23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Hello, I would like to file a formal complain against the student loan repayment company, NelNet. Their customer service seems like it is non existent and their website does not allow for the borrower to complete certain critical tasks. The task I would like to complete is to change the type of repayment plan I am using. This is a very important part of my repayment and affects my finances. They do not allow borrowers to change the repayment plan online through a self service portal. Instead, you must contact them. I have tried calling the company on four separate occasions throughout the months of XXXX and XXXX to be put on hold for 40-60 minutes each time. I have other obligations in my life besides sitting on hold, so I can not sit on hold for longer than this amount of time, so I eventually give up, which is I'm sure what they are hoping borrowers will end up doing. Further, I have emailed three separate times through the email form on their website and have never gotten a reply ( I waited at least 10 days between each attempt ). I also found a separate email address, XXXX, and have tried contacting that. I received an automatic reply that my question is something that they could not answer, which doesn't seem right, as the auto reply must've not even read my original email. Then, I tried another email address that I found on their website, XXXX, and asked the same question. I finally did get a reply from this email address but it was not helpful and they asked me clarifying questions that I already answered in my original email. Regardless, I answered their questions and explained my deep frustration and urgent need to change my type of repayment plan. It's been 12 days since I've heard from them and I suspect I will not hear back from them at all, just like what has happened for all my other attempts. Their lack of response and care for borrowers seems criminal. I need to change something with my loans and they don't allow for me to do it by myself and they make me rely on their customer service to do so, but then they never get back to me or answer the phone. How is this okay? How is this allowed? And, if i were to just stop paying the loan, then it affects my credit. It's really unfair, and extremely frustrating. I really need help and am requesting that this complaint gets sent to the company so I can get help from their customer service to change my loan repayment plan. 

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

In accordance with the Fair Credit Reporting Act ( FCRA ), the list of accounts below/attached has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 15 U.S.C. 1681 section 602 A States I have the right to privacy. 15 U.S.C. 1681 A. section 604 A States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAD A COLLECTION NOTICE ON MY CREDIT REPORT. BUT IT WAS AN UNORDERED DEVICE SO, BY LAW, I WAS ENTITLED TO KEEP IT AND CONSIDER ITTO BE A GIFT. THE CREDITOR MADE IT IMPOSSIBLE FOR ME TO RETURN IT. WHEN A LETTER FROM A DEBT COLLECTOR ARRIVED, I WAS EXTREMELY UPSET. I FOLLOWED THE ADVICE FROM THE CFPB AND SENT A DISPUTE LETTER, THE DEBT COLLECTOR REPORTED IT TO EXPERIAN AND XXXX. ( XXXX : XXXX WAS FROZEN. I ADVISE ANYONE WHO GETS A DEBT COLLECTOR 'S LETTER TO FREEZE THEIR CREDIT REPORTS ASAP, SO IT CAN'T BE REPORTED. ) MY CREDIT SCORE DROPPED BY XXXX POINTS OVERNIGHT! I'D BEEN PLANNING TO MOVE, AND THE COMPANY, WHO I'LL CALL SCAM CENTRAL, WAS IMPOSSIBLE. I EXPLAINED WHAT HAPPENED TO XXXX, AND THEY DELETED THE ENTIRE NEGATIVE NOTICE. BUT EXPERIAN WA GIVING ME A HARD TIME. I WAS GOING GTO COMPLAIN TO THE CFPB TOMORROW, BUT I JUST LOOKED AT MY EXPERIAN CREDIT REPORT, AND MY SCORE JUMPED XXXX POINTS. HIGHER THAN BEFORE THE DEBT WAS REPORTED. EXPERIAN DELETED THE COLLECTION FROM MY REPORT, AND I WANT TO THANK THEM!
Product: Credit reporting or other personal consumer reports

I've tried many times to resolve the issue with XXXX  they are ignoring my request. 
i tried sending verification letters to Transunion, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX : {$0.00} XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX Balance : {$7000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$15000.00} XXXX XXXX Balance XXXX {$7000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have a business called XXXX XXXX, I tried applying for a business line of credit. 
BOA used my credit score but refused credit. 
They had done this one year before, at that time my credit was XXXX and when I applied for credit now, my credit was XXXX, yet they refused without giving reasons. 
That caused a hard inquiry to lower my credit card. 

BoFA has used past history to treat me with bias with AI-based scores.
Product: Debt collection

I received notice that a law suit by Ohio Att General was filed. After I did my research I show the filing amount for the document is {$1600.00}. I reached out to and was advised I was being sued for the total amount of {$6400.00}. This was confusing to me as the court website appeared different. I advised it was impossible to pay the full amount and wanted to look into my options to avoid court as my state taxes have been taken since 2018 to be applied to this debt. I inquired about options and informed I will have wages garnished due to another judgement against me and I was not sure how this would effect me. Each time I mentioned wanting to know options to resolve in avoid court I was asked what I could afford. I explained my yearly tax returns are my extra money and being that they were already being applied I thought that would be okay. I inquired about a possible settlement and was informed that they wouldnt even know what would be acceptable settlement. I was informed to wait until Im served with the court notice and call back in a week or so. I felt that the attempt of collecting more than what appears on the court website as filed is misleading and unfair. I feel that since payments are being taken from my taxes over 4 years the act of still suing is unfair practice. I feel that telling me options are available but not providing those options and insisting on waiting until Im served is unfair and misleading. I was informed total debt owed to original provider was close to {$5500.00}, I was informed since 2018 {$600.00} plus interest has been billed and since 2018 a over {$1000.00} has been taken still owing {$6400.00}.
Product: Credit card or prepaid card

On the day I received my Social security XXXX check I had a negative balance due to fraudulent charges with Comerica bank/direct express. I immediately filed disputes for over {$1200.00} dollars. After almost three weeks nothing is resolved and I have not even received a provisional credit which is my legal right to receive in 10 days from the date of dispute
Product: Money transfer, virtual currency, or money service

I posted a XXXX 'XXXX XXXX advertisement for concert tickets and a potential vendor called me saying he would transfer the tickets over to me, as soon as I provided him {$70.00} for the first ticket via PayPal. He stayed on the line, but eventually hung up and never sent over the tickets.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian charged my account without my providing them with my debit card or banking account information!!!! I want to know where they got my banking information from in order to charge my account without a request or my authorization?!!! 

This was done electronically and it is very scary to know that a company can just go into my account without my providing the banking information and authorization.
Product: Checking or savings account

I set up a business bank account to transfer funds to my Synchrony Bank personal account. Evidently this is not allowed but I was not told that is was not permitted. Synchrony deposited two small amounts to verify the account and the account was accepted by Synchrony. I then tried to transfer {$50000.00} to my synchrony account from my XXXX XXXX account. The transfer was not allowed but the {$50000.00} was removed from my XXXX XXXX account but not placed in my Synchrony account. I don't know where it went but in about two weeks, the {$50000.00} was replaced in my XXXX XXXX account. 

The problem is that Synchrony Bank now has my savings account on restriction and will not let me access the funds ( XXXX ). I have called every week for four weeks and been told that the issue has been expedited but as of this morning, the account is still on restriction.
Product: Payday loan, title loan, personal loan, or advance loan

I got a self installment loan to build credit. U dont actually get the loan until XXXX paid every installment. Halfway thru XXXX hit and I was forced to close my account because I lost my job. I did, and recieved a check for the remaining balance. I also had a secured card with them i closed that account to. The balance was paid in full with my collateral. They market like they help credit but they have XXXX seperate negative accounts listed on my consumer report. All for different amounts and different negative payments and its like I owed them money which I never did, during any part of my relationship with the company. Its predatory to say the least
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 have 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

On XX/XX/XXXX the state of XXXX filed a tax lien against me. This lien has been reflecting on my Equifax and XXXX credit reports for the past several years. 

I am an XXXX, between XX/XX/XXXX and XX/XX/XXXX I was XXXX in XXXX. During that time I had moved to XXXX different residences due to work. I did not receive notice of delinquent taxes during my XXXX in that state. Nor did I receive notification of delinquent taxes after moving to XXXX on XXXX in XX/XX/XXXX. 

At this point I do not have tax documentation from XX/XX/XXXX through XX/XX/XXXX and will gladly pay the debt to satisfy the issue as it is unnecessarily damaging my credit. 

I never received proper notification of the debt, and am writing to kindly request the tax lien be withdrawn, and I be allowed the opportunity to pay the debt. In addition I ask that Equifax, and XXXX remove that negative information from my credit report. 

I have contacted the XXXX State Department of Assessments & Taxation in an attempt to remedy the issue however was not successful. 

Tax lien information : Case/Docket # XXXX Court : Circuit Court for XXXX County Court Address : XXXX, XXXX XXXX Thank you in advance for any support you can provide.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and I noticed some inaccurate on my report
Product: Checking or savings account

Cash app decided to randomly close my account for no reason after having all my personal Information ( social, routing/tracking number, ID, and address ). 

They have no support number and only reply with a terms of service email when you contact there support option. This borderline fraud and stealing personal information without access to my account or a representative. Contacted them over 5 times on email to no avail.
Product: Checking or savings account

My account was overdrawn several times due to the bank not having my accurate amount in my account. When money was deposited into my account they was taking it out without my permission.
Product: Credit card or prepaid card

I received a Visa gift card from a former employer. This particular card was never activated and BB & T is telling me it was and they have taken XXXX in so called maintenance fees. I found the card yesterday and it has never been used. I had another gift card for the same amount that was used, but not this card. I do not activate these cards until I am ready to use them based on past experience. When I called customer service, all I wanted to do was see if I could reactivate the XXXX since it just expired on XX/XX/XXXX. Then one person told me it was activated in XXXX. Another person said it was activated in XXXX and that XXXX in fees had been take out due to non use. I never activated this card. This is a gift card. There should be no maintenance fees on a gift card that was never activated or used. I tried talking to a customer service person and a supervisor on XX/XX/XXXX and they refused to help. I just want the XXXX back on the gift card so I can use it. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you of my intent to initiate arbitration proceedings to resolve the disputes concerning my credit report, which have not been adequately addressed despite prior attempts to rectify the situation through the conventional dispute resolution process. On XX/XX/2023, I received communication from XXXX stating that they conducted an investigation into certain derogatory accounts listed below on my credit report and subsequently REMOVED them from their records. I am kindly requesting your company to take the appropriate steps to DELTE these items. On XX/XX/2023, I submitted a formal dispute regarding several inaccuracies on my credit report. These inaccuracies have had a significantly adverse impact on my creditworthiness and financial standing. The disputed items include, but are not limited to : Account Name XXXX XXXX Account number XXXX ( date last activity, Date opened, past due amt, closed date all incorrect ) Account Name - XXXX XXXX Account Number- XXXX ( date last activity, Date opened, past due amt, closed date all incorrect ) Account Name -XXXX XXXX  Account number XXXX ( date last activity, Date opened, past due amt, closed date all incorrect ) Account Name -XXXX XXXX XXXX Account number XXXX ( date last activity, Date opened, past due amt, closed date all incorrect ) Account Name -XXXX  Account number XXXX ( date last activity, Date opened, past due amt, closed date all incorrect ) Account Name XXXX, XXXX Account number XXXX ( date last activity, Date opened, past due amt, closed date all incorrect ) Account Name XXXX, XXXX Account number XXXX ( date last activity, Date opened, past due amt, closed date all incorrect ) Account Name XXXX XXXX ( debt collector is illegally contacting me ) Account number XXXX ( date last activity, Date opened, past due amt, closed date all incorrect ) Account Name -XXXX  Account number XXXX, XXXX ( date last activity, Date opened, past due amt, closed date all incorrect ) In accordance with the Fair Credit Reporting Act ( FCRA ), credit reporting agency is mandated to conduct a thorough and timely investigation into these disputes and provide a written explanation of the investigation results within 30 days. Regrettably, the investigation conducted thus far has not resulted in a satisfactory resolution, nor have I received a detailed written explanation of the results, as required by law. Please Delete these accounts now, or I will have to start the arbitration process through the courts for the multiple violations that has been committed. Credit report should be 100 % accurate. 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 states : a consumer reporting agency can not furnish a accounts without my written instructions. 15 USC 1681 ( 602 ) ( 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.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I made a purchase of two items on Wayfair.com for a total of XXXX USD ( Order Number XXXX ). I agreed to use the service of a company named Klarna, which offered to lent me the money for this purchase and allow me to repay in 4 bimonthly installments of XXXX USD each with no interest. 

I returned one of the items ( original cost of XXXX ) to wayfair shortly after and the confirmation of the return was received on XX/XX/XXXX by that company. 

XX/XX/XXXX, Klarna contacted me to let me know that a return had been reported and payment schedule paused. 

XX/XX/XXXX : Klarna emails that there is no confirmation of return from XXXX had been received. I responded with the information they requested to confirm such return. 

XX/XX/XXXX : Klarna writes that they received formal confirmation of return from XXXX and informs that a refund for the payments made will be scheduled for the next 5-7 business days. 

XX/XX/XXXX : XXXX issues refund for XXXX USD to Klarna and emails me about it. 

XX/XX/XXXX : Klarna takes XXXX USD from my account XX/XX/XXXX : I email and inform them of the mistake, and request a refund for the XXXX payments ( XXXX USD minues the cost of the XXXX item I kept, for XXXX USD ) XX/XX/XXXX : Klarna informs that a refund for XXXX USD has been issued and to expect it within the next 5-7 business days and ends with a note of " no outstanding balance due ''. 
XX/XX/XXXX : I email explaining again that the refund does not correspond to the amounts that must be refunded, and that instead, they just withdrew XXXX. They repeat the answer from the previous email and suggested me to contact XXXX for the return. 

XX/XX/XXXX and XX/XX/XXXX : Klarna writes requesting me to contact them only if I " have new information regarding this matter '' Klarna never refunded the XXXX mentioned or any of the rest of the payments made. 

Please help.
Product: Prepaid card

I purchased a {$100.00} prepaid card from US Bancorp through XXXX which uses the XXXX website. 

In order to use the card, US Bancorp states you must register your name and address. The website on the back of the card - XXXX - will not allow me to sign in and register my name and address. I called the phone number on the back of the card and asked to register my name and address as they require, but they will not do so over the phone. They say you must use an automated system, but when they transfer you, there is no option to register using the automated system.

The fraud that US Bancorp is perpetrating : requiring you to register your name and address to use a XXXX prepaid giftcard, but not actually allowing you to register your name and address through any means ( website or phone. ) They then decline 100 % of transactions and steal your money.
Product: Mortgage

I was approved for a COVID forbearance program ( XX/XX/XXXX - XX/XX/XXXX ) by my lender, Huntington ( XXXX, Ohio ). Once the forbearance period was complete, they provided an application for payment readjustment. I completed that and returned it in XX/XX/XXXX. I also began making the regular monthly payments on XX/XX/XXXX. They subsequently had asked me for further documentation to accompany my application ( most of which is not even available ), and I provided an explanation via email why that documentation is not available. When I continually received no response to that particular email, I followed up with at least four emails and a couple telephone calls. Apparently, they decided that my application was incomplete and turned my account over to foreclosure without my knowledge. While they stated that a letter was sent, I DID NOT RECEIVE ANY COMMUNICATION from them -- via mail or to any of my emails -- that my application had been rejected. The ONLY information I received ( by mail ) was another blank application to complete, the same application that I had already completed and was confirmed to have been received by Huntington.

Meanwhile, I had been receiving an occasional notice from the foreclosure department all during the forbearance process. I was consistently told that such notices were normal and to ignore them. Also, my last two payments toward my mortgage were rejected. My last verbal communication with Huntington about the forbearance program resulted in being told that there was nothing that could be done by the forbearance folks because foreclosure had the account. I was also told that I needed to complete another application, apparently for loss mitigation. Meanwhile, they want full payment for the forbearance program along with the two recent payments that were rejected. I did receive, by mail, a letter regarding this, but it came from the foreclosure folks, not the forbearance folks. Unfortunately, I did not immediately react because of all the times I was told it was standard during the entire forbearance process. 

I did complete the loss-mitigation application and sent that via email this morning ( XX/XX/XXXX ). Because I'm not certain how the process works, I am in jeopardy of losing my home. I feel that Huntington was negligent in their communications, and what communication they did provide was ambiguous. I also feel that they have taken advantage of the situation. I am XXXX XXXX XXXX and have significant equity in my home with only 11 years left on my mortgage. If foreclosure would occur, it would only benefit them. 

I find it frustrating ( if not fraudulent? ) that I can be approved for the COVID forbearance program because of a hardship, then expected to immediately pay back that amount as if the hardship never existed. In my experience, the COVID forbearance program presented a beneficial situation for the lender and not the borrower. 

I am attaching the emails I sent to the individual who supposedly oversaw my account. I NEVER RECEIVED ANY COMMUNICATION from her. I think that the lack of communication from Huntington is evident by my consistently trying to reach out to her.