23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX Received a call from Nelnet saying they needed my information before they could tell me what the call was regarding about my account XXXX After requesting clarification before providing any personal identification information, as this call was unsolicited and from a number that did not match the nelnet customer service number, the caller refused to even give any high level information. 
I ended the call XXXX After calling in the confirmed Nelnet customer service line I asked for confirmation of the earlier call and what it was regarding. They said it was to confirm my address XXXX After confirming the information, I asked about loan consolidation options. My goal was to identify what a weighted average interest rate would look like before committing to this option. I was told by the Nelnet representative that in order to find out what the interest rate would be I would need to commit to consolidating first and then find out how much it would be. When sharing that for any other loan type or refinance I could find out what the interest rate would be before committing but she confirmed that was not allowed by the Dept of Education and they wouldnt provide that
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute information directly with XXXX XXXX XXXX Mortgage, Trans Union, XXXX, and XXXX. Each time the information is updated as correct even though information / documentation supports my request and dispute. 

In XX/XX/2020 I was nervous with onset of Pandemic, my company was reducing pay, auto allowances, etc. The Cares Act was put into place to over COVID Forbearance. I was advised this would not have a negative reporting aspect on personal credit reports. This is incorrect. 

I paid my XX/XX/2020 pmt. and requested COVID forbearance out of fear of pandemic, not inability to pay. Immediately my credit score dropped nearly XXXX points. Once I noticed this in XXXX, I called XXXX XXXX and requested to be removed from Forbearance. I was advised that since I had a VA loan, I had to make XXXX on time payments before my loan could be reinstated. Aug 2020-Dec 2020 I made payments on my mortgage that are not being reflected on my personal credit report. My report stated not reporting ; furthermore, my balances are not reflected correctly. All bureaus are reporting a different balance than the actual balance depicted on my report. 

I reached out to XXXX XXXX requested a payoff, that balance is not the balance reported. There was a discrepancy with my Escrow account, I requested an update, that balance is not what is reflected. My credit report states natural disaster / earthquake. As I stated there was not supposed to be negative information depicted on these reports. Not reporting accurate balances, payments, stipulating natural disaster, etc., are all items an underwriter will assess as negative. 

Companies need to remove and accurately report. I was not advised correctly and that was not anyones fault, we were in uncharted waters. My complaint is once I noticed I reinstated my payments, and they are not reflecting on my credit reports. 

Sincerely, XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

I have a collections account from a company called XXXX XXXX XXXX sunrise credit. It says it was opened XX/XX/year>. 

This is fraudulent, I live at home with my mom and have been on her cell phone plan through cricket. I just finished school, I do not have a job nor can I afford to apply for any credit. I do not have bills at this time, my mom supports me. 

I have placed a freeze on my account. I am unsure of how my information was stolen. I have contacted the company, they said they are mailing me some paper work to fill out, I have filed a police report. Please help me get this fraud removed from my credit.
Product: Checking or savings account

I have been a customer of your bank for over 15 years. I was recently scammed by a seller that was impersonating the correct seller. Their XXXX profile was exact, including the same website and photos, including descriptions. I made three purchases with them through XXXX, and they told me to pay with XXXX XXXX XXXX  This is what I have done in the past with trusted sellers, and always received my items. One of my friends noticed the seller 's ID was different than the one she had, and immediately I confronted the seller who told me to stop the XXXX dispute and that they would refund me in full. At this point, XXXX had already denied my claim since the transaction was through XXXX XXXX XXXX. The scammer saw that the dispute was closed and blocked my account and never refunded me. I called Wells Fargo, the bank I trust with my money to rectify this situation, and instead was told since it was an authorized charge they can't do anything about it. This is close to {$1000.00} I was scammed out of and banks are supposed to have their customers ' best interest, and this is why we use them. I have already gone ahead and filed a claim with CFPB, Consumer Financial Protection Bureau, with the government for XXXX, and will be filing a claim with CFPB with Wells Fargo as well. 

Screenshots of transactions and conversations with the fraudulent seller : XXXX XXXX XXXX Dates : On XX/XX/XXXX message seller inquired about a product On XX/XX/XXXX purchased the product with the email, the seller gave me through XXXXXXXX XXXX XXXX  XXXX XXXX XXXX price : was {$440.00} plus {$4.00} XXXX fee XXXX 

On XX/XX/XXXX The seller told me my order was being prepared and that if I bought anything else it would be 30 % off. I got happy and placed another order for {$390.00} through another email the seller gave me through XXXX. 

On XX/XX/XXXX, I took advantage of the 30 % off and purchased one more item for {$110.00} plus XXXX XXXX fees through XXXX with another email the seller gave me. 

On XX/XX/XXXX, discovered the seller was a fraud and confronted them through wechat. They told me they would refund me in full once I cancel the XXXX dispute, which had already been denied. 

On XX/XX/XXXX continued to talk to the seller about refunding me until XXXX XXXX until they eventually blocked me. 

I called XXXX twice and emailed. Both phone conversations were with someone in another country who refused to help me. 

I called WellsFargo and made a claim and was transferred to the claims department where they told me they aren't liable for me being scammed and my claim will be denied. 

This was money I had saved and was thinking I was purchasing through a trusted seller. 

I would like this matter resolved immediately and for me to be refunded. XXXX also told me I had to contact Wells Fargo. How can customers trust banks that don't cover or protect them in these situations when we trust you with our money? 

I look forward to hearing from you and hopefully, this will be resolved in a quick manner.
Product: Mortgage

I applied for a mortgage loan with Civic at the end of XXXX. I received a pre-approval defining the terms of the loan. However, Civic did not disclose to me that if the loan is past due, the interest rate will increase to 18 %. In XXXX XXXX, due to financial hardship, I failed to make the monthly payment on time. As a result, the interest rate increases to 18 %. I tried contacting them to see if they are willing to reduce the interest to what it was at the inception of the loan ; however, they refused to.
Product: Checking or savings account

I was hit with XXXX overdraft fees from Wells Fargo. And instead of working with me or trying to resolve the issues they allowed them to make my account negative. My account was then closed because of the amount of overdraft fees.
Product: Credit card

Subject : Formal Complaint Against XXXX Credit Card for Unauthorized Charge and Customer Service Scam Dear Sir/Madam, I am writing to formally complain about an unauthorized transaction and subsequent poor customer service by XXXX Credit Card , which has not only affected my financial standing but also my personal well-being. 

On XX/XX/2023, my XXXXXXXX credit card was charged {$5400.00} without my authorization. The details of the recipient of this charge were not included in the transaction record, which simply shows as " completed '' but lacks any payment information or recipient details. I have attached a screenshot of the transaction as evidence of the missing details. 

Despite repeated efforts to resolve this issue through customer service, my complaints have been met with inadequate responses. Each time I contact XXXX 's customer service, my call is transferred multiple times without any resolution. I have called monthly since the charge appeared, and each interaction has been documented with a different complaint number, the latest being XXXX. 

This ongoing issue has severely impacted my financial health, affecting my ability to pay rent and other bills, and has caused undue stress and hardship. Additionally, XXXX has continued to charge interest on the unauthorized amount and is demanding a minimum payment of XXXX XXXX  monthly, further exacerbating my financial strain. 

Enclosed are copies of the transaction proof and email correspondences with XXXX 's customer service, which demonstrate the lack of effort on their part to rectify this fraudulent charge. 

I am seeking a full investigation into this matter, the reversal of the {$5400.00} fraudulent charge, the correction of my credit report, and a cessation of further interest and payments related to this charge. I believe XXXX has violated consumer protection laws and has not adhered to ethical standards in managing my case. 

We need justice. Thank you for your attention to this urgent matter. I am hopeful that with your intervention, this issue will be resolved justly and promptly. I urge you to also review similar complaints from other customers, accessible via online forums and consumer complaint boards, which suggest a pattern of fraudulent practices by XXXX, affecting many innocent people across the XXXX. Here are some angry customer complaints similar to my cases from reddit consumer reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Sincerely, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

I looked at my Transunion 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 reinvestigation 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 reinvestigation; 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: Credit card or prepaid card

Direct Express locked my account. I believe it was because a new card was sent to an old address Customer service has refused to open the account and let me with draw my funds. They are holding two Social Security pension checks one for XX/XX/XXXX and one for XX/XX/XXXX. Customer service began to hang up on me after checking their records and the number of contacts They initially asked that I submit a list of documents to verify my identity. I explained I was retired more than XXXX XXXX XXXX XXXXXXXX XXXX XXXX, lived out of the country and would submit what I had. I sent my social security card, expired XXXX XXXX XXXX XXXX XXXX current XXXX XXXX with picture and US marriage license. I went to the XXXX XXXX XXXX  in XXXX XXXX and they signed off on my documents and verified my identity. Direct Express refused to accept any of them. I could not produce a drivers license as I never had one. I could not produce a current wok ID as I have long been retired I need to retrieve the funds from my closed account
Product: Student loan

In XX/XX/2016, I was fired from my job. Up until that point I was making payments every month. The program I was in required automatic payments. I called to see what my options were since I did n't have an income and they said I did n't have any and I will have to continue to make payments. I asked them how they expected me to make payments when I did n't have any income? They did n't want to hear it. They continued to take the money from my bank account every month causing my account to go seriously negative. I have a new position now however I 'm seriously in the hole because they failed to help in my time of need. I only wanted to postpone payments a couple of months until I got back on my feet again. They are a terrible company out to rob former students. I ca n't buy a house because of these loans. I will never be able to if they keep adding interest and fees onto my account. I 'm sick of it and extremely fed up.
Product: Prepaid card

I purchased XXXX Amex virtual gift cards for {$XXXX} each in XX/XX/year>. These prepaid cards have proven to be too difficult to use, because it gets declined almost everywhere, making the card pretty much useless. I've had it get declined when trying to purchase at : XXXX XXXX XXXX app XXXX Also if you try to add it to your XXXX wallet, it won't work, because the {$XXXX} test charge that XXXX sends will get declined. 

I called Amex customer support and they were unhelpful, telling me to use it at merchants that collect the card security code and expiration date. But I was already doing that! The customer support was unable to provide me a resolution, even though I asked them to authorize the transaction ( they just repeated to me the line about card security code and exp date ). The customer support was also hard to understand because Amex outsourced to a foreign country with a heavy accent.
Product: Debt collection

XXXX XXXX XXXX is the name on one credit file and summit financial is on the other credit files I am a identity theft victim XXXX XXXX XXXX lives in XXXX Texas stole my identity I never traveled to Texas at all been in XXXX FL for entire life. I have the texas address listed on my credit file as a formal address?
Product: Vehicle loan or lease

While looking over my financed agreement I realize I was over charge and taken advantage of.
Product: Vehicle loan or lease

I have purchased a vehicle in XXXX XXXX and got approved for finance with my bank, Capital One. XXXX has a policy, that the car can bear retuned within 30 days with no questions asked. I returned the car on XX/XX/XXXX ( after 2 weeks ) yet my bank still didnt receive the payoff amount and my first payment is due on XX/XX/XXXX. I have in my hands a voided contract from XXXX and no car, yet my loan is not cleared with Capital one. I was told several times that it takes about 10-15 days and again, even after calling 20 times the business office at the XXXX XXXX store and the headquarters in Virginia, there is ions explanation and response. Capital one didnt receive the payment and I was demanding to get a crack number or a tracking number. This is a legal fraud and theft, when customer gave up the car, the contract is voided yet I am still response for the payment. Please help me resolve. I dont want to be in collection with my bank for something I am no longer responsible for. This is a scam and the worst possible customer service experience
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in regard to the AMEX/CITIBANK , N. A XXXX  XXXX. This item was disputed using CFPB. The complaint was sent on XX/XX/22. XXXX completed its investigation, including contacting the furnisher of the information. On XX/XX/22, XXXX responded and deleted the account from the credit report, but only XXXX deleted the account. The other credit bureaus didn't. 

This is a violation of FCRA 623. FCRA places the burden on the furnisher of the information to update any reporting so as to maintain its current accuracy. FCRA 623 ( a ) ( 2 ). Additionally, FCRA 623 ( b ) ( 1 ) ( D ) requires that if an investigation of a dispute, the furnisher finds any information to be inaccurate and thus in need of correction or deletion, they must provide those results to all other consumer reporting agencies to which they have also reported the disputed information, and not just to the CRA handling the dispute.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : -XXXX Account Number : XXXX XXXX / Experian / XXXX XXXX Account Number XXXX XXXX XXXX / Experian
Product: Credit card

You CANT be DENIED credit due to credit score, credit history, or income. Any adverse actions in consumer credit transactions is illegal.

15 USC 1691 & 12 CFR 1002 If you're denied, you have 30 days to submit a request for reconsideration. They are required to reverse the denial into an approval
Product: Debt collection

I BOUGHT A CAR IN XX/XX/XXXX, WITH AN EXTENDED WARRANTY, IN XX/XX/XXXX I STARTED HAVING ISSUES WITH THE CAR, I CONTACTED THE DEALER AND THEY DIAGNOSED IT AS A CRAKED HEAD GASKET BUT IT WAS NOT COVERED UNDER WARRANTY, I THAN CONTACTED THE LENDER CONSUMER PORTFOLIO, AND TOLD THEM THE CAR HAD A CRACKE HEAD GASKET AND I WAS TOLD IT WAS NOT UNDER WARRANTY, THE ONE THE DEALER SOLD ME SO I WAS GIVING THE CAR BACK. DUE TO COVID THE DID NOT COME GET THE CAR UNTIL XXXX. THEY SOLD THE CAR AND PAID OFF THE LOAN, BUT CLAIMI STILL OWE XXXX THEY VERBALLY OFFERED ME A DEAL THAT IF I PAID THEM XXXX THEY WOULD WIPE OUT THE REST DUE AND CORRECT MY CREDIT. i COULD NOT GET ANYTHING IN WRITING. SO INSTEAD THEY SOLD THEY AMOUNT THEY SAY IS DUE TO A COLLECTION AGENCY IN XXXX WHICH MESSED UP MY CREDIT AS ITS SHOWING AS A NEW COLLECTION INSTEAD OF BEING REMOVED FROM MY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

SEE ATTACHED DOCUMENTS In accordance with the Fair Credit Reporting act XXXX XXXX XXXXt # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2
: It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

On XX/XX/XXXX Bank of America withdraw {$4100.00} from my checking account to offset a late credit card account, in violation of federal law. I called and talked to numerous people at Bank of America and they refused to reverse the offset, even when I reminded them that it is a violation of federal law to use a deposit account to offset a credit card debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS RECEIVING BILLS FROM A COLLECTION COMPANY. I WONDERED FOR DAYS WHY I RECEIVED THIS COLLECTION BILL TWICE, IF I KNEW I DIDNT OWE ANYTHING. I GOT ONTO MY XXXX XXXX   AND SAW I WAS SENT TO COLLECTIONS AS WELL. I TOOK ACTION AND PULLED MY CREDIT REPORT ON XXXX XXXX. I AM EXTREMELY SHOCKED WITH THESE ACCOUNTS ON MY REPORTTHAT I HAVE NEVER OPENED. THESE ACCOUNTS DO NOT BELONG TO ME PLEASE REMOVE THESE ITEMS FROM MY REPORT
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed damaging information that should not be on my credit report such as unknown inquiries, and improper late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and correction of the erronneous information reported on my credit reports has been ignored. The last letter I sent to Experian, XXXX, and XXXX Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following erroneous Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items corrected as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I have had three separate attempts to obtain fraudulently a Menards XXXX Card issued by Capital One in my name in the past few months. The attempts for the card have been thwarted by XXXX because I have a freeze on my credit. I have contacted Menards and they said call Capital One. Capital One said put a freeze on with credit bureau which I already have. No one can give me any information on any investigations into this attempted fraud. I would like to know if the attempted fraud is originated in the Menards stores I frequent or elsewhere. I would also like my my accounts flagged so that reoccurring fraudulent credit requests be disallowed immediately during application.
Product: Debt collection

I had service with  XXXX  's internet and the sales associate mislead me in purchasing the equipment which I did then misinformed me when I got the service that I could watch and browse the internet with all the data I was buying I got a bill for ov er a thousand dollars which I canceled the service I told them they need to train Thier employees about lying to con sumers and customer service I do not owe the debt it was paid and canceled
Product: Checking or savings account

Respected Officials, I noticed that wellsfargo ebill payment feature is showing an invalid amount. 

The amount shown is {$12000.00} for a credit card bill. 

The amount is incorrect because the balance has been paid in full. 

I request wellsfargo to fix this. 

XXXX XXXX XXXX CREDIT CARD XXXX eBill due XX/XX/21 {$12000.00}