23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX I was made aware that i was scammed by XXXX  XXXX XXXX  XXXX for my {$450.00}. deposit. I immediately called XXXX and found out about this scam from one of their workers and called my bank Santander as well as the XXXX. XXXX XXXX XXXX XXXX and filed a report. Santander put a permanent freeze on my debit account as well as my checking account. A claim was filed with Santander which put a freeze on all my funds. I was told by Santander that I could close my account with them however not until my fraud case was closed. I was told to write in a request to close the account as well as put in my claim number as i was a victim of identity theft. After waiting over 3 weeks and no answers I called Santander to find out the person who filed my claim entered it incorrectly which in turn was going to extend the wait another 10 days. I had called the bank numerous times and spoke to numerous people who were giving me incorrect information which i found out the next time i called. I have been hung up on by managers, put on hold for people not to pick up after waiting over 30 minutes on hold. No one will help and answer what is happening. After four weeks of no money and no answers I finally got the check in the mail. I called Santander to find out why my account was closed with the fraud case still open they said because of the request to close my account. I explained that I was told to submit that letter and the account would not be close until the fraud claim was closed which they said they closed it because of my request. I called Santander over ten times in the span of the four weeks and everytime I spoke to someone I was told different information. Yesterday over a month since this all started i received a letter saying my claim was closed and I was not receiving the {$450.00} i paid which was a fraud. I tried to call the bank and get answers and no one wants to help me. They can not authenticate me when I call because I had to freeze my credit with all 3 credit bureaus. I have had no access to any money for over a month and was denied a claim that was 100 % true due to being a victim of identity theft and no one will take my call and help me. They just closed out my account and said you are not getting your {$450.00} back that caused all of this
Product: Debt collection

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished. 


Please see attached file
Product: Credit reporting or other personal consumer reports

Equifax is reporting XXXX credit card with a balance of {$6600.00} on XX/XX/year>. This balance is reported incorrectly. The correct balance should be {$76.00} since XX/XX/year>. There were no changes since then so therefore this reported balance needs to be corrected. My score has dropped XXXX points due to this false report.
Product: Student loan

In XXXX of XXXX, I reentered into payments with Nelnet and was paying under the XXXX plan per their billing statements. I made every payment timely and my interest, per the statements, was decreasing by {$3.00} per month ( verifiable by Nelnet 's billing statements covering XXXX ). 
In late XX/XX/XXXX I was sent a notice to recertify for my payment plan for the new period set to start in XXXX. I completed this process twice in late XXXX ( the second time was because Nelnet was sending me letters stating they need my checks to process a deferment -- I never requested XXXX and spoke to Nelnet who said I must have completed my recert wrong so I needed to do it again ). Nelnet then took it upon themselves to repeatedly put me into forbearance causing loan interest accrual of approx. {$900.00} NOT covered by the XXXX plan AND the inability to make PSLF qualifying payments for XXXX, XXXX, and XXXX. I spoke to Nelnet several times regarding this and they refuse to adjust for any hardships placed on me via their actions completed without my consent. 
I spoke to a Nelnet Ombudsman today ( XX/XX/XXXX ) who reported to me that all the above is proper way to handle recertifications in early XXXX per the department of DOE. I called the DOE to confirm ( as this sounds ludicrous ) but was unable to get through. 
I have a trove of digital evidence to confirm not only the above, but I wide verity of examples of Nelnet and the DOE ignoring my pleas for help, sending me multiple requests for information they are not entitled to, and so much more. Please, if you require ANYTHING from me to verify my statements, I will be happy to provide such items. 

Of note : The uploaded statements reflect payments made during the months in question and while in forbearance. The last payment I made is {$20.00} on XX/XX/XXXX to be applied to my XXXX bill. The other payments were " made '' by Nelnet taking it upon themselves to apply my continuous {$4.00} overpayments to these months rather than the month I paid them -- again without my consent. I wanted to pay every month to make qualifying PSLF payments.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishes, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes.These failures align with my experience of which Experian has neither corrected nor removed disputed items despite the evidence provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts. As Experians inactions violates federal law and my rights as a consumer.
Product: Credit card

Hello, I previously submitted a complaint with CFPB weeks back and still can not get through with Capital One to find a resolution. The Capital One Credit Cards that have been closed are under my former name, XXXX XXXX. My current last name is XXXX. The XXXX credit cards I am referencing were closed in the last 12 months. The cards were a Platinum One and Quicksilver credit card. Capital One informed me that they can not locate my account based off the Case # Capital One provided in the attached letter. I would really like to find a resolution and resolve my credit card balances with Capital One, but I truly need them to understand I have financial hardship and am asking they settle for a lesser amount. Please help me and have them contact me at my phone number- XXXX XXXX XXXX. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. about an year ago I had XXXX XXXX help me out with a issue for my XXXX   XXXX/XXXX. I opened that account about 3 years ago now. The first bill never came to my house. i tried to get into contact with XXXX but no answer. until 4 months later upated my info and paid the bill. i would like to see if you guys would be able to help me removing the late payment history. Even1 or 2 remarks would be very helpful. The last 2 years and 8 months I've paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters to XXXX, Equifax, and XXXX in regards to items listed on my credit report that are not supposed to be there. No changes have been made to my credit report even after sending certified letters requesting the items be removed immediately since these companies have failed to respond to my previous letters before I seek litigation. 
As a consumer I there are laws in place to protect me and these companies continue to be willfully non-compliant. 
I am seeking the help of the CFPB to intervene at this point. 
I will upload all items that were sent to these companies as well as proof of their receipt of these items.
Product: Vehicle loan or lease

I applied for a pre-approved loan that was advertised if approved I can use a blank check to purchase a vehicle with only a disclaimer if full amount is not used or vehicle value is overpriced, Navy federal will not honor rate or amount over. I purchased a vehicle through XXXX XXXX in XXXX  on XX/XX/2019 under blue book value and transaction went smooth and drove vehicle back to XXXX. About 4 days later the dealer ( XXXX XXXX XXXX XXXX XXXX ) calls and notifies me of issues with Navy Federal not honoring the check due to Vin number being for commercial classified truck. Navy Federal did not disclose this in their pre- approval instructions and vehicle was a privately owned ( 1 owner vehicle ) used to pull an RV. Navy Federal gave me a run around first stating problems with vehicle as collateral, then directed me through a new loan process, only to deny me again due to loan type not qualifying for vehicle purchase. This forced me to shop last minute for lenders, to include financing through XXXX XXXX, resulting in multiple credit inquiries further sending red flags for other lenders. I am currently in possession of said vehicle, which is already insured privately, but am in limbo while also juggling my military duties. This situation stemming from Navy Federal has caused me undue stress, burden, and damaging results to my credit and I am seeking resolution. I have never missed any payments and have 2 active mortgages, several credit cards balance always paid in full with no remaining balance, and a personal loan which has been paid always on time with additional principle.
Product: Checking or savings account

Opened an account on XX/XX/XXXXwith Santanders promotion to receive {$220.00} after 90 days after meeting terms, ( Receive a {$220.00} bonus by opening an eligible new checking account with the promo code XXXX and doing the following : Receive direct deposits totaling at least {$500.00} within the first 90 days, AND Keep your account open for at least 90 days. ). Direct Deposit Orin the amount {$500.00} was credited to the account on XX/XX/XXXX. It has been 6 months since account opening and the bonus was never received after agreeing on promised terms.
Product: Credit reporting or other personal consumer reports

There are XXXX accounts. XXXX is XXXX XXXX for {$3000.00} that I have been trying to get removed from my credit report multiple times I sent them my documentation showing that I was in XXXX  during the time that this was opened. They refuse to send me any documentationthat shows that I open the account. They sent me a statement. No signed documents nothing. The other account is. LVNV funding. XX/XX/scrub> 2020 I sent them the same documents showing I was in prison when this account was opened so there is no possible way that this account is mine and they refuse to remove it. All three credit bureaus refused to remove this off of my credit as well. They are both showing that they are the original creditor and that is incorrect. Because they are collection agencies. I dont know what else to do, but to file a complaint against all three credit bureaus for not removing this information as incorrect. The dates are incorrect. The amounts are incorrect and the person responsible for these are incorrect. Please help I dont know what else to do. I am trying to buy a house in the credit bureaus work for the companies, not for the consumer.
Product: Payday loan, title loan, personal loan, or advance loan

From XX/XX/21 i was charged extremely high interest rates, One main financial was misleading deceptive and violated my rights. there was so many hidden disclosures. I had to borrow money to pay extra fees in order to keep my car. I will never ever get another loan with this company nothing but problems feeling overwhelmed.
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 168b permissible purposes of consumer reports. 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. 

Inquiry : XXXX Inquiry : XXXX XXXX  Inquiry : XXXX XXXX  Inquiry : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Product: Debt collection

This number XXXX has been calling family and friends looking for us saying they want money from us for some debt and give no name as to their business or information about the matter but never have we received a call from them. When I looked up the number it was reported as a scam alert. Plus that number is not in service and goes to a XXXX voicemail service when called. The name my mom got was XXXX XXXX. She was uncertain as to the spelling of his last name. This has happened before and I do n't know how to stop it.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a XXXX account on my credit report that I believe is incorrect and is being re-aged. The account is listed with a balance of {$7200.00}, and the date opened is XX/XX/XXXX. The most recent date reported is listed as XX/XX/XXXX, which reflects a significant discrepancy and appears to be an attempt to re-age the debt. I am currently in the process of disputing this debt, and it is being inaccurately reported, despite my dispute. 

The reporting of this debt raises serious concerns regarding my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that information on a credit report be accurate, up-to-date, and complete. By reporting the account with a date reported of XX/XX/XXXX, XXXX and XXXX are effectively re-aging the debt. This gives the false impression that the debt is more recent than it truly is, and it extends the negative impact of the debt on my credit report, despite the fact that it is still under dispute. 

My Rights Under the FCRA : Right to Accurate Information ( Section 607 ) : The FCRA mandates that the information reported by credit reporting agencies must be accurate and complete. Reporting the date opened as XX/XX/XXXX and the date reported as XX/XX/XXXX, which suggests recent activity, is an inaccuracy. This report misrepresents the status of the debt and gives the impression that it is newer than it is. 

Right to Dispute Inaccurate Information ( Section 611 ) : I am actively disputing this debt, and I have already communicated with XXXX regarding the incorrect information. The debt should not be reported as more recent than it is, nor should it be re-aged. 

Right to Delete Inaccurate Information ( Section 605 ) : If a debt is inaccurately reported, I have the right to request its removal. This debt is being reported as an open and active debt, and the date reported appears to be an attempt to reset the timeline, which I believe is a violation of my rights under the FCRA. The reporting of this account as re-aged is misleading and should be removed from my credit report. 

Request for Correction : I request that this account be corrected immediately. The date reported must be updated to accurately reflect the correct reporting period. If XXXX can not provide verification of this account 's current status or demonstrate that the debt is accurate and valid, I request that it be deleted from my credit report entirely. 

I also ask that XXXX investigate this issue and ensure that all future reporting of this account is accurate, complete, and in compliance with the Fair Credit Reporting Act. 

Please confirm that this issue has been resolved, and provide me with a written explanation of any actions taken. If you require any additional information or documentation to process my dispute, please do not hesitate to contact me. 

Thank you for your attention to this matter.
Product: Checking or savings account

Bofa gave my information to someone who has stole my identity and whoever stole it took money out of my bank account {$4000.00}. BofA is irresponsible and they shouldn't have did that ; they should have contact me letting me know that fraud was happening too my account. This is the second time this has happened first time it was {$590.00}. This needs too stop. This never should have happened a second time. And bofa should have know better then too give my funds away too someone pretending to be me over the phone without asking the proper question. They need to be held responsible for they are blunder and misuse of my funds illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently realized several accounts I've never applied for nor received any credit, money, etc that has been appearing on my credit reports. During this time I've reached out to the bureaus, my local law enforcement, and original creditors in trying to resolve this issue. I recevied a letter from a fraudulent account listed under XXXX XXXX XXXX XXXX XXXX XXXXat was previously deleted now reinserted. I've sent Equifax supporting documentation from greensky in regards of them closing this account due to fraud but for some reason this account continues to report on my credit file. Under the fair credit reporting act as a fraud victim this violates several statues and this account should not be reporting on my credit file at all. Equifax has received supporting documentation such as identity theft affidavits, a police report, and disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX FL XXXX, NY XXXX XXXX XXXX OF XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, a debt collector, inserted adverse information into my credit file. On XXXX XXXX, 2023, I dispatched a certified letter, invoking the Fair Debt Collection Practices Act ( FDCPA ), demanding validation of the debt. Despite a lapse of 30 days from receipt of my demand, they failed to validate the debt, thereby violating the FDCPA. On XX/XX/XXXX, I formally notified Equifax of this violation via certified mail, urging them to remove the derogatory information reported by the debt collector. Regrettably, Equifax declined to take action. Instead, they reiterated that they had contacted the debt collector and verified the debt 's association with me. Legally, Equifax was obligated to expunge the derogatory information.
Product: Mortgage

I have nearly PAID OFF a XXXX fixed rate MORTGAGE for a property that I purchased in XXXX. My mortgage is currently serviced by MR COOPER. 

I am XXXX AHEAD of the mortgage payment schedule. It was very important to me to pay off the mortgage EARLY as I am now a XXXX XXXX and this is the only property that I own, and I this is the home where I live. I am the only owner of the property. 

In XX/XX/XXXX, I logged on to the Mr Cooper website to make a payment, and the MONTHLY PAYMENT schedule listed the AMOUNT DUE as {$1300.00}. My account overview lists the INTEREST BEARING PRINCIPAL BALANCE as {$1200.00}, less than the monthly loan amount set by Mr Cooper. 

When I tried to make a payment for XX/XX/XXXX, the website instructed me to make the payment for LESS THAN {$1100.00}. I made a " partial payment '' of {$1000.00}. on XXXX. Mr Cooper HAS NOT APPLIED this payment to my mortgage balance, so my principal balance remains the same, and Mr Cooper has not subtracted the partial payment I made of {$1000.00} from my principal balance. 

Furthermore, I was charged a LATE PAYMENT fee of {$24.00}. 

I have repeatedly called Mr Cooper to try to rectify this accounting error, but have only encountered artificial intelligence. Do any HUMAN BEINGS work at Mr Cooper? 

Additionally, I am getting automated phone messages from Mr Cooper telling me that my mortgage payments are overdue ( I am XXXX ahead of schedule! ) and that they are a debt collector. 

A XXXX billing from Mr Cooper has added on an additional month 's payment due, now RAISING the amount they are billing me to {$2500.00}. Their records indicate that my INTEREST BEARING PRINCIPAL BALANCE is still {$1200.00}, as they have not yet applied the partial payment of {$1000.00}. I made on XX/XX/XXXX. 

XXXX. I need Mr Cooper to apply the {$1000.00} payment I made on XXXX, subtracting it from the principal balance. 
XXXX. I refuse to pay a " late payment fee '' of {$24.00}. 
XXXX. I refuse to pay Mr Cooper for amounts beyond the principal balance! 

THANK YOU! 
I appreciate your efforts!
Product: Debt collection

My information has been sold to a third company which turns out to be a fraud law office " law office of mitchell " the date on my credit report shows XX/XX/XXXX this company has two of my medical bills one at {$63.00} and the other {$1300.00}, I have not received a notice in the mail about this from the collections agency that was assigned my debt.