23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My wife XXXX purchased something on her XXXX credit card toward the end of last year. We received the invoice. We made prompt payment but unfortunately we had an old XXXX account number on our Bill Pay. We requested a dispute process. Dispute forms were sent. We then went to gather the details from the bank and realized the error. The money that was sent to that wrong account number had actually been refunded shortly after payment. We called the credit card company back and explained what had happened over the phone. We agreed with the representative that we would pay the original amount and be done and we did that right on the phone and that we expected was the end of it. 

We have since received multiple bills from the company assessing new late fees and interest charges. We called to inquire and were told that we did n't return the complaint forms and they did not have record of that conversation with their operator. Therefore we would continue to accrue late payments and interest fees They confirmed they had received the payment though. When we asked them to check the records of the conversation assoicated with payment they refused. 

This situation is completely ridiculous. these are very small amounts of money and it is clear this is standard operating procedure for these guys. Any reasonable / reputable company what have consdiered this payment in full as was agreed on the phone. 

I have attached the following : ( 1 ) Bank statement showing good faith attempts to pay XXXX on XX/XX/2016. this included two payments attempts. One for the original balance in the amount of {$59.00} and another in the amount of XXXX which I believe was the balance with fees ( 2 ) the latest XXXX card statement showing fees added since we had agreed verbally to clear this issue by paying the original {$59.00} ( 3 ) the message I received from XXXX when inquiring what happened with the payments. I was trying to find out details of where the payments had gone and why XXXX had not received them. this is the point where we realized the mistake, called the XXXX card people back and THOUGHT we had taken care of it the way two rational adults would, but apparently not.
Product: Credit reporting, credit repair services, or other personal consumer reports

The complaint I filed previously ( # XXXX XXXX, wherein the company ( Citibank ) replied as to their reason for a hard pull on my credit. 

This is not possible, as I did n't ever apply for a Citibank XXXX card. So either they pulled the wrong report for the individual applying for the card they allege, or a fraud has been committed. 

There was no reason for a hard pull on my credit on the said date ( see complaint filed on XX/XX/XXXX # XXXX ). 

Though you have this reply from Citibank on this complaint number, I will provide the exact reply below : " I sent a letter to the customer declining his request to remove the inquiry as it was the direct result of his request for credit when his application for Citi XXXX XXXX Card was received onXX/XX/XXXX. '' As stated above, I never filled out an " application for Citi XXXX XXXX Card '' on XX/XX/XXXX. Please let me know how I can proceed or how CFPB will proceed with this false claim and unnecessary hard pull on my credit. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX began reporting a student loan on my credit report in XX/XX/XXXX for about {$3500.00}. It says the loan was originated in XXXX. This is not my loan. It is inconvenient to call this services given they are on only weekdays XXXX hours and I can not find a way to submit a disputes only. This is an FCRA issue that needs to be fixed immediately and is impacting my credit and can adversely impact my ability to secure credit.
Product: Vehicle loan or lease

On or about XX/XX/XXXX, I tendered an executed agreement, application, and credit card information to NAVY FEDERAL CREDIT UNION ( NFCU ) extending credit through the consumer. 

The agreement stipulated that NFCU reserved the right to transfer or assign the agreement or any right or obligation under the agreement at any time to any party and also assign or delegate certain of its rights and responsibilities under the agreement to independent contractors or other third parties. 

The substance of this transaction was intended that in consideration of the extension of credit through the credit card of the consumer, NFCU would transfer the received credit funds into a transaction account or, alternatively, issue a draft payable to the consumer in exchange for security interest in the executed agreement and application originally tendered. 

On or about XX/XX/XXXX, NFCU sent written communication addressed to the consumer by first-class United States Postal Service mail which indicated that instead of transferring the received credit funds from the consumer into a transaction account or tender a draft payable to the consumer, it would ostensibly keep the executed agreement and application for its benefit and provide no benefit whatsoever to the consumer. See attached exhibit. 

In justifying its unfair enrichment, NFCU posited that based on information provided to it by a credit reporting agency, it would choose to benefit from the credit extended to it through the credit card of the consumer in exchange for no consideration.

According to the Consumer Financial Protection Bureau, the information furnished to NFCU was done voluntarily by unknown entities1.

Additionally, according to the United States Congress, there is a likelihood that voluntary information furnished to credit reporting agencies contains inaccuracies so much so that legislation was passed in order to combat such adverse phenomenon to consumers2.

I have never consented to having bona fide consumer transaction history, or non-verified consumer transaction history furnished to the various credit reporting agencies, and furthermore do not consent to the unauthorized use of the consumers credit card and unjust enrichment by NFCU. NFCU did not have actual, implied, or apparent authority for use of the credit card where the consumer received no benefit from the transaction, notwithstanding a basis of the furnishing of unverified consumer data. 

1 See, Consumer Financial Protection Bureau, Key Dimensions and Processes in the U.S.Credit Reporting System : A review of how the nations largest credit bureaus manage consumer data, at 15 ( XX/XX/XXXX ). 
2 15 U.S.C. 1681, et seq.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX, XXXX XXXX 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 z : It also states a consumer reporting agency can not furnish a accounts without my writtenn instruuctions 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 vears 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reportings agencys if the person knows or has reasonable cause to believe that the information is inaccurate..
Product: Checking or savings account

I contacted Capital One last year about two payments in the amount of {$1500.00} and {$800.00} that were made to XXXX XXXX XXXX of XXXX NY to complete a job and merchandise but never received it. Capital One refused to investigate the incident thoroughly and advised that I should contact XXXXXXXX XXXX XXXX, XXXX in-order to get my funds returned. I did so but never received any response from XXXX. After a months and month of contacting Capital One for an update they were unable to provide an update. I would like my funds in the amount of {$1500.00} taken out of my account on XX/XX/2022 and {$800.00} taken out on XX/XX/2022 returned to my account after an investigation conducted with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, XXXX, XXXX, on XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX and on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Checking or savings account

My clientMorris Shanfield directed me with a XXXX XXXX XXXX of Attorney to pay his rent with a {$3000.00} check written on XXXX XXXX Old National Bank checking account. 

To accomplish my clients request, I set up a separate account with Old National Bank in my own name. In to that account, I deposited XXXX XXXX {$3000.00} check. 

Instead of honoring that check, Old National Bank cancelled my account without explanation. I preempted my deposit by explaining my plan to XXXX XXXX XXXX & asked that she forward that introduction to her colleague. 

I request that Old National Bank reopen my checking account & honor my clients {$3000.00} check as my deposit so that I may secure the requisite cashier check to pay XXXX XXXX rent.
Product: Mortgage

My mortgage loan XXXX was transferred to Specialized Loan Servicing ( XXXX ) earlier in the 2023 year. I shortly thereafter received a letter that XXXX needed to verify the condo insurance. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I provided XXXX by email to XXXX with proof of insurance in a " certificate of property insurance '' with XXXX XXXX. Additionally, I placed several calls to XXXX on XX/XX/XXXX, XX/XX/XXXX, and XXXX/XXXX/XXXX to confirm they had received the insurance policy certificate. XXXX has acted in bad faith and wilfully ignored my condo insurance proof. They have notified me in a letter dated XX/XX/XXXX that XXXX purchased insurance on the condo and are charging me {$870.00}. This forced policy was backdated to XX/XX/XXXX, a date far prior than they requested proof of insurance from me. When I spoke with the call center every time the representative said my XXXX family insurance information was received and I had nothing further to do. None of the call center representatives said that XXXX had force purchased another insurance policy without my permission or consent. This was handled improperly by XXXX and I am demanding the refund the {$870.00} policy that was not needed or requested.
Product: Checking or savings account

I am filling a complaint with the CFPB regarding capital one failure to process my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the electronic funds transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my right are upheld. Thank you
Product: Debt collection

Hi I keep getting repeated calls from NCO Financial services on my cell phone. They are looking for someone who is not at this number. I have told them this verbally over the phone as well as emailing them and telling them this. Yet they keep calling me. The number they are calling me at is XXXX. Please can you help me to get them to remove my number from their dialer?
Product: Payday loan, title loan, or personal loan

On XX/XX/2018 my employer advised me that a letter was received from Kashia dba XXXXXXXX XXXX. The letter states I agreed to have 25 % of my wages garnished for a total amount of {$1600.00}. The loan amount was for {$700.00} and i never agreed to pay over {$900.00} plus the original loan amount of {$700.00}. The letter sent to my employer states I agreed to the garnishment which is untrue. This company has not reached out to me to make any arrangements prior to submitting this letter to my employer.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 - submitted to equifax my legal name change documentation requesting name change on credit report from <old first> < old middle> <last name> to < new first> < new middle> <same last name>. On XX/XX/24, equifax changed my name to be <old first> <new middle> <new first>, removing my last name and changing it to my new first name, updating my middle name correctly, and not updating my first name. 

On XX/XX/24 after being notified of the error made by equifax on XXXX, I resubmitted the dispute for the incorrect name and requesting it to be change to my current legal name. Again supporting documentation was supplied. It has been almost 6 weeks without any response from equifax nor any correction to my credit report. 

On XX/XX/24, again submitted the dispute ( while the XXXX dispute has remained open ) and added additional documentation. No response. 

Further physically mailed copies of my driver 's license, social security card, and the court order to equifax which they show loaded into their system on XX/XX/24, but again no updates have been made to my credit report to reflect my correct legal name and to remove the incorrect name that equifax applied to my report, a name I have never gone by. 

This is impacting my credit monitoring services as equifax credit reports can not be pulled. Further it's causing issues with identity verification services as my legal names are scrambled on this report from equifax causing issues with securing credit, background checks, etc.
Product: Credit card

I have an XXXX Visa issued through Bank of America ( America 's most hated bank, I now know ). Should have known better. However since I pay all credit card balances in full every month I thought there would be no issue. I set up automatic bill pay to remove from my checking account the full amount of the credit card bill each month. There is a warning on the BOA website that the instructions might not be in effect until the next billing cycle, which is reasonable. However it 's now been XXXX cycles and they continue to debit my bank account for the minimum payment of {$25.00} ( an option I would NEVER choose ) and charge me interest on the remaining balance. On XXXX XXXX XXXX I called to find out why my instructions to pay the FULL STATEMENT BALANCE every month were not being followed. The customer service representative assured me I would see the correct amount paid on the next statement. My new statement ( XXXX XXXX ) also shows BOA again removing only {$25.00} from my checking account, and again charging interest on the balance. They clearly make a lot of money by not following instructions from their customers. I would cancel this card today except I really like XXXX companion fare deal. Too bad they have chosen BOA to issue their card.
Product: Student loan

I have had multiple issues with  XXXX /Navient as my loan processor.     First, here is some older issues I have had where I do not have much documentation of : I requested to have my loan taken off of any extended or reduced payment plans, and my monthly payment increased to approximately {$400.00}. Around 2 years later my payment jumped to approximately {$800.00}. When I contacted Navient to understand why I was told that it was because I was in a extended repayment plan which was never removed.     After this fiasco which likely has cost me thousands of dollars : I began making the payments of {$800.00} and have recently started paying extra into my loans in a desperate attempt to no longer have to deal with Navient.     I have ma de 10+ calls to Navient in the l ast 30 days. Each extra payment made on the website was incorrectly applied.       XX/XX/XXXX  - - Payment made in the amount of {$200.00}. The payment was split between  2 loans instead of going directly to loan  XXXX . I contacted Navient who apologized and correctly applied the fu nds.       XX/XX/XXXX  -- P ayment made in the amount of {$50.00}. The payment was split betwee n 3 loans i nstead of going directly to loan  XXXX . I contacted Navient who apologized and correctly applied the funds.       XX/XX/XXXX  -- Payment made in the amount of {$580.00}. The payment was split between all of my loans instead of  going directly to loan  XXXX  to pay off the remaining balance. The loan balance ended up being {$22.00}. I contacted Navient who apologized and correctly applied the funds and marked the loan as {$0.00}. I also requested that the minimum monthly payment amount of  XXXX  be added to the auto-pay amount of  XXXX . This was not correctly applied.       XX/XX/XXXX   -- The new auto pay amount was set to {$130.00} instead of {$150.00}. The customer service and supervisor were unable to explain to me why. The minimum/auto pay amount changed from {$800.00} to {$830.00}. The supervisor did not have access to view any reason for the {$30.00} increase. They sent a request to th e " Research '' group  with a turn around time  of 7 to 14 bus iness days. The " research '' group will not contact you back via phone with they are able to identify exactly where the {$30.00} increase came from. The supervisor refused to give me any tracking or identifying number for the interaction and request. I was told to call back to check on the status of the " research '' groups findings.     My call o n  XX/XX/XXXX  e nded with : " You have my word sir that I will send in a detailed request ''
Product: Debt collection

Mountainland Collection is reporting incorrectly to XXXX and XXXX a collection - account number XXXX. ( Please see page 5 of the attached credit report. ) This was a medical bill that was never submitted to the appropriate department at my insurance company and consequently this bill never got paid. When it finally came to my attention that there was an outstanding bill, it was too late and the bill was forwarded on to collections. I had tried to resolve this issue directly with my insurance company however every time I would call I would get transferred to a different department and was told by each representative that I was able to speak with that this bill would be re-submitted for payment and that it would not go to collections. When I obtained a copy of my most recent credit report, this collection item appeared. This incorrect reporting of a collection that should not be on my credit report is harming my credit score. I request that this line item be deleted or at a minimum change the coding error from an I9 to an I1.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute inaccurate information that appears on my TransUnion credit report dated XX/XX/XXXX. The account in question is : XXXX XXXX XXXX XXXX XXXX  Account # XXXX Opened : XX/XX/XXXX Balance : {$11000.00} This account is incorrectly reporting XXXX late payments on my TransUnion report, whereas my XXXX report reflects XXXX late payments for the same account. This discrepancy indicates that the information reported by TransUnion is inaccurate. 

I respectfully request that you reinvestigate this matter and verify the accuracy of the reported late payments. If the account can not be verified, please delete the inaccurate information from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt assistance in this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have XXXX  Bank of America Visa card over years. 
Bank sent promotional letter for 9 mos free interest cash advance from the card. 
Last XXXX, I had cash advance of about {$6500.00} for income tax payment. Bank charges 3 % on the cash advanced amount. 
I noticed last two months XXXX  charged about 14 % interest on purchases. 
I paid minimum amount for the cash advance and also paid off the purchase amount. 
So, I called bank customer service. Bank personnel indicated me that, until the cash advanced amount is paid off, the bank charges I interest on my purchases even though I paid off the purchased amount.each billing period. She indicated that it was in document. I asked weather other bank doing this way. She indicated tha t other banks probably doing. 
This is mis-leading advertisement for free interest cash advance. 
Charge 3 % in front. Then, charge interest on all subsequent purchases. 
Mis-leading and crooked way of doing business!
Product: Checking or savings account

The CFPB keeps closing these complaints without looking at facts. 
Cadence replying they replied is not enough. 
Cadence back misled the CFPB. 
Cadence bank charged us an overdraft fee twice in one month. 
The first fee was charged at the end of business we did not see it until after hours and deposited cash. 

The second time it was charged and money was deposited and covered the amount. 
Their policy " changed '' per the branch however no notice was ever sent. 

The first time they refused to reverse the fee because they said their policy changed. 
We made the deposit before XXXX XXXX 

The second time they charged us they said we had to make a deposit by XXXX pm and we made it later, but on the same calendar day. 

So they charged us for making a deposit to cover an overdraft before XXXX pm the first time and after XXXX XXXX  the second time. 

They are not consistent. This has happened before and we made a deposit before midnight and they did not charge us, so why do the times keep changing. 

We will continue to make complaints and reviews online until our money is returned.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfers

I was making a payment for an item I purchased on eBay through PayPal. While making the payment, Paypal had me put in the DOB and SSN. I did not realize I was signing up for credit line with Paypal. They pulled my credit and gave me a line which I did not want. This is a very deceptive practice. How can they get away with it?
Product: Student loan

Initially when I enrolled with XXXX ( changed name to XXXX XXXX XXXX ), I had hopes of getting job placement assistance along with being able to continue my education in a college. Since receiving my XXXX diploma, I have not been able to obtain a job in the XXXX industry and was never able to continue my education with a college without having to start over. I am now trying to attend college and the loan continues to appear and cause problems with financial aide. I 'm unable to pay the loan, it has been sold several times and I 'm unable to get my transcripts from the school now that they are closed. Also, with the school being closed now, it 's like I 've never attended any type of higher education. I 'm asking that this loan be forgiven in order for me to move forward.
Product: Credit reporting or other personal consumer reports

I have filed several disputes trying to resolve these issues for the following accounts But no action has been taken by any of the credit bureaus *XXXX XXXX * XXXX XXXX XXXX  When I requested information from the credit bureaus they did not respond and I did not receive anything.