23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was informed by my mortgage lender that Nelnet reported XXXX student loan debts in my name. One loan was reported in XX/XX/2023 in the amount of {$47000.00}. The second loan was reported in XX/XX/2023 in the amount of {$71000.00}. The {$47000.00} loan was reported inaccurately by Nelnet and is part of the {$71000.00} student loan. I contacted Nelnet by email and disputed the report. I also spent approximately XXXX hours on the phone this evening with Nelnet. The representative at Nelnet said that Nelnet is aware that the amount was reported inaccurately as they have received other complaints from other consumers as well. However, Nelnet refused to provide me with a letter stating that Nelnet inaccurately reported my student loan debt. I am in the midst of closing on a mortgage and the lender will not allow the loan to close without Nelnet addressing this issue in writing. I have sold my house and as of this Saturday, XX/XX/2023, I must vacate my current residence and I will be HOMELESS with XXXX dogs until Nelnet corrects their error or at least provides me with a letter clarifying that they made an error in reporting my student loan debt. I explained to the rep at Nelnet that I am XXXX and will not have housing after this Saturday because of Nelnet falsely reporting, and failing to correct, the inaccurate report made by Nelnet to all of the credit bureaus. Nelnet 's response was that it could take up to 60 days for Nelnet to correct their credit reporting error. Therefore, I will be homeless for XXXX plus days?!?! This is unacceptable! I am seeking assistance in getting this matter resolved quickly in order to help me, as a XXXX adult with a XXXX XXXX, retain stable housing.
Product: Bank account or service

I have connected XXXX along with another savings provider to my Chase account for several years. But Chase is now not allowing the account to be linked so I can monitor my savings, budgeting, etc. I am a divorced parent with a child in college and the budgeting tools I am using help me to stay on top of my expenses and monitor my daughter 's educational costs. Please advise if it is legal for the bank to block me from using this site to help me manage my budget if I give authorization for these third party providers? Thanks in advance for your help.
Product: Credit card

In all began, XX/XX/2022. I am not sure of the specific date but you will notice patterns of transactions on two of my credit cards. The transactions came in crazy for about a month. Since then I have been trying to file disputes but I found myself paying interest on transactions that werent mine. For nearly two years I have had to deal with there fraudulent charges. Accumulating to over XXXX. I have had to buy most of it down. The Apple company does a poor job in verifying purchases. As soon as I noticed these charges I requested a new card and apple had sent suspicious activity warning to my email but never did they permanently remove the charges from my account. The discover credit charges began the same week. I noticed immediately too and I have had to speak to multiple people and had to file multiple disputes only to end up in the same spot. Two credit cards having a mass spending is no coincidence. I noticed that not only have I lost the physical card but both these cards are the only two out of the 7 I had that was connected to my phone. I went as far as contacting the police and explaining my situation. It turns out the mall I had visited on my birthday XXXX XXXX there had been reports of stolen information when charging your phone at a port. I tried explaining this to my credit card companys but they cant asking for information I did not have. I figured out the problem but they couldnt grant me the dispute. So please, now I know not to using a phone charging station in a public setting. Ive been severely suffering and I dont want to sue these two companies for the impact of emotional distress Ive been experiencing for the past two years. I have been trying. I am a XXXX  XXXX  just trying to focus on school but I was faced with at a XXXX  age to deal with serious matter.
Product: Mortgage

Hi - The name of the mortgage company we have financed our home with is New Rez and since the beginning we have had several problems with them. However today I am reaching out to Consumer Financial Protection Bureau ( CFPB ) regarding the incorrect property tax paid by New Rez/XXXX XXXX ( New Rez 's supposedly tax department ). It seems mortgage companies are required to collect a monthly amount to be held in escrow so that they can make timely and accurate insurance and tax payments. Unfortunately, these payments have never been made by New Rez on time and the only payment that was done was an erroneous payment. Our home insurance company was going to terminate our insurance because New Rez was not responding to their calls or correspondences, until they reached out to us and we made the payment immediately. Since then we have been trying to close our escrow but when we contacted escrow closure New Rez said we would need to complete a year with New Rez and show that we have paid our taxes before we could close escrow. Therefore, as soon as we received the real estate tax bill, we mailed a check to XXXX XXXX the XXXX XXXX tax collector, for the tax amount indicated on the bill on XX/XX/XXXX. On the same day I sent an email to loanservicing@newrez.com letting them that we have paid our insurance and tax payment that was due and to close our escrow account with New Rez. The next day on XX/XX/XXXX, I called them and informed them the same thing and asked New Rez to stop payment of property tax from escrow. On XX/XX/XXXX I received confirmation from the tax collector that she received our check for the tax payment and was applied to our account. Despite informing New Rez more than once to stop payment, they proceeded to make a duplicate payment of the tax amount from the escrow account. As a result, I have been following up with the tax collector regarding the status of the tax payment received from XXXX XXXX. Tax Collector confirmed that a check numbered XXXX for {$72000.00} was received from XXXX XXXXNew Rez on XX/XX/XXXX, and returned on XX/XX/XXXX via XXXX XXXX ( with tracking number XXXX ). Upon tracking this, it shows that the check returned by the tax collector reached XXXX office on XX/XX/XXXX. However, we have a voice mail from XXXX on XX/XX/XXXX continuing to say that they are waiting on the status of confirmation of return of tax payment from the tax collector. We have been chasing New Rez for over 4 months requesting refund of our funds that NewRezXXXX XXXX wrongly expended. New RezXXXX XXXX have been evading by giving frivolous excuses and delaying our refund. 

Request CFPBs intervention at the earliest to help get our money back and maybe even get us compensation for all the agitation that New Rez has caused us over the past weeks to persuade mortgage companies in taking corrective action to prevent such future occurrences. Please let me know what other information you need from us to take this forward. 

To anyone else reading this a word of caution to please choose your mortgage company wisely if you don't want to run into issues until the mortgage is paid off.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to the all bureaus for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX XXXX XXXX allowed a company by the name of XXXX to report false information on my account. The company XXXX also did not follow FCRA guidelines. 

The creditor failed to notify me when it supplied negative credit information to a CRA The creditor failed to notify me of my right to dispute inaccurate credit information The creditor failed to submit corrected information to the CRA subsequent to investigating your dispute None of the CRA conducted a conduct a reasonable investigation of my dispute. I would like documentation of verification that you received from XXXX that the account is accurate and that I was appropriately notified prior to the company reporting this on my credit report.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Experian and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the fair Credit Reporting Act. The list of inquiries below has " Violated '' my Federally Protected Consumer Rights to Privacy & Confidentiality under 15 USC 1681 Hard Inquiries 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 XXXX 15 USC 1681 Section 602A : States I have the right to Privacy XXXX*15 USC 1681 Section 604A Section 2 : It also states a Consumer Reporting Agency can not furnish an account " without my written instructions '' **15 USC 1681c. ( a ) ( 5 ) Section States : No Consumer Rep
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX # XXXXXXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX
Product: Mortgage

I am filing a complaint against RoundPoint Mortgage for mishandling my financial hardship plan and causing undue financial and emotional distress. 

Timeline of Events : In XX/XX/XXXX, I entered a hardship plan ( 6-month deferment ) due to a job loss, which was approved by RoundPoint. 
In XX/XX/XXXX, 5 months later, I resumed work and contacted RoundPoint to exit the plan. I accepted their offer to move missed payments to the end of my loan term. 
Despite confirming my acceptance, RoundPoint later claimed no record of it, initiated foreclosure proceedings, and demanded additional payments to " restore '' my account to current status. I would make XXXX such calls in which they claim no record of my acceptance. Roundpoint requires consumers to call in to accept the terms. One can not do it online or in writing. 


Current Situation : As of XX/XX/XXXX, my account remains unresolved. I continue to receive collection calls, and RoundPoint has caused unjust damage to my credit through mismanagement and contradictory information. 

I attached screenshop of my account as of this morning. Despite showing a payment made XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to complain against Equifax for discrepancies in my credit report. 

My credit report does not show any late payments. However, when creditors pull my credit, late payments are displayed. This discrepancy has caused me embarrassment and has cost me credit opportunities, including the chance to get a better rate. 

I have attempted to resolve this issue with Equifax directly but to no avail. The inconsistency between the credit report I see, and the one that creditors see is concerning, as it not only affects my financial opportunities but also undermines my trust in the credit reporting system. 

I kindly request your assistance in resolving this matter. I believe that consumers have the right to accurate credit information and that credit reporting agencies should be held accountable for ensuring the consistency and accuracy of this information. 

Thank you for your attention to this matter.
Product: Debt collection

In XXXX of XXXX I received a letter from XXXX XXXX XXXX XXXX stating I owed them {$1700.00}. I sent a letter on XX/XX/XXXX asking them to validate this debt. I did not hear back from them. In XXXX of XXXX I received a similar letter from a different company FBCS , Inc stating I owe them the same amount of {$1700.00}. I sent them a letter on XX/XX/XXXX asking for the same validation. I also received a copy of a paper that appeared to be order for judgement from XX/XX/XXXX, from a completely different company XXXX XXXX XXXX  XXXXXXXX XXXX. The paper did not have a court seal, docket stamp, file number, case number, official letter head or anything official from a court of law. 

I found it to be suspicious, so I contacted the state 's district court where this paperwork supposedly came from immediately. I gave them all the information I had and was told there is no judgement on file against me. The paperwork I was sent is fake. My information can be searched in any court and there will be nothing on file against me stating I owe this debt. Afterwords I sent a second letter stating all the facts. I do not owe this debt, I've never heard of their company and I do not owe them. There is no court judgement against me. I received a letter stating this account will be put on hold in their office, dated XX/XX/XXXX. 

Today XX/XX/XXXX I receive a call from someone at FBCS , Inc on a recorded line stating that I owe over {$5000.00} and if I didn't pay, they know where I worked and would have my wages garnished and have their lawyer come after me. The lady on the phone scared me so I feel compelled to report them. I'm sending them another letter as well an contacting the credit bureaus.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. 
Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

The number listed on my credit report next to the hard inquiry is not in service. I could not speak with anyone about it being fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an inquiry alert from XXXX  regarding and a fraudulent inquiry submitted on XX/XX/2021. I disputed the inquiry and advised that I did not request a application from AMEX. I contacted AMEX and they agreed to remove the inquiry and cancel the application. 

The inquiry has not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sure you are well aware of the legal actions taken against Santander Consumer USA in regards to their poor financing and reporting practices. I have obtained a copy of the Final Consent of Judgement against Santander from the State of Pennsylvania ( where I purchased this vehicle ) and have had it reviewed and provided a copy for your records. 
My prior car loan with Santander Consumer USA Loan ( XXXX ) was opened XX/XX/XXXX and there for falls into the dates included in the judgement which are XX/XX/XXXX, XXXX XX/XX/XXXX. All orders of this judgement are dated effective as of XX/XX/XXXX. 
Section 16 of the judgement states " Santander agrees to provide notice to each CRA to which Santander reports, requesting deletion of the trade lines associated with the account for all Deficiency Relief Consumers and for the Consumers who receive relief pursuant to Paragraph 11 '' Since this account has deficiency reporting, it meets the requirements under this judgement and it is to be removed from my credit file immediately. I have submitted multiple disputes to the ALL 3 major credit bureaus ( XXXX, XXXX, and XXXX ) regarding removing this account from my credit report and each time it comes back as the information is validated as accurate, however that is 100 % incorrect as it should been removed ( along with any collection accounts associated with this tradeline ) because of this judgement.

This account Santander Consumer USA Loan ( XXXX ) needs to be deleted from my credit report on all 3 major credit bureaus ( XXXX XXXX XXXX XXXX and XXXX ) immediately. This inaccurate information is a detriment to my credit and due to the lawsuit against Santander consumer USA, it needs to be removed immediately. I will be getting my attorney involved if this is not resolved within the next 14 days. 

Thank you.
Product: Debt collection

I have spoken to this debt collector multiple times, the first time being XXXX. I have made it clear that the debt was not mine, that I did not live at the property they have claimed I have move out fees from. I was told they would send me a fraud packet, a week later, nothing received and I call again. Im told they are now trying to get a copy of the lease to validate the debt. I then call on XXXX, after still nothing has been received, and Im told they are still working on it, but cant remove the account from my report, even though it has been greater than 30 days since I initially requested information to be mailed. Now I have filed a report with FTC for fraudulent activity/identity theft. As of last week, they have received my report and the letter with my request stating that I demand the account be removed, yet Im told again that they can not do this. It has been XXXX weeks since I began dealing with them, and since I requested this fraudulent account be removed. I have been denied rental property applications due to this account and am staying in a hotel. This is creating an unnecessary expense, due to their refusal to support my fraud report and follow the law in reporting the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, MIDLAND FUNDING LLC add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MIDLAND FUNDING LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Checking or savings account

My complaint is with Wells Fargo Bank # XXXX in XXXX XXXX, Texas. I have been battling this since XX/XX/XXXX when Wells Fargo let someone clean out my savings account while i was XXXX  XX/XX/XXXX thru XX/XX/XXXX. I went into the branch nearest me and filed a claim. The employee that recorded my claim had the details halfway correct. The claim should have been for {$1300.00}, but the teller made it for {$300.00} in which it was denied because the bank sent the thieves a replacement debit card and they used it to withdrawal money. So, a year later and I still have n't gotten my money back. And the kicker is I even have a police report on my identity being used.
Product: Checking or savings account

So im a XXXX mobile detailer, and I gota text asking me if I could polish and ceramic coat XXXX of this guy 's cars. He sent me XXXX {$1000.00} checks before any work was done, so I was confused by that, but he started telling me to deposit them, so I did just that. I then found out he's another scammer trying to do check fraud because he was making me pay his drivers. So I blocked the guy and called Bank of America to tell them I deposited XXXX fake checks. they said, " oh, they'll just bounce, so make sure to not spend any of it '' and they said my account would be fine. Then today I tried signing into my account, and I couldn't, so I called, and they said they finalized the decision to shut down my account. I called and told them how was I supposed to know they were fake and I got a nasty tone saying " we'll you're the one who deposited them ''
Product: Money transfer, virtual currency, or money service

I tried to Remove XXXX XXXX from my Paypal account, but got an error message. I immedately contacted support. I had a XXXX week conversation via XXXX XXXX with Paypal trying to get the account removed. They asked me to change browsers and repeated info in the FAQ and they tried but the account was never removed. 

About a week later Paypal charged the account that I asked them remove XXXX weeks ago and it created XXXX nsf charges totalling XXXX and they are refusing to refund the charges. 

The issue was reported to XXXX ID is XXXX. Additionally he refused to help me and answer questions about my account.