23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Hello, My loan is serviced with a company called Nelnet and I have been paying significantly more in monthly payment ( {$1000.00} vs. {$440.00} ) so I can pay off this faster and never have any student loan again. 

Today, I looked at my account to ensure that they are still taking the money out rather than deferring it due to the pandemic and realized that my last two payments had {$0.00} applied to the principal. Upon seeing this, I reached out to them and their explanation is that they decided to only apply my payment on one of two loans while the second loan would continue to accumulate interests ; hence, the total loan amount was growing when I was making more in monthly payments, which I thought it would go towards both loans. 

I think this is extremely ethical to let one loan get bigger when I am making extra payments so they can benefit from it as much as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXXXXXX XXXX XXXX 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 XXXX XXXX XXXX has violated my rights. 

15 U.S.C 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.

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 item of 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: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX continue to report Bankruptcies on my report in which proof were sent to them that they are not verified from the courts and they keep stating the information was verified without proof of how they supposedly are verifying information that in fact is not being verified from the XXXX Bankruptcy courts. So they are engaging into unfair practice of lying to there customers in which can and will lead to litigation. I have tried 3 times to resolve this and all 3 times they just say verified without validation or proof.
Product: Credit reporting or other personal consumer reports

Today is XX/XX/XXXX. I'm following up about my credit report. 
On XX/XX/XXXX I was checking my credit report. I noticed unrecognized collections on my credit report from ; XXXX ) XXXX XXXX, XXXX XXXX, XXXX ) XXXX XXXX, XXXX ) XXXX XXXX XXXX XXXX, and XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX about a High Credit balance of XXXX. I have no business with XXXX. XXXX, XXXX My original creditor is : XXXX XXXX XXXX I never gave permission for my information to be improperly shared. I want this account removed off my credit report XXXX ) XXXX XXXX XXXX about a High Credit balance of XXXX XXXX I have no business with XXXX. My original creditor is : XXXX I never gave permission for my information to be improperly shared. I want this account removed off my credit report XXXX ) XXXX XXXX XXXX XXXX about a High Credit balance of XXXX XXXX I have no business with XXXX XXXX. My original creditor is : XXXX. I never gave permission for my information to be improperly shared. I want this account removed off my credit report. 

XXXX ) XXXX XXXX XXXX XXXX about a High Credit balance of XXXX XXXX I have no business with XXXX. My original creditor is : XXXXXXXX XXXX XXXXXXXX never gave permission for my information to be improperly shared. I want this account removed off my credit report. 

The list of accounts above are unrecognized and, in violation of my consumer rights to privacy and confidentiality.In accordance to fair credit reporting 15 U.S.C 1681 Section 602 A I have the right to privacy and information submitted must be accurate. 15 U.S.C 1681 section 604 A section 2 : Consumer reporting agency can not furnish a account with my written instruction or permission.

15 USC states informaction reported must be accurate
Product: Debt collection

I DONT NO WHO THIS COMPANY I HAVE NEVER DONE BUSINESS WITH THEM THEY ARE CONTACTING MY FAMILY MEMBER LOOKING FOR ME I HAVE NEVER HAD A CONTRACT WITH THIS COMPANY AT ALL
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 US code 1681E ( b ) accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure the maximum possible accuracy of the information concerning the individual about whom the report relates 15 US code 1681i ( 5 ) treatment of an accurate or unverifiable information ( A ) in general if, after any re-investigation under a paragraph ( 1 ) of any information disputed by a consumer, and item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency XXXX  - ( I ) promptly delete that item of information from the fall of the consumer, or modify the item of information as appropriate, based on the results of the investigation, and ( I ) promptly notify the furniture of the information that the information has been modified or deleted from the file of the consumer, please remove the following items from my credit report immediately Account Name - XXXX XXXX Account Name - XXXX XXXX XXXX Account Name - XXXXXXXX XXXX
Product: Mortgage

On Friday XX/XX/23 I submitted my mortgage payment. I noticed on Sunday XX/XX/23 I never received a payment confirmation and grew concerned. So, I called my mortgage lender PNC Bank because I was concerned about incurring a late fee, but I was also worried about a double payment if the payment was submitted. The employee told me he was not showing any submitted payments on his end and I was good to make an online payment or make payment over the phone. I opted to make an online payment. The next day XX/XX/23 I noticed two payments taken from my account and it was overdrawn nearly a XXXX dollars. I immediately took off from work to make phone calls to handle this situation. No operator I spoke with seemed real interested in helping me and they all seemed convinced it is my fault. I then called PNC Banks executive office. I was informed by XXXX XXXX that I could either get a check in 7-10 business days or get a letter of guarantee from my bank and get a wire transfer within 24-48 hours. Neither were a great option since I had no money because of their incompetence. But they insisted this was the only option. On Tuesday XX/XX/23 I tried via email and phone to get a hold of XXXX XXXX but failed, so I lost another day there. I finally spoke with her Wednesday and she informed me I was missing a voided check to start the process. I was frustrated but gave her the check picture she needed, and she informed me it would take 24 hours to process. And here we are present time almost 48 hours later no money refunded and an armful of excuses from PNC Bank blaming other people. All while my family suffers financially.
Product: Credit card or prepaid card

Chase removed my online access to my credit card. They stated they did so because the card was closed some three years ago. I have an outstanding on time payment history with this card. My last online payment receipt is attached. I can not pay this card over the phone per Chase because it is closed. I do not get a paper statement I have the " paperless option ''. The only other possible way to pay I have now been told is to supposedly go to a Chase Bank. However, I am not always in locations that have a Chase bank, as I travel extensively.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX  XXXX Unpaid Balance {$0.00} XXXX XXXXXXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX Unpaid Balance {$0.00} XXXXXXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXXXXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXXXXXX XXXX  XXXX. XXXX Unpaid Balance {$0.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can assure you that I did not open these items or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I am requesting that you investigate these fraudulent accounts and remove them from my credit report as soon as possible. I understand that the Fair Credit Reporting Act requires you to conduct a reasonable investigation into any disputes, and I am confident that you will find that these accounts are fraudulent and should not be listed on my credit report. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.
Product: Debt collection

On XX/XX/2023, the CFPB issued a consent order against XXXX XXXX for engaging in unfair and deceptive leasing practices. The order requires XXXX to forgive all outstanding balances on existing leases and prohibits further collection efforts. Despite this, I am still being pursued for a balance of {$300.00} by Vance and Huffman LLC on a debt that should have been forgiven.
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 account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with XXXX5 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Equifax has criminally turned a blind eye on MULTIPLE occasions even AFTER I have provided COURT DOCUMENTS stating no such accounts exist and NO monies are owed! Including but not limited to UNREBUTTED affidavits of truth submitted to the alleged " original creditors '' to which they did not respond accordingly via affidavit of truth. There is no substance, truth or first-hand knowledge to such alleged accounts, and are elaborate mechanisms fueled by conspiring ( kickbacks ) with original creditors to funnel credits back and forth at the expense of the unsuspecting consumer and FULLY BENEFITING THE CONSUMER REPORTING AGENCIES ( which are not even real BUREAUS ), they are impersonating federal agencies through deceptive and clever means of the companies purpose. These fraudulent accounts have been enforced through deception and negligent reporting. Consumer reporting agencies have NO PROBABLE EVIDENCE ; NO PERMISSIBLE PURPOSE ; NO WRITTEN CONSENT and HAVE VIOLATED MY RIGHTS FOR YEARS!

Court documents & affidavits have been sent via The United States Postal Service as witnesses over to the alleged " original creditors '' in regards to the questionable validity of these fraudulent accounts and have been denied FULL DISCLOSURE AND PROBAbLE EVIDENCE. I have sent a final demand for compliance to Transunions legal department demanding they provide probable evidence, contracts, security agreements, tradelines ; any and ALL and FULL DISCLOSURE/FULL ACCOUNTING/LEDGERS/TAX FORMS AND INSURANCE POLICIES pertaining to XXXX : XXXX.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX account # : XXXX XXXX XXXX XXXX account # : XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any rei-nvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Vehicle loan or lease

I would appreciate receiving an official letter from your office confirming the cancellation of the debt. 

If this charge-off is found to be inaccurate, I expect it to be removed from my credit report.
Product: Debt collection

This debt is from a XXXX hospital, I do not have any XXXX. 
I called the hospital direct n they have no records of my name showing anywhere and they also told me they do n't use this company for there collection services. I also spoke to the collection company the hospital does use and they have no records anywhere. I XXXX this company and the number that shows is not in service. How do I respond or try to get this resolved if there is no phone number or email address to explain to them that I do n't have XXXX and that I do n't go to that hospital. I go to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed A copy of my consumer reports with Experian, XXXX and XXXX and have noticed an account from XXXX has reported as charged off and reported A balance. Back in XXXX I had A XXXX television and sound tower financed threw XXXX XXXX and with the purchase I had insurance with covered the items I leased in the event they where stolen.. On XX/XX/XXXX my home was broken into and the items I leased from the above company was stolen. As A result I filed A police report and informed them immediately that I no longer had the items. I was informed I would have to provide A police report to have the account paid by the insurance and closed out as paid in full. I first submitted the report the incident report on XX/XX/XXXX and was contacted later and informed they could not use the incident report and needed the actual police report. I then reached out and informed them the police had informed me I would have to wait on the report via mail and after I received it I would send those documents. On XX/XX/XXXX In sent the police report via mail and called to advise it was on the way. On XX/XX/XXXX I called again and was informed they had not received the report. This time I went into the local XXXX XXXX XXXX  in which XXXX XXXX is located and provided them A hard coppy of the report and was informed it was be uploaded to my file. 3 Years later I am reviewing my report and notice the account has never been updated as paid in full and instead is listed as A charge off. This is illegal and A violation to FCRA to report inaccurate information. then reached out to XXXX XXXX On tuesday XX/XX/XXXX via phone explained this situation and he informed me to email him A copy of the report and he would foward it to the correct person. He informed me I would hear something back within 48 business hours and I have not recieved any sort of update A week later. Ib ahev subnmitted A dispute with the consumer reporting agencies ith this information coming back as verified although it is truly an account that should not be on my credit report. I have attached the copy of the police report below along with the communication I have had with XXXX at XXXX XXXX.
Product: Checking or savings account

After opening an account with sofi on XXXX XXXX XXXX I made several deposits. A month later, after applying for a loan, I received an agent that manually reviewed the loan. At the exact time of the manual review, the agent put a freeze on my checking account, as well as denied the loan. It was frozen for 8 months afterwards, showing the message " Your account is currently under review ''. They never attempted to reach me or review the account. 

In XXXX XXXX XXXX, I submitted a CFPB complaint. The bank ( SoFi ) responded that they would keep the account on an indefinite hold, until they concluded their review without any indiciation to the time it would take. Since then, I've contacted them by phone several times. 

The last conversation I had was with an agent that said they could and would hold the money indefinitely. After pushing for a supervisor, I was told, to quote, " I'm your last point of contact ''. I reached out several times more, eventually reaching the identification department. After submitting my ID, receiving text messages to my phone number and submitting a scan of my face. I was told that the verificaiton was successful, but the accounts would still be closed and the money in my accounts ( both checking and investment ) mailed back to the address on file. 

That was over a month ago. I can still view the account and the money has not been mailed. They've continuously lied and illegally held my funds for over 2 years now. I'm an XXXX XXXX XXXX woman, not in the best of health and I've had to fight for years over {$440.00}, inbetween much more important things like medical exams and every day life. 

The practices at this bank are deceptive and predatory, especially to those that might be XXXX XXXX XXXX  and I feel the safety of their customers would do well with an investigation into how they manage verification / handling of held funds, as it seems they believe they are the owner of the money at whatever time they choose.
Product: Money transfer, virtual currency, or money service

Paypal banned my account. I comply with their legal agreements but they shutdown my account. According to paypal I violated on their agreement specifically, on sales of XXXX XXXX XXXX XXXX certain XXXX XXXX  or other products that present a risk to consumer safety. I did tell them that I did not use my account on XXXX XXXX But still they did not accept my reason. Please help me restore my account. Because I am using it on my business and I am having trouble on receiving money internationally because of what happened.
Product: Mortgage

Quite silly. The right hand at Shellpoint NewRez does not know what the left hand is doing. Quite simply, using my XXXX XXXX XXXX Checking Account, I enrolled in Bill, XXXX XXXX XXXX XXXX  payment service. NewRez shows up as a " XXXX XXXX XXXX '', and there is no option to enter address information because they are a recognized enrolled payee. 

It is unfortunate that NewRez does not keep their enrollment with XXXX  up to date with an accurate zip code and possibly other information. As a result, payments made to NewRez may be rejected. NewRez will improperly charge a late fee because funds/payments sent to NewRez gets rejected. When I contacted NewRez, they simply state that they are not enrolled in Bill and they act like they don't know their own company. 

I refuse to pay the late fee charged, and NewRez through another representative, agrees that they are in-fact a registered payee with XXXX and XXXX XXXX XXXXXXXX XXXX can pay.

What has apparently happened is that NewRez was involved with a merger/acquisition by Shellpoint and a new XXXX enrollment was created, however, the NewRez information had not been updated. These are NewRez issues, not my issue. NewRez must remove a second late fee added to my account due to the fact that NewRez chose to deny their enrollment with Bill but instead provided false information and refused to work with me to resolve. They MUST remove the second late fee added for the same reason without further delay.