23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet student loan XXXX is reporting 90 days late on my XXXX and XXXX report under 2 different loans. XXXX reports 90 days late for XX/XX/XXXX only ( month XXXX only has 31 days ) for both loans. XXXX is reporting both Nelnet loans 90 days late for XX/XX/XXXX only ( XXXX only has 30 days ). Nelnet student loan clearly reporting inaccurately on both credit reports. 1. XXXX XX/XX/XXXX both loans 90 days for XX/XX/XXXX only.2. XXXX reporting both loans 90 days late only for XX/XX/XXXX. So the month 90 days late reports different on both credit reports and for only 1 month cant have 90 days late. Both loans never late want updated to paid as agreed. This is causing severe extreme hardship on me. 
I have sent both credit bureaus dispute letters starting on :XXXX came back verified. Sent another Dispute letters out on XX/XX/XXXX came back verified. Send another dispute letters to both credit bureaus XX/XX/XXXX came back verified on XXXX and XXXX report, XXXX XXXX removed it. Send another dispute letters to the credit bureau on XX/XX/XXXX. I got no response started Disputing online with the Credit bureaus XX/XX/XXXX, XXXX, XX/XX/XXXX. XXXX refuses to re-investigate since XXXX XXXX. Just opened another dispute with XXXX for this month.
Product: Mortgage

XX/XX/XXXX My divorce was settled and the judge stated my ex-husbands name must come off the XXXX XXXX and XX/XX/XXXX was the deadline or it would go on the market. At the time that seemed like plenty of time to me and I never thought I could be at risk of loosing my home. 

XX/XX/XXXX My ex and I filled out all the paperwork and were told we would not have to re-finance that there we be an " assessment '' of the condo and a " processing fee '' and his name would be removed. 

XX/XX/XXXX the Assessment finally came in and I got it XX/XX/XXXX. I was told late XXXX I needed to gat a XXXX Deed and send in a {$900.00} processing fee and his name would be removed. We would be done. So I had an attorney draw it up and both I and my ex had it notorized. Then I took it to the court house and filed it with the county clerk. XXXX XXXX is no longer on the deed to my condo. 

On XX/XX/XXXX I overnighted the XXXX Deed and a {$900.00} XXXX XXXX XXXX and sent it certified mail. 

XX/XX/XXXX The Mortgage company signed for the package. 

XX/XX/XXXX XXXX deposited the check. Then passed my file to a new mortgage handler. 

XX/XX/XXXX I called to ask for an update on the name removal and they informed me they sent EVERYTHING including the check to the new mortgage handler and I would have to start from the beginning with them. 
XX/XX/XXXX XXXX in the XXXX Department told me 2x that the load was modified and that the name would come off within 7-10 business days. I explained to XXXX that I had to report back to my attorney a timeline due the the XX/XX/XXXX deadline and he assured me it might not be the first but it would be close. 

XX/XX/XXXX XXXX in Modification Department says the modification is not complete as they need the XXXX Deed. And that there is a 3 month trail before the name comes off. 

XX/XX/XXXX XXXX in Modification Department lets me know there is 60days after the trail is complete. Each time I report back to my attorney and the witholding of information is really hurting me! 

I typically call every Monday, Wednesday and Friday since XXXX and we are now in to XXXX. The new handler took until 2 weeks before my deadline to tell me me there would be a 3 month trail period then 60 more days. They never mentioned any of this in all of the many many many calls and e-mails. There was never a chance of me making a XX/XX/XXXX deadline. Everyone knew it every time I spoke to them and nobody told me. 

Since there was a judgement involved I had been keeping my attorney updated weekly and they are upset also at the treatment I have been getting and urged me to lodge this complaint.
Product: Debt or credit management

Fay Servicing commenced an illegal foreclosure against me. They are in violation of the Real Estate Settlement Procedures Act, the Truth in Lending Act, the Homeowners Protection Act, and the Consumer Financial Protection Act. They also filed false claims in my XXXX  XXXX Bankruptcy stating they were a secured creditor when they knew they dont have an original Note and they have missing / wrong assignments. They committed perjury in both state and federal courts Re possession of an enforceable Note.
Product: Credit card

My American Express Blue Cash Credit Card with ending number XXXX was wrongfully charged without my authorization on XX/XX/XXXX. The charge was {$100.00}. I paid off the charge plus late fee and interest charge in total of {$120.00} on XX/XX/XXXX. However, American Express charged {$1.00} interest. This blue cash account information disappeared from my online account. I travelled to XXXX and XXXX during XX/XX/XXXX and XX/XX/XXXX and I did n't see the {$1.00} online. American Express Company terminated this blue cash card and closed out the account because of {$1.00}. They also forfeited {$1000.00} cash rewards I accumulated on this account. I authorized my brother to call American Express and one representative promised to fix the issue and return all the cash rewards to my other American Express cards. However, they lied and never return the money. At this moment, American Express refused to reopen the account and return my cash rewards. Additionally, they had reported this unresolved issue to credit agency and ruined my FICO scores. I am deep trouble getting loans if I want to buy an apartment. I have to bring this case to court and sue them and seek financial resolutions. They must pay all my cash rewards back and undo the damage they caused to my FICO score and also pay for any related damages.
Product: Student loan

I applied for the borrowers defense loan forgiveness plan on XXXX on XX/XX/2023. The application states that after 180 days if your application is still pending, no further interest will accrue on your loan until a decision is made ( XXXX XXXX, section XXXX of the application. ) It has been 290 days since my application and Nelnet is still charging me interest, more than 100 days past the last day they are supposed to. When XXXX was contacted about this, i received the following email of them directing it to Nelnet services on XX/XX/XXXX : Dear XXXX, Thank you for contacting the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 

This email is to notify you XXXX has assigned your case to Nelnet Loan Servicing ( Nelnet ) for resolution. You will be notified once we have reviewed your request. 

Sincerely, XXXX XXXX. 
Nelnet Loan Servicing However I have not been contacted or notified about my situation in over XXXX months, while Nelnet illegally is charging me interest on my loan. This has been forwarded along according to the XXXX XXXX to Nelnet yet they seem to either be ignoring this, or have completely missed it. I have now paid hundreds of dollars in interest that should never have accrued due to their negligence and incompetent work ethic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was under covid forbearance with Shellpoint Mortgage prior to my loan modification being executed on XX/XX/XXXX. My forbearance had ended in XX/XX/XXXX and I missed the XXXX payment. However, I eventually made the payment for XXXX, XXXX, XXXX, and XXXX until the loan modification was signed. Shellpoint reported my mortgage as delinquent for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX even though I made payment for 3 of those 4 months. Now my credit report shows I was 120 days delinquent on my mortgage and I am getting denied loans and credit lines because of this delinquent record. Shellpoint 's actions were abusive and unfair and I want them to remove these delinquencies from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items information, other than records of convictions of crimes which antedates the report by more than seven years. 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: Mortgage

Bank of America says a system error caused them not to post XXXX, XXXX, XXXX and XXXX payments to my mortgage. {$3100.00} was sitting in a " limbo '' account. Bank of america never telephoned. Emailed or sent me a collection letter but had nerve to send someone to my home on XX/XX/2020 to leave a door hanger on my door to call Bank of America. They also reported to the credit bureaus that payments had not been made those 4 months
Product: Debt collection

XXXX XXXX loan was in collection from XXXX. 
XXXX XXXX sent my loan to National Credit Adjusters in Kansas. 
NCA sent a notice XX/XX/XXXX which was received by me through USPS. 

E-mails are now received scheduling me for arrest. 

Lender and collection agency are both licensed by state and federal agencies. 
Please begin procedures to revoke all business licenses from XXXX XXXX and National Credit Adjusters. 

NO PAYMENT WILL BE MADE TO XXXX XXXX OR NCA. 

Restitution is now needed for the threat of arrest. 

Cancel all balances with National Credit Adjusters immediately. 
NCA sells customer information to scammers under various names. 
Scammers have all information from NCA and lender files.
Product: Credit card

I REQUESTED ASSISTANCE FROM CONTINENTAL FINANCE IN REGARDS TO MY CREDIT CARD ACCOUNT. I WAS NEVER LATE UNTIL THE LAST FEW MONTHS. I WOULD LIKE TO BE OFFERED A SETTLEMENT OR A REPAYMENT PLAN THAT WILL PAY OFF MY ACCOUNT AND REVERT IT TO CURRENT AND PAID OFF ON MY CREDIT REPORTS. I HAVE REACHED OUT TO CONTINENTAL FINANCE WITH NO RESPONSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act Convergent Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I HAVE NOT GIVING XXXX, XXXX, EQUIFAX ANY WRITTIAN INSTRUCTION TO FURNISH
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my Employer and other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld in addition to late fees accursed due to this technical issue.
Product: Debt collection

A person from a restricted number called and said he was trying to come to my home and serve me papers for something. He asked if I was already notified but i haven't been. He said I had the call a number immediately so they could give me notice and he could deliver the documents. I do have a case going on within the XXXX court system, not with whomever called, which i handled on Monday and now all of a sudden someone is calling, from a different bank it appeared, telling me to call a certain number, with my case #, so they can bring the documents. I did call and they verified my name & last 4 of my SS # only..then said something about me being sued by XXXX XXXX for {$25000.00}. I hung up. I do not owe anyone that amount of money. The number that I was thinking told to call & did is : XXXX Which is an HSBC number?? 
And they gave me a case # XXXX? 
Please help. 
XXXX XXXX
Product: Money transfers

Found a classic car online and the owner said to use XXXX to handle the shipment and hold the funds until i inspected it. It was all a scam. The owner was XXXXXXXXXXXX who said he was working with XXXX, XXXXXXXXXXXX They told me the XXXX wire transfer ( {$11000.00} ) was refused. They then closed their XXXX website and never answered emails, IM 's or phone calls. XXXX XXXX also never responded to my emails.
Product: Checking or savings account

On XX/XX/XXXX I received a message on XXXX from XXXX XXXX, XXXX Staffing ( P : XXXX / XXXX : XXXX ) about a part-time opportunity and if I had an interest to submit my application via the link that she provided which opened up to an application via XXXX XXXX and had a contact number of XXXX XXXX XXXX XXXX. I signed up after reviewing the XXXX XXXX opportunity and I sent her a reply letting her know and thanking her. On XX/XX/XXXX I received an acceptance response to my application from XXXX XXXX, Recuiting Dept|Mystery Shopping at XXXX ( XXXX ). I accepted the employment opportunity on XX/XX/XXXX and on XX/XX/XXXX XXXX XXXX notified me of my first survey assignment and said a check would be coming to me and provided instructions. I completed the survey assignment and sent in the feedback form and purchased the gifts cards from XXXX for what I believed would be for a XXXX XXXX XXXX project. I sent him proof of purchase of the gift cards as he requested. The next day after he informed me of my proper management of the assignment he send he a request to get a {$10.00} bank cashiers check that I should make payable to myself and send him a copy of the check. I found that strange and so I did some additional digging around to see if my suspicion was correct. I sent emails via XXXX XXXX to employees at XXXX XXXX and I went on XXXX XXXX website and submitted an inquiry. I received a reply message from XXXX XXXX, Senior Sales Consutant ( P : XXXX ) at XXXX XXXX letting me know that I had been defrauded. XXXX looped in XXXX XXXX, XXXX Lead at XXXX XXXX and she contacted me to let me know what has been going on and that the number of incidents have dramatically increased in the past month. The bank was closed for XXXX XXXX so I had to wait until the next morning to go into a branch. I alerted my bank, CapitalOne, first thing in the morning. The had not flagged the check. They locked my accounts and my mothers accounts because my name is on her accounts. I am doing everything I can do to move this investigation along and the bank is not being responsive. I have not even spoken to the investigator as yet The bank wants to hold me liable and end my banking relationship without having investigated and review all the documents I have provided, also attached. I don't have the means to shoulder this lost. My account clearly shows that. I had this account for almost 20 years. I have been to the police station 3 times at the various directions of the bank security agents that I have spoken with, I made calls to the company that is being used in this fraud, I have filed a case with the FTC and XXXX XXXX XXXX, I have reached out to XXXX XXXX and submitted a case so that they can start an investigation. I am doing everything I can. I need your help, please. I feel as though I am being victimized twice.
Product: Debt collection

I bought a car, for parts, from XXXX XXXX. I paid {$200.00} for it and she gave me the title which had not been transferred into her name. She wrecked the car before registering it. She had a friend take the car to work on it. Said friend went to jail. The car was on XXXX XXXX in XXXX. When I went to get the car, I was told it was n't the car I had bought. When the gentleman let me look at the car, I could tell he had put a different Vin. # on top of the original one. He said he had no keys to open the door. He and his friend got aggressive towards me and told me to leave. I went to the city of XXXX with pictures of the car in his yard. They said XXXX was in the county jurisdiction and would not go with me to try to get the car. The Shefiffs department would not go either. I never had the car in my possession. The car was burnt up and towed to XXXX & XXXX XXXX in XXXX. They put a lien against the car and billed me for {$2000.00}. I explained that the car was never in my possession therefore I was not liable for bill. They then sent the bill to a collection agency, who in turn billed me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX a written request XX/XX/2022 to verify their method of verification of a collection account on my credit report. The Account named Foster and Monroe LLC in the amount of {$11000.00} appeared on my credit report XXXX of XXXX. I disputed the item as not mines and asked XXXX as well as foster and monroe to investigate, They claimed the account was verified although the account has a different last name, Date of birth than my own as well it has an address i never lived at.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently purchased a new vehicle and was approved by XXXX XXXX. A month after driving off the lot, XXXX sends me a notice of " Change in Terms '' due to credit report from XXXX XXXX. They are NOT a credit bureau and if they are, they are not approved to use my credit report. The reporting is off by XXXX points AND they do not have the proper information regarding my report. This is a company owned by XXXX, who run XXXX XXXX, XXXX and others to gain personal data. 

The company XXXX does not have a login for a consumer to update their information and now are posing as a credit monitoring company to institutions such as XXXX XXXX and others. I am not having to finance somewhere else that uses the regulated credit monitoring firms such as XXXX, XXXX, XXXX. 

As as consumer, we have NO recourse whatsoever against fraudulent credit monitoring and scamming. Please do your diligence and remove them from the system. To other consumers, before any credit check, make sure you walk in with your own financing ahead of time. The dealers will shop your credit, while getting a yield on your point spread. Then, you will be at the mercy of the bank they chose, only to reset your terms within the 30 days limit.
Product: Credit reporting or other personal consumer reports

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act 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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX and Equifax. 

Please delete the following accounts : XXXX Account Number : XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Balance : {$950.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I received an email about my email being listed on the XXXX XXXX  and my identity being compromised looking into my credit profile. I noticed all these charges. The only thing that should be on my credit inquiries are my XXXX XXXX XXXX XXXX which is the bank I bank with a transaction from XXXX on finance and a XXXX  credit card. I am requesting these inquiries be removed immediately. I have also added another freeze to my profile. 

Thank you for your prompt attention to this matter!