23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Attempted to pay my loan off in full before the due date ( due date XX/XX/year> ) Paid full amount of {$5600.00} on XX/XX/year>. 
A full WEEK later ( XX/XX/year> ) received notification from Nelnet that my payment " could not be processed '' and they have now tacked on a late fee and additional interest to my total balance. They included no additional information about why my payment was denied. 
Website has no separate full pay off link, must be done through regular payment portal. 
Bank did not deny payment, it never even went through and yes, the routing and account numbers were entered correctly. 
Now, Nelnet is saying I owe them {$5600.00} ( a small increase but it's the principal! I paid them!!!!!! )
Product: Credit reporting or other personal consumer reports

This complaint has been filed to request, under FCRA 605B ( 15 U.S.C. 1681c-2 ), that Experian block the information appearing on my consumer credit report resulting from identity theft and fraud within four business days of receiving this complaint. 

I am a victim of XXXX, and the following account information, which appears on my Experian credit report, is a result of identity theft and fraud that occurred during this period of XXXX  : XXXX Accounts : Account Number : XXXX Original Balance : {$1300.00} Current Balance : {$2700.00} Date Opened : XX/XX/XXXX Account Number : XXXX Original Balance : {$5000.00} Current Balance : {$13000.00} Date Opened : XX/XX/XXXX Account Number : XXXX Original Balance : {$1500.00} Current Balance : {$3100.00} Account Number : XXXX Original Balance : {$3800.00} Current Balance : {$7900.00} Account Number : XXXX Original Balance : {$1300.00} Current Balance : {$2700.00} Date Opened : XX/XX/XXXX Account Number : XXXX Original Balance : {$2600.00} Current Balance : {$5500.00} Account Number : XXXX Original Balance : {$2300.00} Date Opened : XX/XX/XXXX Account Number : XXXX Current Balance : {$1100.00} Date Opened : XXXX Account Number : XXXX Original Balance : {$870.00} Date Opened : XX/XX/XXXX Account Number : XXXX Original Balance : {$2600.00} Date Opened : XX/XX/XXXX Account Number : XXXX Original Balance : {$870.00} Date Opened : XX/XX/XXXX Account Number : XXXX Original Balance : {$2600.00} Account Number : XXXX Original Balance : {$5500.00} Account Number : XXXX Original Balance : {$870.00} Date Opened : XX/XX/XXXX I do not recognize these accounts as reported. They were not opened, made, or initiated by me and are the result of identity theft and fraud. Per Experian 's request, I have attached the following documents as proof that the aforementioned accounts are fraudulent and a result of my trafficking experience : Official Police Report FCRA Section 605C Self-Attestation Form Notarized Identity Theft Affidavit FTC Identity Theft Criminal Complaint Additionally, I have also provided results and proof from other credit bureaus that have removed these fraudulent accounts from my credit reports based on the same documentation provided, without any issues. 

These documents confirm my identity and substantiate that these accounts were created without my knowledge or consent. I am requesting immediate action to block and remove these accounts from my Experian consumer credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts listed below have violated Federal Protected Consumer Rights to privacy and confidentiality under 15 U.S.C 1681 Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am on an IBR plan. I recently changed jobs ( I am now earning less than before ), and emailed recalculation paperwork to adjust my monthly loan payment relative to my new salary. I sent the paperwork in on XXXX XXXX, XXXX. When I did not receive an email confirmation that my paperwork was received, I sent it two more times : XXXX XXXX and XXXX XXXX. On XXXX XXXX, I called Nelnet to confirm receipt of my paperwork. The Nelnet representative confirmed my paperwork was received on XXXX XXXX and that all information necessary to process the recalculation was in the system. When I asked for a confirmation email that the recalculation would be applied to my XXXX bill ( my payment due date is the XXXX of every month ), I was told that it " probably would be '' but he could not confirm because their paperwork processing department is so backed up and they were still processing paperwork received on XXXX/XXXX/XXXX. ( Note : During my annual renewal process in XXXX of XXXX, I was told by a representative that their paperwork processing time is 30 days. ) I then asked to be escalated to the manager. The manager told me they could expedite my paperwork so it would be processed in 3-5 days, but they could not confirm that it would be applied to my XXXX payment. I then asked to speak with her manager. Her manager told me that he could not confirm that the recalculation would be applied to my XXXX payment, and also that expediting my paperwork was also not an option. I then asked to speak with his manager, at which time I was sent to the Resolution Department. XXXX in the Resolution Dept told me that they would not confirm the recalculation would be applied to my XXXX payment because " while there is a 30 day processing time, we require an additional XXXX days to apply the changes to your account. '' I then asked XXXX to verbally confirm that while their policy states 30 days of processing time, they also have an additional 3-5 days processing time. She confirmed this was the case, which was not consistent with what I had been told in XXXX XXXX. I asked XXXX to email me this in writing, which she declined to do. I asked for her contact information, which she declined to provide. After asking why there was no way to contact her directly, she gave me her telephone extension. I then asked to be transferred to her manager, which she declined to do. After more discussion she agreed to send me to her manager 's voicemail, but then she hung up on me. All of this took more than 30 minutes. I simply would like to have my paperwork processed within the 30 days I was told it would be, and have my XXXX payment reflect my new salary.
Product: Debt collection

I was contacted at my place of employment after telling this company not to contact me at all. Also I have disputed the validity of this debt a few times only to be told that it was on me to prove that it was n't valid. there has been no proof or validity provided to me. There was a time when this company would leave messages on my place of employments answering machine well before XXXX and after XXXX. Also I was called on my cell phone by a automatic robot saying there would be legal action taken If I did not call a certain number which turned out to be their number. This company and their parent company has been sues by the CFPB for illegal collection practices. There debt collection practices are illegal and violate my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX / XXXX Account # : XXXX, has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

I haven't used my Capital One credit card for a while, after I paid the balance in full. Since then, which was almost a year ago, I have been trying to change my statement delivery settings to US Mail instead of by email, because I wanted to receive my statement in paper form so that I would not miss a payment. I have made many unsuccessful attempts to change my statement delivery method to US Mail since then, which seemed to be a simple action with every other financial institution. Because what I realized after trying many times, different days and different times of the day, using different browsers thinking that their website might not work with the one I have been using, Capital One deliberately created a glitch or malfunction of their website link that when you try to change your statement delivery preferences to US Mail, you get the following pop-up " We've Hit a Snag '' ( please find the screenshot attached ), meaning, sorry can't do. I would have not bothered to address this issue if this has happened once or twice, but I have been trying to change my preferences for months now and I got tired of it because I almost missed a payment due to not receiving my email billing statement because I had issues with my email address. I will actually contact an attorney to check this violation out. Consumers should be able to receive their billing statements the way they choose, whether it's by US Mail or email, and I have been deprived of that choice for a long time now, and I am sure, so did many others. Last digits of account number are in the screenshot for Cap. One to refer to and retrieve how many attempts I made over the time to change my preferences ( if they are willing to open a can of worms ).
Product: Credit reporting or other personal consumer reports

Please check the information concern of the Equifax data breach below in attachments.
Product: Mortgage

My house was brought in XX/XX/XXXX and the loan was XXXX.Then it was refinance with XXXX XXXX XXXX XXXX on XX/XX/XXXX.Then the XXXX XXXX XXXX  sold my mortgage to XXXX XXXX XXXX XXXX   XXXX . My refinance amount was XXXX and I am currently paying XXXX for PMI.My outstanding principal balances per XX/XX/XXXX statement is XXXX .According to my initial amortization schedule if my loan amount is under XXXX, PMI can be automatically terminated. I was sending my request for PMI cancellation letter3 times to LOANCARE mortgage company. But they are denying my request stating that I am not under them for 2 years or I have to pay XXXX dollar or XXXX dollar for appraisal.
Product: Credit reporting or other personal consumer reports

I submitted a dispute with XXXX XXXX in regards to reporting on my credit report when i had no affiliation with XXXX XXXX and they are reporting late payments on my credit report which is inaccurate as they themselves sent me a letter stating they refused to grant me any credit with them... therefore why are they reporting that i have credit with them. I also wanted to file the dispute with Transunion, XXXX, and XXXX... which have not been updated for years now with accurate information.
Product: Debt collection

Trying to find out what this is for XXXX popped up on my credit report. The collection agency has not provided any further information. At this point I would remember if I opened this account in XX/XX/XXXX and it states on my credit report.
Product: Debt collection

On or about XX/XX/2023, I noticed that The Law Offices of Mitchell D. Bluhm & Associates XXXX, placed fraudulent information upon my credit report without my consent, prior knowledge and understanding. The Law Offices of Mitchell D. Bluhm & Associates XXXX  Is a XXXX, Texas company which purports to claim that they are creditors to an alleged debt of : {$2800.00} USD without providing a contract between them and myself. I XXXX XXXX XXXX, hereby assert, aver and declare that I do not owe the amount {$2800.00} to The Law Offices of Mitchell D. Bluhm & Associates XXXX  and that this company is in violation of my rights under USC Title 15. There is no contract between the parties.
Product: Student loan

I received a call from Wells Fargo Student Loan Center stating i have a payment due and I told them that I never signed up with them. I asked how did they get my information and if anyone sold my loan to them and now they refuse to give me any information. They are stating that i have to give them all my personal information for them to research. I advised them that since i never signed up with them, they need to tell me how did they get my loan and who sold to them. They are refusing and threatening to credit report as my loan is now past due. I contacted the XXXX XXXX XXXX XXXX XXXX and don't see anywhere that Wells Fargo was my loan servicer. I feel something has been defrauded either my loan got sold without my knowledge or Wells Fargo got a hold of my information and abusing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

While attempting to refinance my V.A. Mortgage loan, I learned that I had collection against me for the amount of {$93.00} Dlrs. and that " XXXX XXXX ' was handling said collection, once I contacted said agency over the phone, I was told that the money owed was from a medical XXXX performed on XX/XX/2016. Further the statements where sent to an address that I had approximately 15 yrs. ago. 
I agreed to make the payment if Merchants would erase such claim from my credit report as if it was never on my credit report and to fax the financial co. a letter head receipt showing payment. Approximately three days later I contacted Merchants and spoke with Mr. XXXX who assured me that a letter head receipt was going to be faxed. 
It has been nine working days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inquiries that are on my report. I have asked for proof because I didn't authorize all those accounts. I am not nor have been trying to get a car. I have a car, so I don't need to look for a loan. There are also inquiries that are not car related that DO NOT belong to me. 

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

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention a concerning issue regarding the accuracy of my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ). I recently conducted an investigation with XXXX, one of the major credit reporting agencies, regarding the hard inquiries on my credit file. I am pleased to inform you that XXXX diligently carried out the investigation and promptly deleted all the hard inquiries that were found to be inaccurate. Under the FCRA, credit reporting agencies are mandated to ensure the accuracy of the information they report. Section 1681s-2 ( a ) ( 1 ) ( A ) of the FCRA states that agencies must follow reasonable procedures to ensure maximum possible accuracy of the information contained in credit reports. Based on the recent deletion of these hard inquiries by XXXX, it is evident that the information currently present on my Experian report is no longer accurate. As such, Experian is in violation of the FCRA by continuing to report inaccurate information. In accordance with my rights under the FCRA, I kindly request that Experian takes immediate action to rectify this situation by deleting the inaccurate hard inquiries from my credit file. Section 1681i ( a ) ( 1 ) ( A ) of the FCRA grants me the right to dispute inaccurate information directly with the credit reporting agency. I trust that as a responsible credit reporting agency, you will comply with the FCRA laws and promptly address this matter to ensure the accuracy of my credit report. Failure to do so may result in further legal action to protect my rights under the FCRA. Thank you for your attention to this issue, and I look forward to receiving written confirmation from Experian once the necessary corrections have been made.
Product: Debt collection

Collection agency is reporting to the credit bureaus as an open mortgage account. This is not an open mortgage account, they purchased a XXXX lien on a foreclosed property over 7 years ago. They are a collection agency and should be reporting as a collection not as an open mortgage account. Also date of last activity with original creditor is well over 7 years. Tried to dispute through the credit bureaus but they still will not fix the problem.
Product: Mortgage

After paying TIAA {$300.00} for an appraisal on my home in XX/XX/XXXX I called and asked to have an electronic copy emailed to me. They confirmed my email address and told me I would received the document within the hour. It never came. I scanned the hard copy myself and moved on. 

On XX/XX/XXXX I called to ask for a copy of my most recent statement as I was unable to access it through their online banking system and they have never sent them to me via mail. I was told the statement would be emailed within 30-60 minutes and it never came. I was also told my online banking would be corrected to allow me to access my statements online. That never happened either. 

On XX/XX/XXXX I called back to request a copy of my statement. I again verified my email and was again told it would come to me within 30-60 minutes and it never came. I am still unable to access my statements online or via email. 

I need these statements to prove eligibility for sliding scale healthcare and a home refinance. I am not receiving them via the USPS, email, or online access. After 3+ hours spent on the phone with TIAA I still do not have a copy of my mortgage statement.
Product: Mortgage

We have a mortgage with Ocwen for a condo property in XXXX XXXX, IL. The condo is underwater and we are having trouble selling the property for what we owe. The mortgage company and the Condo Association Board will not work with me to allow us to rent the unit unit we can sell the condo effectively forcing me into foreclosure. 

The Condo Association does not allow rentals and removed an economic harship exception so we are unable to rent the unit. If I am not able to sell the unit I will be forced to let my condo go into foreclosure which will destroy my credit. How can yo help me with this problem?
Product: Mortgage

Text message received at XXXX XXXXXXXX  on XX/XX/year> Also I was locked out of filing this complaint and unable to get it corrected so this office needs to be supervised and managed for THE PEOPLE. 

Attorney XXXX XXXX XXXX, this is XXXX XXXX, XXXX. with XXXX XXXX XXXX. Your lender just scheduled a sale date on XXXX XXXX XXXX XXXX. 

Are you available for a quick call with me to help stop this process and save your home? 

Attorney Notification This is a text message I received today at XXXX XXXX PST My home has been placed for sale.
Product: Debt collection

This debt according to the placement on my credit report was from XX/XX/XXXX, my wife and I have never received notice. This was just placed on our reports on XX/XX/XXXX. We have never had a chance to fight it. Tenant/Landlord laws in Florida state that a landlord has only 30 days after a tenant vacates the property to collect damages. Also I have personal proof that this property was rented back out immediately after the landlord refused to cure a 7 day notice. I can provide proof that the landlord allowed race to control a situation and that this debt in illegal under the law. The landlord showed up to the property without notice and told me that it was ok that we were leaving. This was witnessed by myself, my wife and my mother in law. This landlord will lose if this goes to court. You have taken on a debt that is unsubstantiated. F.S. 83.595 states that if the landlord relets the property the tenant is only responsible for the difference between when they breeched the lease and when the new tenant rented.
Product: Debt collection

XX/XX/XXXX - Received a letter from Wakefield and Associates, LLC ( a reported collection agency licensed in Tennessee ) indicating that they were engaged by XXXX XXXX XXXX  XXXX to collect {$390.00}. Requested payment via XXXX. Visit www.wakeassoc.com to securely pay online. Claim to have made several calls to me. 

XX/XX/XXXX - Called Wakefield at XXXX to inquire. They wouldn't provide any information other than that the service was completed at XXXX XXXX XXXX XXXX ] in Illinois on XX/XX/XXXX. I informed them that they had ( i ) my first name wrong, ( ii ) that I don't live in Illinois nor have I been there in 8 years, and ( iii ) that I have not been to a hospital or doctors office in 7 years. I requested more information, which they denied and said I would need to write a letter to receive, and subsequently requested that they stop the claim as they have the wrong person. 

XX/XX/XXXX - Received the exact same letter as received on XX/XX/XXXX, but with an updated amount due of {$1100.00}. No other changes.