23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Nelnet is splitting my overpayment 50/50 between two loans so they can collect more in interest over the longterm instead of applying my overpay 100 % toward the loan that is stated in my " Special Overpay Instructions '', I made this change several weeks ago but still they decided to split my overpay 50/50 On top of they are hiding behind " unprecedented volume '' as an excuse to not provide reasonable response times. Absolutely ridiculous considering they had several months to prepare for loans entering repayment this month. 

It's a complete joke that the federal government protects their contractors and their disgusting profiteering antics instead of protecting individuals who can't afford millions of dollars in lobbyist money to influence the government like your contractors can
Product: Checking or savings account

Since XX/XX/2023 fradulent charges have been made against my checking account on a monthly basis. I do not recognize, or have any relationship with, the company described on these charges. I tried calling the number provided on the transaction only to find it is a fraudulent operation as they attempt to get personal information, refuse to identify who they are, and hang up when questioned. Here is the information provided on the transactions : XXXX  XXXX XXXX Location : XXXX XXXX XXXXXXXX Having no other recourse I repeatedly contacted my bank ( on or about XX/XX/2023, XX/XX/2023, and XX/XX/2023 ) to dispute the charges and stop payment on any future transactions from the company. Each time I called the bank i was given credit for the charges and assured that future charges would be stopped. However, the recurring charges continue ( most recently on XX/XX/2023 ). Here is my bank information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX I called today and am being told that they can not stop payment on future transactions by this company. It seems my only option is to go through the difficult process of closing my account and opening a new one.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XX/XX/XXXXof Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting or other personal consumer reports

Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that XXXX, XXXX, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXX Ct Apt XXXX, XXXX XXXX, GA, XXXX XXXX  XX/XX/year> XXXX XXXX XXXX, 2023
Product: Mortgage

Previous Mortgage Company : United Wholesale Mortgage ( UMW ) As of XX/XX/XXXX, UMW adjusted my mortgage payment from {$3400.00} to {$2900.00} stating we were overpaying into our escrow account. They sent us a check on in XX/XX/XXXXXXXX  for the amount of {$10000.00} stating we are due the amount because escrow overage. I'm unsure of how they conduct their year escrow analysis projection and when they received the property tax notice, but for the periods of XX/XX/XXXXXXXX  - XX/XX/XXXXXXXX  my property tax went up from {$2200.00} to {$720000.00}. Due to the drastic change in property value our escrow should've went up. However UMW did not notified us of the changes or that escrow account was in the negative. Appearently they were paying the difference on our behalf instead of notifying us and readjusting our mortgage to reflect new property value amount. Concurrently in XX/XX/XXXX, they sold our mortgage loan to XXXX XXXX XXXX XXXX. They even sold our mortgage to the new company with a a negative short escrow account. 

Current Mortgage Company : XXXX XXXX XXXX XXXX  XX/XX/XXXX, the new mortgage company XXXX XXXX XXXX XXXX  notified us about the changes to our mortgage payment from {$2900.00} to {$4100.00}. Stating it was due to our negative escrow shortage of {$3500.00}. On top of the escrow shortage, I have to pay the new projected escrow amount of {$8400.00}. In doing so, my mortgage went up by {$1100.00}. Upon talking to the representative from XXXX XXXX XXXX XXXX  that when I realized what happened to my mortgage and escrow account with UMW. 

After contacting XXXX XXXX XXXX XXXX, I contact UMW to get a copy of our escrow transactions and review my previous mortgage statements. I now see when these negative balance have occur but when were they going to notified me of these changes. It was not until a year later with new mortgage I was notified of the negative escrow balance and changes.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.15 USC 1681Section , 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. In addition, 15 USC 1681 s-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 in accurate.
Product: Credit reporting or other personal consumer reports

I called Citibank regarding the hard inquiry on my account which I am not familiar with. They said I have to contact the credit Bureaus so that they can further assist me. I tried to obtain information from the account that was tried to be open and they refused to give me any information. Ive been contacting experian, XXXX and XXXX the whole month of XXXX and XXXX and experian were able to help me. XXXX is giving me an extreme hard time to remove any inquiries from my credit report although I keep emphasizing I am not familiar with the inquiry what so ever. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please assist me in getting these inaccurate items and reporting removed from my credit file. 

Incorrect Personal Information : Incorrect last name on XXXX   XXXX XXXX XXXX ( Equifax ) Incorrect Address : XXXX XXXX XXXX ( XXXX and Equifax ) Incorrect Address : XXXX XXXX XXXX XXXX ( XXXX and XXXX ) Incorrect Address : XXXX XXXX Ct ( XXXX and XXXX ) Incorrect Address : XXXX XXXX XXXX XXXX ( Equifax ) Accounts Reporting either in error or as a result of identity theft : XXXX ( XXXX ) - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX ) ; Balance : {$500.00} XXXX  ( XXXX XXXX ) - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Equifax ) ; Balance : XXXX Please remove unauthorized Inquiries : XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) EQUIFAX XXXX ( 3 TIMES ) XXXX ( 3 TIMES ) XXXX XXXX  ( 6 TIMES ) XXXX ( 9 TIMES )
Product: Mortgage

BSI financial keeps increasing my escrow payments each year stating that they shorted my escrow account. I never receive a detailed escrow report before the increase with the options to settle the account. This is the second year in a row that my mortgage has gone up and now im paying double what i started when I bought the house. I know this company has settled lawsuits in the past for similar issues with clients. I can not afford to have my escrow payment increased by hundreds of dollars every year. I did not get a choice on who buys out my mortgage. I have never had my escrow shorted as much as this company has and ive been a homeowner since XXXX. I would like to have my mortgage switched to a different company who will actually sent a detailed escrow statement each year like they are supposed to so that I dont have surprises every year. its hard to make a budget when they are not consistent. My current account says im XXXX short but there is no where to indicate that Im the XXXX short they are claiming.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing frustration and disappointment with the unresolved issues regarding the late opening of accounts and the presence of late closures and charge-offs on my records, despite multiple attempts to rectify them. 

The late opening of accounts has not only inconvenienced me but has also affected my financial standing and opportunities. Furthermore, the presence of late closures and charge-offs inaccurately reflects on my creditworthiness and financial responsibility, potentially impacting my ability to access essential services and opportunities in the future. 

I expect a prompt response to this complaint, acknowledging receipt and providing a clear timeline for resolution. Additionally, I request regular updates on the progress until the matter is fully resolved. With this, I am asking for your assistance to remove or correct these accounts in my credit file : 1. XXXX XXXX XXXX Balance Owed : {$0.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be corrected. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

XXXX. XXXX XXXX XXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX. XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 

XXXX. XXXX XXXX XXXXXXXX Balance Owed : {$710.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 

XXXX XXXX XXXX XXXXXXXX Balance Owed : {$79.00} The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - This account was showing an inaccurate payment history and payment status. A charge-off should show a XXXX balance. This inaccurate information continues to do harm to my credit. Please provide proof of the last payment. Otherwise, remove this from my file.
Product: Credit card or prepaid card

To Whom It May Concern : I recently ( within the past two weeks ) signed up for a credit card with Union Bank XXXX XXXX and received the card Thursday, XX/XX/2022. In the paperwork that was sent to me with the card, the Summary of Credit Terms states in large font and in bold a " 0.00 % Introductory APR for the first 15 moths that your account is open '' under " Annual Percentage Rate ( APR ) for Purchases. Additionally, this Summary of Credit Terms states ( in bold ) a " 0.00 % Introductory APR for the first 15 moths that your account is open '' under " APR for Balance Transfers ''. Nowhere on the form does it say that using the card for a purchase after doing a balance transfer will nullify both 0.00 % promotional offers. 

Yesterday ( XXXX XXXX ), I called in to do a balance transfer and transferred {$2800.00} from my XXXX credit card, although I would have preferred to do it via paper or online form but was not able to do so on the Union Bank website ( https : XXXX ). I repeatedly had difficulty understanding the Union Bank employee 's speech and repeatedly made this clear ( our conversation was in English, and I speak fluent English as a first language ), and I did not hear any new warnings that ( despite not mentioning it the Summary of Credit Terms issued to me this week ) that if I use the credit card for a purchase after doing a balance transfer that I would be liable for a 9.99 % interest rate for not only the balance transfer but also all new purchases. I would not have realized it until today ( XX/XX/XXXX ) when I called in to transfer {$4000.00} from my other credit card and was clearly told the terms, which I feel are unfair and so I declined to transfer the additional balance. I spoke with two Union Bank representatives today ( XX/XX/XXXX ) and clearly expressed that I felt I had been misled and that I do NOT agree to paying this bank interest in the first month when the Summary of Credit Terms clearly states that the APR for both purchases and balance transfers are 0.00 % for the first 15 months that my account is open. I was told that I could file a complaint with the company but there is nothing else they or I could do, and now I have to wait 10 business days to hear back from them. Again, this is false advertising at the very least, and completely predatory behavior in my view as a consumer. 

Any help with this issue would be appreciated, I am more than happy to provide a copy of the Summary of Credit Terms that I refer to, please see attached. 

Best Regards, XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX Master Card 2021 Barclays Bank Delaware XXXX XXXX XXXX XXXX, DE XXXX Re : Notice of unauthorized charges to Account No. ending in XXXX Billing Inquiries Division : I am writing to dispute a total unauthorized charge in the total amount of {$1100.00} to my XXXX XXXX XXXX  Master Card account between XX/XX/XXXX and XX/XX/2021. 

During my visit to XXXX, XXXX, my credit card was lost and as result, 8 unauthorized charges were made in the account. On XX/XX/XXXX, after receiving an email alert from Barclays fraud department, I realized the credit card was not in my possession, I logged into my account and could confirmed with the bank that several unauthorized charges have been made in my credit card account. 

On XX/XX/XXXX on the day of my return to the United States, I logged back into my account and realized all fraudulent charges were posted back as mine, I decided to contacted the fraud department and I was informed that Case # xxxx have been closed without any further explanation, then, I was transferred to a Fraud Specialist call XXXX in XXXX, who explained to me that I would have to proof I did not made those fraudulent charges since charges were made while I was still in XXXX. 

On Monday XX/XX/XXXX, I decided to call back and spoke with XXXX, another fraud specialist in XXXX, who assured to me everything was right and all fraudulent charges would be removed from my account during the next XXXX charging cycles while the investigation was in process, which have being completely inaccurate since all fraudulent charges remain in my account as XX/XX/2021. 

Since XX/XX/2021, I had spent several hours trying to get in contact with their fraud department for further explanation to no avail, I had been put on hold several times for hours, waiting to speak to XXXX XXXX XXXX Mastercard fraud department without success. 

As consequence, the fraudulent charges continue to be posted in my account and the dispute amount reflected in the total balance, high interest continue to be accrued, affecting my credit score and my peace of mind. In addition, after many attempts, I havent been able to communicate with any fraud specialist to explain to me what is the reason of the arbitrating decision of closing a fraudulent case and forcing unauthorized charges into my account. 

This is a clear violation of my rights as consumer and violated The United States Federal Consumer Financial laws, in addition, using false benefits as {$0.00} fraud protection benefit offered in your promotional material to acquire new customers, it constitutes use of deceptive and false advertising to misleading them into purchasing your service.
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 XX/XX/2020 # XXXX XXXX XXXX XXXX XX/XX/2020 # XXXX XXXX XXXX XXXX XX/XX/2020 # XXXX 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 ( AX ( 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. 

I have sent multiple disputes regarding these accounts that have ALL come back Verified Accurate/Complete, but when I sent my last dispute of accuracy and completeness of reporting, I included documents from XXXX, equifax and XXXX which show different information being reported, I was prompted with an Updated Credit report that is STILL INCOMPLETE and/or INACCURATE. there should not need to be information added/updated if an account is being reported to its completeness with 100 % Accuracy. 

These fraudulent reports have adversely affected my creditworthiness to competitors, therefore I request immediate removal of the following incomplete/inaccurate accounts from my credit report : XXXX XXXX XX/XX/2020 # XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrectly a collection in the amount of {$450.00} on XXXX partial account number XXXX. ( Please see page 15 of the attached credit report. ) This account does not belong to me and was opened fraudulently. I do not, now or in the past, have ever had a XXXX account. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I do not owe this. I have contacted the bureau to remove this item however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX and XXXX and XXXX and XXXX are the same two loans on my credit report a total of 4 times instead of two. HOW MANY XXXX YEARS IS TRANSUNION GOING TO REPORT THIS INFORMATION, 22 Years later from the original date and every time someone updates that date it starts all over, the law states it has to come off my report 7 years from the original date you XXXX! Transunion is over those 7 years by 16 years, and I want those loans off my credit report immediately. For 22 Years it has said XXXX XXXX XXXX, not different companies, 22 XXXX  XXXX years! TAKE THESE LOANS OFF MY CREDIT REPORT NOW OR I WILL HOLD TRANSUNION AND CFPB RESPONSIBLE, I HAVE HAD IT WITH EVERYONE. I will file a law suit if you do not fix this immediately, you have XXXX with the wrong person both of you for 22 years now. CFPB you XXXX at your job and Transunion I hope someone throws your XXXX  XXXX XXXX in jail. You all have been warned, the next step is a suit against Transunion and CFPB. I have asked for this to be corrected for the final time. I promise you that you will all XXXX XXXX XXXX XXXX up in the biggest XXXX XXXXXXXX way ever!
Product: Payday loan, title loan, personal loan, or advance loan

There is a total of 6 loans, I used each loan to payoff the new loan and the loan amount are small, not execeeding XXXX XXXX. I can provide full documentation on all these loans upon request. 

Called the company and requested the payoff amount, they responsed XXXX with one amount and then when I called and asked again about the payoff on XXXX they responed with a different payoff amount. 

XXXX - XXXX XXXX - XXXX These amounts do not match. In addition they told me that they could charge interest outside the loan payments which was a bit confusing to me as this is not what I agreed too in my documentation. 

The information given did not match what I had originally agreed too, they are asking for excessive payments outside the payment schedule of the loan.
Product: Mortgage

I have spend more that 2 years trying to get this company to correct the payments from this company. I have made all payments on time and before date I have certified mail so that all payments make it to the door before the first of each month of XXXX. I have a certified funds, so I know no payments have been returned. Shell port has been extremely lacking being professional as far as I know XXXX or XXXX or they are holding currently three payments, and then still stating that the loan is in default or delinquent this information is incorrect. I need it corrected. XXXX reported to the credit bureau correctly. this is poor customer service.
Product: Mortgage

In XX/XX/XXXX I took out a loan with XXXX XXXX. They filed Bankruptcy in XX/XX/XXXX. They apparently sold my loan to XXXX. Now I have been making payments to XXXX XXXX XXXX, XXXX. claiming to act as a Trustee for the XXXX XXXX XXXX XXXX XXXX in Delaware. ( I attach evidence ). Per RESPA, etc., this is a Qualified Written Request ( QWR ) and I would like them to send me an updated statement of all payments made to and received by them to date, as well as any and all information regarding any and all accounts open under my name.