23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Ive been paying on my nelnet account for years and never had an issue. My payment increased earlier this year and I needed to speak with them about helping me adjust it so I can continue to pay my student loans back. One day I was contacted by a company named XXXX and the representative told me they were helping nelnets clients and for me to upload my recent paystubs to my nelnet account and nelnet would take care of it since she put in a request for them to contact me. I did this back in XXXX and have yet to receive a call from nelnet with an actual person on the phone. I have received calls from nelnet, but every time I answer they would hang up. I was advised by the XXXX rep not to make any payments until I received contact from nelnet. I decided to reach out to nelnet myself in XXXX. I called multiple times and sat in que for 1-2 hours each time. I work for a living and have a new baby that I need to attend to. I dont have hours to waste on the phone since my job requires me being on the phone. I spent XXXX, XXXX, and most of XXXX trying to call nelnet and never once got through to a representative. I decided to try to contact them through email late XXXX. I received an email back but it just apologized and said heres some online things that may help. I responded and told them I needed an actual representative to contact me ( Im still waiting ). All three of my credit reports had great scores in the mid to high XXXX. Since this all started my scores have dropped to the mid XXXX! I know I owe the money and Ive been fine paying it for years! I needed help from nelnet to ensure I can continue to pay as normal. Ive been dodged and held hostage in a phone que for months and this has now ruined my credit! I want them to remove the past dues on my credit reports and help me correct the account so i can continue to pay it.
Product: Money transfer, virtual currency, or money service

I was scammed of {$1500.00} through two XXXX transactions ( XX/XX/24 ) after I checked with my bank, East West Bank, to ensure the check the scammer sent me and that I had deposited for over XXXX hours was valid. 
On XX/XX/XXXX, the scammer reached out to me through my email about a voice-over job for a marketing video for their client. They said they would send me a front payment of {$400.00}, but then they said they made a mistake by sending me a check for {$1900.00}. They asked me to deposit the check and XXXX the extra {$1500.00} to an engineer they hired for the same project. I deposited the check on XX/XX/XXXX, checked the company label on the check, which had a XXXX history, and checked with my bank on the XXXX, XXXX days after I made the deposit. 
My bank didn't warn me that the check might be bad or ask me to wait. Instead, they wrote XXXX lines to confirm that I would receive the money by the end of the day with only XXXX words, " if check clears, '' as a condition, which I didn't understand the significance of at that time. So, on XX/XX/XXXX, I made XXXX XXXX transactions ; one was {$1.00} to ensure the scammer got the money, and the other one was {$1400.00}. After I made the transaction, the scammer 's check was " returned. '' I checked my account on XX/XX/XXXX in the morning, noticed the returned check, and sent all my evidence, the email chains between me and the scammer, to my bank 's fraud department. They asked me to wait XXXX days and told me they could do nothing because I " authorized '' the transaction, which I only did because I was led under false pretenses. I called again to ask why the check was returned ; they said it was because they were " unable to locate the account. '' - then why did the bank credit me a portion of the money to lead me to the false conclusion that the check was good?
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act. the list of accounts bellow has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX ) XXXX XXXX  account # XXXX XXXX ) XXXX account # XXXX XXXX ) XXXX  XXXX account # XXXX XXXX ) XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX ) XXXX  account XXXX XXXX XXXX ) XXXX  account XXXX XXXX XXXX ) XXXX  account XXXX XXXX XXXX ) XXXX  XXXX account # XXXX XXXX ) XXXX  account # XXXX XXXX ) XXXX  account # XXXX XXXX ) XXXX XXXX account XXXX XXXX XXXX ) XXXX account # XXXX XXXX ) XXXX account # XXXX XXXX ) XXXX account # XXXXXXXX XXXX XXXX XXXX account XXXX XXXX XXXX ) XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX ) XXXX account # XXXX XXXX ) XXXX XXXX XXXX account # XXXX XXXX ) XXXX XXXX account # XXXX XXXX ) XXXX account # XXXX 15 U.S.C 1681 SECTION 602A 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 1681 c. ( a ) ( 5 ) SECTION STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WGICH 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 REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIVE THAT THE INFORMATION IS INACCURATE.
Product: Mortgage

As instructed by Loan Depot LLC, I mailed a certified check on XX/XX/year> in EXCESS of my monthly contractual mortgage amount ( required monthly payment {$2.00}, XXXX and certified check was for {$2600.00} ). Instead of applying my payment towards my loan account ( # XXXX ), Loan Depot sent me a discernment check for {$630.00} ( which has yet to be cashed as Im not perpetrating fraud ). Why was the consumers cash payment not applied ( in its entirety ) towards the debit if your accounting is not evidence of fraud? What is?!
Product: Student loan

I applied for the save/repaye program before payments were about to begin. I was informed that while my app was processing, I would be put in administrative forebearance. Then I receive a statement showing I would owe {$780.00} for XXXX, which was {$500.00} more than the repaye/save quoted me. I checked the status of my application and it said it was still being processed. So I didnt understand why I would owe the old payment amount and need to start paying when the application hadnt been processed. I sent XXXX separate messages to Mohela after way too many attempts to try to call but the wait times are outrageous and I work full time with XXXX kids under XXXX. I also messaged studentaid.gov and am awaiting a response. 

I check my bank account today because I tried to use it for gas and it was declined! and I see theres a withdrawal of the {$780.00} from my account for a loan payment! I never authorized this payment! It put my account in the negative, right before XXXX and needed expenses like groceries and last minute gifts. Thats the worst and most stressful. I called my bank and asked if they could stop it because I didnt authorize that payment amount and they did but would charge me {$30.00} AND my account will continue to reflect negative until Tuesday XX/XX/26- talk about the worst. 

I need help and need people to hold Mohela accountable. This is unacceptable and I deserve better. all of us borrower deserve better and I know Im not the only one. I should be in admin forebearance until they figure their stuff out and process my app. I cant be expected to pay an incorrect amount when its not feasible for my family and the need we have. Please help. Thank you. 

What XXXX even more is Ive worked for XXXX XXXX XXXX XXXX XXXX  for over 12 years in XXXX XXXX and I cant get forgiveness because back then, XXXX loan companies lied to me and gave me incorrect info. This is all terrible way of handling borrowers livelihoods who are trying to work. Support their families and live a decent life. Im nowhere near rich and need help and advocacy.
Product: Vehicle loan or lease

TD Bank responded to my complaint and there are several inaccuracies stated. According to the documents send to me from TD Bank, states that the balance owed is XXXX however the amount reported is {$14000.00} for XXXX and XXXX for XXXX This is a verifiable inaccuracy by this company. Also, the letter states that the charge off was on XXXX XXXX, XXXX but the charge off reported on my credit report shows XXXX, XXXX  which also is reported incorrected. This clearly shows gross inaccurate reported which is a violation of my rights per 15 USC 1692e!!! I want this deleted from my credit report and I will be filling a civil liability remedy lawsuit for this negligent reporting practice by this company.
Product: Money transfer, virtual currency, or money service

On Saturday, XX/XX/XXXX, my roommate transferred me {$2000.00} using the Chase mobile banking app, as she had done many times before. I have a Chase bank account so the transfer should have gone through immediately, as it is supposed to. About 30 minutes after, I get a text from XXXX XXXX XXXX saying that my account will be credited this {$2000.00}. I do n't have a XXXX XXXX XXXX account so this was my first red flag. We both went into a Chase and they said not to worry and just to wait a few days. After a few days, we contact Chase and they say we have to contact their claims department to get the money back. My roommate does so and they deny the claim several days later, saying it went into a XXXX XXXX XXXX account and that XXXX XXXX XXXX has to do something. For the next two months, we go back and forth between XXXX XXXX XXXX and Chase trying to get our money back. Each one blames the other and both lead us on wild goose chases through a chain of phone calls. The transfer was done using XXXX, which is a third party company that Chase and many other banks use so we also contact them after giving up on Chase and XXXX XXXX XXXX. Both XXXX and XXXX XXXX XXXX say this is a Chase problem since it was done using their app and since we are both Chase customers. Chase refuses to handle it since they said everything was " done right on our end '', even though clearly not since both of us are out {$2000.00}!!!!!!! They say that it has something to do with my phone number and that even though I had updated it on the app, it did n't go through ( which i was NEVER made aware of! ) because it is linked to a XXXX XXXX XXXX account, even though I have had this number for over 1 year. Regardless, a bank transfer should never go through using someone 's phone number!!!! They make me think it is fraud so we go and file a police report with the XXXX XXXX Police Department who then tries to get in touch with both XXXX XXXX XXXX and Chase. Both banks STILL wo n't cooperate even with the police! I even called the Chase Executive Customer Service number and submit a complaint on the XX/XX/XXXX and have yet to hear back from them. They are absolutely refusing to cooperate, even though it was their app that made us lose our money. Please help!!!!!!! 
P.S. We have all our phone conversations with Chase recorded if needed for further evidence!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$5700.00} ; XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasions I have contacted the three major credit reporting agencies ( XXXX, Equifax and XXXX ). I informed them that they had incorrect information. My name was misspelled, they had aliases that I have never heard of. So much negative, misleading and false information that I would like removed. 

They have ignored each one of my letters with my request for them to validate and remove all negative information. I also provided my license and proof of address. Yet, they still ignore my requests
Product: Money transfers

I sent the money XXXX dollars from Western Union ( from a store in XXXX with Operator Id XXXX ). They did not pay my money back to my country and the status says paid. They gave me another tracking number for refund. I requested the store for a refund but they denied me to pay since the status is paid for one of those tracking number. I have been a victim of fraudulence since I was not given any reason for the refund and nor their operator knows about it. The store asked me to go to bank for the refund. I had to send money to my country for a very serious reason. I make good enough money as well. Please help me with that.
Product: Mortgage

My complaint is mainly against M & T Bank 's Loan Officer XXXX XXXX and the team he utilized to work on my home mortgage loan. In Exhibit A, the bulk of my complaint/concerns are outlined in chronological order. To date ( XX/XX/XXXX ), I have not received an apology nor an explanation or answers as to why everything fell apart at the end and why the cost of their neglect fell on me. 

M & T violated the three-day closing rule : if the final CD is changed then closing has to be pushed back three days. M & T issued a final CD on XXXX/XXXX/XXXX with closing of {$1300.00} for settlement date of XXXX/XXXX/XXXX, then changed the dollar amount the morning of XX/XX/XXXX when they noticed that they missed the processing fee ( initially {$700.00} then revise the morning of closing to {$310.00} ) for XXXX and added it ( which meant settlement [ per regulation ] should have been rescheduled for XX/XX/XXXX to give the three day change ). The contract extension ended on XXXX/XXXX/XXXX and a new extension had not been sign ( nor was possible to get signed and on the books to push closing back again ; the home was still at risk for foreclosure and an extension would have meant starting the entire process all over again with the short sale approval from the seller 's bank ). It 's inexcusable and neglectful that the M & T loan officers/underwriters were not paying attention and doing their jobs which led to missing the processing fee and then trying to tack it on at the last minute. M & T needs to assume responsibility of the XXXX processing fee and reimburse the full amount that they neglected to add when it was first noted on the XXXX/XXXX/XXXX CD from XXXX. 
( The full complaint will be attached in a PDF. )
Product: Credit card or prepaid card

I have a hard inquiry by Capital One that is negatively impacting my credit score.

I contacted them immediately by phone and they were unable to see it in their system at all bit said it would be investigated. The inquiry remains in my report.
Product: Student loan

When I signed up with XXXX, they told me and my mother that the payment was only {$50.00} a month and that it would come due 6 months after I graduated. That was a lie. It was like {$350.00} a month and no way near {$50.00}. Back in XX/XX/2009 I was supposed to graduate from XXXX XXXX XXXX. Well I took the classes as they were given to me. Even when I had a professor sleeping in class, snoring away. Plus another let go for not being certified because her credentials we're bogus. Basically wasting my time and credit hours. Graduation came around I realized that they didn't give me enough classes in time. Again, I thought the school would know when I graduated. So I went on for 3 more months. Even changed campus from XXXX/ XXXX to XXXX . Well I was told at the school when I signed up that repayment was to come due, 6 months after graduation. Well XXXX was only 3 months after. When I was to sign off on my degree in accuracy, they gave me the wrong degree, they didn't seem to me to be too professional. Three months, before I got to walk down the aisle at graduation I was called about being behind on loans. I mean 5 to 8 times a day, 7 days a week beyond graduation, for almost a year and a half. Which is harrassment. I almost sought legal action. So after graduation the economy was bad in 2009 and I was struggling to pay them. I paid off what I could. I had 8 loans and I paid off 2 of them. Then my parents had another loan that I had to pay. They ruined my parents credit because of that loan. So my parents took care of that one. Now I had five loans left best I could count. I was struggling because of no work, then my car broke down. So I put it into forbearance. I tried to pay back what I could. At this time I was looking for work and found out that XXXX XXXX was not excepted by employers because they considered it not reputable. So every job I applied to I was turned down in my field of XXXX XXXX. So I tried to look for work and it became hopeless. I am now just a blue collar guy working in retail stores. Here is what bothers me. 1 ) They closed down the XXXX XXXX when it was found out that XXXX was fradulant. 2 ) My degree is worthless. 3 ) Now I am in debt to the amount of {$38000.00}. 4 ) I have been told by these loan people to do as much as donate plasma to pay for it. ( I'm not kidding ). 5 ) I have been turned down many times at employers because of XXXX XXXX is on my resume, and it's not an accredited institution. 6 ) Now I am supposed to pay on a loan which has changed hands so many times I don't know who owns it now. 7 ) They now are taking some of my tax return. 8 ) They have been charged with fraud. Why should I pay on a counterfeit degree? 9 ) I was not some guy who dropped out. I went to the end and graduated, with a XXXX gpa. I was on the dean 's list at least 5 times. I got a plaque for perfect attendance. Even when professors where being let go because they lied about their credentials. I think I got cheated out of an education. This is why I need forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my Transunion credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order
Product: Mortgage

After negotiating a payoff amount of the loan, and sending payment on the mortgage. SunTrust has failed to send satisfaction of mortgage notice to the county clerk. I have requested of them to comply with the law and have them then quotes from the law.
Product: Debt collection

Southwest Credit Systems , L.P. ( " SWC '' ) furnished an item on my consumer report for collections. There are numerous issues with this furnishing as actual damages have been caused! I have been denied loans, lines of credit, and I have experienced defamation of character as a result! 

I sent in a dispute letter a few times, and recently received a response from SWC dated XX/XX/XXXX. The response said that as of XX/XX/XXXX, they had been contracted by XXXX to collect the debt amounting in {$710.00}. This balance is not even reported correctly to the 3 Major Consumer Reporting Agencies on the collections report ( It shows as {$710.00} ). ( This is past the statute of limitations for the state of Maryland at least 2 months of this complaint filing. ) This debt is an alleged debt, not having provide original documentation. While they provided bills from XXXX in my name, they stated they were " not obligated to produce a signed agreement as the customer is not always required to sign one to obtain services. '' As the consumer, regardless of the services or circumstances, I believe this is negligible on SWC 's part as this statement can be interpreted as " so long as service is being provided, you still owe, '' even if you didn't sign anything. That puts me in the understanding that technically ANYONE can sign up for a service in my name, with or without my consent, and I can be held liable. 

This statement goes against the FCRA and FDCPA in protection of my identity, as well as my credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living!
Product: Debt collection

On XX/XX/2018 I received an alert from my credit monitoring service that a collection was placed on my credit reports from a company called XXXX XXXX XXXX. I called and spoke to a customer service agent then I asked to speak with a supervisor. I spoke with a young lady by the name of XXXX XXXX. I explained to her that her company placed a collection on my reports that they alleged was placed with their company by XXXX XXXX. In order for the rep to look up my account she asked my name and SSC number. I told her that I would give her my name and last 4. I asked the rep what address they had. She said they had a XXXX XXXX address in XXXX SC I explained to the rep that her company claims this debt was placed with their agency on XX/XX/2018. I told her that I know the company was being deceitful because I was still disputing this fraudulent account with XXXX XXXX and the account was finally removed from my reports on XX/XX/2018, so XXXX could the account be placed with them in XX/XX/XXXX when XXXX still had it in XX/XX/XXXX and was communicating back and forth with me regarding the account, until it was finally removed due to fraud. I called XXXX and explained all this and they in turn informed me they did not place the account with anyone due to fraud and advised me to file a complaint and dispute the accounts with the credit bureaus. I informed them the address they have I have never lived at. I have never heard of this company, I never received any type of communication stating they were placing this fraudulent account on my reports. I may also sue this company for defamation and smearing my credit. This company is using illegal tactics to get consumers to pay collections that they can not validate and do not own
Product: Payday loan, title loan, personal loan, or advance loan

Hi. I was having difficulty making monthly payments. Goldman offered a payment plan and was suposed to take pmts automatically. I was taking care of other debts and didn't realize they were not taking money until I got a notice stating it was sold to a collection agency. I was confused because I didn't receive any notifications from Goldman. I continuously asked why they didn't set it up and no answers. I recently received a check from them for {$270.00} for a good will credit for not processing my account correctly. This does not resolved the damages. XXXX, a collection law firm, has entered a judgement against me as well for this. If the auto pmts were set up the series of events would not have took place.