23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I have been unable to communicate with the company regarding how my payments are being applied to principal and interest. I have not been able to get an updated amortization schedule of my payments, even though I 've contacted them by both phone and email several times. The customer service center has been unable to even tell me how my upcoming payment ( s ) are going to be applied. I 've been told when speaking to the customer service center by phone that there is no department available for me to escalate this to by telephone and that I must email. I have emailed the address they provided four different times and have received no response whatsoever. The company tells me that because I changed my payment date ( allowed one time during the life of the loan ) that they no longer have the ability to amortize my loan and I can only find out how my payments are being utilized ( P & I ) after the payment is processed. The level of this company 's apathy to my requests is unbelievable. I make my full payments, I 'm not concerned about the amount of the payments as I was aware of that when I took the loan ; I am just trying to understand where my money is being applied so that I can better manage and understand when and how much is going to work best for me if I can make an extra or larger payment to help me pay this off sooner. 

The company did send me a transaction history, but this has no future payment schedules showing. This was in response to my request for the amortization schedule. I just find it hard to believe that as a financial company, selling financial products, that they have any kind of inability to see an updated amortization schedule. They have one - they just are not willing to share it - as they know and have calculated how much they can make from the loan they gave me. Please help me get the requested information from them.
Product: Checking or savings account

My account was randomly changed and cheated by the supervisor and customer service of the electronic funds transfer department, and my online banking was locked. They told me that my transfer can be transferred after a while. I did all the verifications and was rejected in the end. The bank was locked. When I told them that it was locked, I asked to unlock it. They told me to go to the bank to deal with it. I am not in the United States and told them. They said that my account has security settings. This setting is my own to prevent theft. Now The reason why it became impossible to unlock. During this period, the translator and the customer service supervisor were playing hand in hand. I didnt help me translate the translation, and it wasnt what I said. They were exposed by me later, and they hung up the phone. Since your bank is unwilling to help me, I ask. Close my account and transfer the money to another bank account Going to your bank will only cause me a lot of trouble I don't want to unlock my account now I request to close and transfer the money to my other bank immediately Thank you this is being accepted What do you bank force me to do?
Product: Credit card

XXXX XXXX XXXX XXXX XXXX issue correspondence ( verbal/written ) to collect a credit card debt from Capital One ( Acct **************** ) when I informed them I do not have a Capital One credit card issued to me, nor activated by me. The Credit Report Agencies have been notified that I failed to pay on a debt " which is in default. '' This action is in violation of PL XXXX.
Product: Debt collection

On or about XX/XX/2018, I XXXX XXXX received a letter from Diversified Consultants , Inc. a debt collector ; It was my understanding that the debt would be deleted from the three ( 3 ) credit companies. Based upon the correspondence with Diversified Consultants the out come was what had not been agreed to ; I were under an understanding that the debt would be deleted ; however, after releasing the funds, I was further told to check my email for a correspondence letter. Please see : Creditor : XXXX Agency Reference Number : XXXX ; Account Number : XXXX.
Product: Vehicle loan or lease

I have disputed the late payments on my old car loan several times and each time I get a response from XXXX XXXX that they have asked wells fargo to fix the errors but they never do. I also sent a fax, as wells fargo customer service refused to provide any other contact method besides paper mail. I sent that on XX/XX/XXXX and still no response to my request. Every time that I had an issue with payments, I would call and speak with a wells fargo customer service rep who assured me that notes were placed on my account and that I would prevent my credit from being impacted. I was never more than a few days late and it was sporadic never consecutive. 

30 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Checking or savings account

First Republic Bank aka J.P. Morgan Chase Claimed overdraft of {$5.00}, closed account in early XXXX. Was assured that there were no outstanding charges or debts and that I could close my account. Teller processed my bank account closure, shredded my card, all proper procedures should have been followed. My checking account is still not closed and as of now may still incur overdrafting fees. I am frustrated despite having supposedly closed my account several weeks prior. I also called several times to ensure that my account would be closed ; despite promises made by bank customer support, I was never called back and my account remained open. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXXC Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I received communication from my mortgage provider that my home owners insurance had expired and that they would seek to provide coverage that would be more expensive and less coverage than if I would be able to obtain on my own. I cancelled my policy at year end of XXXX with XXXX XXXX and went with a new insurance provider ( XXXX ) for this year XXXX. There was some mis-communication between my new insurance provider and my mortgage lender. My mortgage lender never received the new policy. I was first contacted by them through mail sometime in XXXX and they had instructions on how to upload my new insurance info through the 3rd party website XXXX which I went and completed. I thought everything was good until XXXX when my new bill for XXXX went up by {$150.00}. I called on XXXX, XXXX, XXXX & XXXX trying to resolve this issue and I asked them to also remove my insurance from being calculated in the escrow account as I will be paying them directly as I have starting this year. All those phone calls, the rep couldn't help me. They gave me email addresses and websites. I tried multiple times to upload my insurance information and sent emails with no return response and my mortgage payment is still increased by {$150.00} and my account still shows my expired insurance policy.
Product: Credit reporting or other personal consumer reports

I originally reached out to the creditors on XX/XX/year> asking to remove these inquiries that I did not authorize, as well as sent a FTC report. I did not receive any correspondence nor were the inquiries removed. 

Pursiant to 15 USC 1681b ( c ) ( 3 ) : a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Debt collection

They call every day, sometimes twice in a day.I tell them it 's a new number from XXXX and that they want the former owner of that number.They always say sorry and that it well stop.But it does n't.
Product: Checking or savings account

Chime has been a horrible experience. I submitted a dispute with them because my wallet was stolen. They denied my disputes within minutes of them being submitted. They dont want to provide me with any information. I received text messages about the withdrawals and replied No I did not authorize any of those transactions. Their response was that the funds will NOT be pulled from my account. Well, the funds were pulled and they will not refund me the money. Please help!
Product: Credit reporting or other personal consumer reports

XX/XX/year> - this is the date that I finally got fed up with my repeated attempts to reach a human representative at Experian credit reporting. I used the website BOT which gave me a phone number to reach an agent. The number was answered by a BOT. The BOT would never pass me to a specialist, a human, a customer service agent, or customer service, or representative, or any other words to indicate I needed a human. I want to add a consumer personal statement to my credit report. The website has NO place for me to add a Consumer personal statement. The website has NO email address to ask that my consumer personal statement be added to my credit report. The BOT on the website finally responded with a second phone number since I kept responding to the BOT with a thumbs-down icon. The second phone number answered with - you guessed it - a BOT. That BOT gave me two choices to select. Neither choice was what I needed. One choice was to hear a webpage address and the other choice was to get an email with the webpage address that doesn't have the information I need. Both BOTs at both phone numbers hung up on me when they couldn't understand the string of words I put together that represented a human. Experian needs to hire people and not use BOTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed an FTC Report for the infringement upon my privacy and I demand deletion of these accounts in pursuant to 15 usc 1681c-2 block of information resulting identity theft.
Product: Debt collection

I sent Transworld Systems Inc a letter on XX/XX/XXXX, to the address reported on my credit report. That mail was returned to me. I don't know who they are or why they are on my credit, and now I can not request validation of the debt pursuant to the FDCPA. They have reported incorrect information on my credit report, substantially in the form of THEIR OWN ADDRESS! They are required by law to report 100 % factual information, can they be trusted to do this when they can not even update the credit bureaus with their own address?
Product: Credit reporting, credit repair services, or other personal consumer reports

Calvary Portfolio Account # XXXX has violated my rights by : 15 U.S.C 1681 Section 602A : states I have a right to privacy. 

15 U.S.C 1681 Section 604A section 2 : states a consumer reporting agency can not furnish account information without my written consent or instructions. 

15 U.S.C 166b A : states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

15 U.S.C 1692C : states a debt collector may not communicate with a consumer in connection with the collection of any debt. 

15 U.S.C 1692G : states debt collector will obtain verification of the debt or copy of judgment against consumer and will be mailed to the consumer by the debt collector, at the consumer 's written request. 

I have no knowledge of this alleged account and request extensive proof of debt. This is an FCRA 15 U.S.C 1681 602A, 604A, 166bA, 1692C, and 1692G violation. Proper consumer practices were not adhered to and proper notification was not complied with either. Please REMOVE immediately.
Product: Student loan

Hi, Sallie Mae/Navient reported a default to the credit bureau and when my account hit the default in the seventh month, they switched loan service providers. The loan numbers changed and made it difficult for the credit bureau to decipher the loans that were in default after seven months in which Sallie Mae changed lenders to Navient. The next time the loans were in default, Navient suggested forbearance and I pay a forbearance fee. This occurred over five times. Navient reported that there was no other option then paying a forbearance fee to bring my account back to payment status and remove it from my credit report. My loans have defaulted, switched lenders, and manipulated to benefit the loan provider. When I requested to consolidate my loans to a lower interest rate and one payment, forbearance was suggested, after I pay a fee, because it would affect my credit report. The practices of Sallie Mae/Navient has caused legal trouble with bank institutions in providing me with a mortgage loan or a car loan. A request to review my account, dating back to XX/XX/year> with a detailed report of all of my finance charges, payments and finally forgiveness of all private loans.
Product: Credit reporting or other personal consumer reports

To whom it may concern at Transunion, On XX/XX/year> I contacted Tranunion and I am writing to express my utmost frustration and disappointment with the service I received from one of your employees, " XXXX, '' in the Special Handling Department. Our conversation revolved around my request for an investigation into a letter regarding another investigation, and while " XXXX XXXX promised a resolution, she ultimately ended the call abruptly and unprofessionally after keeping me on hold for over XXXX hours. This level of disrespect and unprofessionalism from a customer service representative is simply unacceptable. 

Throughout our conversation, I was given conflicting information by " XXXX XXXX XXXX XXXX, she stated the issue was due to an incorrect address, and then later claimed it was due to the FCRA law. When I requested the specific section of the law for my own understanding, she refused to provide it and instead chose to hang up on me. As a retired United States XXXX veteran, who has served my country with honor, I should not be treated with such disregard and lack of respect. 

It is concerning to see that an employee of your company would behave in such a manner. I have taken the liberty of recording the entire conversation for my own records and for my attorney 's review. I am deeply disappointed in the lack of professionalism and respect shown during this interaction. I hope that appropriate steps will be taken to ensure that no other customer has to endure such poor treatment in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Illegal practices under the FDCPA. 

This debt, which I am not admitting fault or ownership of, has been closed and reopened as a new account in order to keep it on the credit report longer and lower my score ( probably in hopes of scaring into payment due to the sudden drop and having longer to collect considering this debt is so old it has little effect on score and is near falling off the report all together. ) This debts original date is XX/XX/XXXX, making it over 5 years old and falling off the credit report after XX/XX/XXXX. 

On XX/XX/XXXX I received notifications of removal of a collection account and a new collection account added. Both were of this same account. XXXX XXXX XXXX removed the debt from my credit then re-submitted it as a new debt with a new fall off date of XXXX XXXX-7 years from now, which is re-aging/parking debt. 

Re-aging debt is when a debt 's status changes on credit reports to make it appear as a newer debt, such as deleting and re-reporting as new to keep it for longer and drop the consumers ' score significantly ( because it now shows a a new debt and not a debt old enough to not make much of a difference anymore ). 

It is illegal for debt collectors to re-age credit/park accounts. Re-aging is a very serious violation of the Fair Credit Reporting Act. I have submitted a dispute directly with credit bureau 's and XXXX and will continue to report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX Account number : XXXX Account name : U.S. DEPARTMENT OF EDUCATION Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit card

New Citi card issued. Activated online. Tried to add to XXXX XXXX. Immediate fraud alert. Called in. Citi cant send a sms verification to 2 phones despite their website can. They locked the entire card and now I have to wait 7-10 days for a code in the mail. Is this a joke?
Product: Debt collection

I have contacted RPM several times when I call from my work # I 'm disconnect purposely and then when I call back I 'm asked to hold before they even ask my name. They can definitely see the number your calling from. So I called a couple of weeks ago to dispute the account as well as send in documentation to support that I have contacted the original carrier as well who verified my account is {$0.00} and verified that I was to receive a refund check which I did. So RPM is giving me the run around I asked for a supervisor and the young man stated that he can get me to the " escalation team '' and then disconnected me. I totally get it if I owed this I do n't and he said it was just sitting a supervisors desk call back in a few weeks. This debt which is incorrect has been deleted from XXXX of my credit reports and they are holding up the last I 'm not sure why. I can definitely send the copies of the deleted reports as well as my refund check.
Product: Credit reporting or other personal consumer reports

I have checking account with XXXX and I have have XXXX XXXX that shows my credit score as I check it I seen 5 late payment on my profile with the back and it was report by Experian and I do not have any late payment on any of my account and I call them and they ask like they do not know what I am talking about I have been having problem with all three Credit Bureau with my score they keep dropping never give me credit for paying my bills on time when they do they give me XXXX point them put things in my file or report it to other credit and it not true and it is wrong for what they are doing I need it to be investigate late payment 5 was reported to XXXX XXXX this is not right to do when I check my credit I do not see any late payment I call all my creditor no one has report any late payment it just there
Product: Bank account or service

I had filed a claim with Wells Fargo Bank about a mysterious {$2300.00} that was debited out of my account on XXXX/XXXX/2015. They closed my claim and never gave me back my money. On XXXX/XXXX/2015, I went in to get a cashier 's check for an entertainment lawyer retainer to start a record label. The check was for {$2500.00}. I got this because I did n't feel safe walking through downtown XXXX with that much cash. I DID NOT withdraw {$2300.00} two minutes later according to my bank statement. I DID NOT want to carry that much cash around with me and filed my claim 28 days later when it was discovered on XXXX/XXXX/2015. On XXXX/XXXX/2015 I received a letter from Wells Fargo stating that my claim was closed. I still have not started my record label over a year later because the money that Wells Fargo took and never gave back, was supposed to be for filing my " XXXX '' XXXX.
Product: Credit card or prepaid card

Every ballot box has an option to make an overt choice, either yes or no or to choose a candidate or candidates but NO SELECTION MEANS NO CHOICE. However, in your Capital One webpage paper or paperless selection, you dont provide that opportunity. NO SELECTION IS A CHOICE. You all need to correct this page because it exposes your bias to get customers to choose PAPERLESS when we have the right to have an equal opportunity to decline PAPERLESS statements. 

That fault in your selection page underlines the flaw and inherent weakness in allowing computer programmers to ultimately design your webpages. It is because in this instance, they are thinking bit ( 1 ) and bit ( 0 ) when that is not the way non-programmers and the general public ( your customers ) think. 

If you had put this webpage before a focus group, which you conveniently did not, they would undoubtedly prefer a webpage design that offers the opportunity to make a convert decision to either choose paper or paperless, and not a design where NO SELECTION is the " paper '' option.
Product: Credit card or prepaid card

In XX/XX/2022, while on XXXX XXXX with the XXXX  XXXX XXXX XXXX, I applied for and was approved for, the American Express Platinum Card. While still on XXXX XXXX American Express charged the {$690.00} annual fee to my account. I immediately contacted American Express and and requested it be removed pursuant to the MLA. They denied it. I have since contacted them XXXX more times and asked for the fee to be removed. They continue to claim they checked the MLA database. However, they have not provided the MLA database report from XX/XX/2022 that is generated when a service member 's name is searched. Now, I am no longer on XXXX XXXX. However, when I applied for the card, was approved for the card and was charged the {$690.00} fee, I was on XXXX XXXX. The MLA applies at the time the credit is applied for. My XXXX XXXX status at the time I applied for and was approved for the card was greater than 30 days thus triggering the MLA. I hereby demand AMERICAN EXPRESS provide me the Department of Defense Manpower Data Center Status Report that would have been generated in XX/XX/2022 if the search was conducted.