23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Im filing this CFPB complaint to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that the following companies Equifax credit reporting agency XXXX XXXX credit reporting agency , and XXXX credit reporting agency delete and block information appearing on my consumer credit report that is a result of identity theft/fraud within at least 4 days of you receiving this complaint. I have made numerous requests for actions to be taken and some have yet to be taken. The fraudulent, inaccurate, and false information of the following are on my report. Personal credit cards, personal loans, personal auto loan, and my name is incorrect on XXXX report. My first name is incorrect on a report and is listed as XXXX XXXX XXXX and XXXX XXXX but my correct name is XXXX XXXX. Also my date of birth on XXXX of your reports is listed as XXXX when in fact its XXXX. The following items are fraudulent. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The numerous fraudulent accounts have resulted in several closed accounts, chargeoffs, and collections. These are appearing on my consumer FICO credit report. I have never opened these accounts nor do I recognize the aforementioned accounts, collections, charge offs, or late payments as reported. The aforementioned accounts, collections, charge offs, and late payments appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, charge offs, and late payments are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) and complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, and collections are the result of identity theft and fraud. Once again Im reaching out to you to abide by the law and do the lawful thing and remove said items. Ive made contact numerous times and these items have yet to be rectified. If said items are not removed I will have no choice but to take further action against you.
Product: Credit reporting or other personal consumer reports

My credit report and score from all three bureaus are incorrect. With XXXX leading from the three bureaus with a incorrect report and score. My score from XXXX is currently at a XXXX using the XXXX score XXXX. 
XXXX reports my XXXX card balance at {$190.00}, this is incorrect information. I had XXXX send two different off cycle reports ( XXXX and XXXX of XXXX ) to XXXX stating the XXXX balance and no changes have been made. My monthly cycle statement has not been reported either and that automatically should report by the XXXX of every month. 
XXXX uses the scale model XXXX XXXX for scoring reports. Credit utilization makes up 20 % of the model scale equal to XXXX points from the most of XXXX points The incorrect balance of {$190.00} dollars from my XXXX card uses XXXX  % of my utilization taking away XXXX points from XXXX points leaving me with a XXXX  XXXX score of XXXX scoring points. 
This information needs to be updated and corrected, thank you.
Product: Money transfer, virtual currency, or money service

On Monday XX/XX/2021, I received an e-mail from Coinbase stating my account was closed. They stated that I can transfer all of my balances to external wallet. I logged in to transfer my balances but noticed that my XXXX balance of nearly XXXX coins XXXX or around {$130000.00} at the time of this message ) was not shown. I attached screenshots of the same. 

I have contacted the Coinbase Support on same day via Case # XXXX and got unhelpful responses ( see attached e-mail exchange ). I have reached to Coinbase via XXXX and XXXX as well, without any replies. I've made USD to NU trades on XX/XX/2021 and XX/XX/2021 for a total of about XXXX coins
Product: Checking or savings account

On XXXX XX/XX/2020 I opened a savings account with Capital One 360 Online Bank. At that time I requested that my savings account at my local brick and mortar bank  be linked to the Capital One 360 so that a transfer of {$50000.00} could be made from my local bank. The instructions for linking and verifying my local bank savings account stated that two small would deposits would be made in the next few days to my local bank savings account and that I should report the amounts online to Capital One 360 Online Bank to verify the transfer process. 

From XXXX XX/XX/2020 to XXXX XX/XX/2020 I spoke to many ( 6-7 ) individuals representing Capital One 360 Online Bank about their inability to send those two verifying deposits to my bank. The reply many times was they were being sent. Later, on XXXX XX/XX/2020, I found out from my local bank there were no records of verifying deposits attempted to be made until XXXX XX/XX/2020. With no other choice, on XXXX XX/XX/2020, I was able to initiate a transfer of {$50000.00} to Capital One 360 Bank via other means of transfer which were not available to me until XXXX XX/XX/2020. 

When I open the savings account at Capital One 360, I applied for a XXXX for depositing and maintaining a balance of {$50000.00} in my Capital One 360 Savings account. However, Capital One is denying me that bonus based on a funding requirement maximum of ten business days that was not met. The funding requirement was not met because Capital One did attempt to make verifying deposits until XXXX XX/XX/2020. Their attempt at marking verifying deposits of {$.00} and {$.00} were rejected by my local bank because of a transaction code error on Capital One 's part. 

I believe that the above interaction between myself and Capital One 360 Online Bank may be considered a 'bait and switch ' fraud. 

Please note : As of today, XXXX XX/XX/2020, I have not been able to access my {$50000.00} in the Capital One 360 Bank to return them to my custody.
Product: Mortgage

I received a letter from my current mortgage company that I had been sold to Loan Care. 
This was effective XX/XX/XXXX. I contacted loan care on XX/XX/XXXX for an account number as I have not received anything from them in the US Mail. I was told theses things take time they had received a LARGE batch of these on XX/XX/XXXX and call back in a week or so. 
Today I called there is a 3 minute message that tells how to ask for forbearance what that means blah blah blah. Finally at the end after offering me the opportunity to apply for forbearance repeatedly it transferred me to the main menu. It asked for the last 4 of my social security number cause it recognized me. I entered that and then more automated prompts. None of which lead to customer support. One was for " insurance claims '' I press zero it says not an option. I press zero again it hangs up on me. I call back going thru the forbearance 3.5 minute speech AGAIN!. This time I press 4 for insurance. Then listen to several other prompts to finally get to a HUMAN BEING. 
After identifying myself to her I finally get my account number and am able to set up online access. I do so then I go to set up reoccurring payments and a message pops up that says " Auto draft enrollment will become available once past due payment amounts have been paid '' For REAL! See attached!!! 
Now legally I am NOT passed due I am not subject to a late fee and it is XX/XX/XXXX. If LoanCare were already my servicer then on Thursday XX/XX/XXXX I would be late and would have a late fee. However Federal Law is crystal clear on service transferring and no late fees may collected and not late reporting may be done during the process. And to TOP IT ALL OFF loan care did not provide a current mortgage statement for XX/XX/XXXX. They did not have their JOB DONE AND MY LOAN ON THE BOOKS WHEN THEY WERE REQUIRED TO DO SO. 
In closing theXX/XX/XXXX0 payment was made this morning as soon as I had access to the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has my credit report at a low score. When I paid the card off months ago and start back using it my score drops every time. 
When I pay the balance off my score barely changes. I don't no what's going on with scores lately pay off goes down use it goes down. 
Makes no sense to credit bureaus score there running and doing. 
Pay car off score does not change. 
Seems to me there is nothing going on but a scam to consumers by banks and the 3 big credit bureaus.
Product: Checking or savings account

Wells Fargo unfairly charged me overdraft fees and refused to refund the money due to their error.
Product: Credit reporting or other personal consumer reports

For the past year I have sent a letter to experian and to XXXX  regarding a request to investigate things that i deemed to be inaccurate or incomplete. Experian has been responding back with a letter with the most recent one being sent on XX/XX/year> and XXXX mailed a letter to me with the date of XX/XX/year> saying that it was not me and that it was from a third party. I mailed this from my own house and I do not know why they don't think it's me when I'm trying to fix my own credit. I'm trying to get these inaccuracies removed so that I can buy a home.
Product: Vehicle loan or lease

I visited the lender 's website to determine the total payoff amount for my XXXX Volvo XXXX. In addition, called the lender, by telephone and it was confirmed. I also specifically asked about the GAP insurance refund as I am now cancelling due to the car being paid off. They instructed me to contact the dealership for cancellation, which I did. 

The Dealership provided me the form/instruction for cancellation ; I completed and returned to them. I was told I would receive the refund in 6-8 weeks. Upon waiting for 6 - 8 weeks and not receiving any refund, I contacted the dealership to follow-up. 
I was then told that they had sent my refund to the lender, and not to me because the lender requested it. When I called the lender ( Volvo Car Financial ), they told me that they received the requested refund but will not send/forward to me because the refund should've been included in my payoff amount but wasn't. 
So I had two questions which they haven't answered : 1. How did they know how much my refund would be, to pay off the loan if and/when they didn't know I would be paying my car off? 

2. If an amount ( {$900.00} ) is charged/included in my loan for this GAP insurance for X amount of years, I pay the entire loan off early, should I receive the unused portion of the insurance cost, or shouldn't I have received that credit from my payoff balance? 

Neither has been done and they're refusing to give me the {$750.00} due. 

They're stating that the State of Maryland is a " No Refund '' State so I'm not entitled to a refund for services/insurance I didn't use. 

In addition, Volvo Financial Services has never would include the Principal Balance of the loan on my statement ; only the Payoff, which includes interest. I'd requested this information primarily because I always paid extra principle and need to track my balance each month. They said to know that amount each month, I have to call them. 

In a nutshell, I paid, in full, a loan that included {$900.00} for GAP insurance. Now the lender is withholding the unused portion of {$750.00}. So they're keeping money for service I did NOT receive. I need it reimbursed/sent to me.
Product: Debt collection

Convergent outsourcing XXXX XXXX XXXX XXXX XXXX, Wa XXXX Collection amount {$620.00} XX/XX/2021 This account was never opened by me and I have never lived in the state of Washington
Product: Credit reporting or other personal consumer reports

The account was XXXX in 2022, as I received a XXXX from the Internal Revenue Service XXXX I have contacted XXXX several times about removing the account from my credit report as the debt no longer belongs to me.
Product: Credit card or prepaid card

A credit card in my name with NFCU, and my husband as an authorized user is the card in question. A settlement amount was agreed upon and I paid this amount in full. I received an email from NFCU confirming payment in full and conversations with reps at NFCU confirm paid in full as well. The problem is the GIANT RED BOX placed at the top of my account page " for information purposes, not to collect a debt ''. 

The GIANT RED BOX takes up 1/3 of the screen on mobile and can NOT be closed on mobile. I've sent a secure message asking this question, called the credit card department, the resolution department and technical department. I've been transferred multiple times and two people said they could re-enter the debt was paid in full and settled to see if the alert would be removed. It removed the alert for that day but it returns in the morning. This would require a daily call to NFCU reps to have the alert removed. XXXX in the " technical '' department told me this alert would remain on my account forever since the card was part of a bankruptcy. He said this was " in compliance ''. I've never filed bankruptcy and I settled this debt, paying in full. 

I refuse to believe each day when I open my bank account I must stare a red exclamation and box covering 1/3 of my mobile screen. To date not a single person has been able to describe the compliance code they are following or how to remedy this issue. 

This red box removed, permanently, is my request. 

Thanks, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute DepartmentEquifax XXXX XXXX XXXX, GA XXXX Subject : Dispute of Unauthorized Collection Account on My Credit Report Dear Equifax Dispute Department : I am writing to formally dispute a collection account that appears on my credit report. According to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide consumers with a validation notice within five days of their initial communication. This notice must inform the consumer of their rights to dispute the debt and request verification. If this validation process has not been properly followed, the collection account should not appear on my credit report.

I have not received proper validation of the debt in question, and I am requesting that this account be removed from my credit report unless proper validation is provided. The presence of an unverified collection account is damaging to my creditworthiness and violates my rights under federal law.

Please investigate this matter and remove the collection account from my credit report if it can not be properly validated. I request a written confirmation once the investigation has been completed and the necessary corrections have been made.

As outlined in 15 U.S.C. 1692g, consumers have the right to : Receive a validation notice informing them of the amount of the debt and the name of the original creditor. 

Dispute the validity of the debt within 30 days of receiving the notice. 

Request verification of the debt before any further collection efforts are made. 

If the collection account on my credit report does not meet these criteria, it must be removed immediately. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX5 U.S.C. 1692g Validation of Debts This section of the Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to provide consumers with a validation notice within five days of their initial communication. This notice must include : The amount of the debt. 

The name of the creditor to whom the debt is owed. 

A statement informing the consumer of their right to dispute the debt within 30 days. 

A statement that if the consumer disputes the debt, the debt collector will obtain verification and provide it to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit monitoring alerted me that there was a hard pull on my credit report via Transunion. I set up an account with Transunion hoping to dispute it but unfortunately you can not dispute an inquiry online. It suggest that you call that business, well guess what, that phone number is not valid. The hard inquiry was done on XX/XX/22 by XXXX XXXX via XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NJ XXXX phone XXXX individual inquiry type and the permissible purpose is credit transaction. I called the phone number multiple times and it just hangs up on you. I alerted Transunion about this and they haven't done anything about it and it's still on my credit report. This is fraud written all over it. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX. I have attached a copy of my cease and desist notice to DIVERSIFIED ADJUSTMENT regarding the collection of an alleged debt and reporting to my consumer credit profile. I demand you respond to my letter with all of the requested information or delete this account from my consumer report immediately.
Product: Checking or savings account

For many years, I have had a taxable investment account with Axos Invest, LLC ( dba Axos Financial ; formerly XXXX  ). Due to changes in their offerings and policies, earlier this year I decided to transfer my taxable account to XXXX. The transfer of ETF shares occurred successfully, but Axos, LLC never transmitted the cost basis data to XXXX. This issue has been open for months, with Axos claiming they transmitted the data via XXXX and XXXX saying they haven't received it to apply to my account. Other consumers ( see XXXX for examples ) have reported similar issues, and not just with data ( and/or funds ) failing to be transmitted to new investment brokerages.
Product: Debt collection

Remove the fraudulent items from my credit report immediately ; TransUnion 's denial is unacceptable, and failure to comply will result in legal action. I demand prompt action in accordance with the law to ensure my credit report is accurate and free from fraudulent items, with written confirmation of the removal. XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$880.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$380.00}, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$920.00}, and XXXX XXXX XXXX XXXX, XXXX.
Product: Checking or savings account

Banked with WEBSTER BANK for several years. ALL transactions were electronic as there is no branch near me. 

Had a CD that reached maturity on XX/XX/XXXX and I called to instruct them on roll over. 

I was told I had a XXXX grace period to go to a branch IN PERSON in order to redeem my CD. The closest branch to me this week is XXXX miles away. I don't understand how they can take my money electronically but refuse to return it the same way! 

I instructed them to particiallly roll it into their current CD promotion. Was told I had to come in person. Instructed them to roll the full amount into current promotional rate. Refused again, unless I came in person. Instructed them to skip it and just roll it into the money market account. Again refused my instructions unless I came in person. 

The bank branch ( XXXX XXXX ) referred me to the call center. The call center referred me to the branch. Both offices refused my request to talk with a supervisor or manager Only option offered was that I come in person within the 10-day period. 

I am trying to understand how this Bank can take my money electronically but refuse to return it the same way. Its outrageous! I want my money and I want Webster to be sanctioned for what its doing. 

Thank you for your help with this issue.
Product: Student loan

Hello, First complaint : My student loans are now being serviced by Nelnet. The page for making a payment has been down for at least the past couple days. I tried all their troubleshooting steps and none worked. There was no way to make the necessary payment on the day it was due. I also tried making the payment over the phone but that method does not work ; the line cuts out and you are unable to make the payment. 

Second complaint : I attempted to make the payment via the automatic payment method instead. My old bank account information was what they had on file, so I updated it to my new bank account. In doing so, the interest rate on my loan increased by .25 %, even though I still had bank account information in for an automatic payment. Apparently, by " editing '' the bank account information, I lose my .25 % reduction for the next 30 days. I am paying Nelnet an extra .25 % in interest for the next month due to my decision to update my bank account information. 

Third complaint : I had to sit on the phone for 2 hours and 53 minutes in order to get through to an agent to make my payment.

Fourth complaint : They were unable to tell me why I am unable to access this page or make the payment over the phone. 

Fifth complaint : As of writing this, I have been on hold for 25 minutes to speak with a supervisor about the .25 % rate increase occurring due to me editing my bank account information.

The collective actions by Nelnet as I describe above show a complete lack of responsibility to prepare for the resumption of student loan payments. A broken website, an understaffed call center, and a deceptive way to scrape an extra .25 % out of the payer 's pockets are all things that are completely unacceptable for a company that controls the financial wellbeing of millions of Americans.