23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I received a notice from small claims magistrate court saying I owe a balance that I have not been contacted about nor knew about. It gave me a date to appear in court.
Product: Student loan

My loan was being serviced through Great Lakes and was transferred to NELNET. It seems as though I paid twice the interest that was supposed to be charged and the company can not provide information on how my payments have been allocated over the last year. I was trying to pay more than the minimum payment but it seems like the balance continually remains unchanged. I contacted them twice, was on hold hours each time and continued to get transferred to various departments. I had my financial advisor call and the same thing happened to him, I was eventually told I would be sent a paper with payment allocation information, the only paper I received 6 weeks later listed the total amount of interest paid, which I already knew. I am supposed to pay approximately {$14000.00} in interest and last year I paid {$27000.00} in interest with no way to determine how this number was calculated or see how my payments have been allocated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting 60 late payment for the month of XX/XX/2020, while the payment was posted on XX/XX/2020. 
Attached is XXXX XXXX XXXX XXXX statement showing the payments posted on XX/XX/2020. 
Please adjust the information on my credit report for XX/XX/2020 to show on time payment.
Product: Student loan

After doing extensive research, I found that Wells Fargo was hit with a lawsuit in XXXX regarding misleading borrowers and ordered to pay the CFPB {$3.00} XXXX. When they decided to make an exit from the student loan business, they sold many of their loans over to XXXX XXXX ( but not all ). I have found hundreds of people whose loans were completely dismissed and marked as paid in full. Im not sure how they decided whose loans to dismiss and whose to sell but that seems completely unfair to continue to make certain parties still pay. XXXX XXXX did not offer any type of relief and honors the guidelines set by Wells Fargo. I would like to know why some loans were dismissed but not all. 

My loans with Wells Fargo were taken out between XXXX and XXXX.
Product: Debt collection

After pulling a copy of my credit report i notice that this company is reporting on my credit report and reporting some inaccurate not proven compliant misinformation and i request that this account immediately be removed from my credit report. i disputed this with the credit bureau as well and has uploaded a copy of my letter attaching it to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are all hard inquiries that were not authorized by me buy a signature, Credit Card, or the option to opt out of having these cards reported. This is a violation of my privacy according to the federal laws of Congress. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Automobile Dealers, Used XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Automobile Dealers, Used XX/XX/XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXXXXXX XXXX All Banks XX/XX/XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/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 TransUnion XXXX XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Banks and XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX  Banks and XXXX XXXX XXXX XXXX TransUnion XXXX XXXX  Banks and XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  Banks and XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Banks and XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  Banks and XXXX XXXX XXXX XXXX TransUnion XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX
Product: Debt collection

TransUnion credit report viewed on website and disputed the validity of fake debts I have in past as they cant provide me wet signature to prove it was ever mine but XXXX XXXX XXXX XXXX are listed presently as two separate neg debts making any potential creditor believe I am owing two different debts when its same evidence by my screenshot showing both same account numbers. My score is suffering and fico and although I disputed u was supposed to get new car and this is going to drastically affect my finance rate and charges i am now offered. Im so mad this is super illegal to misrepresent the same debt as two separate one knowing I less likely to ever get approved with more debt ofc
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a credit dispute to Equifax over items along with my student loan information on XX/XX/21, the credit agency took off the current status of the accounts being in good standing and placed it as unknown. Left on the late payments, that was not true. The credit report for the XXXX student loans should show current and in good status for all months. It is not reporting accurately. Also I disputed the inquiries that I have no knowledge of and still have not had those inquiries removed. The inquiries should be removed as well.
Product: Credit card or prepaid card

PLEASE HELP! 
On XX/XX/XXXX I send Captial One Bank a letter requesting debt validation. Captial One Bank first failed to respond in the required time allowance. I just received their response in the US mail today. Captial One Bank also failed to abide by the law in regards to debt validation. 15 USC 1692g. As seen in the letter that I have attached one of the validation request was for Captial One Bank to send correspondence that bear my signature of an agreement. I received correspondence from Capital One stating that the application that I requested validation of debt was taken over the phone or the internet. Due to the fact that Captial One has failed to validate that this debt belong to me because there is no paper copy. They have no signature on file that I indeed open this account. I need to know how to get Captial One to closed their account and remove it from my Consumer credit report. This account has cause my consumer credit repair to reflect in a negative way and it does not reflect my credit worthiness. Statements and or charges does not validate that I XXXX XXXX indeed opened this account in XXXX. I feel like Captial One Bank is bullying me and is reporting a false fraudulent account on my consumer credit report. I never authorize nor gave permission for Captial One to report anything on my consumer credit report. Captial One needs to abide, follow and respect the laws of an Consumer. As a consumer I have rights and Capital One Bank is violating my rights. I feel like I am being treated like a Criminal. Captial One Bank has no documentation that proves I opened this account nor that its my account and continues to report it to the credit reporting agencies. I don't understand how these companies can continue to report items that are fraudulent and false. I really need help! This account that I didn't authorize is causing me an inconvenience. I am trying to purchase a home. I am working how to build my credit and increase my score and Capital One Bank is just sending correspondence that not only does not validate but they failed to respond to the letter in full. They responded to the parts that they wanted which is not a valid response. Due to the fact that its invalid and against the law if I am not able to get them to remove this account that I didn't authorize I will be force to file a litigation. Capital One failed me as a consumer 15USC 1692e, 15USC 1681b
Product: Credit card or prepaid card

I originally applied for the Chase Sapphire Reserve ( CSR ) in XXXX of XXXX. I tried applying Military Lending Act ( MLA ) fee waiver after I applied. It was denied since Chase did follow MLA at the time. I paid for the annual fee for the first time. In XX/XX/XXXX, Chase approved a new policy stating that all new account holders would get MLA applied. I tried getting it applied but since my account was too old, I did not get it. I was told to close my account and retry in XX/XX/XXXX when I could apply for a new account and get the benefit applied ( I also paid for the second annual fee ). In XX/XX/XXXX, I product shifted my old account and applied for a new account. It was denied since Chase changed the rules. Now I have to wait for 4 years to get a new account. I talked with the military chase representatives and application representatives, but they said they could not do anything. So I switched my account back since that was all they could do for me. So I had to pay a XXXX annual fee for the 3rd time since they keep changing the rules. I feel like they are changing them to avoid waiving my fee. With MLA, I should not have been charged the annual fee for the second and third time. This totals XXXX dollars and I will probably have to pay the fee again in XXXX for the fourth time ( XXXX per year ).
Product: Checking or savings account

In 2024 I was charged 3 overdraft fees of {$29.00} each for items returned even though I had deposited money in my checking account to cover the item. Navy Federal continuously charged my account before crediting the deposits. Im very upset about this. I need to be compensated and this must stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that he information is inaccurate.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002  and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I am sending this complaint on behalf of XXXX XXXX XXXX XXXX. I noticed a collection on said account : SECURITY CREDIT SERVICES XXXX XXXX XXXX XXXX, XXXX XXXX According to the FCRA, the following collection should be removed from the above credit report immediately.
Product: Student loan

I am filing a complaint about Mohela the federal loan servicing agency due to failure to be reimbursed for payments made above and beyond XXXX qualifying payments in the XXXX program. In XX/XX/XXXX I completed my XXXX payment in the XXXX program, serviced by Mohela. I applied for XXXX in XXXX of XXXX. XXXX Mohela 's recommendations, I continued to make payments ( in the event the count of XXXX qualifying payments was erroneous ), and made XXXX additional student loan payments before I was placed on administrative forebearance by Mohela. In XX/XX/XXXX, half of my loans were processed and successfully discharged. In XX/XX/XXXX, the remaining loans were discharged and my loan balance showed nothing owed by me. It also reflected a credit owed back to me in the amount of {$6300.00} which is representative of the payments I made in XXXX and XX/XX/XXXX after applying for XXXX during the initial processing of my application. In my correspondence, I was informed that refunds for extra payments above XXXX qualifying payments would occur automatically and could take XXXX days. 

Since discharge of my loans, I still have not received my refunds for the credited funds as listed above. We also have exceeded the 60-90 day estimate that Mohela gave for receiving these refunds. 

In speaking with both Mohela and XXXX XXXX XXXX on several occasions this month, neither can give me any meaningful information about how to escalate the request to receive these funds, and they are unable to provide a timeline as well. The credited funds now no longer appear on the Mohela website even though I have saved documentation as proof. 

Given my lack of success escalating through Mohela and the XXXX loan discharge customer support, I attempted to escalate through the XXXX ombudsman office with a complaint filed XX/XX/XXXX. I received an email when I submitted that I would receive an update within 15 days. I have received no further correspondence from that office as a means to escalate this complaint, do not have contact information for that complaint, and only see my case as " pending. '' I am seeking assistance to recoup the funds for the additional payments that I made after completion of the XXXX program. These XXXX payments after XX/XX/XXXX were per the recommendation of Mohela and they should be held accountable to ensure that this money is rightfully returned. 

Attached are my XXXX documents that demonstrate loan forgiveness with the outstanding balance reflecting a credit. I also included a reply from mohela from XX/XX/XXXX when I was awaiting forgiveness for XXXX of my remaining loans. In it they state that refunds for extra payments take 60-90 days. The sum of the XXXX total loans, again, is {$6300.00}.
Product: Mortgage

Complaint against XXXX XXXX XXXX XXXX - XX/XX/XXXX I was approved for a Wells Fargo Prime Equity line of credit, amount {$73000.00}, in XX/XX/XXXX. I only withdrew {$45000.00} of total amount. In about XX/XX/XXXX account was restricted to about {$45000.00}, without notification. 
COMPLAINT - Account never should have been restricted, due to the fact that I am a longstanding customer with top credit rating. I want restriction lifted without any conditions. Also has Wells Fargo Bank used restricted amount to create any false accounts? Reason for restriction may be due to mass bank failures, not my fault. 

Thank you for your attention with regard to this matter.
Product: Mortgage

I was contacted by someone claiming to be with our lender, Ocwen, who claimed that we had been approved for HAMP. They sent paperwork for us to sign and we faxed it back to them at XXXX. They continued to call and provided us with a name to send {$500.00} via XXXX XXXX to. The first payment went through but XXXX XXXX denied the next payment. We became suspicious when the rep we were speaking with told us there was a fraud situation, so we met with a housing counselor. When Ocwen was contact they had no record of the HAMP, paperwork or payment. It was all a scam.
Product: Credit reporting

There is a judgment on my credit report with XXXX XXXX XXXX, docket XXXX for a collection with XXXX XXXX XXXX XXXX in the amount of {$820.00}. It shows that this judgment was filed on XXXX. I have written to the court, disputed with the credit bureaus and even sent letters to XXXX XXXX XXXX XXXX head quarters to get this judgment verified and validated per the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I have not received XXXX document that shows this account belongs to me bearing my name, address, birth date, social security number, or anything with my signature on it. I have n't even been provided with a contract from XXXX XXXX XXXX XXXX that proves I owed this money. Therefore, I have reason to believe an investigation was never completedThere is a judgment on my credit report with XXXX XXXX XXXX, docket XXXX for a collection with XXXX XXXX in the amount of {$6300.00}. It shows that this judgment was filed on XXXX. I have written to the court, disputed with the credit bureaus and even sent letters to XXXX XXXX head quarters to get this judgment verified and validated per the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I have not received XXXX document that shows this account belongs to me bearing my name, address, birth date, social security number, or anything with my signature on it. I have n't even been provided with a contract from XXXX XXXX that proves I owed this money. Therefore, I have reason to believe an investigation was never completed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I applied for a New car loan through XXXX XXXX XXXX in XXXX, In. The 2 companies that were contacted were XXXX XXXX XXXX and XXXX XXXX service. These 2 companies ultimately denied my applications because of 2 NEGATIVE accounts on my Credit Report. The NEGATIVE accounts are with Atlas Collections and were recently Disputed and resolved through C.F.P.B. As it turns out the 2 accounts were turned into my Attorney to go into my Chapter XXXX Bankruptcy. So one of several things have happened to these 2 accounts ( 1 ) The Attorneys office ( XXXX XXXX XXXX ) paralegal failed to turn the submitted bills into our Chapter XXXX ( 2 ) The Paralegal failed to research the accounts that were applied to my Chapter XXXX and forward the info to the Atlas Collections or ( 3 ) The Atlas Collections company has failed to abide by their statement that they would remove the 2 accounts. ( 4 ) Or all of the above. It is almost impossible for a person to repair their credit when you have companies like this that disregard the law and the customer they supposedly represent.
Product: Money transfer, virtual currency, or money service

PROBLEM WITH CFPB AND EQUIFAX
Product: Credit card or prepaid card

XXXX XXXX XXXX charged {$1200.00} and {$800.00} on XX/XX/2022. Same company charged {$1600.00}, {$1200.00}, and another {$1200.00} on XX/XX/2022. I reported fraud yesterday and today. I spoke to no fewer than 7 employees in the past 2 days. Yesterday, I was told I had to resolve the dispute. The owner, XXXX XXXX, sent me an email yesterday confirming the fraud explaining his external vendor was hacked. Capital One is more concerned about getting me a new card than resolving the fraud. I'm told I have to receive a new card or Capital One can not work on the fraud allegations None of the reps listened to me. I was repeatedly asked for info I had already provided. Nor did Capital One notice over {$7000.00} in fraud charges made in the early morning hours on 2 consecutive days.
Product: Checking or savings account

On XX/XX/XXXX XXXX filed ( XXXX )! items under disputes/ claims from the Merchant. Claim # XXXX -- for {$280.00} and {$100.00} from XXXX -- Bill Payment. The Consumer has a post paid contract cellular account with XXXX. Consumer had filed FCC complaint against XXXX for billing irregularities dating from XX/XX/XXXX. The XXXX audit for billing was required in order to find overpayments and duplicate payment. Consumer advised and reported two claims with Chase Bank on a checking/debit card 'Secure Card ' account. This account is technically a prepaid type account and holds no value as it has no checking options nor wire transfers acceptance. 
Consumer opened the claim for dispute on XX/XX/XXXX. Chase Bank offered a provisional temporary credit in the {$380.00} to the account holder. The communication with Chase 's Claims Department were understood ; a investigation and letter of claim were to be sent to the XXXX XXXX On XX/XX/XXXX ; chased reversed the temporary credit of {$380.00} back to the account holder and didn't run an investigation, refused to send copy of claim or charge back to the XXXX XXXX Chase also refused to file a claim on ( XXXX ) additional disputed amounts. XXXX had advised the account would be under audit and would be completed by XX/XX/XXXX. Chase closed the claim on XX/XX/XXXX and reversed the provisional credit ; claiming these are disputes with the XXXX and should not be handled by Chase. The account holder informed Chase XXXX requested for consumer to refile the claim ; since they never received an initial claim in order to work with the account holder. Chase has refused to refile the claim and stated the account holder would be responsible for any credits reversed on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

i disputed some inquires with equifax i contacted them and was told to send in a dispute document stating that the inquiries does not belong to me. I send in certify and notarized documents. for the following inquiries XXXX/XXXX  XXXX, XXXX XXXX  XXXX, XXXX/XXXX XXXX, XXXX  XXXX/XXXX  XXXX, XXXX XXXX/XXXX  XXXX, XXXX XXXX/XXXX  XXXX. I also contacted the creditor they have no record of my SSI, Name are DOB in there system/data base. I need Equifax to remove this inaccurate information reporting false information remove from my credit report immediately. Im also a victim of identity fraud with all three credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$0.00}, XXXX OF XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, and XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance : {$0.00}.