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

My wife and I received a check from another bank payable to both of us. We do not have a joint account but both bank with Commerce Bank, so we both endorsed the check and I deposited it in my account. Commerce Bank refused to deposit the check to my account claiming it was a " third party check. '' First off, it was NOT a " third party check '', it was payable to the account holder, and his wife, who both signed the check. Second, it was from another Bank, not an account holder, the Bank itself, so it's not as if there's a risk the funds would not be good. Third, my account has more funds in it than the amount of this check, so there is no risk to the bank of a loss. 
On top of Commerce Bank refusing my deposit and notifying me by letter ( not by phone, email, or any other instant method ), and telling me to call them to find out more information, when I called, I was advised that they MAILED THE ENDORSED CHECK TO MY HOME VIA REGULAR MAIL. So effectively, there is a negotiable instrument floating around in the USPS - anyone who gets their hands on it can cash it - apparently at any bank other than Commerce Bank. They might as well have mailed me some cash, it's just as safe.
Product: Checking or savings account

Hi Our company, XXXX XXXX XXXX, had a bank account with WISE ( formerly Transferwise ). They close our account without any prior notice & reason. Now they are not giving us option to appeal for reopening the account & not telling the reason why they closed our account. 
We request you to kindly look into the matter & help us reactivate our account. 
we are facing heavy business loss due to their this unprofessional behavior. 
looking forward for positive response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681b - Permissible purposes of consumer reports. Inquiries are not attached to an open account. On XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ran my credit without permission. 
On XX/XX/XXXX XXXX XXXX XXXX ran my credit without permission. On XX/XX/XXXX XXXX XXXX ran my credit without permission. I contacted XXXX, TRANSUNION, XXXX to get written validation of the inquiries. No documentation was provided. This has caused emotional distress and pain & suffering.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I found that there were multiple late payments on my credit report that the creditor has been unable to verify them or provide documents proving I made late payments. Any reporting late payments or derogatory status is a direct violation of consumer law 15 USC 1681a ( d ) ( 1 ) this information is providing negative information it must be removed without validating these facts. Credit accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX I never gave written consent for these late payments to be reported under 15 US Code 1681b also for the account XXXX XXXX  XXXX XXXX have given clear instructions for it to be removed off my credit report completely.
Product: Credit card

I have a care credit account. I'm paying {$650.00} per month on a balance that says it's {$11000.00}. I have been paying this high amount for quite sometime. There are several promotions that have a deferred interest rate if not paid by the due day. As I went through each one, it's showing that the balance actually owed is {$6300.00} give or take a few XXXX dollars. These amounts include what's to be added if I don't pay the promotions by the due date. Either way I add it, nothing adds up to the {$11.00}, XXXX. when speaking with someone, it's always someone foreign and they don't seem to fully understand what I'm saying. Interest can't be charges ahead of time If I pay a debt off. I'm willing to fulfill my obligations but this is definitely not adding up.
Product: Credit reporting

I do not have a credit score. I purchased car in XXXX of 2015 and my credit report does n't reflect that either. I just want to know what is going on and what is the reason i do not have a credit score.
Product: Debt collection

Recently found out that there was unauthorized charges on my credit report that did not belong to me or belongs to someone with a similar name. I Approached XXXX  and XXXX  and told them that these did not belong to me. Through a bit of effort it was removed from these XXXX credit bureaus succesfully. Experian on the other hand has been extremely difficult to get ahold of online as well as on the telephone. Eventually after spending 20 + hours on the phone with Experian I filed disputes regarding collection from the agency " XXXX XXXX XXXX ''. No resolution has been made my experian for these fraudulent and unauthorized charges on my credit report. It has been extremely difficult to pursue this issue with experian as contact from them is minimal and they are not doing the correct research. 

Experian report # Report Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint for you to make an investigation of some accounts with inaccurate information and after checking your response I recognized that some accounts are still incorrect, with a confirmed status. Please help me correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX without my knowledge, without providing notice to me about the alleged debt, without verifying the debt and without my consent went ahead and posted the fraudulent account onto both my XXXX and XXXX credit report causing my credit score to plummet. I went ahead and disputed with both XXXX and XXXX the debt and XXXX completed its investigation in under XXXX hours and denied my dispute saying the debt is valid. They obviously did not do an investigation because the debt does not belong to me, and I also have an account with the original creditor in good standing. This company has violated my rights and caused financial setback. I have recently filled out all required identity theft info and will be sending it to them along with a demand letter in good faith to show the court i have exhausted all attempts to recover damages. So after they ignore or deny my demand, I will be pursuing both civil lawsuit and filing a claim against their bond. And since I have dwellings in both XXXX and XXXX I will be pursuing in both states so long as i meet jurisdiction. I just recently received payment from a demand letter from XXXX of the largest debt collectors and then filed claim against their bond and was awarded most of their bond value. I have had it with these companies that prey on people and do not follow the laws. They walked into a complete hornets ' nest on this one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting old addresses and demanding he will not remove. 
Address below is not inaccurate and I am demanding removal : XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have been closed and are inaccurate this is affecting my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX Todays Date : XX/XX/XXXX RE : Investigation Request to Delete Credit Inquires To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

UNAUTHORIZED CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : 1. { Creditor Name } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { Creditor Name } XXXX XXXX XXXX inquiry date } XX/XX/XXXX XXXX. { Creditor Name } XXXXXXXX XXXX XXXXXXXX { inquiry date } XX/XX/XXXX XXXX. { Creditor Name } XXXX { inquiry date } XX/XX/XXXX XXXX. { Creditor Name } XXXX XXXX { inquiry date } XX/XX/XXXX, XX/XX/XXXX XXXX. { XXXX XXXX } XXXX { inquiry date } XX/XX/XXXX XXXX. { Creditor Name } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. { Creditor Name } XXXX XXXXXXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { Creditor Name } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { Creditor Name } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { Creditor Name } XXXX XXXX XXXX  { inquiry date } XX/XX/XXXX, XX/XX/XXXX XXXX. { Creditor Name } XXXX XXXX { inquiry date } XX/XX/XXXX, XX/XX/XXXX I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results Truly, XXXX XXXX XXXX
Product: Student loan

I am responding to the below reply from XXXX XXXX because the complaint was closed before I had the opportunity. 

XXXX : The information you sent is NOT what I requested. I requested ALL loan documents, ALL of them, including the original promissory note. My loan was taken out in XXXX and the info you sent begins in XXXX. That is CLEARLY not everything. 

Secondly, I AM paying monthly and have been for quite some time. That amount is ALL I can afford. Would you prefer I completely ignore this loan and make no payments? That is a question I would like a response to. 

So, NelNet and XXXX are separate - I am filing SEPARATE complaints. Why are you receiving both of them??? 





Dear XXXX, Thank you for your inquiry regarding your federal student loan account with Nelnet Loan Servicing. The Consumer Financial Protection Bureau ( CFPB ) forwarded your inquiry to us for a response. We understand your still have the following concerns : 1. You received a response from the same person, but the complaint was for two different companies. 2. You requested the documentation by U.S. postal mail, however, they were sent on the CFPB portal. 3. You have been making payments through your bank. You are requesting clarification that payments were received. We previously serviced your Federal Family Education Loan Program Consolidation Loan. This  loan has defaulted and will soon be transferred to your guarantor, XXXX XXXX XXXX XXXX ( XXXX ). Issue 1Same person answering for two companies : When a complaint is submitted through the complaint portal on CFPBs website, they forward the complaint to the company that should answer the complaint. We received both complaints, and answered accordingly. Nelnet Loan Servicing is a separate business from XXXX. Issue 2Documents requested by U.S. Postal Mail : On XX/XX/XXXX, we mailed the documents you requested. Issue 3Payments received : We previously explained your loan was subject to default due to nonpayment. While we have received some payments, the payments were not sufficient to cover the required monthly amount due. Beginning XX/XX/XXXX, your required monthly payment was {$64.00} as reflected on your monthly billing statements and payment schedule. Since XXXX, youve paid less than what was due each month. Because the minimum payment was not satisfied on a continual basis for more than 270 days, you defaulted on your repayment obligation and your loan will soon be transferred to your guarantor, XXXX, for collections. We attached a copy of your payment schedule and payment history, and mailed copies to you as well. We hope you find this information helpful. If you have any other questions, please call us at XXXX, between XXXX XXXX to XXXX XXXX ( Eastern ) Monday-Friday.  You can also visit our website at Nelnet.com or email XXXX. Sincerely, XXXX XXXX Nelnet Loan Servicing Attachments ( 2 ) : Payment history Payment schedule ATTACHMENTS XXXX XXXX XXXX ( 28.1 KB ) XXXX XXXX XXXX XXXX ( 180.2 KB )
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payment Reporting on Account # XXXX Dear CFPB, I am filing a formal dispute regarding inaccurate information reported on my credit file concerning late payments for account # XXXX. Despite multiple attempts to resolve this issue ( letters sent on XX/XX/XXXX and XX/XX/XXXX ), no corrective action has been taken. 
The reported 30-day late payment for XX/XX/XXXX is inaccurate. I have verified with my records and provided supporting evidence showing payments were made on time, and yet this error persists. 
Details of the Account : Account Number : XXXX High Balance : {$0.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$420.00} Account Status : Open Payment Status : Current Payment Amount : {$35.00} Credit XXXX XXXX {$3500.00} FCRA Violations : Under 15 U.S. Code 1681i, credit bureaus are obligated to ensure the accuracy of information. This has not been upheld. Additionally, 15 U.S. Code 1666b requires creditors to send statements at least 21 days prior to the due date, which has been violated as evidenced by the late reporting. 
TILA Violations : The Truth in Lending Act mandates accurate and timely disclosures. The incorrect reporting of a late payment has harmed my creditworthiness and caused undue stress. 
Desired Resolution : Immediate removal of the inaccurate 30-day late payment notation for XX/XX/XXXX. 
Written confirmation of the correction within 15 business days. 
Please consider this letter as formal notice under the FCRA and provide the requested corrections promptly. If this issue remains unresolved, I am prepared to escalate the matter, including filing additional complaints with relevant agencies and pursuing legal action. 
Thank you for your immediate attention. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX NAME : XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, FL XXXX INQUIRY : XXXX XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN EMPLOYER : XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, MI XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NAME : XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX, MI XXXX XXXX XXXX  XXXX, MI XXXX INQUIRY : XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied with my bank- XXXX XXXX for XXXX for a HELOC loan, filled out all kinds of paperwork, submitted and waited for the answer. I received a call from the woman at my bank stating they couldn't approve me for a loan because my credit score was too low for the loan I wanted. I said what was my score she said XXXX, I said that's crazy! when I logged into Experian it stated I was a XXXX down 3 pts from a couple days ago. I said that has to be wrong, my credit is very good 1/2 missed payments in almost 20 years. She suggested I call Experian which I did and talked to a woman there. I explained to her the situation and why does my score when I log on say XXXX and my bank is telling me I'm a XXXX? She said that the score can change based on different types of loans or something like that. I said then why don't you post my " Real '' score ( according to you ) instead of making me think I'm good when I wouldn't have applied and taken another knock on my score for the inquiry. 
This score reporting is anything but honest, it's DECEPTIVE at best if these XXXX companies can do this with peoples lives. How can they get away with this, some actuary putting a formula in that people see thinking they have good credit when it's the opposite. Can't you do anything about this? It's total XXXX 
XXXX XXXX
Product: Debt collection

On XXXXXXXX XXXX XXXX XXXX XXXX, a debt collection agency, reported a debt allegedly owed to XXXX  to the credit bureaus. I did not authorize this company to contact me regarding this matter. Their actions violate my rights as a consumer under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act. I am formally requesting that they cease all communication with me immediately and remove any reporting related to this alleged debt from my consumer credit report. Also violates Florida XXXX XXXX This statute protects patients ' privacy by limiting who can access their medical records and information.
Product: Mortgage

Please see the email chain below in regard to my QWR request that was submitted to Nationstar Mortgage on XXXX/XXXX/XXXX. I received an acknowledgement letter dated XXXX/XXXX/XXXX and an extension letter dated XXXX/XXXX/XXXX. As of today I have not received a response to my request. Please consider this a QWR and see that I receive a timely response to my concerns and that my payment is updated to remove the escrow shortage. In addition, please confirm that a credit block will/was placed on my account during this time to prevent negative reporting as I have never had a delinquency reported for this or any other mortgage I have ever had. Although the information within the emails below are being forwarded, please respond to each concern and request with a written response. I would like to have a single point of contact to discuss the account and assist with rectifying this error. I am unable to make my mortgage payment online due to the incorrect/higher mortgage payment showing due. I would send a check in but I am sure that it would be applied to the escrow shortage that is incorrectly showing on the account and lead to additional problems. My contact information can be found in the email chain below. 

Thank you, XXXX XXXX XXXX XXXX -- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; Date : Tue, XXXX XXXX, XXXX at XXXX Subject : Fwd : XXXX XXXX XXXX XXXX Escrow research request To : XXXXXXXXXXXX Please provide an updated status for the QWR that was submitted on XXXX/XXXX/XXXX. I received an acknowledgement letter dated XXXX XXXX, XXXX and an extension letter dated XXXX XXXX, XXXX. I have not heard from Nationstar by telephone, email, or mail with a response to my QWR research request. I would like to make my mortgage payment but can not do so online as the issue with the escrow shortage has not been rectified and I am unable to make my regularly scheduled payment amount that is less than the incorrect amount showing due that includes an escrow shortage. Please contact me or my husband XXXX XXXX by telephone, email, or regular mail as soon as possible so this matter can be resolved. In addition, please see to it that my payment history is not reported delinquent during the time the research request has been outstanding. 

XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am a victim of identity theft and attached below is my FTC Identity Theft Report. I have also mailed all respective CRAs with my notarized identity theft affidavit. 

I have never authorized or entered a consumer credit transaction with the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Yesterday, I deposited virtually my paycheck with my phone from my school district. The direct deposit that was supposed to happen did not go through, so I had to do it by picking up the check in person and uploading it. My bank took {$1000.00} of a {$200.00} check. I have no way to pay my bills, as I have a {$99.00} insurance bill that is past due. I have {$100.00} to get through the week, and gas alone costs me {$15.00} a day. I can't buy groceries, nothing. I talked to XXXX people and they say there is nothing they can do about it nor will the put me through to someone who can. They have done this to me XXXX times. They say NSF fees will do this, but the only NSF fees I've accumulated with them have been because they put a payment on XXXX of their credit cards through twice along with not posting my deposits. The deposit just vanished. They gave me {$200.00} cash advance off that card, throwing me over my limit and are now charging me higher interest for that cash advance that I wouldn't have needed had they not bungled my account. USAA is horrid -- this is the fourth time they've frozen a small amount of money and I need my money NOW. I sat in the parking lot at XXXX yesterday trying to get them to release the money just so I could go inside and get my meds. They wouldn't. Please, please help.
Product: Payday loan, title loan, or personal loan

On or around XX/XX/2019 we took a XXXX payday loan with XXXX XXXX ( NCP ) out. After a few months we noticed the Hugh interest rate which has since changed in Ohio with a max of 27 %. I contacted both XXXX XXXX which is now XXXX XXXX XXXX, and was informed I had to contact NCP, WHICH IS THE ORIGINAL LOAN HOLDER. I BEGGED THEM TO PLEASE LOWER THE RATES DUE TO THE NEW LAW IN OHIO, AND THEY REFUSED TO WORK WITH US. We are more then willing to pay the XXXX with the new rates, but paying XXXX  for 12 months is just to much for us to pay. The last payment is XXXX totaling around XXXX. Please help Thank you