23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Since XX/XX/XXXX  I have been requesting for Nelnet, my current loan servicer, to complete and return XXXX Data form that is requested by the California XXXX XXXX loan repayment program. I am supposed to receive {$35000.00} to repay my student loan that is supposed to go to Nelnet. I can not receive these funds from the California XXXX XXXX unless Nelnet provides the XXXX Data form. California XXXX XXXX representative has suggested that I escalate the matter since Nelnet has not responded or returned the right form to me since XX/XX/. They provided a W9 form but that is not what I requested. I have called many times with hold time over one hour and then my calls would be disconnect and they have not responded to my emails. I am currently in deferment but being charged interest.
Product: Credit reporting or other personal consumer reports

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Accounts/Inquiries that are being challenged XXXX XXXX XXXX XXXX Late Payment {$9600.00} XXXX XXXX XXXX {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX Collection {$5800.00} XXXX XXXX XXXX Collection {$200.00} XXXX XXXXXXXX XXXX Charge-off {$430.00} XXXX XXXXXXXX XXXX Charge-off {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

In XXXX XXXX my bill did not reflect that payment from XXXX XXXX and had charges I did not make. I called PayPal and explained. At that time, they closed my existing account and started a new credit acct number due to the fraudulent charges. The balance from my old account was {$3400.00}. Which was moved over to my new PayPal account on my XXXX XXXX statement. On that new account, PayPal ( statement XX/XX/XXXX ) gave me a temporary credit for the {$2900.00} check I had sent by mail in XXXX XXXX while they investigated where it went. Which left me with an acct. balance of {$420.00}. 
When my XX/XX/XXXX, PayPal account statement came in the mail, under the section purchases and adjustments there was XXXX charge to XXXX XXXX  I had made ( {$84.00} ) and PayPal had charged {$2900.00} as a payment correction dated XX/XX/XXXX and an additional payment correction charge of {$2900.00} also on XX/XX/XXXX. Which brought my account balance to {$6200.00}. 
I have called PayPal many times to sort out the over charge of {$2900.00}. No one understands what I am saying. If you look at my previous balance on my original credit card from PayPal I only owed {$3400.00}. I only had XXXX charge from a purchase of {$84.00}. That does not add up to {$6200.00}. UNLESS you take into consideration, I was double ( XXXX ) charged for the original payment investigation credit of {$2900.00}. 
I made a complaint and was told I was wrong. On my next statement XX/XX/XXXX I was credited {$2900.00} and charged {$2900.00} on the same statement. Together they cancel each other out on that statement. That still leaves PayPal needing to remove the additional charge of the {$2900.00} from the XX/XX/XXXX statement.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX - XX/XX/XXXX Transactions sent by XXXX XXXX and XXXX {$15000.00} I called my bank and XXXX and told them the situation and how I was being forced and threatened by this person and no one helped me
Product: Money transfer, virtual currency, or money service

I went to one of the Western Union location on XXXX XXXX in XXXX, NY for wire transfer money to my family overseas. I personally counted 3 times before the arrival of the location. I was also the only one who touched the money before gave it to the owner of that business. I handed the exact {$20000.00} in cash to the owner who runs this business. He took my money and secretly counted it by doing it in a blind spot of all cameras and didn't let me looking at it. He then put the cash into a cash counting machine after and told me that I only gave him {$15000.00}. That's {$4400.00} missing. I confronted him and wanted him to see if there is any miscount, but he insisted that this was the exact amount and denied that he stole my money. I called police then police checked the camera and told me that they couldn't really tell because the camera didn't catch anything due to he was hand counting it in a blind spot before put it into the cash counting machine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with Lexington law for the longest and I was paying them for the services that they were not holding the part of the bargain. I start paying them XX/XX/2020. They never helped me at all..I have been suffering through covid and it's not fair for them to have took advantage over me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted experian multiple times and they still are reporting fraudulent information i have contacted creditors in question and they all told me its experians errors XXXX and XXXX already fixed the problem and removed the fraudulent inquires and accounts XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX. 
{$1000.00} Balance updated XX/XX/XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1100.00} Balance updated XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX New Inquiry date : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Used Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX  All Banks - non specific Inquiry date : XXXX XXXX, XXXX
Product: Checking or savings account

There are times from wellsfargo where I know I have enough money and at times it disappears or things from weeks prior gets charged. Ive called and talked to them but theyve said Im looking too much into it. I get overdrafts even though I know I had enough money in my account to cover everything I pay for.
Product: Debt collection

I received a debt collection notice on XX/XX/08 regarding a bill I did not know existed from XXXX XXXX. XXXX XXXX never sent me a bill but instead sent my bill directly to PMT XXXX  who require you to pay in person or acquire an extra {$35.00} fee to your bill. I have lived in Florida now for 5 months and can not go in person to pay my bill that I did not know existed. When I contacted XXXX XXXX regarding the bill, they stated it is not their responsibility to notify me of payment due. XXXX XXXX has also deleted my account so I can no longer see what the charge is for or any details regarding the bill.
Product: Checking or savings account

On XX/XX/2024 I contacted WePay by JP Morgan as they withheld {$1700.00} that was to me via credit card by one of my recurring XXXXXXXX XXXX client. 

They told me the following : " We appreciate your patience and cooperation while we looked into the details of your account. Unfortunately, we will discontinue processing payments for your business. Any funds in the account have been placed in reserve and will be reviewed for potential release in 120 days from the closure date of XX/XX/2024 Because of the proprietary nature of our review, we are unable to share more information regarding this decision. '' This week, I asked for an update as the funds have not been released ( early XX/XX/2024 ) even though the transaction is not being disputed and never has been. 

They have informed me, they would withhold the funds for another 4 months without guarantee of releasing them. 

This is purely fraud and theft carried out by a major banking company. This transaction was legal, normal and my client still works with me, I know for a fact there is no dispute. WePay just stole this XXXX and refuses to give out any information.
Product: Money transfer, virtual currency, or money service

Another teller stormed over and stated if I refused to comply theybwould not provide assistance. When I requested to see that in Navy Federal Credit Union guidelines, she stated they do not provide customers with that information. I advised other locations had no issue assisting me with the request. She stated I should go to that location. When I requested the manager, she stated she would have to call and requested that I be seated so the teller could assist other customers. When I refused, she became visibly upset and I stated I am the customer here requesting assistance with my account and transaction and the other customers will have to wait just as I waited. She stormed off to call the manager and she returned and stated her manager said it can be a written request for the IRA team or they must physically hold my Drivers License to complete the transaction and if I refuse to leave or accept the written request she would need to speak with management about her next steps to have me leave the institution. 
All of this on the spot policy and refusing to provide proof of the policy.
Product: Debt collection

This Collection Agency named OMEGA RMS whom brought this account from Stores Onlines at the time I owed roughly {$1700.00} in the year XX/XX/XXXX have double the balance to {$3500.00} and continues to report it on my XXXX Credit Report also twice within 30 days of the pass months. ( XX/XX/XXXX & XX/XX/XXXX ), the Statue Limitation on this Account expired in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appealing to your authority to have XXXX  , Inc. to release confirm or deny that a security freeze has been placed on my credit report.

When attempting to get these results on my own accord by requesting the confirmation that the security freeze did indeed take place, XXXX  refuses to give or provide a definitive answer.

My rights under FCRA allow me to place security freezes on my credit file upon request.

Please assist me as soon as possible in obtaining the necessary contact information in order to place a security freeze with XXXX  and therewith, compelling them to follow the well-known directives from FCRA.
Product: Debt collection

I had arrived home at approximately XXXX on XX/XX/XXXX and grabbed the mail. There was notification from Rickart Collection Systems , Inc. stating that they were a debt collector from my account with XXXX and must notify them within 30 days of receipt of this notification if I dispute this debt. I called up my representative XXXX that night at approximately XXXX. I inquired about the debt and she stated that this was a debt that was from XX/XX/XXXX to XX/XX/XXXX in the amount of {$1100.00} for services from XXXX at XXXX XXXX XXXX XXXX. I have not resided in that home since XXXX. I had filed Bankruptcy and was discharged of all debt in XX/XX/XXXX from this residency. XXXX XXXX XXXX is a duplex that I purchased and is under one parcel. I find it funny that now at the end of the 7 years this resurfaces and that XXXX is again trying to collect on old past debt, debt that was included in the bankruptcy and now appears that they have created a story to get me attention to make contact with them to discuss and collect on past debts. I stated that someone has taken my identity and put service in my name but for only a 3 month period? XXXX advised me not to call the police to make a report until after I call XXXX. She stated to put the dispute in writing. I hung up with her and then called XXXX and spoke to a representative. He had stated that the bill is from past accounts in addition to this new account that was created on XX/XX/XXXX through to XX/XX/XXXX which was put in my name. Again I have not lived at this address for many many years. He stated that there is old account balances and when someone comes up for service with the name it attaches that debt to the new account in hopes of collection or termination of services when payment is not made, which has happened in this case. The only problem is, is that its not me, I do not even have XXXX as my electric provider close to 7 years now. Also, they sold off any past debt to collection agencies so why are multiple people trying to collect the same monies? This is very wrong and I feel that they are in hopes of trying to scare me into paying money not due or to falsely create a new collection inquiry on my credit report.
Product: Debt collection

this account has been on my report for more than 7 years I've explained to the company this was fraud i wasnt even living in the state at the time
Product: Mortgage

This complaint is being submitted by XXXX XXXX XXXX on behalf of the borrower. XXXX XXXX XXXX represents the borrower for the limited purpose of filing administrative complaints and assisting with loss mitigation. Ocwen is the current servicer of the borrower 's mortgage loan. This loan is not currently in foreclosure. The following violation has occurred with regards to the borrower 's mortgage loan:1. Ocwen 's failure to send periodic mortgage statements : The borrower has not been receiving mortgage statements since the borrower received his modification in XXXX of 2014. The borrower lives at the property address.
Product: Student loan

I previously attempted to contact Navient the servicer of my student loans in reference to a tax return that was taken to offset the balance owed on the loan accounts ( 3 total loans ) when attempting to obtain information the company refuses to communicate with me via electronic mail indicating that I must call them, however I do not have access to phone service to do so. Navient has taken funds from my tax return in the amount of roughly {$1300.00} at the time when the amount due on the three accounts was roughly {$700.00}. I have not received any dispersement of funds from my tax return and furthermore, Navient has not posted this payment to my accounts. The letter recieved from the IRS clearly indicates that this is a payment and an over payment of debt was not authorized. Navient refuses to communicate any account information to me, will not refurnish statements for correct reporting and has been previously notified of a billing error two weeks ago. Per federal guidelines, validation and verification debt including the correct amount owed must be validated within 30 days of the original notification of an error. In addition failure to do so is a violation of my consumer rights under the FAir Credit Reporting Act and is a direct violation of the lender under the Truth in Lending Act. I have since without any assistance from the lender was forced and coerced into deferment status on my loans without any assistance or explanation because I could not clearly understand my options for resolution and the representative assisting via email would not discuss my options only over phone even after telling them I did not have access to a phone. I feel additionally discriminated against because I no longer have a phone service and do not have access to one. Additionally my loan agreement does not require a phone contact nor does federal regulations and law require that a lender only do business via telephone. As required by law, Navient must also be able to furnish the same account information and assistance via mail through the postal service or similar mail carrier. I have since updated my contact information to reflect the correct address, despite being contacted via mail previously to the correct address prior to this incident, so that Navient can respond via mail a hand written response answering all of the concerns listed here.
Product: Mortgage

Dear Shellpoint I am writing to formally dispute an incorrect late payment that appears on my credit report. Upon reviewing my report, I noticed that a late payment was reported for XX/XX/year>. I believe this information is inaccurate and request that it be corrected or removed as soon as possible. 

I kindly ask that you investigate this matter thoroughly. If you find that the late payment was reported in error, please update your records and notify the credit bureaus of the correction. Additionally, I would appreciate receiving written confirmation once this issue has been resolved. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting of my credit information. Please consider this letter my formal request for an investigation and resolution of this issue. 

If you require any further information or documentation, please do not hesitate to contact me at XXXX. I look forward to your prompt response. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I filed a complaint in XXXX. They sent me an analysis in XXXX saying that they will refund around {$800.00} for my mortgage insurance they charged me. They refunded the amount but then took it back. My analysis also showed my mortgage payment of {$1200.00} for XXXX, {$1400.00} for XXXX, then when I recently paid for my mortgage for XXXX my payment went up to {$1800.00}. I asked for an explanation and they said they sent me an analysis but I never received it. I sent another message requesting to be sent to me via email so I can look at it asap and have not received a response. I also never received a response to why my refund for my insurance was reversed. It takes them a very long time to respond and keep changing the analysis every single month. I never had this issue with my payments fluctuating and why they keep messing up my escrow. After my first complaint with tue CFBP they said they were going to refund me, which they did, then when the complaint closed, they took the money back.
Product: Credit card

Hello, Back on XXXX XXXX, I was offered XXXX Bonus Miles of which XXXX would be XXXX if I upgraded from a Delta XXXX to Delta XXXX. This offer was contingent upon spending {$2000.00} on the card. 

I fulfilled the {$2000.00} obligation on XXXX XXXX. But now 2 months later I have NOT received those miles. I have repeatedly called your XXXX number and have found your agents are be very polite. But your back-end people and processes must be asleep because I have still not received my bonus miles American Express has NOT lived-up to its agreement. 

I would rate American Express a XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This Complaint is in tended as follow up to FTC Request Number XXXX, submitted on XX/XX/XXXX, wherein I have requested that my XXXX and TransUnion credit files be permanently expunged. Both XXXX and TransUnion have elected to become complicit in mail fraud and mail tampering in the furtherance of mail fraud by steadfastly persisting for two and-a-half years now in listing a fraudulent debt reported by the collection agency in question, XXXX XXXX XXXX, which has violated Florida State law in its handling of the debt upon being assigned to it by XXXX XXXX XXXX on XX/XX/XXXX ( XXXX Account # XXXX ) and then proceeded to deliberately violate Federal Law by engaging in both systematic mail fraud and mail tampering to cover it up. Despite notifying me about the debt on XX/XX/XXXX via XXXX XXXX U.S. Mail at the new address I had moved to in XXXX, Georgia on XX/XX/XXXX, when I disputed the debt via email on XX/XX/XXXX, the creditor responded on XX/XX/XXXX -- more than two full months after initiating collection activity against me without the 30 days prior notice to my last known address via Certified Mail of its intention to impose a claim on my deposit required by Florida Statute 83.49 ( 3 ) ( a ), which further specifies that the creditor must refund my deposit before initiating any collection activity against me in such a circumstance ( XXXX ) -- by generating a fake Certified Mail notification to my previous address in XXXX, Florida ( XXXX XXXX # : XXXX ). The creditor then further exacerbated its willful perpetration of mail fraud by intercepting the Certified Mail notice with the help of the Postal Carrier for the route on XX/XX/XXXX in an effort to prevent me from finding out about it, since my mail ( including all Certified Mail ) was set up with the XXXX. Postal Service to be forwarded on a permanent basis to my new residence in XXXX, Georgia, as of XX/XX/XXXX. Despite the endless obfuscations of the creditor and collection agency in question regarding this fraudulent debt, it should be palpably clear that they deliberately violated Federal Law by  engaging in willful mail fraud and mail tampering in their handling of the debt, which can only have been instigated to cover up their failure to comply with Florida Statutes in the handling of it.
Product: Credit reporting or other personal consumer reports

After checking my Consumer Report and viewing my Credit Score. I find EQUIFAX is violating my rights as a consumer by reporting late payments on my Consumer Report.

I am making the following complaint and dispute against EQUIFAX on the basis of violating my rights as a consumer by reporting on my consumer report an EXCLUSION. A report containing information solely as TRANSACTIONS or EXPERIENCES between the consumer and the person making the report. A complete violation of my rights as a consumer in accordance with 15 US Code 1681a and 15 US CODE 6802. A line item listed on my consumer file as LATE PAYMENTS 30 day past due, 60 day past due Your company EQUIFAX is in direct violation of 15 US CODE 1681a ( 2 ) s-3 Definition ; rules of construction and 15 US CODE 6802 Obligations with respect to disclosures and personal information. It is unlawful for EQUIFAX to report my transactions and experiences between me ( XXXX XXXX XXXX the consumer ) and XXXX XXXX XXXX XXXX ( The person making the report ). However, XXXX XXXX XXXX XXXX ( The Person making the report ) has reported to EQUIFAX my TRANSACTIONS or EXPERIENCES. However, a consumer report has been reported to EQUIFAX and by EQUIFAX on my consumer report. A consumer report by EQUIFAX listing my TRANSACTIONS or EXPERIENCES shall not be reported or include a report furnished by or from FIRST PREMIER reporting my TRANSACTIONS or EXPERIENCES. According to15 US CODE 1681a ( 2 ) s-3 Definition ; rules of construction. According to the law as it is written the term consumer report shall not be reported under the law regarding EXCLUSIONS as it is described below. My complaint against EQUIFAX does meet the standard set by 15 US CODE 1681a ( 2 ) s-3 - Definitions ; rules of construction. Therefore, I am demanding that EQUIFAX remove the Consumer file listed as LATE PAYMENTS with XXXX XXXX from my Consumer Report.
Product: Debt collection

XXXX XXXX, whom is not a Licensed Collection Agency and has no Authority over my debts. They are a Monitoring company and keep sending me emails about my past due accounts, they do not have permission or authority to act as a Debt Recovery Agency, I constantly get emails from them weekly about different debts telling my my accounts need attention. 
I want this stopped!