23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have called both Nelnet and the XXXX XXXX XXXX Department multiple times in the past month or two regarding my student loan discharge. I received loan forgiveness and repayment due to attending the XXXX XXXX. I wanted to know when my loans will be officially fallen off my credit and when I will receive my repayment. I have received one paycheck in the mail for XXXX a few weeks ago after being led to believe that I would be seeing the whole the amount refunded on one check. I called back several times being pushed around in circles and for some reason no one has any answers on how the payments will be processed and how many payments there will be in total or when any of this will occur. Nelnet tells me to call FSA and FSA says Nelnet is the only one the answers. Its so frustrating and there is no way there isnt an answer to this. After being taken advantage of both Nelnet and the XXXX XXXX, I can not let this happen again. I was a Pell grant student and all my loans were direct federal loans. Taking advantage of young adults from low income families trying to get an education is shameful. Nelnet has been given the opportunity to make things right and is stumbling to do so.
Product: Mortgage

I refinanced my home. I contacted the original mortgage company for disbursement of my escrow funds. I was told that they do not disburse the funds until eleven business days after the closing. I was told that this is consistent with federal guidelines. I paid a title company to handle all relevant issues regarding this transaction. I believe that this is an illegal taking and a provision of some federal regulation that apparently allows this company to keep my funds for an inordinate amount of time.
Product: Credit card or prepaid card

Ordered my card over a month ago and still havent received it in the mail
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00}
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late on XXXX 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me in time.
Product: Credit reporting or other personal consumer reports

I am disputing unvalidated late payments on my credit report. Despite my written dispute over XXXX XXXX  ago, you have failed to respond or provide the required validation, which constitutes a direct violation of the Fair Credit Reporting Act. You must immediately remove these disputed late payments from my consumer report.
Product: Debt collection

Ive written penn credit corporation about my debt. They have violated several laws obtaining my information without my consent. Claiming I owe an alleged debt
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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

EQUIFAX IS REPORTING XXXX XXXX with a balance of {$600.00} and available credit. This acct is a charge off with a {$0.00} balance. This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standard. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be permanently removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX off exceed statue of limitations
Product: Mortgage

I currently have a second mortgage with Specialized Loan Servicing. Due to the virus pandemic I am unable to work. I have attempted to reach out to this company to get assistance with reducing this payment. However, this company has refused. I am requested help with this case.
Product: Checking or savings account

I needed to get bank statements for proving Identity Theft/Fraud, after 6 attempts, in bank & mobile banking I received XXXX XXXX. I repeatedly asked why I couldn't have 7 years worth of statements & the lady said " I can not produce Statements for accounts that don't exist '' I've been a Wells Fargo customer since XXXX. I've had extreme complications with WF after my savings account dwindled. In XXXX I applied for a loan, was approved & it never happened. I had called the bank to find out if there was an e-deposit & she said no & then added that there was an e-ck for $ XXXX went into the bank to find out what was going on & ended up paying for that ck. It continues after that. Also, instead of helping me with filing fraud paperwork they punished me. They started me out negative every month. I closed my checking & savings XXXX XXXX. XXXX XXXX I went to a local bank and found out that they closed the checking in XX/XX/XXXX & the savings account was still open & even though my restitution checks were still going to that acct I still ended up with a negative balance. Please help me.
Product: Credit card

On XX/XX/year> I attempted to use my Nordstorm card to make a purchase of {$100.00} at XXXX at Nordstorm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX in XXXX XXXX XXXX XXXX My last payment was on XX/XX/year> for {$400.00}. Nordstorm declined my purchase although I had the available credit to make the purchase. They denied me access to my Nordstorm card to make this purchase. I was embarrassed, experience hardship and humiliation when the store rep had to call for my transaction to get approved, in which that back office department they called declined my transaction and force me to use another form of payment to complete my purchase. I requested that they send me documentary evidence stating that I wasn't entitled to utilize my Nordstorm card. This action by Nordstrom was a violation of my rights according to 15 USC 1666c Prompt and fair crediting of Payments and 15 USC 1666d treatment of Credit balances. As soon as a payment is received Nordstorm should be crediting the account immediately and it should be available to me for usage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX These account is no obligation of mines and violates my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent, 15 usc 1691. XXXX  and Transuion have prolonged remove Fraudulent information in retaliation of multiple Disputes i put in for violating my consumer rights. Both XXXX  and Transuion refuses to comply by phone and have hung up on me multiple times. A Transuion representative told me she had my file mixed with someone else and still havent removed these accounts.
Product: Credit card

Wells Fargo converted my business credit card from a Visa to a Mastercard without my permission. 

Then they froze the account for what they called " suspicious activity '' which was me paying off the balance from my WF business checking, same as I had done for 15 years. They refused to tell me what was so suspicious about that. 

Then they closed the account at the exact time that I most needed to use it. 
They demanded documents that do not exist and stated their actions were due to regulations, while refusing to tell me which regulations required them to do so. 

They sent no alerts to my online banking about the action, and refused to compensate me for opening fake accounts in my name that damaged my credit. They tried to hide this fraud by changing my online password without my permission so that I could not see the bogus accounts they opened using my name and account information.
Product: Student loan

I have been having trouble issuing any payment to my debt. Every time I have tried to pay off my loan, my payments keep getting reversed. Now, I found out that I was reported delinquent with 120 days  late.This is  completely absurd considering the fact that I have been trying to send payments since last  XXXX . Today, I tried to send another payment and was told  by Navient 's customer service to wait another 2-3 days   to see if it will be processed. My checking account has plenty of funds to pay off those bills so that would n't be a valid reason for why payments are getting reversed. I am contacting you because this issue has gotten out of hands and escalated with the delinquency notice. I have attached a screenshot of the payment history to help you further understand this issue.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX 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: Checking or savings account

I believe that citizen bank is knowingly commiting consumer fraud with advertising and offering overdraft protection. On the morning of XX/XX/2019 asi walk to work I check my account to find the insurance policy I recently purchase being debited from my checking account. This transaction made my account negative. Less than 24 hours I transferred money from my saving account to cover the transaction, however the bank had already charged the overdraft fee. What is overdraft protection for if the consumer still gets hit with overdraft fees less than 24 hours of a transaction even after covering the overdraft balance? The bank does not have the best interest of the consumer and I feel like they are fraudulently offering protection from overdraft and charging overdraft fees.
Product: Credit reporting or other personal consumer reports

I did not authorize these fraud inquiries, these are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon being denied from a lender for " too many inquires '' from   XXXX   report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquires on my  XXXX  credit report that I DID NOT authorize and had no knowledge of. I contacted   XXXX   immediately and was given no relief. I alsp have a fraud alert already in place which should have avoided any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.    1.    XXXX   XXXX    XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX   XXXX    XXXX    XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX    XXXX    XXXX / XXXX / XXXX  /i am currently waiting for the other  XXXX  credit bureaus to respond to my request.
Product: Debt collection

XXXX XXXX is the company that says I owe XXXX. There are multiple phones on this account that is not mine. There were calls to the XXXX XXXX XXXX and new york. I live in XXXX. Illinois and dont have any relatives, family or friends here. I disputed with XXXX before and they transferred it to Jefferson capital collection agency. I managed to get my credit straight and they have brought it down to XXXX. This is really heartbreaking. Please get them to delete this.
Product: Credit reporting or other personal consumer reports

I requested that companies remove unauthorized inquiries and they refused. 
XXXX XXXX XXXX, XX/XX/year>XXXX XXXX XXXX XXXX, XX/XX/year> XXXX XXXX XXXX, XX/XX/year> XXXX
Product: Debt collection

I sent a debt validation request to XXXX XXXX XXXX on XX/XX/year> via certified mail ( Tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). They received it on XX/XX/year> but failed to provide validation. Instead, they updated the account on my credit report on XX/XX/year> with the remark Completed the investigation of FCRA dispute-customer disagreed ; PLACED FOR COLLECTION. I sent them a follow up letter notifying them of their violation via certified mail on XX/XX/year>. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), as they are required to cease collection activities, including reporting to credit bureaus, until they verify the debt. Since they failed to provide validation but continued reporting I am requesting that the CFPB investigate and require them to remove this account from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am submitting this request to prompt an investigation into the fraudulent inquiries listed on my credit reports. I urge the XXXX Credit Bureaus to initiate an investigation as stipulated by law. Listed below are the fraudulent inquiries that need examination and removal : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$5100.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate charge-off and closed account on my credit report associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account has been disputed several times with no effective results. I believe that this charge-off and account closure are incorrect and request a thorough investigation into the matter for the following reasons : The information being reported on my credit report does not accurately reflect the status of my account with XXXX XXXX XXXX XXXX XXXX I have reviewed my records and found discrepancies that suggest errors in the reporting process. 

I did not receive any prior notification or adequate explanation from XXXX XXXX XXXX XXXX regarding the charge-off and account closure. According to my understanding, financial institutions are required to provide proper notification and an opportunity to rectify the situation before taking such drastic measures. This erroneous charge-off has negatively impacted my credit score and financial standing, causing undue XXXX  and financial difficulty. 

My payment history with XXXX XXXX XXXX XXXX has been consistently reliable and timely. The reported charge-off and closure do not align with my long-standing history of responsible account management. 

Enclosed are copies of my credit report, and I kindly ask for your assistance in ensuring that my credit report is corrected and reflects accurate information.
Product: Debt collection

have a large amount owed for a XXXX XXXX account. That I'm not aware of or didn't open. 
Debt collector have an excessive amount owed which made my XXXX XXXX decrease. Also it's an active jewelry account opened that I'm not aware of which I was notified about on XX/XX/year> after talking with credit karma and other credit agencies. So I'm asking credit bureau or who over is receiving this message to close any active account on my credit file. I'm not aware of any accounts opened such as Phone/mobile accounts, jewelry accounts, or credit cards that could affect my credit score.Thanks, XXXX XXXX XXXX
Product: Checking or savings account

I opened a checking account with XXXX XXXX XXXX  at XXXX XXXX on XX/XX/XXXX with {$200.00} bonus offer. The offer term stated that I need to " Within sixty ( 60 ) days of account opening, at least one electronic direct deposit from an unrelated 3rd party ( e.g. your employer or a government agency ) in the  amount of at least {$300.00} must post to the new checking account. '' and " The {$200.00} cash bonus will be deposited into the new checking account within 60 days of meeting the bonus requirements described above. ". 

On XX/XX/XXXX, I had an incoming direct deposit for more than {$200.00} to the account. However, after 60 days from that I still did not receive any bonus. I called ( XXXX ) XXXX ( BBVA Customer representative number ) on XX/XX/XXXX and was told to wait. On XX/XX/XXXX, I called again and was told that I have already satisfied all requirements but there was some problem with the system, and I will receive the {$200.00} bonus by XX/XX/XXXX. However, I still have not receive the bonus yet.
Product: Debt collection

XXXX XXXX  XXXX  are putting this account on my credit without properly investigating who this company is and what they want i don't owe southwest XXXX  i don't even no who or what this company is
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a complaint because I reported Identity theft to the credit bureaus and they made no effort to fix the problem. I've enclosed documents of my identity as well as FTC report within this report. Please review my documents and remove these fraudulent charges from my credit report.
Product: Debt collection

I entered into a mutually agreed upon payment arrangement with XXXX XXXX XXXX and made several timely payments as agreed. In XXXX I made a payment to a representative over the telephone which was a few days past my due date so I called to make the payment personally. He told me no problem assured me the payment was applied and not to worry the payment arrangement is not affected pmnt went through. My account was sold to collection company Bay Area credit 1 week later and I was contacted by phone and bullied to enter the same arrangement with them. They assured me if I continued to pay as agreed on auto by from my checking account The collection would not be reported on my credit report so I did. They began taking different small amounts out the day before the agreed date in their name {$5.00} then the pmnt amount the next day from a trust account name? The the statements I received started reflecting the balance growing not declining o called to complain many times their story always changing. After making 4 or 5 payments on time by auto pay so they could not be late the reported to credit report anyway costing me valuable points and going against their word. However the original debtor should not have been allowed to give to collection in the first place and I believe it is a violation of law and the collection company should be fired and the original debtor also for a violation of fair debt collection and my debt cancelled as I have paid by now.
Product: Credit card or prepaid card

I filed a dispute with Bank of America prepaid card offered by California unemployment. I was asked to send in a police report as well as copies of my id so that it can be used to compare images from atm and or teller withdrawals. My claim was denied and none of the info provided to validate my claim was reviewed. Had atm withdrawals been reviewed and compared to my drivers license Bank of America would have seen that I was a victim of identity theft. My account had been completely taken over and funds stolen. Once I learned about those funds that were supposed to be available to me I called and my account was frozen due to previous suspected fraud. I went into a branch and verified myself yet my claim was not throughly reviewed, no temporary or provisional credits have been applied to my account and the investigation has lasted over 90days. I have provided my lease to verify my proof of residency throughout the time frame from when my card was initially issued and funds depleted from my card. Yet Bank of America refuses to do due diligence and investigate my claim and instead readily deny claiming I must have given someone permission to steal from me
Product: Debt collection

I was checking my credit report and saw that on XX/XX/XXXX a debt in the amount of {$790.00} was posted to my XXXX credit report. The original debt collector is listed as XXXX XXXX XXXX XXXX  for XX/XX/XXXX. I have attached a document that shows the XXXX recording of the error on pages 7,9,11,12, and 13. I have never done business with a company by that name. I have no idea where this charge came from. It is not my charge. I never received written notification about the debt.I would like this erroneous debt removed from my credit report. I am reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX UT XXXX, Business Phone : XXXX, and LTD FINANCIAL SERVICES, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX for fraudulent charges and collections.