23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX XXXX, XXXX # XXXX, from Clay Chapman Iwamura Pulice & Nervell is demanding payment of a debt and threatening to foreclose on a property that our singular marital entity ( " legal identity '' ), XXXX XXXX XXXX and XXXX XXXX XXXX, Wife and Husband, at Common Law, XXXX XXXX XXXX XXXX, as Fee Owner, holds paper title too. 
Another disturbing issue is that XXXX XXXX XXXX, XXXX # XXXX, from Clay Chapman Iwamura Pulice & Nervell, is conveying that XXXX XXXX XXXX and XXXX XXXX XXXX, Wife and Husband, at Common Law, XXXX XXXX XXXX XXXX, as Fee Owner, signed a promissory Note and/or Mortgage with XXXX XXXX XXXX, XXXX. ( " Lender '' ), on or about XXXX XXXX, 2006. Please Open Attachment.
Product: Student loan

On XX/XX/year>, I submitted an IDR Application via Edfinancial 's website and they responded that it was rejected because it lacked my spouse 's signature. No where on the IDR Application is a spouse 's signature mentioned - there is not a field for it, nor any other mention. My spouse does not even have student loans. 

I wrote to them via their online contact form to dispute their claim and got no response. I called them and the Edfinancial rep indicated it would be taken care of. But, nothing happened. 

My IDR Application has yet to be processed.

Also, the Edfinancial website does not track customer file uploads or correspondence. This is unacceptable and more than just poor web development, rather an intentional method of muddling record keeping that seems borderline criminal.
Product: Credit reporting, credit repair services, or other personal consumer reports

i need your help in a serious matter involving my credit report. After reviewing my credit, I have realized that you are reporting damaging information to my name. 
Please review the following Account Name : XXXX XXXX Account # : XXXX You are reporting this account as late, delete for inaccurate reporting attached is a letter from XXXX  XXXX proving the late payment is inaccurate
Product: Mortgage

I have a XXXX mortgage with Citimortgage. I requested assistance by way of approval for a short sale. They XXXX made me go through a modification process even though a short sale was requested. It appeared that they purposely waited to start the short sale process as a last resort. After they understood I wanted a short sale ( even though it was stated and requested on their paperwork ) they required that I submit all my documents again because " it was another department ''. After weeks of this repeated process they denied my short sale because the loan was " charged off ''. They continued to keep the process going even though the loan was elsewhere. Now after following up XXXX they have apologized that they have not done an escalation and will " send another email to remind them it needs to be done. '' I started this process with them back in XXXX 2014 XXXX almost six months ago ). In the meantime, my primary mortgage lender has approved my short sale process, I have an eager pre-approved buyer, and the process is being held up by Citi Mortgage. At this point I am concerned that I will lose the buyer and have to start the process XXXX again.
Product: Checking or savings account

I purchased a bus ticket from an online vendor received the ticket in my email It was to go meet my family for a holiday in California I showed up to the bus station early that man working behind the counter pulled up my ticket what not and told me that the company had overbooked it and there was no seating for me available he said it happened to 2 other people that were waiting there as well I tried everything I could dare to get another ticket or anything there was nothing they could do I ended up missing most of my family 's vacation I had to purchase a plane ticket 2 days later XXXX to go up there I contacted the company and they were telling me no refunds Is there policy and what not but I mean I have emails I have picture proof a few different ways of proving that I was there and was not allowed on the bus my bank has been so unprofessional I've contacted them every week for the last 4 months Trying to get an update any information Yeah generic response but have told me every step of the way that it would be resolved by the 90 day mark the regulation dictates they have to have it doneBy then so then once we approached it on the day mark they just started ignoring me and then once we passed the 90 day mark I couldn't get no responses except an occasional generic response will now we're at a 110 days and today they emailed me just to tell me that they denied it because the online vendor of the ticket said that they don't offer refunds or exchanges exchanges well I was not allowed to board the bus and what am I supposed to do about this my bank has been horrible manI requested XXXX XXXX XXXX they're answered to this and they're ignoring me still I've tried everythingIt 's only {$62.00} but man I'm a single father of XXXX kids I need it
Product: Credit card or prepaid card

Dear Mr. XXXX, this is another follow up to initial CFPB, case # XXXX and case # XXXX. Since you haven't answered questions in my previous submission, I have to submit another complaint. 

I will start with a bottom line : I looked on the internet - the US Treasury and US Department of State web sites - and to my knowledge there are no sanctions placed on XXXX as a country, only on selected individuals and companies undermining dependence of XXXX and its territorial integrity. Overall, the US acts as an ally to XXXX helping to combat XXXX 's aggressive behavior. 

Mr. XXXX, I have to inquire again : please, provide a name, a number and a date of the sanction/Executive Order/other document, which directs CITI BANK to not open account for me, a citizen of XXXX. 

Please, familiarize yourself with a full list of sanctions. 
From XXXX Department XXXX XXXX, XXXX : //www.state.gov/XXXX   XX/XX/XXXX : Executive Order XXXX ; Blocking Property of Certain Persons Contributing to the Situation in XXXX XX/XX/XXXX : Executive Order XXXX ; Blocking Property of Certain Persons Contributing to the Situation in XXXX XX/XX/XXXX : Executive Order XXXX ; Blocking Property of Additional Persons Contributing to the Situation in XXXX XX/XX/XXXX : Executive Order XXXX ; Blocking Property of Certain Persons and Prohibiting Certain Transactions With Respect to the XXXX XXXX XXXX XXXX Executive Order XXXX was issued on XX/XX/XXXX and authorized the imposition of sanctions on individuals and entities determined to be responsible for or complicit in malicious cyber-enabled activities that result in enumerated harms ... 
Executive Order XXXX issued on XX/XX/XXXX, amends EO XXXX. E.O. XXXX focuses on specific harms caused by significant malicious cyber-enabled activities, and directs the Secretary of the Treasury ( ... ) to impose sanctions on those persons he determines to be responsible for or complicit in activities leading to such harms. 

You can review information about sanctions here : https : //www.treasury.gov/XXXX You can see a complete list of people under sanctions here : https : //www.treasury.gov/XXXX I would be happy to schedule a call with you and discuss this in details - so far my call have been unanswered. 

Thanks for your time.
Product: Checking or savings account

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

Hi, I hope all is well. 

I have one account with Nelnet that has reported my account as " current '' one month, then on month later, reports as " 90 days late '', then reports as " 120 days late '' the following month before reporting as current again durning the following 4th mont ( Current - 90 Days Late - 120 Days Late - Current ). This has happend on three separate occasions : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I log into my account, the latest account information dates back to XXXX XXXX XXXX ( Attached ). When I call to get information that dates back further, I am told that it is not available, which makes it impossible for THEM to furnish this inoformation to others. 

I have asked for a correction with through mail, email, calls to representatives who can not make changes even at the supervisory level which is the highest level you can get to in a call. 

LASTLY, this ONE account reports as 15 different accounts. Which means I now have 75+ negative incorrect reports from a Nelnet which can not provide information/proof explaining how I can I can go from " current '' to " 90 Days Late '' from one month to the other. 

Any help or clarity given would be really appreciated. 

All the best, XXXX XXXX
Product: Checking or savings account

I tried to deposit check into account on XX/XX/XXXX ... ATM stated hold til XX/XX/2018. Upon waiting for check to clear BOA stated they were closing my bank account without notice I inquired as to why their response was my check was fraudulent and could n't be verified bank check was issued from XXXX XXXX XXXXXXXX in which XXXX XXXX XXXX XXXX XXXX gave me the check. I was able to call to verify check thru XXXX XXXX XXXXXXXX. After back n forth calls with BOA they still have n't told me what happens to my money NIR have they stated when I was to receive me funds. I 've lost a lot of gas patience bills are backed up and I dont know what to do.
Product: Credit reporting or other personal consumer reports

In 2018 when I moved, XXXX improperly transferred my account to the new address and created a balance due in the old account even though everything was paid in full. But the open balance remained and went to collections. I called XXXX, they admitted the error and told me they would withdraw the collections. But that didnt happen. I called XXXX again and they admitted again and said they would withdraw the collections, but it still never happened. Ever since then ( for 6 years!! ) this collection bounces from agency to agency and reappears on my credit report. 
Currently the company trying to collect is called Southwest Credit Systems and the amount is represented as {$730.00}. This is the only derogatory mark on my credit, and it never goes away!! 
Can you please help me?! 
Thank you! 
XXXX
Product: Debt collection

I asked this company to verify that this was my debt and when the date of the debt took place and they could not verify any of these. They sent a short letter with no information asking of ways to repay this debt without verifying any of the information I had asked. Date, date of birth, copies from original debt. Then they attempted to make harassing calls towards me in the evening past XXXX stating they would have me arrested if a payment was not made. Still they could not verify any information by sending me copies
Product: Mortgage

Dear Sir or Madam : I have twice submitted requests to my mortgage servicer, Newrez LLC, to have my escrow account for taxes and insurance deleted ( XX/XX/23 and XX/XX/23 ) as I believe that I now have sufficient equity in my home to obviate the need for said escrow account. However, my request was denied on both occasions ( XX/XX/23 and XX/XX/23 ) with the following reason the LTV ratio does not meet the minimum requirement for your state or property type Based on the above denial reason, I twice submitted follow-up questions to Newrez LLC XXXX XX/XX/23 and XX/XX/23 ) as follows 1 ) What is the current LTV ratio of my loan? 
2 ) What is the minimum LTV ratio requirement to delete my escrow account?

Since both of my requests were denied for LTV ratio reasons, I had assumed that Newrez LLC would have the answers to both of the above questions readily available. However, as of today ( XX/XX/23 ), I have yet to receive a response from Newrez LLC to either of the above questions. 

The silence has been deafening as it leads me to believe that Newrez LLC does not have any basis for continuing to maintain my escrow account but would rather continue to pad their balance sheet with my money ( and the money of other borrowers in my position ) rather than perform the proper due diligence to ensure that only borrowers with insufficient equity will be required to maintain escrow accounts with Newrez LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I owned a home in XXXX, XXXX, I had moved to XXXX, when I received a water/sewer bill from XXXX XXXX/XXXX  for {$780.00}, Normally my bill was approximately {$150.00} to {$200.00} dollars. I contacted XXXX XXXX/XXXX  due to a water leak while the home was vacant for several months. I had the water line replaced on or about XX/XX/XXXX. XXXX XXXX, told me that they would investigate and correct my high utility bill. I was waiting for a corrected bill. Which I was never contacted or received any correspondence from XXXX XXXX. I called XXXX XXXX told me they turned it over to collection and they would do nothing. I checked my credit report on or about XX/XX/XXXX and on my credit report I found out it was turned over to Automated Collections on XX/XX/XXXX as a collection account. I contacted Automated Collections at XXXX XXXX XXXX, XXXX, XXXX  XXXX about why the collection account. Automated Collections told me if I paid the bill they would remove it from my credit report. On XX/XX/XXXX, I paid the {$780.00} to them. However, it was not removed from my credit report. I called Automated Collections as to why it was on credit report and they told me they would not remove it " good luck ''.
Product: Credit card or prepaid card

Synchrony Bank, has unfair and abusive terms to it credit ( a ) They took over several of my account over and double charged for interest. 
several of my cards went from 10 and 15 % to now 26 and 29 % They abuse the practice by charging very high interest rates to high-risk borrowers like me so that I wold likely to default on the loan.

( b ) they change the terms and condition of the loan ( XXXX  ), we had been sending money to an inmate, now they want to charge fees, Date of Transaction XX/XX/2020 XXXX XXXX Sent Amount {$30.00} they stated they charged {$5.00} but we have used the same care just several months ago - and was not charged, they change their terms when every they fill like it -hides or misrepresents the true costs, risks and/or appropriateness of a credit card terms, or changes the credit terms after the initial offer. I used pay pal and made and made and ordered. This company refuses to release the order or payment. XX/XX/XXXX, I ordered items and it was cancel by Paypal. But the amount is still be held up - THEY refused to release the funds after the order was cancel and it still a pending charge on the account.Thanks for your order at XXXX XXXX. Money won't leave your account until XXXX 's processes your order. 
( B ) Thanks for using PayPal. To see the full transaction details, log in to your PayPal account. Keep in mind, it may take a few moments for this transaction to appear.ORDER WAS CANCEL - as of today, it is still pending on the Master Card account. 
( C ) The Bank encourages me to borrower and to refinance an existing loan into a larger one with a higher interest rate and additional fees. 
( D ) XXXX stated that he and Everyone in the neighborhood is charged higher rates to borrow money, regardless of credit history, income or ability to repay ( tape recorded ) This Bank has adds language to my credit card contract making it illegal for a credit card holder to take future legal action for fraud or misrepresentation. The only option, t is arbitration, which generally puts the borrower at a disadvantage or for them to close your account as XXXX stated in a loud voice on XX/XX/2020Call Notify from.. 

This Bank is a Predatory credit card holder that imposes unfair or abusive loan terms on the credit card holder. It is also any practice that convinces a XXXX XXXX holder to accept unfair terms through deceptive, coercive, exploitative or unscrupulous actions for encouraging me to transfer other account to the card for pay off. Then up the rates.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report XX/XX/XXXX and found several hard inquires that did not have permissible purpose. I also attached evidence. 

XXXX. Experian XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX  XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX  XXXX cbna XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXXXX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
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, XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX  - XXXX, CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX:  XXXX:   EXPERIAN The heck is going on. I’ve contacted you guys time and time again since XX/XX/2017. You’ve removed the fraudulent accounts but I don’t know why these accounts remain on my credit report. You have done so much damage to my credit report with the remain accounts that are fraudulent and this has better be the last time that these fraudulent accounts show on my credit file and I’m only allowing 24 hours for the accounts listed to be removed permanently. I am unaware of the accounts that you are listing on my credit file. I have asked for verification for the original contract and for the debt or account listed as an error several times only to be ignored. Look this is becoming a major problem and I have filed a lawsuit this time because you are taking me for a joke and you are causing damage to my life and causing stress. I have contacted the attorneys general office in XXXX County along with the FTC to get this matter resolve immediately and permanently. I will make sure that this incident sees a judge in a civil courtroom. 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX. REMOVE ALL THE LISTED FRAUDULENT ACCOUNTS WITHIN 24 HOURS IMMEDIATELY AND PERMANENTLY. REMOVE REMOVE REMOVE. The inquiries that are unrecognizable and that I’m unaware of are in the attachment area. I did not give anyone my consent to open any new credit. Your company is at fault and I demand that you remove the bogus accounts and inquiries today or else. REMOVE ERRORED ACCOUNTS LISTED AND INQUIRIES LISTED AS WELL. I don’t want to see another error listed on my account and please send me a copy of a credit report revised with the mistakes removed. My credit is showing me that these accounts are still listed on my credit and I’ve asked you to remove them permanently. You have no verifiable evidence with no original contract with my signature so by law you must removed them immediately and permanently. I have filed a lawsuit on the following credit bureau agencies for using my consent without my knowledge and for breaking the laws within the FCRA. I have placed several sections that you have violated. You have violated my rights in many ways and I look to take this to civil court. I demand that my credit report is cleared of the accounts listed and remove the errors your company placed on my credit file.
Product: Money transfer, virtual currency, or money service

I sent via wire transfer to XXXX Wells Fargo account XXXX. Found out it was a scam.
Product: Prepaid card

XXXX shows on their website that {$830.00} was issued to my account on XX/XX/XXXX. I received an email from Money Network on XX/XX/XXXX at XXXXXXXX XXXX stating that I received a deposit from XXXX to my bank account. It says on the email if I do not receive the money to contact XXXX. I called and spoke to someone by the name of XXXX, she stated she does NOT see a payment from two days ago XX/XX/XXXX. This company is a fraud & their system is flawed!