23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have had my student loan payments set on direct withdrawl since XX/XX/XXXX. Payments have been being deducted from my account every month since then.On my bank statement the descriptions for the payments are " Direct Withdrawl, Deparment Education Student Ln. '' Nelnet has been trying to contact me for months. They would call and leave vague messages " Hello this is XXXX from Nelnet please give us a call back at .... '' Knowing I was making payments via auto deduct and noticing it comes out of my bank account I never thought anything of it. Finally I awnsered and they told me my account was past due and to make a payment. I got on the phone with customer service and they had me check and see if I had any other loans and if another loan servicer who may be getting the payments. Went on the department of education website and verified that my only loan servicer is NelNet. For the past 6 months ive been going back and forth with NelNet giving them every piece of information I can give them to try and reslove this issue. They seem to believe the mistake is on myend somehow. Ive given them my bank statments, banking info, and transaction ID # 's trying to track where the money is going, I believe I have undeniable proof that it is some error in thier system. 
1. ) Last payment recieved by NelNet from me ( according to them ) is on XX/XX/XXXX. On my bank statement for this transaction it says Direct Withdrawl, Department Education Student Ln.  Same as all the other payments that they " arent '' receiving. 

2. ) Even to this day if I call the NelNet customer service line the voice prompt will do an account overview while youre on hold and the voice promt will say " We recieved your last payment of {$100.00} on XX/XX/XXXX '' But on NelNets website and according to everyone ive spoken to on the phone they say my last payment was on XX/XX/XXXX. 

3. ) When logged in to the NelNet website I can click " Payment Profiles '' once I click payment profiles my checking account pops up and below that it says " Manage Auto Debit '' Not knowing if that popsup for everyone I asked someone in NelNet customer servie to see if this was a standard icon and he verified that it should only say that for people enrolled in auto debit but he also said im not enrolled so why would it says manage auto debit on my end if I wasnt enrolled? 

I dont see how so many things arent adding up on thier end and they keep making me try and prove myself when they have so many red flags within thier system. Ive shared all this infromation with customer service at Nelnet and they have forwarded to other departments trying to solve this issue and ive given them all the infromation I can give them and this issue and it hasnt been resolved for over 6 months. During this whole debacle theyve been reporting me to the credit bureau and it has tanked my credit score. I got married in XX/XX/XXXX and my wife and myself wanted to start house hunting and havent been able to because my credit score tanked bacause of this and im not getting anywhere after months and months of back and forth with Nelnet. Please help I dont know what other action to take. Thank You.
Product: Checking or savings account

In XXXX, spoke to XXXX at Wells Fargo in order to close Portfolio Line Statement Account. XXXX said I had to write a letter and send it to : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Nevada XXXX. In the meantime, I paid {$25.00} annual fee. I never sent the letter. 

XX/XX/XXXX I asked my daughter to call Wells Fargo for me because I received another statement where I had to pay {$25.00}. My daughter was told there was a {$12000.00} collateral on this account and that is why a letter had to be written. The gentleman said not to pay the {$25.00} because Wells Fargo would take {$25.00} from the refund I was due. 

XX/XX/XXXX. Spoke to XXXX and then XXXX, supervisor. They provided fax number ( XXXX ) to send letter. XXXX said it would take two months to receive refunds because this money was in stocks and bonds. XXXX explained this was a Tier Line of Credit, a secured Portfolio line initiated in XXXX. XXXX said she did not have a call back number. XXXX said she would send us a copy of the original contract initiating this account to us. Letter was faxed to Wells Fargo requesting account be closed along with death certificate of my spouse and call back numbers for me and my daughter. 

XX/XX/XXXX Spoke to XXXX requesting confirmation fax was received. XXXX said we would receive letter in the mail confirming request to close account. 

XX/XX/XXXX We have not received copy of contract or confirmation requesting to close account. Called Wells Fargo at XXXX. Spoke to XXXX who said account was closed on XX/XX/XXXX. XXXX said there was no collateral on this account. After we told her she was the first person to tell us that she corrected herself and transferred us to XXXX in Premier Accounting. XXXX could not find the account number and said it did not exist. XXXX apologized and said she was the wrong department and transferred us to XXXX. Once we identified ourselves, the call dropped and they did not call us back.
Product: Credit reporting or other personal consumer reports

Hello there, A little back story, I opened my XXXX XXXX credit card sometime in XXXX of this year and I was told that my statement closing was the on the XXXX or XXXX of every month depending on how long the month was. 
On XX/XX/2023 XXXX reported my balance of {$510.00} before my statement date for the month which was the XXXX of XX/XX/2023 and later corrected it the reduced balance ( never reached out to the bureaus ). Normally I pay down my balance before my statement hits ( I have XXXX credit card and this is what I do for everyone of them and have had no issues with them ), I got notifications from XXXX XXXX, XXXX and XXXX that I had a high balance on my paypal. I immediately contacted paypal, told them about this and they apologized and promised to fix this issue. Its been over 60 days and this issue was never fixed on XXXX and XXXX. I lost XXXX points on XXXX and XXXX but XXXX fixed the issue the very next day. Every time I contact paypal about this issue its been one excuse or the other and not one person has been helpful, not even the manager or supervisors I have spoken to. In fact, the customer service has been really bad as Ive had PayPal CSR shout on me and place me on endless holds. 
Today XX/XX/2023 they did the exact same thing which took a huge toll on my credit scores on all bureaus except XXXX because it hasnt reported it yet but, Im sure thered be a ding on it as well. I am financially very responsible and do my very best to make sure my credit scores are excellent on every credit bureau, vantage and Fico models. Its just really frustrating and annoying when an organization is choosing to sabotage my hard work and at this point I dont know what to do. 
Id really appreciate it if something can be done about this since PayPal is completely incompetent and has refused to do their job. My fico and Vantage scores are a mess right now thanks to them. Id like for all the points I lost to be replaced to my scores. 
Ive also attached a bunch of pictures and documents showing proof of everything I talked about, thank you so much for your help and I look forward to hearing from someone on the team Thanks, XXXX XXXX
Product: Credit card

I've always ensured this account 's payments were made on time, never allowing them to be late. I am unclear about the late payment remarks on my accounts. According to 15 USC 1666b, this billing error should be addressed.
Product: Mortgage

In XXXX, I gave XXXX XXXX, loan officer for M & T bank consent to pull my credit report for a mortgage pre-qualification. 

On XX/XX/XXXX XXXX XXXX, loan officer for M & T bank out of their XXXX office pulled my credit report without my consent. She has confirmed this through email. I was hoping to restart the home buying process by starting with a timeline around mortgage applications. I specifically wanted to know how long my mortgage pre qualification would stand and time my research around mortgage offers correctly so as to do minimal damage to my credit score.
Product: Debt collection

I learned about my debit when I was denied for a car loan. I had a perfect XXXX score and to my surprise, I discovered I had a XXXX and did not know why. After pulling my credit report it I found that I had a debt against me of over {$700.00} from XXXX. All I could find was the name Sequium Asset Solutions. I spent the next 3 days calling, emailing and leaving voicemails. I never received a return call. On the 4th day, I was able to speak with one of the rudest people I have ever spoken with. I was unable to provide any reference number as I had never received a single letter, email, or phone call notifying me of the debt. I was finally able to get the woman to pull up my information and they had an address that I hadn't lived at in 10 years. The woman continued to be rude and kept asking how I planned to pay for the debt. It appeared to be from an account I opened when I was XXXX, but that my parents had closed and might have not paid the bill. I don't have any proof of the debt or any paperwork on my rights or how to pay it, but yet they keep increasing the cost even though I was never notified. I learned of the debit on XX/XX/18 and set emails the XXXX, XXXX, XXXX. I also called all 3 days before finally reaching someone.
Product: Student loan

I have tried over 6 times to get my loan re certified for the income based repayment plan. When I finally did get my loans into the repayment plan I have a monthly bill of {$120.00}. I've told Navient numerous times that I cant afford a monthly bill. My income is the only income available to pay bills. I'm paying rent, car insurance, water bill, electric bill and oil heat bill. On top of the bills I also have to pay for groceries. I'm struggling and I need proper assistance. Navient isnt answering my phone calls, returning my phone calls or responding to my emails. What navient does do is send me harassing emails. I'm sick and tired of Navient playing around with my livelihood. I cant afford for my paycheck to get garnished. I need help and I'm not getting any.
Product: Mortgage

XXXX XXXX  sold our loan to Freedom Mortgage in XX/XX/XXXX. Back in XX/XX/XXXX XXXX offered us assistance to pay that month ( repayment plan ) in the amount of XXXX in 6 consecutive months between XXXX XXXX XX/XX/XXXX. Which we have done without a miss. The amount included XXXX regular monthly payment plus XXXX. Since the transfer in XXXX, we have continued paying the agreed repayment plan now to Freedom Mortgage. However, Freedom Mortgage has been holding every XXXX payment we have made to them and even to Roundpoint placing it in suspense account according to the Loss Mitigations Department at Freedom Mortgage. Therefore, making our account delinquent an entire month. Each payment we've made to Freedom the reps state that the payment will be accepted to pay the previous month. When asked why they are holding our money/ payment they state different answers including its not a full payment or simply that they don't know. We have sent Freedom Mortgage the XX/XX/XXXX repayment agreement paperwork from XXXX and even bank statement spending hours, days and months trying to seek help without any resolution. We express our concerns including all of this leading up to negative reports to the bureaus, NOTHING ; also, if there is any particular department / manager whom we could speak to, but they all state we are assigned to Loss Mitigation, and they send the information to some unknown department. Last person from Freedom I spoke to on XX/XX/XXXX, named XXXX # XXXX, said he was building my case to inform the XXXX XXXX. As of today, and within the last almost three months now, nothing has been resolved. Over the past months the communication of their findings is that we owe for a previous month nothing about our money, for XXXX, that they are holding on to that is supposed to repay agreement between XXXX and us. All payments have been made in full. They are going against the agreement as it was transferred to them and keeping our money.
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan was paid off in full and the account was satisfied as agreed, please remove the error from my credit report ASAP..Please change this, fix the account please XXXX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX Balance : {$0.00} CAVALRY PORT XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$1200.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Debt collection

I'm on XXXX with XXXX  XXXX and XXXX XXXX for low income. 
SCA collections {$1500.00} XXXX XXXX XXXX XXXX # XXXX I don't owe anything XXXX XXXX XXXX XXXX 
{$350.00} XXXX XXXX, XXXX  XXXX # XXXX
Product: Payday loan, title loan, or personal loan

I had a loan with Ally lending I wished to pay off. I called to inquire about a pay off amt to which refused to give me. I told the financial person at my credit union so she attempted to get the pay off amt, only to be refused. She then calculated a pay off amt from a monthly statement and sent that to Ally lending. Ally confirmed receipt of the pay off, but claimed I still owed them {$380.00}. I called Ally and told them I did not owe them any money because they refused to give both me and the lady from the XXXX XXXX a true pay off amt. Ally then continued to send me monthly statements for the amt but was adding on all sorts of charges. They also sent this to a collection agency. This it in a very abbreviated statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS LISTE ON THE FTC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Settle FTC Charges that XXXX XXXX XXXX XXXX XXXX Ad Was Deceptive The Fair Credit Billing Act is a federal law enacted to protect consumers from unfair billing practices, such as unauthorized charges, charges for unaccepted or undelivered goods and services and other disputed charges. ... The law applies to revolving charge accounts and open-end credit accounts, such as credit cards. 

As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) As a public service, the staff of the Federal Trade Commission ( FTC ) has  prepared the following complete text of the Fair Debt Collection Practices Act 1692-1692p.

Please note that the format of the text differs in minor ways from the U.S. Code and Wests U.S. Code Annotated. For example, this version uses FDCPA section numbers in the headings. In addition, the relevant U.S. Code citation is included with each section heading. Although the staff has made every effort to transcribe the statutory material accurately, this compendium is intended as a convenience for the public and not a substitute for the text in the U.S. Code.
Product: Credit card or prepaid card

On XX/XX/XXXX, I started receiving fraudulent charges from XXXX in the amount of {$14.00}. I immediately disputed the charge with Citi. I paid the remainder of my bill in full. On XXXX XXXX, I received a credit in the amount of {$14.00} for the dispute. On XX/XX/XXXX another fraudulent charge was made from XXXX in the amount of {$14.00}. I again disputed the charge and had the credit card number changed. On XXXX Citi reversed the XXXX credit and charged me {$14.00} and interest for balance. I again disputed the charge. On XXXX, Citi charged me a {$15.00} late fee and more interest for the balance. I again called and disputed the charge. On XXXX Citi credited me {$14.00} for one disputed item and {$1.00} for a minimum charge credit and assessed late fee and interest of {$15.00} on XXXX. On XXXX Citi again assessed me late fees and interest in the amount of {$15.00}. 

I have made 15 telephone calls to Citi attempting to resolve this issue. The entire issue stems from fraudulent charges to my account from XXXX. I have been assured numerous times by Citi representatives that I am not responsible for the fraudulent charges, but fees and interest continue to accrue.
Product: Bank account or service

On or around XXXX/XXXX/14 XXXX XXXX XXXX. sent me my last dispursement check from my Escrow Disbursement account, to finish my repairs on my house from Hurricane XXXX. I NEVER RECEIVED THE CHECK. I called XXXX three times on or around XXXX/XXXX/14 - XXXX/XXXX/14. first time I asked when the check was coming, they said give it more time it is in transit. Second time I called them I told them I did not recieve my check and they should stop payment. Their response was " give it more time ''. Third time I called them, I told them I still have not received the check and for them to definitely stop payment. Their response was, the check has been cashed and that I needed to go to XXXX XXXX XXXX and request a fraudulent claim form. I told them that it was their job, being that the check was not from my account. ALL OF THIS IS ON THEIR PHONE RECORDINGS OF ALL OUR CONVERSATIONS. I asked that they send me a copy of the check, it took XXXX approximately eight months plus numerous phone calls, to get me a copy of the cashed check. Their explanation of the delay was that they were transferring their insurance loss department to a new location in Texas and all paper work was in transit. Finally, I received a copy of the cashed check and as you can see my signature is not present and nor did I give any authorization to cash this check. I filled out the necessary paperwork to the best of my ability to get this matter resolved, which I will attach. All three banks refuse to take responsibility. 
I believe Capital One is at fault mostly for not following proper procedures and taking and opening an account with an improperly endorsed check. 
XXXX XXXX XXXX also did not follow proper banking procedures because they did not check the endorsements and released the funds anyway to Capital One. 
XXXX is also at fault for not stopping payment when requested and simply not taking any responsibility or helping to resolve this situation in a timely manner.
Product: Debt collection

I Recently found out the I had a credit card the was received in my name, THAT I HAD NOT APPLIED FOR. So I reported to Bank of America ( XX/XX/2019 ) as fraud/Identity theft and they proceeded to take the steps necessary for the action. But about a month later I was told that the case was closed and that I was still responsible for the payment due, because someone had already made payments on the payment amount ( NOT BY ME ). So I've recently just learned that it is required of the business to send proof of documentation of the original form that was supposedly filled out by " Me ''.
Product: Student loan

I paid of in Full my Student Loan through the XXXX Website on XX/XX/XXXX using their " Payoff Calculator '' On XX/XX/XXXX they debited my bank account the full amount of my regular student loan. When I called, I pointed out that I paid it off in full and was still debited on XX/XX/XXXX. Furthermore, the website showed the - {$130.00} balance and also stated I was still in " REPAYMENT '', even though other loans clearly said " PAID IN FULL ''. They would not immediately refund what they took from my bank account without permission ( They no longer had permission because I PAID IN FULL ). And would not give me a date of when I could expect my money back. Nor could they change the status to PAID IN FULL. Paying off my loan should not entitle them to continuously debit my bank account! And if a company provides a payoff calculator, and the customer uses it to pay off the loan, then their should n't be any need for the customer to ever call back in.
Product: Credit reporting or other personal consumer reports

XXXX has run soft credit pulls on my credit without my permission and have allowed other soft pulls that I did not authorize. 

XXXX has XXXX credit matches for credit promotion on my report. 
Capital One XXXX. 
Capital One XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My experian account is locked. You phone support has a bot which refuses to transfer me to a human for login issues. As a workaround, I tried getting to a human by saying I have a dispute, but the agent says he can't help me with login issues and referred me back to the bot. I tried solving the issue via web self serve with no luck and I'm unable to reach a human. This seems like an intentional design choice on your end. Can someone contact me to help me resolve this please?
Product: Debt collection

I was denied a rental property because apartment complex ( XXXX XXXX XXXX ) is saying i owe {$4900.00} for charges that i have no knowleged of. I talked to someone at the complex and I was told that i didnt have a balance so I went an picked up a copy of the ledger showing I didn't owe a balance. I asked if they could remove it from my credit report and they refused saying that they looked a little deeper and found that i did in fact have a balance of {$4900.00} for a list of things i have no clue about. On my credit report it shows i owe a company called Hwarfield, and i have never did business with them before. I called them and asked them to explain the charges and they had a hard time doing so. I then asked if they could remove the inaccurate information from my credit report and they refused
Product: Credit reporting or other personal consumer reports

XXXX 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. 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. Lastly, 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 want XXXX to remove items that are not mine due to identity theft. I made a report XXXX with the federal trade commission. XXXX is not removing the items. Accounts to remove 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, and I want all of my inquires removed due to identity theft.