23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have had problems with the Nelnet platform to allocate my payments in a way I need this to be. While using the options " Special Payment Instructions '', I selected " Apply Excess by Percentages '' and then distribute the percentages to pay in full loans AH, AC, and AD. 

As soon as I submitted this request the system didn't allow me to move forward due to the following problem : " Sorry, there's been a problem. 
The has been logged and reported to our technical team. 

What you can do first : - Refreshed the browser and try again - Log out your account and log back in again. '' I did follow the recommendation twice and couldn't move forward. 
I decided to go ahead and made a bulk payment and later contacted customer support. I explained the same, I am writing to you on this request. The rep took notes, make the calculations, and documented the way the payment should be allocated. 

I can see my request has not been considered. 

I need you to please correct this and ensure that the following loans are paid in full of my last payment : Loans : AC, AH, and AD. These are the loans with the higher percentage rate I want also to bring to your attention another issue I had last year when the payment resume took place. The platform took me the money twice from my bank account. I called to request a correction and unfortunately for me the rep was extremely unpolite letting me talking alone. She decided not to say a think even though she was on the line. 

At this point, this is clear for me that Nelnet care less about us the loaners. Who can help? 

Thanks.
Product: Money transfer, virtual currency, or money service

I am corresponding to formally express my concernment regarding Zelle 's conduct and handling of disputes particularly in the light of the recent CFPB lawsuit emphasizing the platform 's significant issues. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately and fairly. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's finding further indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users -- such as myself, vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Status Received results Updated on XX/XX/year> Sent to Equifax Dispute reason Don't remember being late I don't remember ever being late with a payment on this account. 
Dispute result Your items currently remain on your most recent credit report. Unless you have received a direct mail from Equifax, there is still a chance that it will be removed in the coming days.
Product: Credit card or prepaid card

With XXXX XXXX, my name is XXXX XXXX. I am writing you guys to informed you of the malpractice and fraud that Navy Federal credit union operates in and how they have violated the XXXX. Navy Federal has threaten your credit rating as well as relay derogatory remarks on my credit report and I have been shown as delinquent, accelerate your debt, they have also restrict my account because your bill is in dispute. And I have used your XXXX rights to dispute the charges. In addition, its against federal law for creditors to discriminate against credit applicants who exercise their rights in good faith under the XXXX. For example, navy federal credit Union has denied me credit just because I've disputed a bill. they creditor must explain to you in writing the corrections that will be made to your account. In addition to not crediting my account, they have not removed any finance charges, late fees, or other charges related to the error.
Product: Mortgage

Good morning. I 'm trying to settle my home loan with Ditech. My home has been listed on the market for over a year. I finally found a buyer who is offering {$18000.00} CASH to purchase the home. It 's a mobile home in a park. Unfortunately, I 'm underwater on my loan. I owe {$29000.00} and have been paying on the loan for 17 YEARS and am current on the loan. I just want to sell it and get out of the mobile home park. At first, Ditech told me to do a short sale application, which I did. That was denied because they do n't do short sales on mobile homes in parks. That was run-around # 1. So I was instructed by Ditech to do a settlement letter, simply saying I request Ditech accept {$17000.00} as full settlement. I completed the settlement letter as instructed. I wait only to be told shortly later that the settlement was denied because they want more money and that my settlement letter provided no details. Run-around # 2. I told them their rep said to provide no additional information, only that I was requesting settlement. Too bad, Ditech said. So my buyer increased her offer to {$18000.00} cash and I resubmit the settlement letter with the higher amount plus the additional info I was asked to provide, i.e., why am I moving/selling the home, when will they get the money ... So I submit the offer and wait again. Throughout this process, I 'm told the hierarchy of Ditech, which seems to morph each time so I 'm never really sure how the application is being reviewed. I 'm also told by different reps that my settlement will be accepted because they 've accepted other settlements on accounts owing more with greater deficiencies for loans that have been owned for less time. I called yesterday ( XX/XX/2017 ) to check on the status and was told the settlement was denied again. No reason is provided other than they are n't obligated to accept any amount less than what is owed. This time I 'm told to file an appeal ( why was n't I told about this appeal process before? ). Meet run-around # 3. Again, no guidance, just submit another letter and caption it " appealing denial ''. I faxed the appeal letter yesterday. Clearly, I 'm being strung along and will most likely lose my one and only buyer. Any assistance and guidance you can provide will be appreciated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my THIRD AND FINAL WARNING before filing litigation against Nissan Motor Acceptance and XXXX 
The Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.C. 1681e ( b ). XXXX has violated that code section by failing to maintain, and failing to follow, reasonable procedures to assure the maximum possible accuracy of information included in my credit report. XXXX has failed to conduct a proper and lawful reinvestigation, in violation of 15 U.S.C. 1681i ( a ). The FCRA requires consumer reporting agencies to conduct a reasonable reinvestigation into any item that is disputed by a consumer. Murphy v. Midland Credit Mgmt., 456 F.Supp.2d 1082 ( E.D. Mo. 2006 ). The court rejected XXXX argument that an investigation solely consisting of ACDVs without seeking additional documentation was reasonable as a matter of law. 

I am a victim of identity theft and someone opened an auto loan in my name with Nissan Motor Acceptance on XX/XX/XXXX, Which I am in the military, United States Army and I was on deployment at that time in XXXX. I pulled my XXXX credit report on XX/XX/XXXX and noticed a charge off amount of {$18000.00} written off with a past due amount of {$17000.00}. Account number XXXX** Nissan Motor Acceptance.THIS IS NOT MY ACCOUNT. I contacted Nissan and Experian about the matter. NissXXXX and XXXX are still reporting this fraudulent account to third parties which is hurting my reputation to attain credit. After researching, Ive founded that FACTA adds a new section, 605B, to the FCRA that requires agencies to block identity-theft related information within 4 days of receiving specified information : which XXXX has failed to do so. Also, the XXXX Nissan Motor Acceptance was just updated with a recent payment of {$2.00}, which is a violation of the FCRA which re-ages the account. Please check attachment.
Product: Mortgage

Completed Chapter XXXX bankruptcy in XXXX. Mortgage company contacted us in XXXX XXXX via mail to notify us that they are foreclosing on our home due to not receiving a payment from XXXX XXXX ( during our XXXX ). The payment in dispute was a check that was cashed by a previous mortgage company and right before the new mortgage company acquired the loan. The mortgage company was given a complete list of all payments that were made by the trustee with a XXXX owed balance at the time of discharge. In addition to this ledger, the mortgage company was supplied a copy of the cashed check that proves they cashed the check for the month they are disputing was never received. I have also provided them with a copy of the discharged bankruptcy that states they, as debt collectors, authorized us to be discharged and that there was no outstanding debt at the time of discharge. It is now 4 months later and the mortgage company has not resolved the issue. We were in the middle of selling this home and in the process of purchasing a new home. We have now had to take the home off the market, lost the opportunity to buy a new house, and have damaged credit. Even with all the evidence, the mortgage company continues to argue that they need more time to evaluate the loan documents. I am in jeopardy of losing a job offer because my credit history states I am " late '' since XXXX when I have provided proof that I have not been late since we entered into this bankruptcy and have never been late in submitting payments when we started making them on our own again. I literally call every single day and have been told since XXXX that they need an additional XXXX more days to review. The manager will not call me back, the supervisor says he 's " done all I can do '' and we are forced to lose the chance of selling our property, buying a new home, and ca n't even rent if we wanted to.
Product: Credit reporting or other personal consumer reports

Dear equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1. THERE NO NOTICE OF DISPUTE 2. Different last payments from XXXX  & EQ 3. The payment history have no late payments so the account status is incorrect.

4. LATE PAYMENT STATUS ON EQ SHOWS 60 days MAYBE UPDATED TO 80 days late BUT THE ACCOUNT WILL STILL BE INCORRECT CAUSE XXXX  REPORT 90 days late. 
5. DIFFERENT OPENING DATES : XXXX HAS XXXX EQ HAS XXXX. Wrong information 6. Remove account due to incorrect or inaccurate information FCRA RIGHTS 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 

Thank you XXXX
Product: Credit card

We contracted with XXXX XXXX ( aka XXXX XXXX XXXX  ) to load, transport store and deliver our household goods from XXXX XXXXXXXX XXXX XXXX XXXX. The loading agreement included 3 hour per container to load each of our 4 containers. Once the move was complete we received a charge on our Bank of America credit card that included {$1000.00} for 10 hours of in additional labor to load that was not provided. We requested a credit from both the merchant and B of A. We also requested all documentation and receipts from the merchant. The only thing they included was an Additional Services form listing optional services which we did not agree to. We were told on the phone that the number 10 in the line total column meant they spent 10 additional hours loading the containers. Notably absent on the form is start and stop time, quantity and my initials. The merchant offered {$300.00} credit leaving {$700.00} in unauthorized and I believe illegal charges.
Product: Vehicle loan or lease

We are writing this letter to dispute a delinquent payment reported for XX/XX/2018 under our GM Financial account. 
Our account was set up for autopay and we were unaware that the autopay had an expiration date. 
According to customer service, the autopay ended XX/XX/2018 so our XX/XX/2018 payment was delinquent. 
We use autopay for many accounts and the autopay is usually continuous for the life of the loan/account. 
We explained to their customer service department that we didnt receive any notices that our autopay was going to be ending soon or that it needed to be renewed. They said that they dont provide these types of notifications because it is the customer who sets up the autopay. 
We also explained to their customer service department that we never received any phone calls that we were past due on any payments. They explained that the collections department tried to contact one of the numbers on file and was told not to call that number again. On further review of the loan application, it appears they reached out to my husbands HR department at work which he placed on the lease application to verify employment. They said that eventhough they didnt try to reach out to our cellphones, they are not required to even call us. The call they made to my husbands HR department was just a courtesy call. 
We would like to file a complaint against GM Financial as we do not feel GM Financial notified us appropriately before reporting a delinquency to the credit agencies. We feel that GM Financial should have either notified us that our autopay would be ending soon or that the autopay had ended. We also feel that GM financial should have called our cellphones not our HR department to reach us.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about my credit scoring done by Equifax. I keep up with my credit score check weekly and watch how my credit scores drop when I use my credit. Last week my score was XXXX and now it drop to a XXXX. My score will drop more than it will rise and I wanting to know why? Is this how it keeps me paying more in APR 's or what. I have no late payments, bankruptcy or repossessions on my history but yet I 've never been over the XXXX mark. I have plenty of credit history too, Im XXXX years old. So how is this a fair credit scoring system they have in place. Its almost like it to keep you from using your credit or to keep a person paying high APR 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and was surprised to see that I have been a victim of identity theft. There are several accounts on my report that were not opened by me. This has been hurting my credit score, and I'm in the process of buying a home for me and my wife. Please remove these fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I received a letter from a debt collector which clearly states at the bottom of the letter that they will not sue me for the debt and they will not report it to any credit reporting agency. Yet they continue to report the debt and will not remove it despite the fact that I have disputed it with the reporting agencies.
Product: Debt collection

I have discovered that SUNRISE CREDIT SERVICES, INC. is reporting inaccurate information on my credit report without ever notifying me about the alleged debt, my rights to dispute or pay it, or the potential impact on my credit report. This failure to provide proper notification and accurate information violates my rights under both the Fair Debt Collection Practices Act ( FDCPA ), specifically sections 1692e ( prohibiting deceptive practices ), 1692g ( mandating debt validation ), and the Fair Credit Reporting Act ( FCRA ) section 1681s-2, which requires creditors and debt collectors to furnish accurate information to credit reporting agencies.

Under the FDCPA ( 15 U.S.C. 1692g ), debt collectors must provide consumers with specific information about their debts and their rights. If the debt collection company claims they sent an initial letter, I request proof of this notification sent by certified mail, as required by law. This inaccurate reporting has significantly harmed my credit profile, impacting my financial standing. I expect this serious violation to be rectified immediately to ensure compliance with federal law.
Product: Mortgage

Banks, Such As Chase And   XXXX   XXXX   Charge Fees For Using A CheckCard, Commonly Known Today As The Debit Card, When A Consumer Pays Their Mortgage, And Charged Me For 2 Decades, Until I Paid My Mortgage Off. The Fees Were From About  XXXX - XXXX - Through To About  XXXX .
The Federal Banking Institution Does Not Charge For Checks, And The CheckCard Was Guaranteed And Introduced As An Automated Check, With Promise Of No Fee, And Benefitted The Payer Who Received Immediate Funds, No Differently Then The Process That Introduced Handwritten Check, As Fee Free.
Having My Original Checkcard, In A Significant Place Of Upper Right Corner It Says Check Card And In Smaller Words, Lower Left, It States Debit Card ... .For Accounting Purposes, It Debits Your Checking Account
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last 6 years I have disputed 8 public records on my credit report that have pretty much destroyed my ability to obtain credit from any creditor using Experian. I have been denied credit over 10 times. I have made Experian aware that I was a victim of identity theft, provided police reports and notes of my own research as well as I sent proof and documentation from the other bureaus that did verification and removed the inaccurate information. In the past I have requested the method of verification used to verify the accounts and never received it. I called the Bankruptcy courts and was told that they do not report bankruptcies and that the information I provided could not be found in their system. I also contacted agencies that such as XXXX which is used for verification purposes and was not able to verify the information on my credit report. I have mailed another request for investigation Experian onXX/XX/2018
Product: Credit reporting or other personal consumer reports

There was an inquiry into my credit from Synchrony Bank on XX/XX/year> which I do not consent to or recognize. I asked Synchrony Bank to please remove it and they didn't do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My long standing credit card account with Capital One was closed on XX/XX/2020. I called immediately upon receipt of the email notifying me of the cancellation. I called to ask them to reopen it, but they wouldn't. I am simplifying my finances and moving everything to capitol one, but this prevents me from doing so. I tried to reapply for the same card, but was denied. I'm a customer of 8 years, have more than 10k with them, and they won't reconsider their decision. Right now, I have 3 accounts I just setup to auto pay to my credit card, but it won't work because they closed it. I was not notified ahead of time about the account closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$4700.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Account charged off. {$3500.00} written off. {$4300.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$4400.00} XXXX Account charged off. {$4400.00} written off. {$4400.00} past due as of XXXX XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$14000.00} XXXX Account charged off. {$14000.00} written off. {$14000.00} past due as of XXXX XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$6600.00} XXXX Account charged off. {$6600.00} written off. {$6600.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Collection account. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4900.00} Status Collection account. {$4900.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3200.00} Status Collection account. {$3200.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$4300.00} XXXX XXXX account. {$43.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a kohls card that is now closed which was agreed on a buyout and I recently was on my XXXX XXXX and noticed it saying it was closed and is possibly building $ unsure what exactly going on there since it was all paid up however it was all agreed upon with a one time fee which I had paid and all was gon na come off my account. For some odd reason it is still showing on my credit parts from XXXX. I just want it settled and updated for XXXX that I do not owe anything since It was settled between myself and customer service.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX Account Number XXXX opened XX/XX/XXXX, XXXX XXXX XXXX Account Number XXXX Opened XX/XX/XXXX, XXXX XXXX Account # XXXX Opened XX/XX/XXXX, XXXX XXXX Account # XXXX Opened XX/XX/XXXX, XXXX XXXX XXXX Account # XXXX opened XX/XX/XXXX All this account s not mine it is opend by somebody who stole my identity and used to get cards and loans. I dont have contract with this Agencies they did not provide me with original contract as i requested. In accordance with Fair Credit Reporting act Convergent Accounts Has violated my Rights. 15 U.S.C 1681 section 602 A. States i have the rights to privacy. 15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a accounts without my written instructions.
Product: Credit reporting or other personal consumer reports

Regarding ACCT # ending in XXXX : In accordance with the fair credit reporting act this creditor ( XXXX ) has violated my rights Under 15usc1681 section 602. This states I have the rights to privacy. 15USC1681 Section 604A section 2 also states a consumer reporting agency can not furnish an account without my written information. Under 15USC1666B a creditor May not treat a payment on a credit card account under an open end consumer plan as late for any purpose. 15USC1681b ( 2 ) States that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

Other major violations CHASE Card Services has made according to 15USC1681 : ( 2 ) Disclosure to consumer : ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 

In closing, I demand any and all illegal negative reporting by XXXX to be removed from my credit report immediately. I have not given my consent in writing for such reporting to be made.