receipt & showed me my balance and then the entire machine reset it itself and never gave me a receipt so I visited the bank the next day and explained what happened from there I was reported to the fraud department the lady that is in charge of the fraud department told the clerk to tell me. My account will be frozen for 10 days for suspicion of fraud. she basically asked me where did I get the check and I explained and she asked me. Why was it so much? I said I dont know you have to call IRS its from my taxes two years worth I explained to the clerk that IRS sent me this check. It is my income tax check. I do my taxes every 2 years so thats why it was so much she went on to explaining to the clerk that she know its fraud and that I would have to wait until they do their investigation. This investigation has lasted well past 60 days. They sent me a letter in the mail explaining to me that they were going to close my account and release any funds that were due to me within 60 days. This happened XX/XX/XXXX. It is now XX/XX/XXXX they sent me a letter in my mailbox explaining the money I had in my account is now gone they left me with XXXX XXXX. I cant even access that so I reported this to IRS & explained to me they are going to reach out to the bank that they can either return back my funds to me in a form of a cashiers check or they can return it back to IRS itself where it came from. They are putting a trace on the money. I called Citibank today, XX/XX/XXXX and they told me my money has been sub ledge to Citi bank and that the funds was not mine and I will not be receiving it back. They are keeping it so this is why I communicated with IRS and they are helping me out to get back my funds now I need help because people need to not give up and fight for their money back I worked hard for my XXXX  and I deserve my money back. Citibank has done this to multiple people in the past I XXXX. I have multiple statements and copies of my transcript from irs.gov of how much money they sent me for my income tax check. I showed all of these things to Citibank and they still denied me my funds. They said it was fraud. They have not once communicated with IRS to see if this was true they just assumed. Again I have multiple documents from IRS communicating with me beforehand about my funds because I owe IRS {$900.00} and they sent me my change and Citibank kept my money. I have all my documents on down to my tax paperwork if you need to see it.
Product: Debt collection

I have recieved approximately 10 calls from a company called Navient over the past month from several different numbers. The most recent, an XXXX number, but others were from Texas area codes XXXX and XXXX. Another came from an XXXX number. Each time, the individual states that they are from Navient in regards to student loans and will ask to speak to an XXXX XXXX. I then inform them that I have no idea who XXXX is or and that they must have the wrong number. I am then apologized to and informed that it must be a mistake and they will remove my number from whatever list of information they have. A few days will go by, sometimes longer, sometimes the very next day, and the process will repeat. 

I'm puzzled as to how they believe I'm connected with this lady as I don't even know who she is. I looked for a way to contact the company to report the issue to an individual other than those in the call center, but without having a loan through them myself, I can only get to the automated answering machine.
Product: Mortgage

Applied for a modification, was told I have exceeded my modification limit. Second, was told when I applied that I was not delinquent with mortgage. I was on my second month behind. That is misleading, why in the beginning did they not tell me I was not a candidate. My yearly income is {$XXXX}. First time around they calculated into 4 weeks, now they want to divided daily amount. My monthly expenses are {$4700.00}. My wife has left me to care for XXXX kids with no help, they think it 's not a reason. I love my house and it 's not the best looking in the neighborhood. I 'm trying very, very hard to stay here and raise my kids. I need help and feel no where to turn.
Product: Mortgage

I applied for a US Bank Mortgage nearly 4 months ago and my loan officer indicated that my file was underwritten near 4 weeks ago and I responded to XXXX questions from underwriter. 

I was supposed to close on my new home in XXXX on XXXX XXXX 2015 and at this stage US Bank is indicating that they can not let me know when my home will be funded and closed. 

Also US Bank has had my file with their compliance department for over 2 weeks and I am very upset and disspointed with the whole process.