23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I had my loans transferred to Nelnet from Great Lakes ( not by choice ) and the process has been incredibly frustrating. In XXXX I applied to be switched to the new SAVE plan. It took Nelnet months to deal with that request. On XX/XX/2023 I received a letter from Nelnet saying that because I had applied for the SAVE plan I had been taken off of my IDR plan and entered into a Standard Repayment plan, because I needed to make a one time payment in order to be considered to be switched to the SAVE plan. It looks like Nelnet then switched my auto debit amount to be {$5.00}. The letter Nelnet sent me was incredibly confusing and contradictory. It said I had requested to make a Reduced Payment Forbearance payment rather than a Standard Repayment one time payment, I didn't request anything in fact, but now my account shows Standard Repayment. The letter also said " The one-time Reduced Payment Forbearance payment amount you chose is BLANK. The payment is due on BLANK. '' leaving both the amount and due date blank. I have tried calling and the call center seems entirely shut off, I just get a robot saying " This party is not taking calls right now. '' I sent in an online support request on XX/XX/XXXX asking for clarification and on XX/XX/XXXX Nelnet responded to my email saying " You do need to complete exit counseling from Income Base Plan before we can start the processing for Save Plan. Unfortunately, you would need to speak to a specialist to follow through with the exit counseling, therefore you would need to call within the next 2 business days. They can be reached by calling XXXX. Your outstanding interest will capitalize and add to your principal balance. This may result in higher monthly payments once your account is in a repayment status. '' It is absolutely not true that I need to re-do exit counseling, this is incorrect information Nelnet provided me as a consumer. I called the Call Center immediately, waited on hold for over 3 hours and when I finally spoke to a representative she said I did not need to do any exit counseling, that my request to switch to SAVE was still processing ( months after it was made ), and that they would agree to put me in administrative forbearance ( as they should have originally without me requesting ). However, my account is still showing as " Standard Repayment, '' not SAVE and not an administrative forbearance. I have lost all faith that Nelnet is telling me the truth or managing my account properly.
Product: Debt collection

XXXX is the reference for this complaint for the complaint they sent letters stating the accounts would be removed from credit file. I then went and proceeded to collect the total of XXXX usd in the form of a check. I stated in my affidavit the laws that were violated and what law stated for every violation there is a set fee for it. They sent a letter with their logo on it, stated that I owe a debt and many more violations under the U.S. code 15 subchapter 1692.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  )
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Previous Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Previous Address ( es ) : XXXX BOX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX Known As : XXXX XXXX XXXXXXXX XXXX XXXX  Also Known As : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

Ive had a XXXX  card with Comenity Bank for years. I pay ot religiously every XXXX of the month. That's when I get paid. I'm.XXXX  raising an XXXX hear old abandoned child. Had rhe card to buy her clothes. They closed. I do to ie go pay. I sent them a check for XXXX on the XXXX as I always do. I noticed it hadn't been cashed when I called the automated. When I called ... they tried to tell me I owe late fees. Then they told me my account was closed in XXXX. Ive gotten NO response when I asked why. Its as if NOBODY KNOWS. I STRUGGLE BUT I SENT PAYMENT. Trying to pay them off so my credit will be better for this child. I'm so frustrated. Ive spoken to these people since last week. Just to be passed on to other people several times. I cant make another payment. Especially with a late fee. What did they do with my check! My income is XXXX dollars a month. I do the right thing and STILL they're ruining my credit. Pleas please help!
Product: Mortgage

The BOA on-line site has the correct principal balance of {$470000.00} for my account ( see attachment 11. BOA On-line STMT ), but the BOA mail/paper statement is has an incorrect principal balance amount that overstates my account about {$100000.00} ( see attachment 12. BOA Paper STMT ). This account was subject to litigation with BOA from XX/XX/XXXXtoXX/XX/XXXX. During litigation the account was transferred to XXXX XXXX. When a final court order was issued in XX/XX/XXXX BOA stated they could not address the mortgage relief terms of the court order and I would have to address this with XXXX  I followed-up with XXXX On XX/XX/XXXXduring a phone call, XXXX informed me they would " follow the court order to a T ''. They subsequently adjusted my account ( see attachment 1. CFPB ComplaintXX/XX/XXXX, pages 9 and 10 ) and responded to my CFPB complaint with a formal letter. I requested XXXX send me a pay-off statement. On XX/XX/XXXXI responded back to the CFPB that the adjustments did n't follow the court order to a T and I requested a pay-off statement but had not yet received one. The court order would put the principal balance at or below {$430000.00} ( see attachment 13. Court Order, page 19 ) and XXXX was showing a balance of {$490000.00} ( see 3. XXXXXX/XX/XXXX ). However, the following day I received a mailed letter from XXXX dated XX/XX/XXXXshowing an account balance of {$490000.00}. While this balance still did not follow the court order to a T and the account still had an interest element which was forgiven in the court order, I was tired of dealing with this account and decided not to pursue the matter further and therefore accept the {$490000.00} loan balance. Subsequent confirmation of this new balance includedXX/XX/XXXX on-line confirmation of a {$490000.00} balance ( see attachment 4. XXXX XX/XX/XXXX Screenshot ), my credit report updating on XX/XX/XXXX with XXXX to {$490000.00}, updating with XXXX on XX/XX/XXXX, and finally updating with XXXX on XX/XX/XXXX( see attachment 5. Credit Reports, page 4 ). Also, in XX/XX/XXXX XXXX began sending paper mailed statements reflecting the new balance ( see attachment 7. XXXX  Paper STMS ) and I received a XX/XX/XXXX Form XXXX showing aXX/XX/XXXX principal balance of {$480000.00} ( see attachment 6. XXXXXX/XX/XXXX Tax ). I also included XXXX on-line loan details ( see attachment 8. XXXX Loan Detail ) and ( 9. XXXX Payment History ) and ( 10. XXXX Payment History 2 ). All of these documents put the principal balance at or below {$490000.00}. In XX/XX/XXXX my account was again transferred back to BOA. The on-line BOA account reflects the correct account balance of {$470000.00} ( see attachment 11. BOA On-line STMT ), but the mailed paper statements are incorrect ( see attachment 12. BOA Paper STMT ). I have contacted BOA and was assured this would be corrected but this has not yet occurred. I am listing this home for sale and need confirmation that the paper statement has been corrected to match the on-line account balance of {$470000.00}. In addition, a formal pay-off statement reflecting the accurate {$470000.00} balance is requested.
Product: Credit card

I applied in branch for the Citi XXXX Card. I was informed by the banker that I would be eligible for the " in branch offer '' of XXXX Thank You points and {$350.00} annual fee, as opposed to the online offer of XXXX Thank You points and {$450.00} annual fee. For this reason, I decided to apply. Upon satisfying the sign up requirements, I noticed that my account was only credited XXXX Thank You points and my annual fee ended up being {$450.00} ( similar to the online offer ). Turns out that after a quick google search, that the in-branch offer was only available if you signed up for a checking account as well, however I was not informed this in branch. If I had known that this was the case, I would n't have applied for the card to begin with. I spoke to Citi a few months ago about my complaint, but they were unable to offer a compromise. I am still very upset about this and frankly I feel cheated - I only just found about CFPB and figured that I would document my story here so that others do n't make the same mistake that I did.
Product: Mortgage

I discovered that I needed new roof in XXXX of XXXX. Decided to employ XXXX XXXX. Home Insurance agreed and released partial payment to begin on XXXX XXXX. PHH Mortgage is the co. that has a reverse mortgage on our home. After many calls they finally released the funds for the roofers to begin work. The roof was completed XXXX XXXX, XXXX. I have been trying to get the mortgage to release final payment since they received the final payment from our home ins. They still haven't sent the money and every time I call I am given a different excuse. I have since decided to sell our house and was scheduled to close on XXXX. XXXX. I informed the mortgage co. of this and the request for payoff was made on XXXX, XXXX. The second request was made on XXXX. still nothing. I have attempted again today and got a different answer than Fri.The mortgage co. just refuses to pay for the roof or supply us with the payoff so we can close. The people purchasing our house refuses to wait past Mon. the XXXX of XXXX.
Product: Consumer Loan

Big Picture Installment Loans ; Applied for a {$500.00} loan and was approved for {$500.00}. Initially, I was led to believe the cost of the loan would be {$250.00}, which at the time I thought was steep but I was willing to pay that much in order to borrow the {$500.00}. I did n't think about it at the time but I had given Big Picture permission to debit my checking account {$250.00} for repayment of the loan. A month went by and the {$250.00} was debited without any difficulty and I thought I had just two more payments of {$250.00} each to make in order to pay back the loan. A few months went by and {$250.00} was still being deducted from my checking account. I checked on the status of my loan and discovered I still owed {$750.00}. I thought perhaps an error was made so I looked at the details of the installment re-payment schedule and found out Big Picture Loans was charging me {$250.00} every month and the earliest I could pay off the loan was after 5 installment payments for a total of {$1200.00} I could n't believe these people could charge that much for a {$500.00} loan, but apparently they could. My first few payments and a payoff of {$750.00} was what it took to get the loan paid off which now I believe will stop the debiting of my checking account {$250.00} every month.
Product: Debt collection

This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1700.00} with XXXX, XXXX, & XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Debt collection

Collection company has reported an identical collection notice 3 times in 5 days. 
Please review the following : XXXX Credit Report and XXXX XXXX XXXX XXXX monitors your credit file and alerts you if new activity like credit inquiries, delinquencies, bankruptcies, and new loans are reported by the credit bureaus to ID Experts. 
Alerts Type Date Collections - ENHANCED RECOVERY CO L XXXX XXXX, XXXX ENHANCED RECOVERY CO L has flagged your account as Collections. 
Alert Type : Potentially Negative Found On : XXXX XXXX, XXXX Potentially Negative Alerts notify you when XXXX of your accounts has reported information that may negatively impact your credit score. 
Additional Info Please review the details of the alert for information that may indicate identity theft. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. 
Alert Date XXXX XXXX, XXXX Source XXXX Company ENHANCED RECOVERY CO L Payment Status Collections Status Date XXXX XXXX, XXXX Balance {$130.00} Balance Date XXXX XXXX, XXXX Address XXXX XXXX XXXX, FL XXXX If you feel you are a victim of identity theft, please contact a XXXX XXXX at XXXX. 
UNPAID ( UNPAID ) - ENHANCED RECOVERY CORP XXXX XXXX, XXXX ENHANCED RECOVERY CORP has flagged your account as UNPAID ( UNPAID ). 
Alert Type : Potentially Negative Found On : XXXX XXXX, XXXX Potentially Negative Alerts notify you when XXXX of your accounts has reported information that may negatively impact your credit score. 
Additional Info Please review the details of the alert for information that may indicate identity theft. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. 
Alert Date XXXX XXXX, XXXX Source XXXX Company ENHANCED RECOVERY CORP Payment Status UNPAID ( UNPAID ) Status Date XXXX XXXX, XXXX Balance {$130.00} Balance Date XXXX XXXX, XXXX Address XXXX XXXX XXXX, FL XXXX If you feel you are a victim of identity theft, please contact a XXXX XXXX at XXXX. 
Collections - ENHANCED RECOVERY CO XXXX XXXX XXXX, XXXX ENHANCED RECOVERY CO XXXX has flagged your account as Collections. 
Alert Type : Potentially Negative Found On : XXXX XXXX, XXXX Potentially Negative Alerts notify you when XXXX of your accounts has reported information that may negatively impact your credit score. 
Additional Info Please review the details of the alert for information that may indicate identity theft. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. 
Alert Date XXXX XXXX, XXXX Source XXXX Company ENHANCED RECOVERY CO XXXX Payment Status Collections Status Date XXXX XXXX, XXXX Balance {$130.00} Balance Date XXXX XXXX, XXXX Address XXXX XXXX XXXX, FL XXXX If you feel you are a victim of identity theft, please contact a XXXX XXXX at XXXX. 
I want this company to remove these reports, I do not know what the {$130.00} charge is for and this is ruining my credit.
Product: Debt collection

i have sent in the requested info. to national Credit Services. Via FAX, EMAIL. My husband is on military   leave and currently XXXX XXXX. I can not access his info neither can he!! i have told them this OVER and OVER!! i have sent in my info all my pay stubs and fax the consent. They will verified they have received it. BUT keep calling to ask for it,, after they put me on hold then they come back and say- oh now i see where you have sent this in!! 

i have also received calls past XXXX XXXX. i have also received numerous calls at work. and i have told them please do not call my work. and they refuse.
Product: Credit reporting or other personal consumer reports

Defamation to my character and my livelihood, I am trying to purchase my first house.!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has not corrected the incorrect mortgage payments with Wells Fargo. I was never late or missed any payments From XX/XX/XXXX to XX/XX/XXXX. Wells Fargo Sold the loan in XX/XX/XXXX while still collecting my Monthly loan payments. Then filed foreclosure after the mortgage loan was sold by Wells Fargo. Wells Fargo never informed me that the loan was sold in XX/XX/XXXX. Then Wells Fargo filed foreclosure while still collecting my on-time Payments. Then Wells Fargo Dismissed the foreclosure after it was revealed that Wells Fargo Committed fraud regarding servicing and Payment History. Which I supplied all the relevant documents regarding my claims as facts to XXXX. Wells Fargo Filled wrongful foreclosures on me in XXXX and XXXX and dismissed them both. I want XXXX  to remove account regarding Wells Fargo in my Credit Report which is fraud.
Product: Debt collection

XX/XX/20 had to call XXXX for a psvt episode, ameridebt continues to call me daily, I thought that medical debts do not show up on your credit report, {$1500.00}
Product: Debt collection

THIS IS A DEMAND NOTICE On XX/XX/year>, XXXX XXXX XXXX XXXX XXXX, who was collecting on behalf of Jefferson Capital Systems , LLC, sent me a picture and text message. The text nor picture indicated who you were attempting to collect from, only that you were collecting for a XXXX XXXX account. The text included a link. I previewed the link and could see it was for my brother XXXX. This is a willful violation of both the TCPA and FDCPA. You have never received prior TCPA consent to contact my phone number ( ending in XXXX ). Despite knowing you had no consent, you sent me both a picture message and text message. The communication not only purposefully identifies that a debt is owed, but also masks who it's for and makes you click on a link to find out. You knew the phone number was not my brother 's, as it has never been associated with him, and willfully told a third party about the debt.
Product: Payday loan, title loan, or personal loan

constant collections calls all day Numerous calls in one Day, its Annoying and Violates the FDCPA on Collection Call Harassment on A Predatory loan imposes unfair or abusive loan terms on a borrower. It is also any practice that convinces a borrower to accept unfair terms through deceptive, coercive, exploitative or unscrupulous actions for a loan that a borrower does n't need, does n't want or ca n't afford. LOAN # XXXX
Product: Mortgage

My property taxes were adjusted by the county tax assessor for the year XX/XX/XXXX to XX/XX/XXXX. They have also been reviewed and lowered for the next year XX/XX/XXXX. For the XX/XX/XXXX year the original amount due in taxes was XXXX. After review and appeal to the county the new amount due for XX/XX/XXXX became XXXX total, of that amount my first tax payment was collected in my mortgage payment along with my property insurance. My mortgage company Wells Fargo has paid the first bi-annual payment based on that first amount of XXXX. So they have already paid XXXX and according to the county assessor my remaining tax balance is only XXXX for this year. Now Wells Fargo has received all the new tax info from the county and done an updated escrow analysis but the are basing my next by annual projected payment on half of the total tax amount for XX/XX/XXXX which was XXXX and not what the remaining balance really is. So they are estimating my projected next payment at XXXX instead of the actual XXXX remaining balance. That is an over estimation of XXXX. The remaining balance in my escrow account right now is XXXX. That's XXXX more than I need to finish paying my taxes this year plus they have another 6 months left this year to collect escrow towards next years taxes on top of that XXXX. And they have projected me at XXXX. plus shortfall on my escrow based on a faulty over XXXX estimation of taxes remaining this year? Is this even legal? Wells Fargo has broken the law and been in trouble so many times I can't be sure nor do I trust them. Also if they are doing this to me what if they are doing it to thousands of other customers the extra money they would be raking in would be staggering?
Product: Mortgage

I have been working with Carrington mortgage to finish my refi to a different bank. after having a very hard time to get them to work with my new provider i had to make my final payment to the company. the approved payment on XX/XX/XXXX that i was able to document and send to the new mortgage company. on XX/XX/XXXX i was advised by the title company that the payment had not been made. after talking to Carrington it was revealed that they had left an old account on file that had been removed 18 + months ago and that was the account that was attempted to charge. this led to NFS fees and having to make a last minute call to resolve this issue. after explaining my case to the CSR i had to ask to have a supervisor to reverse the increased fee to do the payment over the phone. Since they felt that i could still use the online portal ( which led to this issue ) they would not waive the fee that is implemented. i was not allowed to talk to the supervisor but provided an ID * XXXX
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer reports and noticed that there is a record of one late payment on an account that I have never been late on. It is the responsibility of consumer reporting agencies to report consumer information accurately. Therefore, I request you to investigate this matter and provide me with proof that these payments were late. I have attached a screenshot of the account in question, dated [ XXXX  ]. If it can not be proven that the payments were late, I demand that they be updated to " paid as agreed on time '' as they should be, due to the fact that I have never made a late payment on this account. Thank you for your assistance. Please see the screenshot attached.
Product: Debt collection

One Main Financial has been calling our office XXXX times a day for several weeks trying to contact one of our employees. This particular employee is not located at our office. They have been rude, threatening and said they were sending the police and their lawyers after us. I have told them politely on numerous occasions I will not give them any personal information regarding our employees. This is an employee personal matter and has nothing to do with our company. They have pushed my patience and I have been insistent they stop the disruptive, harassing calls yet hey do not.
Product: Credit reporting or other personal consumer reports

I disputed payments history on my Experian credit report for my payments was not being updated, that was for an auto loan installment account. Experian removed the account all together hence my credit score as a result. I contacted them to ask about the reseaon why it was removed and they answered the acount is no longer available and they can't give me information. I contacted my financing agency which reports my payments and they said they have been reporting my payments monthly. Financing agency reached out to Experian and told me that the account will be added back and updated the next time a payment is reported. It has been four months that I'm waiting for my score to be back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in February I co signed for another person to get a vehicle. The car dealership wan only supposed to go with XXXX XXXX however my credit was hit with nine different inquiries and XXXX XXXX was on my credit report 2 times. The following inquiries were on my report as follows : XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXXl XX/XX/2022 I did not give any consent to the other inquiries and believe the dealership did this to find the best deal however I was not notified at all when my credit was run XXXX different times.