23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

They keep calling and they do not state that they are a debt collector in their messages that they leave on my voicemail machine I have a recorded voicemail from them they also leave the account number on there in the voicemail without even verify that I am the person that they are seeking they keep calling at ungodly hours and not claiming to be a debt collector
Product: Student loan

These loans are fraudulent, for Nelnet failed to do a thorough investigation. The original loan servicer was well aware of the fraud involved in my paying scammers posing as debt relief companies. I raised an issue with The Department of Education, whom never did anything to protect my interests. I paid scammers whom also called and spoke to representatives of the original loan servicer. I am not request verification of this debt, I am simply requesting that you do a thorough investigation to see if the scammers whom i paid for over 1 year to aid in paying off these student loans that are now deemed fraudulent. I have included copies of the identity theft report, the police report filled with the local PD. I have also attached copies of verification documents for my identity. Please delete all Nelnet and Department of Education loans from my personal credit report. My personal affairs are my business. The only student loans that I am aware were consolidated for a reason. Nelnet somehow reversed the consolidation and assigned individual interest rates per loan that they allege that i owe them. Where is the contract created between your company and the original creditor/loan servicer? What are the terms in the agreement between all involved parties? I never gave authorization for Nelnet to access my personal and confidential information. How am i protected in the event of a data breach inside of Nelnet/DeptofEd? 

Disclosure Statement is attached, please sign and return. Failure to do so will result in termination of any further collection practices by Nelnet for these fraudulent and unverified student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed them on several occasions ( at least 5 times ) and the other major bureaus ( Equifax, ) that the only Name, Address, and Telephone # and Employer that should appear on my credit report is the following : address :
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$250.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Prepaid card

I applied for a Rush card and used a referral promo code at that time. I was approved, received the card, activated the card, and have now received XXXX qualifying direct deposits. 

I have fulfilled the terms to receive the referal bonus of {$20.00}. I have spent countless hours on the phone with rush card and am getting the run around.
Product: Credit card or prepaid card

My business was closed due to a ceiling collapse and I was unemployed for over half a year. During this time I struggled really bad in order to make my payments and didnt miss a single payment. Due to relying on my credit cards to help make ends meet, my balances became very high. I asked Chase bank if they could help me recover from this financial hardship and they continually say that account APRs are reviewed periodically. During this hardship, they increased my credit line; and have been reaping the benefits of exploiting my situation. I am paying over {$200.00} a month in INTEREST and am never going to make progress on lowering my balance if they are unwilling to assist me. When speaking with customer service, they refuse to connect me with anyone pertaining to my hardship or even to set up a payment plan with a temporary rate. Ive expressed that their actions are predatory and that I feel exploited. I would hate to assume that this pertains to race or anything of that nature, but I was taken aback by the complete and utter disregard for a loyal customer who CONTINUALLY makes timely payments for years. I have a perfect payment history on my credit profile and have also had a bank account with Chase for over 10 years.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, DE XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NJ XXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # [ Account Number ]. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with the requested information and update my credit report accordingly. I expect a response within the XXXX period allowed by law. 

Sincerely, XXXX XXXX
Product: Mortgage

Bank of America closed out a file that we were processing a short sale on with no explanation other than the investor denied the file. Now that we have received an offer on the home for the short sale on XXXX/XXXX/15. BofA has now closed it our again in the Equator system. The reason this time was because FHA/HUD denied the file which is not correct. XXXX the negotiator who was assigned to the file advised us that their was no reasoning as to why they wanted to close the file, so we contacted HUD directly and escalated the issue with them personal. I have spoke with XXXX at HUD informed us that they never denied the file at all and that he would have management review the information. Bank of America in little words is on HUD 's XXXX list as they are having several complaints about the way they service their loans. The new case # with HUD is XXXX. XXXX at HUD who has been the only person talking to about these issues, is really helpful to us in this situation at the moment. Usually when a investor denies a file for a certain reason, the negotiator person assigned to the account at the lenders will contact us to inform us. At that time we would take the appropriate actions to adjust or agree to their request so we could proceed with approval of the short sale of the home. We turned in our offer to Bank of America in time to the ATP ( approval to participate ) expiring. We also could of closed on this short sale of the home several times before if BofA would n't close this account out every time or would take so long to complete the modification requirements prior to proceeding with the short sale and or reviewing the file before the buyers walk. We have had XXXX buyers walk on this property because of the lengthy time and/or person assigned to work the account not working it or to even review the information or documents sent in. The BPO/Apprisal came back at $ XXXX and the offer we got is $ XXXX, which is a good offer to meet the BPO/Apprisal net. From my point of view they just want the property to go to foreclosure and not work with us or the sellers on short sale of their home. Bank of America never followed short sale protocol and/or the investor requirements or request. HUD/FHA is highly upset with BofA and is implementing new procedures for Bank of America to follow, which will hopefully help the situations in the future. HUD/FHA is constantly having their property closed out and go to foreclosure instead of helping the home owner like they are supposed to and or required to do. Please help in anyway possible ... THANK YOU!
Product: Credit reporting or other personal consumer reports

I was part of the XXXX XXXX breach and social Security data breach and a few others I have been informed about since then I have been trying to get things that should not be on my credit off especially third parties. I have no consent or contract with. I am the creditor also secured party. I have corrected my status. I have free faith and credit from United States America, the US corporation assumes no responsibility over my person. I also have no contract with XXXX, Experian, XXXX, XXXX  XXXXXXXX XXXX XXXX XXXX and other credit reporting services. According to the constitution.
Product: Debt collection

I co-signed on a  XXXX  educational loan for my ex-wife when we were still married. After our divorce, per our mutual agreement, she continued to make payments to Wells Fargo on that debt. I believe they had it set up as   XXXX   accounts. Around    XX/XX/XXXX   , due to a move she made and a   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , she fell behind on payments and did n't immediately realize her loans were past due. In   XX/XX/XXXX  , she was attempting to work with Wells Fargo to get the loans reinstated so she could bring the accounts to good standing. She did n't have any luck with that, despite her circumstances ( I believe they would only accept full payment ). I too was unable to make a full payment at that time. She later attempted to have the loans forgiven due to her   XXXX   and   XXXX   XXXX   and her inability to work, but they did not grant that request either, despite the statements on their website that mention forgiveness in those circumstances. My ex-wife  XXXX  last year in    XX/XX/XXXX   .
For my personal experience with this matter, I received no notification from Wells Fargo that the  XXXX  loan had been delinquent, sent to collections, or charged off until I saw a notation in my credit report and received a call from them in   XX/XX/XXXX  , ( and this was despite the fact that I had a different account with them, since they carried my mortgage at the time ). By the time I receive the very first notification of this matter when they called, they had already sent a negative notification on me to the credit reporting agencies, which negatively impacted my credit report and credit score. Because of it, I had a very difficult time getting a bank approval for a new home we purchased.
In   XX/XX/XXXX ,  I attempted to contact Wells Fargo by sending them a certified letter ( attached ) requesting that I would pay the outstanding balance in full, if they would agree to withdraw the negative report on my credit record. I received no acknowledgement from them regarding that letter. Since they made no attempt to contact me to avoid this situation in the beginning, and they made no attempt to resolve it after my offer, and the negative report was already out there, I had little incentive at that point to make any payments on this debt. ( Additional detail : Based on my credit report, it appears that the one account became delinquent in   XX/XX/XXXX  , sent to collections in   XX/XX/XXXX  , and charged off as of    XX/XX/XXXX   . The other shows delinquent as of    XX/XX/XXXX   , to collections as of   XX/XX/XXXX , and  charged off as of     XX/XX/XXXX . )  If I were financially able to take care of this debt now and make a total payment as they request, I would do so. But, because I am now a  XXXX  veteran (   XXXX   XXXX   XXXX   rating ) and I can not work, I do not have income from a job and my VA benefit must go towards living expenses.
( If needed, I also have a copy of a letter that my ex-wife had drafted back in   XX/XX/XXXX  , explaining how this situation arose and what she had done up to that point to try to resolve it. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has violated my rights stated in the fair credit reporting act 609 ( a ) ( 1 ) ( a ) and 611 by not providing original signed contract verifying  that certain accounts belong to me. I also disputed information regarding identity theft which constitutes immediate removal according to the fair credit reporting act 605 b regarding information resulting from identity theft. it has been over 60 days since I sent in my initial dispute with supporting documentation and TRANSUNION has not removed these fraudulent accounts.
Product: Debt collection

Reference : LANDLORD/PROPERTY MANAGER AGREEMENT Hello I wanted to see if something can be done about how XXXX confirm documents. I recently checked my credit report and saw a collection. I called the collection company and it was a XXXX XXXX  bill. I contacted XXXX Fraud department since I didn't create the debt. I was told by them that there was an agreement in place that the building owner would take over the electric bill if the tenant does not pay it. I told them I never signed any agreement with them to accept responsibility for electricity in my building. The alternative would be the electricity being disconnected until a new tenant rents the apartment. 

The problem is : XXXX Someone submitted documents in my name for this agreement without my consent or knowledge. 
* XXXX did not ask the person ( s ) to send any verified signature document such as copy of an I.D . or notary signature. 
* This bill was in the possession of XXXX since XXXX and in XXXX they default it and hire a collection company. 
* This collection can cause my creditors to close accounts and lower my credit limit which will have a negative outcome on my living expenses * This Agreement was still active beyond my control of the building. It was used in XXXX andXX/XX/XXXX Hopefully something can be done as this loophole should be closed to prevent XXXX from losing money and/or consumers being unlawfully billed for someone else bad dealings.
Product: Credit reporting, credit repair services, or other personal consumer reports

Using my social security for credit cards and accounts. His name is yer XXXX XXXX. His address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC. Number is XXXX XXXX Emailed he used XXXX. XXXX. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I don't normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the XXXX breach that happen a few years ago. I contacted transunion, XXXX  and XXXX regarding this and i was told to get an FTC report. None of these accounts listed are related to any transaction done by myself.
Product: Credit card

A hotel located in XXXX, MN ( XXXX XXXX ) charged my credit card twice without my knowledge. I contacted FNBO to dispute the charges and was told that those charges would be removed during the investigation period. It has been over 2 weeks and still the charges have not been removed but the account actually shows two additional charges of {$75.00} with one credit of {$75.00}. I have called repeated times and have been forwarded to one individual after another with zero help given. I even requested to speak with a supervisor but was told none were available in the entire world... .this is a big company and can't believe no managers are present? The employees seem less than educated and require me re-telling my story every time with the same line of questioning. Hello, I've told you guys this a dozen of times. At this point, I don't believe they have done anything to help and I want my money back.
Product: Credit card

In XXXX of 2023 I placed a deposit for a cosmetic procedure with XXXX. I was told by my physician not to follow through with the procedure because it could result in death/severe injuries. The same day, due to this fact, I requested my refundable deposit back to my CHIME Visa Credit Account which was drawn from my CHIME Checking Account. XXXX refused to refund my account and I later received a call from their corporate office after I made complaints on my popular social media platforms. 

The CHIME VISA Credit dispute was resolved in my favor on XX/XX/2023 with {$1000.00} alleged to be sent back to my CHIME CHECKING ACCOUNT. Chime repeatedly lied and told me the funds were mailed to my address on file and that a password reset link was sent to my email in file so that I could enter my account to access my funds. 

Thirty emails later as well as countless phone calls to Chime have led to the worst customer service, lies and over all refusing of Chime to allow me to access my hard earned funds. 

I suspect racial and ethnic discrimination on Chimes part because the service became worse after I sent copies of my photo ID.
Product: Money transfer, virtual currency, or money service

" On XX/XX/2018 I was denied by both XXXX AND WESTERN UNION after creating online account. This is not the first time conducting business with either money transfer agents. I have noticed a pattern that each time, it is allowed and verified ;. CANCELLATION OF BOTH MY TRANSACTION RESULTED. ". The only provide reason of going to a local agent and trying that way. '' " I am verifying payment was successfully sent via WU. That is Western union_Your tracking number is ( MTCN ) XXXX. Shorthly after notifying by writing email to the business called " XXXX moving and storage located at XXXX XXXX XXXX XXXX, XXXX FL XXXX that would also track their confirmed receipt of payment on my end. '' WU called me and emailed me to verify this transaction ;. after 12 hours, it was cancelled next day and I received a message by XXXX XXXX that morning as I kept a record of it for your reference as not the first time in coincidence with XXXX. '' " PROBLEM_UNAUTHORIZED BROKER HAS GIVEN MOVING COMPANY THE RIGHT TO HOLD MY BELONGINGS IN UNKNOWN LOCATION. The origin was from XXXX " XXXX '' by XXXX XXXX limited export manager. '' I have also kept them in the loop on the activities as they also refuse to provide insurance documents, moving legalities on paperwork that was initiated for customs and border completion. '' " There are not corresponding but delaying when they write back even for acknowledging this attempted money transfer payment for planning the release with RECEIPT OF BANK TRANSACTION. I am requesting my XXXX " XXXX '' is requested ASAP. A reminder of your time, day of week for delivery is has not been promised. It is necessary before the incurance of addt'l storage fees. '' " The businesses both known as XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX refuses to accept alternative forms of payment such as checks, credit cards, money order. They both insist that I bank transfer account to account the money but thaere are issues doing so. ". I also have noticed a problem with the XXXX XXXX XXXX ACCOUNT provided by XXXX XXXX HAS NO ACCOUNT NUMBER per the acct receivables assistant " " BOTH EXPORTER/IMPORTER demands that I send money because they had not provided a business address within the XXXX now that I have been told the money was not acceptable that method '' AS WELL AS WHERE THE " XXXX '' is presently unknown?
Product: Credit card

I tried to pay my membership fee, {$25.00}, for my business to XXXX XXXX XXXX XXXX, addressed XXXX XXXX XXXX, XXXX, NJ XXXX by using a store credit card of XXXXJ Maxx credit card, ending XXXX. However, I have not received any paid information from TJ Maxx ; even though I had the receipt of payment online. Therefore, I tried to check TJ Maxx online whether it received the payment ; however, due to the loss of my memory regarding the password, I could not open with my three email addresses. I tried to call the customer service without any result and their message system asked only about the purchase ; so, I did not send the message.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charge off on my credit report for XXXX XXXX XXXX  with a balance of {$8600.00}. I don't believe this is my account and have no knowledge of it.
Product: Credit card or prepaid card

I have a credit card with the capital one bank. that ends in XXXX and two days ago my card was canceled due to fraud. the three credit bureaus notified capital one this account was active and I was using it normally and I want to recover it
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 30 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. IT HAS BEEN PAST 30 DAYS. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE XXXX  DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent correspondence to Equifax along with copy of all up-to-date and current personal information ( driver 's license, utility bills, employment receipt, etc ) so they can remove all old, obsolete, and out dated info not connected to tradelines off my report and up-date with current info. I also inquired/informed them about the ( 5 ) five inquiries ( 3 from XXXX XXXX XXXX ; 1 from XXXX XXXX ; and 1 from XXXX XXXX XXXX ) that were made without my authorizing such and asking did they verify, or had a contract binding me and the company with my wet-ink signature in their possession to verify/validate information which they didn't. They are aware that I have been a victim of identity theft before and chose to ignore the problem as well as following the rules ( Sect 609 ( a ) ( 1 ) ( A ) and others set forth by the Fair Credit Reporting Act.
Product: Credit card or prepaid card

Contacting y'all about my unauthorized payment dispute I contact yall about on Monday I still haven't hear a update about it yet 1. What is your legal name, XXXX XXXX, and email address and/or phone number linked to the account associated with the 'unauthorized ' activity? XXXX XXXX XXXX XXXX XXXX 2. What are the dates/times and amounts for the transactions that you believe are in error? XXXX XXXX XXXX {$32.00} 3. Why do you believe the transactions were unauthorized? This is the second time I have a unauthorized payment sent to the same user I never sent it to her or don't know her 4. Were you instructed to download any other apps other than Cash App to access the account in question? No 5. What is the make and model of the device ( s ) you were logged into when the transactions took place? XXXX 6. Which city & state were you located in when the unauthorized transactions took place? XXXX Pennsylvania 7. Did you forward or provide any account access information to a third party? No 8. Do you have a PIN set up to authorize payments? If so, did you share your PIN with anyone? No 9. Do you have possession of your device, if not, when did you last have possession of your device? I didn't have possession of my device when I was sleeping before I want to bed I did someone probably guessed my cash app pin who I don't know