23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I logged into my Nelnet account today to this notice : At the end of XX/XX/XXXX, we changed how payments are allocated to help you pay down your loan ( s ) with the highest interest rate more quickly when you pay more than the current amount due. Get more details at Nelnet.comXXXX 

The relevant new section is here : Unless you direct your payment to an individual loan or group, the standard allocation method is as follows. After your current amount due is paid, payments are allocated across loans in repayment status starting with the highest interest rate. Once the loans in repayment status with the highest interest rate are paid in full, any remaining payment amount will be allocated across the loans with the next highest interest rate. If two or more loans in repayment status have the same highest interest rate, the payment will be allocated first to the unsubsidized loans and then to the subsidized loans, in proportion to each loans regular monthly payment amount. 

When you pay more than your current amount due, your due date on loan groups in repayment status will advance by one month each time you satisfy the regular monthly payment amount for that group. Your monthly billing statement will show {$0.00} due for that loan group. 

Since your excess payment will continue to be applied to the loan group starting with the highest interest rate, you will continue to have an amount due for loan groups with lower interest rates. ** You have the option to request that we not advance your due date when you pay more than your current amount due. See Special Payment Instructions for more information. 
If you want your excess payment to continue to advance the due date of all of your loan groups in repayment status, you can direct your excess payments to all loan groups in repayment status, instead of targeting the loan group ( s ) with the highest interest rate, as a one-time or recurring special payment instruction. This will help keep the due dates for all loan groups aligned. 

My loans are in a graduated repayment plan, and I have already paid about 60 % of the balance of the loans in interest alone. Currently, I am attempting complete payoff, so I am ahead of my loan schedule by making monthly over payments. In my situation, Nelnet is using this new calculation method to capitalize interest on my larger loan balance while paying principle down on my smaller loan balance. The net result is that over the course of the loan, I will pay more total interest due to compounding the outstanding interest into the balance of the larger loan. In XX/XX/XXXX, approximately {$50.00} in interest was capitalized into my outstanding balance on my larger loan even though my payment was more than sufficient to cover the interest on both of my loans and pay down principal. In order to stop this compounding from occurring, individual users must " opt out '' of the new payment policy if they find themselves in similar circumstances. I have contacted Nelnet to personally opt out, but this practice is predatory.
Product: Money transfer, virtual currency, or money service

REQUESTING MISSING FUNDS To Whom It May Concern, I am writing to report an issue with an instant cash-out transaction on Cash App. On XX/XX/year> at XXXX XXXX  I initiated an instant cash-out of {$68.00} from my Cash App balance to my linked bank account. However, the funds were never deposited into my bank account, and the amount is missing from my Cash App balance. 

I contacted my bank to verify the transaction, and they confirmed that no deposit of {$68.00} was ever received. Despite reaching out to Cash App support for assistance, I have not received any help in resolving this issue. 

I request immediate assistance in locating these funds and ensuring the payment is completed as expected. Please address this matter urgently, as this delay is causing financial inconvenience. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

PayPal has inactivated my account without explanation. Further they asked for copies of my ID which I provided and they refuse to either restore my account or in the alternative cancel it. I do not want my credit card information in a suspended account. Recently the PayPal made additional request for a copy of my bank statement which I, under no circumstances, will comply with in any form. At this point in time, I would be satisfied with a simple closure of the account but told Paypal to either reactivate account or cancel it. PayPal refuses to do either. Further, PayPal offers no explination of their behaviour. My account has been open since 2014.
Product: Credit card

I switched my Citi platinum card to a Citi cashback card. Shortly after switching, they offered me a 5.99 % APR on new purchases through XXXX/XXXX/17. I signed up for it, thinking that while I always pay off new charges every month, it would be nice to have a lower interest rate just in case. After sending an amount to cover last month 's new charges, plus an additional {$100.00} to cover balance transfer amounts I had on the card at 0 % APR, I was surprised that I was charged an interest fee of {$2.00}. I checked Citi, and it looked as if the amount I put towards my new charges was not applied to the new charges since they were sitting not in the new interest charges section of my statement, but in a separate offer ( # XXXX ). I wrote to Citi to say that I had expected that new charges would have been paid off first when I sent them money, and even if it was in a different offer, that my payments should go to pay off the highest interest offer first. This was their response : " Thank you for your inquiry. 
Please be advised Each month 's minimum payment due is applied in the following order :? Past due amounts ( if applicable ),? Current interest charges,? Principal balances in APR order from lowest to highest. 
If the Annual Percentage Rates ( APR ) are the same, the offer with the earliest expiration date will be paid first. 
Amounts in excess of the minimum due are applied to balances with higher APRs before balances with lower APRs. 
We are unable to apply the payments which will be applied to higher interest first. 
If you wish to cancel enrollment from offer XXXX kindly respond back to this message. 
If there is any way we can be of further assistance, please feel free to contact us. " I wrote back that they should cancel offer XXXX and also refund me the measly XXXX dollars and change they charged me, but then I realize that I basically have to pay both last months charges AGAIN in order to have that amount wiped clean and so I do n't gain any more interest. To me, it seems predatory that they would apply additional funds beyond the minimum amount to cover lower interest offers over higher interest offers. Also, it is a financial hardship to have to pay the same amount again so as not to incur future interest. I am incredibly disappointed in Citi and told them that I would be writing to the CFPB. I have asked Citi to refund my interest and move my former " offer XXXX '' balance to a 0 % offer to give me time to pay it back without incurring future interest, since I have effectively already paid back that amount. This would be the same as if they took the payment I made, applied it to the new charges and reapplied that amount to XXXX of the 0 % APR offers the money did go to.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when the transactions were authorized. I was charged fees due to the lagged posting and charging of credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, when transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Mortgage

1. Wells Fargo is intentionally over collecting for a mortgage escrow account, using projected tax numbers well above what the actual numbers ( escrow review and actual tax bills attached ) ; 2. Wells Fargo failed to pay two property tax bills they received from the XXXX County Tax Claim Bureau ( attached ) ; 3. Wells Fargo failed to pay my property taxes during the discount period ; 4. I received a delinquent tax bill dated XX/XX/XXXX for taxes Wells Fargo failed to pay ( as required from escrow ) ; and 5. I am being charged a 10 % penalty for this XXXX tax claim due ; 6. I will be charged interest if the delinquent tax bill is not paid by XX/XX/XXXX ; 7. Wells Fargo has put me at risk of losing my home for unpaid property taxes ( they are required to pay from escrow and did not ).
Product: Credit reporting or other personal consumer reports

I have requested that these inquiries be removed from my credit report because I do not know them. I have attached a list of those not authorized by XXXX XXXX XXXX XXXX. 

Please remove these unauthorized inquiries from my report.
Product: Credit reporting or other personal consumer reports

I have not been able to access my credit report for over a 3 years with Equifax ; when I deal with prospective creditors they are unable to see my credit report to render a decision as it pertains to my credit report, when I login online to my Equifax account it gives me an error code saying XXXX and prompts me to call. I did that and spoke to several representatives that don't help me. I've been told that it would refresh, and that there is no resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I are trying to purchase a home and initially we did dispute a few items listed on our reports. However we reached a point that we agreed with the findings and asked that the bureaus remove the dispute verbiage on all of the accounts so that we could move forward making our financial move. The only bureau that continues to report that statement is Experian. I have sent several correspondence requesting they remove it and instead of removing it I received noticed that the dispute is now in process. I wasn't disputing anything I was asking for that to stop and be removed.
Product: Prepaid card

I tried to use this prepaid gift card in person and online at XXXX, XXXX, and XXXX. It gets declined every time.
Product: Credit reporting or other personal consumer reports

I do not recognize this XXXX XXXX XXXX XXXXXXXX account nor did I give them written instruction to furnish anything on my consumer report. This is a fraudulent account that does not belong to me. I do not have any legal binding contract with this company that states I owe them any debt. This account does not belong to me. 

In addition, your company furnished this account on my consumer report without my written permission as stated by federal law that is illegal to do so. The creditors listed above used my identity without my consent which violated my consumer right, my rights to privacy, and have stolen my identity.
Product: Credit reporting 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. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 the information is inaccurate.
Product: Student loan

I have requested the Navient which is my Student loan company on XX/XX/2020 for the Deferment application and all of the payments, the Balance of Statements, and the term of my students loan from the beginning of the loan. I have requested the Navient sending all of the documents to my mailings address, but they are not sending any information to my mailings address. 
I had called them requested for the Deferment application sending it to my Mails address, but the loan processor sent me the wrong application to my Email, and they are keeping asking me, Email harassing me every week that I have to return my electronic E-Signature back to them. I am not sending back my E-Signature to them for the difference application, because I am still waiting for them sending the documents to my Mail. They are also changed my loans term interest rate and charged for the applications fees, raised up the monthlys payments amount. They are lied, cheated and deceptive without my requested and my approval for any change of my loans term in the past. They are not doing as the same what they are saying and as stated in their letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated that my account was properly investigated but how is that possible if the balance is in accurate, open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate ( please see attached credit report ). This is ground for removal they also violated my rights under. 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 states a consumer reporting agency can not furnish an account without my written instructions. Also, the credit bureaus took more than 30 days to complete my investigations here is my certified mail tracking number. Experian XXXX ; XXXX XXXX ; XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made XX/XX/XXXX. 
I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few items that I need to review for some legal proceedings. I would like a a full report and my full XXXX from LEXIS NEXIS. Please forward me a copy of my XXXX XXXX and XXXX XXXX reports as well.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXX  Date of Inquiry XX/XX/XXXX
Product: Prepaid card

I successfully used the card once for approximately {$48.00}, but since then, I have been unable to use it. I have tried multiple times at the grocery store, and it was declined both times. Additionally, I attempted to use it online for an XXXX XXXX  order, but it was also declined. After contacting customer service, I was informed there was a hold on the account and that a new card would be issued. However, even with the new card, I continue to experience declines when trying to use it both in person and online, despite it having a balance of {$52.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed items with Equifax and even so just recently sent in a dispute request and Equifax has yet to mark the items as disputed by consumer as they are supposed to which is a violation of the FCRA. They have also gone over the 30 days to respond to the investigation and even so beyond 45 days. The items disputed were XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, and XXXX XXXX XXXX They are in violation and I plan to sue for damages unless these items are removed due to violations of which I can collect {$1000.00} per violation. Items below will show when the disputes were sent and also the accounts that continue to be reported inaccurate and not marked as disputed
Product: Credit card or prepaid card

In or about XXXX of XXXX I received notice that Capital One was closing my credit card account. On or about XX/XX/XXXX Capital One issued me a check for the balance of my security deposit ( This was a secured credit card ) less the balance that was to be paid off. 

On or about XX/XX/XXXX I received word that I had a balance on my card. Now, at about this time I was out of the country so I just made a quick payment, thinking that I just forgot to pay it, somewhat forgetting that I had received a check with the remainder of the balance. 

Since then, I've looked into this more and realized that my account had received multiple charges in XXXX all the way into XXXX of XXXX. Now, my account was CLOSED. I did not close it. Capital one Closed it. So in my eyes, I had no balance, I had forgotten about this card, and now my credit score has tanked because I've missed payments. But, again, the account is CLOSED! So why are charges being made to the account???? I did NOT authorize any charges after the account was deemed CLOSED by the bankl
Product: Student loan

I 'm XXXX years old, XXXX and live on social security. I have contacted Navient student loans with prove of income and XXXX they continue to ignore me. I have filled out 18 documents, sent 18 letters, social security has sent prove of income. I live below povetity. Navient student loans harasses me continually no one reads documents sent or listen to me. My loan is 17 years old they keep raising the amount of orginal loan and raised now to {$70000.00} dollars. I 'm unable to pay this I only get {$900.00} a month to live on. I 'm struggling just to keep roof over my head. I may be homeless anytime due to not being able to make bills paid due to high medical and medicine. I have tried continually to work with these people and they continue to ignore my letters for help. I owe no property and am a widow alone no where to go for help.
Product: Mortgage

After 35 years of employment, my job was lost I filed chapter XXXX repayment plan and the mortgage company only reduced my mortgage {$27.00} monthly after giving my part time salary and the repayment which is XXXX monthly. They refuse to offer me nothing but foreclosure. I have lived in my house for 15 years and asking for temporary assistance and they refuse
Product: Checking or savings account

Over the past couple of months, I have received notices from Citibank regarding Regulation D- which is a regulation that limits an account to 6 transfers per month. I contacted Citibank on multiple occasions to make ask and make them aware of the fact that in XX/XX/XXXX, the Federal Reserve Board eliminated that rule due to COVID-19.  Each time I spoke with someone ( Via chat ), they were either not aware of the rule or I was told that Citibank 's system had not caught up ( whatever that means ). This morning, as I was checking my accounts, I noticed that my savings account had been closed. I called Citibank to try and understand what happened. The first person I spoke to pretended as if she couldn't hear me, the second person I spoke to told me that Citibank set 's their own rules, and the third and final person I spoke to looked into my account, agreed that there is no longer a limit but told me that I should have reached out to Citibank- I reminded them that I had, on at least 3 separate occasions. Beyond frustrated I hung up. I called another bank, XXXX XXXX, to see if they were aware of this ruling, and they too were not. 

I have attached the various chats I have had with CitiBank customer service agents, as well as the letter I received from Citibank regarding closing my savings account. I reached out to Citibank on XX/XX/XXXX about the matter where I was reassured by the agent that the issue would be escalated so that it does not happen again.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to express my concerns regarding the practices of credit bureaus ( EXPERIAN ) in reporting inaccurate information and their failure to adequately verify debts. These issues have caused significant distress and financial hardship for me, undermining my ability to obtain credit and maintain my financial well-being. 

ACCOUNT DETAILS : Creditor Name : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Number XXXX Amount : {$4.00}, XXXX I have requested for debt verification and original signed contract by me, but Experian decline to provide this information. i I want this to be investigate and be remove According to Fair Credit Reporting Act ( FCRA ) and Fair Collection Practices Acts ( FDCPA ). 

The repercussions of incorrect information on my credit reports, leads to denied credit applications, increased interest rates, and overall financial instability. It affecting my creditworthiness unjustly. 


Attached is a formal letter of debt verification sent via US certified mail and delivered. 

We appreciate your attention to this important matter and look forward to your prompt response Sincerely XXXX XXXX
Product: Debt collection

I had a loan with AFS Acceptance in XXXX. I was paying perfectly never a late payment until my mother went into the hospital in XXXX. The loan was charged off in XXXX with me owing just over {$5000.00}. I disputed some incorrect information they were reporting and in spite they changed the amount that I owed. Every month they report this charged off account as a late payment and they continue to they charging interest on a charged off account. This was NEVER in the agreement that I signed saying I will pay interest on a charged off account. They amount owed is well over {$10000.00} now. That's double the amount that I owe. Since this account was charged off at just over XXXX at which point the account by law is closed to future charges. Per your agency 's guidance a debt collector may not collect any interest or fee not authorized by the agreement or by law. This company is obligated by the Truth in Lending Act to send monthly statements which I have not received. Under the code of the District of Columbia XXXX  the collection of or the attempt to collect any interest or other charge, fee, or expense incidental to the principal obligation unless such interest or incidental fee, charge, or expense is expressly authorized by the agreement creating the obligation and legally chargeable to the consumer or unless such interest or incidental fee, charge, or expense is expressly authorized by law ; Again I didn't signed anything stating this.