23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XXXX XX/XX/year> still dealing with it. 

M & T gave me a provisional credit, took it back, gave it back to me but froze the monies. 

I was Locked out of account XXXX, no access to online banking, had to visit a branch for them to inform me I was removed from M & T because I was High Risk? Representative stated " maybe you had to much money in a checking account? '' I asked for information on who decided this, what department and representative had No answers, she seemed a bit baffled? I called XXXX number again and again they referred me back to a branch. No one knew anything?
Product: Student loan

In XXXX Nelnet became the servicer of my loans, which were previously being serviced by Great Lakes. I received monthly statement emails from Nelnet during the last few months of XXXX. Receiving monthly statements is very important to me because ( a ) I need to keep track of my dues and ( b ) I make immediate payments without relying on autopsy. 

Nelnet stopped emailing me monthly statements in XX/XX/XXXX. This resulted in a missed payment in XXXX. I called Nelnet on XX/XX/XXXX, to find out why I am not receiving monthly statement emails from Nelnet. Nelnet stated it did not have my email address. I confirmed with Nelnet that ( a ) my email address has remained unchanged, ( b ) provided Nelnet with my pre-existing email address that it had on its files, ( c ) ensured that no email from Nelnet was being filtered by XXXX, and ( d ) I had enabled such that emails from Nelnet will be considered as trusted contacts such that it will be less likely to be marked as spam. 

During my lengthy call with Nelnet in XXXX, I was assured multiple times that I would begin to receive monthly statement emails from Nelnet. I still do not receive monthly statement emails from Nelnet. 

As I had mentioned before, I missed my XX/XX/XXXX payment because Nelnet did not send the XX/XX/XXXX statement email. I made both XX/XX/XXXX and XX/XX/XXXX payments during the phone call with Nelnet in XXXX. Note that after making these payments, I did not receive payment confirmation emails from Nelnet. 

Despite Nelnet 's assurances, I did not receive the February 2023 monthly statement from Nelnet. This resulted in a missed payment in XXXX. 

It appears that Nelnet is not taking matters seriously when it comes to alerting accounts of bills. Nelnet phone representatives are less than enthusiastic when it comes to taking complaints and resolving complaints. Please step in and make Nelnet send monthly statement emails such that I and other account holders at Nelnet do not end up paying late fees due to Nelnet 's incompetence and/or negligence.
Product: Consumer Loan

I enrolled into ACH with Tidewater Finance back in XXXX. Due to a missing debit card in XXXX, I had to cancel my card and made a priority to notify all my creditors with autopay of the change. Per Tidewater 's request, I had to now provide a routing/checking # instead of a debit card. Which I did about 2 weeks before my ACH date on XXXX of 2015. Unfortunately, their system has continued to fail to withdraw my account for months now and my payments have been late. I 've accumulated late charges and interest none the less with a high APR due to their consistent issue. Not to mention, through the loan I 've received collection calls and emails when I 've had Automatic Draft set up with their system. I 've had to take time off from work to address their continuous issues and loose money in the process as the Per Diem assesses.
Product: Debt collection

I have been receiving spam calls from different numbers multiple times a week that all have the same name listed on them per my attachment. The only contact that I have with anyone with the name shepherd is with this debt collector shepherd outsourcing. When I answer the phone I am met with silence. When I hang up and try to call them back the line will either just continue ringing for 10 minutes or will hang straight up. Not only was this debt paid by insurance back when I went to the emergency room, but it had already been settled with one of the previous debt collectors and is apparently still being passed around trying to get more money. I am also on the national do not call registry and really do not appreciate getting all of these calls.
Product: Credit reporting or other personal consumer reports

I obtained this personal loan in XXXX of XXXX. I did not go through XXXX XXXX 's main website. At the time I used XXXX XXXX to apply for the loan. XXXX XXXX was the one that came up. They approved me for a loan and I paid for the loan, no problem up until now. 
I did what most people do, just pay the loan off as normal, making the minimum payment. Despite XXXXXXXX XXXX XXXX high interest rates and most of the money going to interest, never had an issue paying on time. I kept up my agreement of the loan. Even in two years time, I have paid a significant amount to this loan. 
Fast forward two years later. What I learned, I probably would have never caught if it weren't for the next chain of events. I applied for a home loan with another institution in XXXX of XXXX. XXXX XXXX does not do home loans I believe. They pulled my credit to see where my debts are. The representative of the bank told me everything was good to go. She did not see this error on my credit report. It was only caught by the underwriter. They saw that the XXXX XXXX loan was not updated since XXXX of XXXX. Of course they questioned it and wanted to know what's going on with this loan and what is the actual amount of the loan. The bank for the home loan used a third-party verification company to verify the loan because it was not updated in over a year. The verification company got a hold of someone at XXXX XXXX, who told them over the phone that my loan was paid in full, closed, and in good standing. But when Iogin to the website, it shows a balance that I owe. 
One thing I want to point out is that XXXX XXXX keeps a banner on their page saying it's upgrading their system. This has been on their site ever since I have gotten this loan. So at least two years and counting. The not reporting the credit bureaus is one thing, but telling a third-party verification company that my account is paid in full is a bit suspicious. It would be one thing if I was close to finish paying off the loan and the system needed time to update, but that's not the case for me. 
I have a copy of the verification companies report they gave to the bank because the bank gave it to me and it says what XXXX XXXX told them via them calling XXXX XXXX 's XXXX ( XXXX ) number.
Product: Credit reporting or other personal consumer reports

i requested for them to remove accounts i dont recognized and addresses and was only givin info to resend my info and i havent heard anything back over 30 days.I was never shown any documention with my signature or nothing.I have sent letters to all three XXXX XXXX XXXX and experian example is XXXX of the latters that was sent to me from all three and i sent them docs but never heard back.
Product: Credit card

XX/XX/XXXX I was notified of a fraudulent charge of XXXX dollars this was blocked. And I noticed 3 more charges of XXXX XXXX XXXX Appeared on the card. All were made without authorization or the use of my card.
Product: Mortgage

XXXX my wife at the time missed XXXX payments, which Wells Fargo started foreclosure. When i found out about this, I called, paid all missing payments over the phone. Then XXXX  years later, my wife had an affair and left me and the kids. We both filed XXXX  XXXX, and was XXXX. I was able to save the house, and got her off any claim of ownership. My attorney said to not sign the reaffirmation agreement because know one was sure how long the recession would last. During that time, XXXX to XXXX, Wells Fargo did not report my payments to the credit bureau, which all payments were made on time, just like in the past before she skipped XXXX payments. I owed XXXX in XXXX, and paid it off, .so now I own the house with no debt. The house was valued XXXX during the recession and worth over XXXX now. XXXX is a bad bank, I don't recommend them to anyone. Not sure if they owe me money or not, but they did make my life XXXX during XXXX to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681- Congressional findings and statement of purpose ( 3 ) Consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their GRAVE responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b ( a ) ( 2 ) - permissible purpose of consumer reports Equifax has violated my privacy and consent. They assumed a vital role in assembling and evaluating consumer credit and did not exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. 

Equifax never requested or obtained written instructions from me to use my information
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. I have been patiently waiting on JPMCB XXXX 's response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my credit report : ( JPMCB CARD XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be deleted immediately. 

XXXX XXXX /XXXX XXXX XXXX {$810.00}, XXXX  XXXX/XXXX  XXXX XXXX  XXXX XXXX {$590.00}, XXXX XXXX # XXXX {$1000.00}, XXXX # XXXX {$82.00} INQUIRIES : XXXX  XX/XX/XXXX, XXXX  /XXXX  XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX , XXXX XXXX  XXXX XXXX  XX/XX/XXXX , XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX XXXX
Product: Credit card

On XX/XX/XXXX, CitiBank transferred {$20000.00} from my Citi credit card account into my XXXX XXXX XXXXXXXX checking account. This was without my knowledge, and I have no idea how they got the information about my accounts. On XX/XX/XXXX I received the following email. 

Dear XXXX, I am writing to inform you that I mistakenly transferred a sum of {$20000.00} to your XXXX XXXX XXXXXXXX account ending in XXXX on XX/XX/XXXX. This was a clear error and intended for a customer. 

Please kindly let me know how soon you can help return the funds for me to send account information as soon as possible. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX Bank Name : Citibank Address : XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, IL XXXX. 
( Remittance Director ) E-mail : XXXX I responded that this was up to the banks and I would not resolve it by text and email since it appears to be a scam. 

I got more emails from XXXX including the following on XX/XX/XXXX. 

I am sorry I have to report this. There is no way I can refund this when I am too sure you have it and don't want to refund it and will look at me losing my job and still being in debt. I filed a case with the FBI today ; the letter is in the attachment. 

-- -- On Wed, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX wrote -- - This was a typo on my part, XXXX. I implore you to assist me as much as you can ; failing to do so may result in the loss of my job and further debt since I will be required to repay something I do not have. I implore you to assist me. 

The FBI submittal is attached. 

I never responded and I paid back the {$20000.00} but Citibank is charging me interest. I have called their security line 3 times, canceled the credit card account used, and have heard nothing back. I also submitted a summary to XXXX on XX/XX/XXXX, with no response or acknowledgement. I appreciate any help you can provide, I have spent too much time trying to get some sort of response out of CitiBank and hopefully you can get them to explain what they are doing and if this is a scam. 

Thanks you and regards, XXXX XXXX
Product: Checking or savings account

I had an account with BBVA. I called over the phone to close the account down due to some financial difficulties. The representative stated she would close the account. Three months later I discovered BBVA did not close the account. Instead the charged me NSF fees and monthly service fees. BBVA has now sent my account to collections. I am disappointed by BBVA. I plan to let everyone know of its unethical business practices.
Product: Credit card or prepaid card

I have unauthorized transactions in my account and I have tried to get the problem resolved with the company and they have been giving me a run-around about fixing the situation by avoiding my mail and giving me dead-end conversations on the phone. I have documents supporting this claim, they put the wrong email in from the beginning. Thats why I couldnt see what was going on in my account, and thats why I think something fraudulent is going on.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and EQUIFAX is reporting a late payment and shouldnt be according to 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. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, XXXX XXXX  reporting illegally aged account.

XXXX XXXX XXXX  XX/XX/XXXX TRUST These agencies all show a loan from XX/XX/XXXX on my credit report, which was last paid on XX/XX/XXXX. There were no more payments after that date. The loan was sold to XXXX XXXX within the past few years.

This is an old debt, over 10 years old. The original loan company ( XXXX ) went bankrupt.

But XXXX XXXX re-aged the debt to XX/XX/XXXX, and recently placed it at all 3 credit bureaus.. This is completely illegal, any debts with over 7 years since last delinquency, must be removed from credit report.

This illegal reporting has ruined my credit and prevented me conducting business with certain companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regard to the incorrect items on my credit report. It has been well over 30 days, and I have not received any investigation results
Product: Debt collection

I made a payment on XX/XX/XXXX based on a settlement agreement amount that both me & & Target/TD Bank agreed to in order to settle my target card account. After making the payment, the creditor confirmed receipt of payment but, refuses to give me a settlement/paid in full letter. I have called everyday and keep getting the runaround. I need the letter immediately since I am in the process of making a home purchase and I will lose the house if I dont receive payment. I wired the money to Targets collection agent XXXX XXXX XXXX XXXX XXXX and receipt of payment was confirmed so, I need the letter immediately
Product: Checking or savings account

Wells Fargo started a " day before direct deposit '' availability of funds. On XX/XX/23 they recorded a {$8300.00} payroll deposit, intended for XX/XX/23, available for use. I used those funds for transfers on XX/XX/23. On XX/XX/23, I was charged a {$5.00} service fee for going below the minimum daily balance of {$300.00} to waive service fees. Apparently I had access to the funds, they appeared in my available balance, but they didn't count toward the daily balance. This makes no sense at all and I feel I have been tricked into paying more fees. Not happy.
Product: Credit reporting or other personal consumer reports

I disputed via US mail a dispute with XXXX XXXX XXXX on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>, 4 out of the 5 submitted disputes they sent me stall letters indicating I wasn't the one who submitted the dispute although I provided copy of my license social and proof of address with my letters, I also sent them copies of the paid off letters from the creditors XXXX XXXX and XXXX XXXX XXXX collecting for XXXX  XXXX. Still as of the date of this letter, nothing has been done on my consumer report to accurately report information provided to them from these companies and myself. 
This is a violation of the FCRA and needs to be fixed immediately, I am providing the supporting documents sent to them. 
I also received stall letter from Trans Union
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I will like to first inform you I am the properly authorized consumer and I am submitting this dispute on my own without any third parties, with the intent to not be discriminated against for exercising rights and applying the federal laws put in place to protect me the consumer. This is a response to the claim XXXX XXXXXXXX Equifax has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPB that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services. The following Tradeline in the resolution section have committed Constructive Fraud on my consumer report, which violates the FCRA & FDCPA. Online Information Services is using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C.1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required : * Purchase Agreement * Evidence that you are a licensed debt collector *Chain of Title *Proof that you are license debt collector to collect in my state. * A requested copy of your XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210.This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Equifax response they stated Information has modified which mean the failed to comply with the FCRA under 15 USC 1681e ( b ) ensuring maximum possible accuracy when preparing my consumer report causing damage to my financial reputation. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have these trade lines deleted from my consumer report.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX  Balance {$1800.00} Open Date XXXX XXXX, XXXX XXXX DEPARTMENT OF EDU Balance {$0.00} Open Date XX/XX/XXXX inquiries XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX  XXXX XXXX Date XXXX XXXX, XXXX
Product: Money transfer, virtual currency, or money service

When funds are supposed to be available 3 days after transfer, its taking 10 days in actuality for Marcus/Goldman Sachs to do so. 

See the attached Instant message exchange I had with Marcus to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

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  ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reason : [ 3 UNWANTED INQUIRY NEED THEM REMOVE. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX
Product: Money transfers

PayPal ( XXXX ) XXXX. is in breach of their own policy. My account has been limited for 180 days on XX/XX/2016. 180 days have passed and PayPal is still not allowing me to withdraw my money. They have requested Proof of Address, I have provided it, yet they are still delaying the release of funds. They said that my documents have been approved in their system, but that I ( still ) have to wait for someone from the Compliance Team to check them. I called them numerous times and every single time their reps tell me different things. I have no idea who to trust anymore. I do not want to wait any longer, 180 days are off, I need my money!