23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My student loan serviced is Nelnet ( previously was Great Lakes ). Every month, Nelnet successfully auto-debits my monthly payment from my checking account on file. 

On XX/XX/XXXX, I made a one-off payment of {$500.00} towards my student loans using the same checking account on file. I received an email from Nelnet that confirmed my payment was made. 

On XX/XX/XXXX, I made an additional one-off payment of {$1100.00} towards my student loans ( which would have fully paid off one of the high interest loans ) using the same checking account on file. 


On XX/XX/XXXX, my checking account didnt look like it had the money withdrawn yet. I checked and neither of the two one-off transactions from Nelnet had posted. I called my bank ( XXXX ) this morning, XX/XX/XXXX, and they confirmed that not only do those transactions not exist, they were never even attempted. There is no record of a failed attempt, even. 

I then called Nelnet today, XX/XX/XXXX, to ask why they didnt notify me of the failed transactions, which they said they dont know why it happens but sometimes it does. 

Nelnet is actively defrauding myself and potentially other student loans using recipients by failing to a ) apply payments b ) continuing to charge accrued interest against loans that should have been paid c ) failing to provide correspondence about their payment failures and d ) allowing accounts to potentially fall into delinquency.
Product: Credit card or prepaid card

I manually changed the monthly payment amount for my Capital One credit card to {$1200.00}. The next day Capital One charged me for the amount I changed my monthly payment to and then also charged me again for the entire balance on my credit card {$1500.00}. I called Capital One the next day as soon as I noticed that I had been charged twice. The payment was made on the XXXX of XXXX and I called them on the XXXX of XXXX. I also checked with my bank account with XXXX XXXX  from which the funds were supposed to be drawn from, and they had no information about the transaction, and so the funds had not been withdrawn from my bank account yet. I called and spoke with XXXX Bank wh told me that Capital one should be able to cancel the transaction since the transactions had not posted on their end.I had a three way call with Capital One and XXXX XXXX. When I spoke to Capital One they informed me that the transaction had been posted to my account on their end and they hadn't receive the funds yet. The transaction had posted to my account less than 24 hours after the due date, even through every other transaction takes 2-5 business days. Capital One told me that they could not reverse the charges and told me that the only option I had to reverse the double charge was to put a stop payment in with XXXX XXXX account. XXXX XXXX was not able to do this as it would take 2-3 business days to cancel the payment, which by then the payment would have gone through on their end. So Capital One was not able to offer me any solutions for dealing with a double charge. Their systems were flawed in that they allowed for two payments to be made on the same day without having raised any questions. Their inconsistent practices with the time that it takes to process transactions created an unfair situation where I did not have enough time to adequately deal with an accidental double charge to my account. The speed at which Capital One processed the transactions prevented me from having enough time to put a stop payment in pace with XXXX XXXX. Furthermore their inability to offer any feasible options for resolving the issue is predatory as it forced me to pay they funds which I did not have at the time, and then pay them more money for late fees.
Product: Debt collection

1. I talked to customer care onXX/XX/XXXX

2. Sent an email to fraudulent dept. of speedy cash on XX/XX/XXXX3. Talk to Collection agency on XX/XX/XXXX. Ask me. ' whatever you like can do '.

4. Sent Letter to CFO of Speedy cash on XXXX To Mr./Mrs XXXX XXXX Dated XXXX XXXX Chief Finance Officer Speedy Cash XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


Reg : Fraudulent activity in my Name/ Amount {$2000.00} and {$5600.00} on XX/XX/XXXX & XX/XX/XXXX respectively. 
1. I had an old account in speedy cash when I was in XX/XX/XXXX. Now it is blocked.

2. I leftXX/XX/XXXX 07 years ago. I am surprised, how the transaction took place? Involvement of inner staff can not be rule out as well as an identity theft.

3. I spoke to customer care executives, they say transaction took place online.

4. If it is online, then which bank account amounts were deposited, please verify and inform me.

5. Without contacting me how it had gone to collection? Only now {$2000.00} had gone to collection, But, {$5600.00} is with them, not yet send to collection.

6. I want collection accounts are removed immediately from credit bureaus.

7. For this mental agony, harassment, disrespect why I wont take the matter to appropriate authority?

8. You need to improve customer services, they are casual. I sent an email to your fraudulent department, no reply. Please look into my case on priority basis and do the needful at your earliest.
Regards Copy to : Ad Astra Recovery Service. 
XXXX, XXXX.
Product: Student loan

It says on there website that if we want to get a loan dismissed to provide proof via transcripts or a letter from the school. I provided Official transcripts from the XXXX XXXX XXXX School Board that shows that i never graduated high school and they keep saying that is not enough. There asking me to get a letter from my school that says i never graduated High school and after speaking with the high school they stated thats against the rules of the states and they can only provide a letter of my entry and exit with gpa the same my transcripts say, but the transcripts are more detail as to saying i never received a High School Diploma. I feel as if there really not trying to assist me at all.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in XXXX days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The address listed does not belong to me.
Product: Credit reporting or other personal consumer reports

The company listed below ( GLA ) has not removed this medical debt from my credit report and it is negatively affecting my FICO score. I am finding it very difficult to obtain a loan because of this. I have contacted them about this issue in writing and by phone to no avail. 
This charge stems from a XXXX  procedure that was performed in XXXX. I paid the amount asked of me by the XXXX  office manager ( {$1800.00} ) in full, in advance. The office manager assured me my insurance would cover the remaining {$2000.00}. But the XXXX XXXX ( XXXX XXXX XXXX ) subsequently billed me for the entire amount. I have written letters and spoken on the phone with the dentist office but they would not change their stance. They have now sent me to collections and added a {$600.00} collection fee. 

I would appreciate your help in clearing this matter. 
Sincerely, XXXX XXXX GLA COLLECTION CO INC This account is currently under dispute under dispute Account info Account name GLA COLLECTION CO INC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$2000.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX 2030
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX - XXXX - {$7400.00} ( tu ) Personal Information Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, I have an account on my Equifax report that is reporting incorrectly. The account was opened in XXXX through XXXX XXXX XXXX for an auto loan. The loan was paid off on XXXX XXXX it is now past the 10 year date of the loan being closed. I reached out to Equifax in regard to removing the account, the supervisor representative stated she can only dispute the account which will lead me to having it staying for an additional 10 years. 

I was also told by the Equifax representative I disputed the account back in XXXX. I did not need to dispute anything on that closed account. XXXX XXXX XXXX has not responded back to me directly either. 
Looking forward to this issue being taking care of in a timely manner. 

Thank you!
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, Leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Mortgage

My ex-wife and I submitted an application through Nationstar Mortgage in XX/XX/XXXX to allow me to assume the mortgage loan in her name. I submitted all of the information and was told I would receive a call back in XXXX business days. I never received a call back and when I contacted Nationstar in XXXX, I was told the information was never received. I resubmitted the information a XXXX time and confirmed with Nationstar that it was received. I then received a letter in the mail dated XXXX XXXX stating Nationstar received our request for an assumption and asked for the exact same information a XXXX time. I called Nationstar and was told again that they did n't have my information. When I informed them I confirmed with Nationstar the last time it was submitted, the representative was able to find the data I submitted XXXX before. I was then told it was with the research department and someone would contact me within XXXX business days. However, once again, I received no return calls or mail correspondence. I contacted again on XXXX XXXX and was asked to resubmit the same information for the XXXX time. I received a XXXX confirmation from Nationstar that my information was received. In XXXX, I called back for the XXXX time and was told that it was being researched by the research department and someone would contact me soon. I called again in XXXX and was told that the assumption was approved and it was in the hands of a third party for closing and could take up to XXXX days. It is now XX/XX/XXXX and I have not received any closing information, no return calls from Nationstar and continually get transferred from XXXX department to another, and eventually get hung up on. XXXX months have now elapsed and I am still no closer to resolving this issue. Again, I want to stress that I was told in XXXX the assumption was " approved '' yet I have heard nothing since. This is unacceptable lending practice and I feel an intentional attempt to not honor the approval that was verbally provided by phone. Nationstar records calls per their voice messaging system, so they clearly have access to verify these statements. Additionally, it has been impossible to speak to a member of management. I am always told they are unavailable but they will have someone contact as soon as possible, and as usual no one ever returns my calls.
Product: Credit card or prepaid card

My father passed away in XXXX of XXXX. His XXXX funds where deposited to a Direct Express mastercard which apparently has no physical location. On XX/XX/XXXX I received my personal representative papers and filled out the paperwork to have the balance of XXXX on his Direct Express card disbursed to the estate. I received a letter on XXXX stating the funds were disbursed. When I had not received the funds by XXXX, I called Direct Express to check on the status and was told that the funds left the account on XXXX but she did not know where they had gone. I was transferred several times until I reached XXXX who said she could only speak to my father and who hung up on me when I asked to speak to a supervisor. On XXXX, I called again and spoke to XXXX in the fraud department who said the funds had been sent to my lawyer 's office and the check had been issued on either XXXX or XXXX. She told me to call back if the check still had not been received by the end of the month. I called back on XXXX to ask for the funds to be reissued and mailed to my address since the check had not been received by myself or the lawyer 's office. The person I spoke to told me the case was closed and if i called back I would get the same response and then she hung up on me. I emailed the probate emailing address and requested the check be reissued and gave the address. I also called and left a message on the probate number. I did not receive a response to my call or email. I called again on XXXX and spoke to XXXX and she said she would have someone from upper management call me back. No on called me back. On XXXX, I called again and informed Direct Express I would be filing a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account resolution service, XXXX XXXX XXXX XXXX are continuous reporting the same bill multiple times on all of my credit reports. The same bills show up 5 times or more. For example, XXXX USD shows up 9 times its one bill not 9 of the same bill. This is killing my credit score in all 3 bureaus. Some bills are very very old and should not even be there anymore and some should just not be there period. I have tried to reach out to fix these issues and nothing has been done. I also just had an issue with a breach in that someone in XXXX   attempted to withdraw XXXX dollars from my checking account! I live in XXXX and have never been to XXXX ... .and I have now filed a police report for that. Please make them fix this! I will also retain an attorney to help in the above situations and am preparing for bankruptcy.
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 XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXXXXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX XXXX XXXX : Account Number : XXXX Account Name : ( Original Creditor XXXX XXXX ) : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 XXXXXX/XX/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 ( 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: Mortgage

I have recently received a notice from HSBC Bank USA , NA, dated XXXX XXXX, 2016 that the servicing of my mortgage is transferred effective XXXX XXXX, 2016 to another mortgage services company ( XXXX ). The notice further states that no payments will be accepted after XXXX XXXX, 2016. My mortgage payment is currently auto deducted from my account with HSBC Bank USA , NA and this has been stopped. 

However, I also received a monthly mortgage statement from HSBC Bank USA indicating that my mortgage payment is due effective XXXX XXXX, 2016 and that the payment should be mailed to HSBC at a XXXX XXXX XXXX XXXX. 

My concerns are : 1 - The fact that HSBC has given only 15 days notice of the transfer of servicing, which is not sufficient time for consumers to be aware and make alternate payment arrangements. 
2 - The fact that they have discontinued my automatic deduction ( which ordinarily is deducted around the XXXX of the month ) with less than 60 days notice for me to make alternate arrangements. 
3 - The fact that HSBC has continued to bill me for a mortgage payment, which they have notified me that they have transferred, which they should no longer be able to do. 

Simply stated if the bank is unable to make the necessary arrangements in 15 days and continues to bill consumers, then why are consumers expected to make alternate arrangements in the same period of time.
Product: Credit card or prepaid card

My card was stolen and fraudulent charges were made on several of my cards including with MyWisely by ADP. They locked my current card and sent me a new one. I disputed the charges and a claim was opened. I was told it was going to take 7-10 business days to do an investigation, and not even 20 hours went by before they emailed me and said my claim was denied due to lack of evidence. I was never asked for any additional evidence or even asked for any furthering details. {$30.00} may not seem like a lot, but money is tight and I cant just afford to burn {$30.00} like that.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I called Conn 's to check on my balance and to make a payment of {$2400.00}. I can't remember right, but I think my balance was {$3100.00} before making my payment. I paid {$2400.00} to help me bring my balance down so I could finish paying my account before the expiration date of XX/XX/2021. After XX/XX/2021 if my account was not paid in full I would be charged interest. After I made my payment I asked the representative if this would help me pay balance off before the expiration date. The representative said yes and even lowered my monthly payments. I was originally paying {$260.00} and the representative lowered my monthly payment to {$250.00}. The representative told me I would only have 3 additional payments of {$250.00} and this would pay my balance off on time. I asked if there would be any additional fee 's added to my total and the representative said no. My payments were being automatically withdrawn monthly. I called Conn 's again on XX/XX/2021 to confirm my account would be paid in full before the expiration date of XX/XX/2021. The automated recording said I owed something like {$350.00}. I pressed the option to speak with a representative & asked what the additional {$100.00} amount was for. The representative didn't know what that was for. I asked to speak with a supervisor and even the supervisor didn't know what the additional fee was for. The first representative I spoke with agreed that my account should be paid in full after my last payment of {$250.00} on XX/XX/2021. The representative said she would request my account to be reviewed. She transferred me to her supervisor and he said the same thing. I was told to check back because it would take time to be reviewed. I called again in XX/XX/XXXX and the representative I talked to said the request was denied. She didn't understand why because with the documentation and the payments that were set up on my account should've closed my account. She couldn't tell me what the additional {$100.00} amount was for & said she would send another request to have my account reviewed. I called again maybe towards the end of XX/XX/XXXX beginning of XX/XX/XXXX. I was informed again that the request was denied and the additional {$100.00} was a processing fee. No one ever told me this on my previous calls. I requested a supervisor and the supervisor was going to call me back before the end of business day, but she never did. I called around XXXX on the same day the supervisor was suppose to call me. I spoke with supervisor XXXX and she told me there was nothing she could do. She told me this was in my contract and unfortunately it took me to correct her employees and this would not happen again.I told her about the conversation I had XX/XX/XXXX with her representative who even lowered my monthly payments. I asked if my recorded call did not matter and she said no. My husband and I have purchased several items from Conn 's in the past and this has never happened. We have never been told of a processing fee. I don't know what to do. Please help me