23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I received my yearly bonus from work and wanted to pay off the remaining {$740.00} of one of my student loans. I went onto the website and turned over the money from my bank account. I waited several days, waiting to see this money come out. Although the money instantly comes out of my bank account, making it impossible for me to make interest on it, Great Lakes always drags their feet for 4-10 days so THEY can continue to make interest off of me. 

I submitted {$770.00}, which is {$35.00} more than what was 'owed ' ( see attached ), because their is ALWAYS some conniving and deception when dealing with these people. After the typical days of waiting to see the money, already taken from my account, be applied to my loan I noticed that not only did they not use my money as instructed but, they arbitrarily left {$180.00} on the loan I told them to pay off. So they robbed my yearly bonus, refused to let me pay off my loan, AND are collecting interest on it as we speak!!! 

I contacted them stating that I ; 1. ) Have screen shots of what they've done 2. )  Have bank statements showing them taking this unaccounted for money ( my yearly bonus ) and 3. ) Have read and understand their " Excess Payment Policy ''. I stated all of this up front to try and expedite my dealings with them as their default stance is to always claim a lack of intelligence/understanding on my part. 

I'm done arguing with these people month after month and waiting around for them to do something about the CONSTANT " misunderstandings ''. There is no misunderstanding. I have all the paperwork to show they are lying and purposely misdirecting money in order to keep loans active, even AFTER I SEND THEM THE MONEY TO PAY THEM OFF. 

I'm not XXXX, I understand perfectly well, what they do is NOT complicated, and I should've reported them earlier when it was smaller amounts of money and not an entire year 's worth of regular over time to have my bonus robbed from me and then being called too XXXX  to know how to give my money to them properly. 

I sent them the money to pay off loan # XXXX. There is NO MISUNDERSTANDING. 

Then, I got an email from XXXX in Borrower Services Department stating ; " The first {$260.00} from your XX/XX/XXXX monthly payment were applied to cover your remaining monthly payment. The remaining {$500.00} was applied to the loan token of your choice. '' This is SO far off the mark that she could not have possibly even looked at my information. As you can see attached, my monthly payment came out on XX/XX/XXXX, as it does every month, and it is for {$270.00}. There is no money " left over '' from my monthly payment, that doesn't even make any sense. Then, on XXXX, they took my 2018 yearly work bonus, which she does not even mention in the email, and disappeared it.
Product: Debt collection

I have received calls almost everyday for a year about my credit card. I didn't even know I signed up for a credit card. I thought I was getting a membership and then I found out that it was a credit card. I accepted that I must have messed up somewhere and tried to pay it. But soon after I had my son and had to pay out of pocket for many of his medical bills. I didn't know until recently that this was harassment.
Product: Credit card or prepaid card

I traded in an old XXXX as part of an online purchase through XXXX and was told I would receive a trade-in refund of {$110.00}. The card I used in connection with this purchase was an Apple Card issued by Goldman Sachs. When I received a {$110.00} credit to my card on XX/XX/2022, this triggered an automatic " Daily Cash Adjustment '' debit of {$3.00} ( 3 % ) on my card because the transaction was coded as a " refund '' even though it is really a trade-in. I understand that this card features 3 % cash back on XXXX purchases, and that if those purchases are eventually returned, then Goldman Sachs needs to account for 3 % cash back as part of a return. However, this trade-in transaction is NOT a return, and I shouldn't have the " Daily Cash Adjustment '' deducted from my trade-in because I never received a corresponding Daily Cash reward in the first place. If XXXX would have had a different card on file for my trade-in, I would have received the full {$110.00} amount as part of my trade in. I repeatedly called XXXX/Goldman Sachs on XX/XX/2022 and was repeatedly passed to different departments at both companies and told I was wrong. Eventually, after escalating to a manager, I was told by the manager that I was indeed correct and that this Daily Cash Adjustment was made in error and that the underlying business logic being used for trade-ins at Apple Card is incorrect for this circumstance. However, the individual declined to issue a refund and instead indicated that a billing dispute would be initiated on my behalf and that they would follow up with me within a week. It is now XX/XX/2022 and there is no evidence of any resolution. I am frustrated about an absolutely terrible customer support experience and am upset that Apple Card is routinely, unfairly, and erroneously garnishing 3 % from every XXXX trade-in that takes place on an Apple Card. They are entitled to reconcile purchases/returns for cash rewards, but this makes no sense to apply to trade-ins, and the fact that I am only being charged this fee because I am using an Apple Card instead of another credit card is clear evidence of that fact. I am filing this complaint with CFPB because I have been unable to receive satisfactory resolution by directly engaging the company, and moreover, the company responsible for supporting me as a customer is failing to offer a clear and transparent way to contact them, and instead passes customers between XXXX, Goldman Sachs, and various other third party service providers without taking responsibility.
Product: Debt collection

XX/XX/19 XXXX - Omega RMS calls me informing me of a debt from XXXX with XXXX XXXX 

XX/XX/19 XXXX - I call XXXX XXXX. They say they have no outstanding debts with me and have never heard of Omega RMS and do not use a collection service. 

XX/XX/19 XXXX - I repeatedly call Omega RMS trying to explain they have the wrong information regarding this debt. Twice they hang up on me. We never get the situation resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been unauthorized inquiries on my report and it has surpassed 90 days without a response about the complaint. I demand these accounts be deleted immediately or I will file for litigation. These items must be removed immediately.
Product: Mortgage

I have been applying for a modification and they have stalled for over 2 years. I was canceled many times due to paperwork not being ( all docs were factually in on time ). After appealing numerous times and proving they were wrong that all docs were in they put the application through. By this time I was so far behind they denied me due to " excessive forbearance ''. 

This was caused by them continuously canceling under false pretenses
Product: Credit card or prepaid card

Capital one bank has not fully resolved my dispute against XXXX XXXX XXXX. I disputed charge of {$1300.00} that was purchased on both of my capital one credit cards on XX/XX/2018. The card ending in XXXX was charged {$1000.00} and the card ending in XXXX was charged {$300.00} for a furniture warranty that I purchased at XXXX XXXX to cover any damages to the furniture etc. One of the dressers that I purchased has been falling apart as well as several of the other furniture items and I contacted the merchant and requested that it be fixed under the one-year manufacture warranty/ After going back with the merchant several times ; they were not willing to fix the damages so I contacted the XXXX XXXX to go over what the warranty policy was and if I can get the furniture items fixed since I purchased a 5 year extended warranty, but i was told my issue was not covered, so I Disputed the charge with capital. I provided them the receipts as well as the contract with the merchant and the warranty company I also forwarded emails of all the attempts that I made it to the merchant to resolve it prior to the dispute and also pictures of the damaged furniture. it has now been several weeks I have not heard back from the bank and these charges were put back on my credit card which I am now responsible for the interest rate and any fees applicable to these charges I am very unhappy with the way capital one bank has done With my dispute they have not been accommodating they have not been resourceful and they have not contacted me and made a true effort and resolving my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Equifax XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXXXXXX  Account # 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 a account without my written instructions
Product: Mortgage

Wells Fargo charged my a penalty fee for a failed payment transaction FROM THE SAME BANK! XXXX {$50.00} fees were applied after I tried to set up their automatic payment system that had no indication of whether the " automatic '' part would start this month or the next month. Since it started the first month, when I went to pay the mortgage the payment had already been started by their automated system, and the transfer failed from lack of funds. It was their own poorly designed software that caused me to not know when my payment would go through and caused the payment to fail from lack of funds. I have never missed a mortgage payment in my life but I still have {$100.00} in fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

In addition, I have my several complaints to the creditor and the credit Bureaus to report the account with OneUnited Bank has been closed as of XX/XX/2022. There have not been any changes to my report to update this. Per FCRA 15 USC 1681, after the required timeframe has passed and the information disputed showing inaccuracy has not been changed ; the account must be deleted within 30 days of not providing proof that the account is accurate. 

Account XXXX : XXXX Bank XXXX - Delete account due to multiple submissions of reporting account and non-responsive from creditor and credit bureau. 

As result, please remove XXXX Bank account addressed above per FCRA 15 USC 1681 by law, must be deleted from the credit report within 30 days of not providing proof that the account is accurate.
Product: Debt collection

I have contacted Midland Funding LLC several times about this outstanding debt that is not mine. I have disputed it several times as well asked for supporting documentation that shows proof that this debt was mine. I have been dealing with them and this account since 2009. Statue of limitations has passed on this invalid debt but they are continuing to report this false information on all of my CRAs. I am writing to dispute fraudulent charge ( s ) on my account in the amount of {$610.00}. I am a victim of identity theft, and I did not make these charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from all CRAs. I also request that they cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ). I have filed and had an affidavit notarized. They are not abiding by the law and I would like something done about this! It has effected me long enough!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im on hold as we speak, after speaking to XXXX  several times regarding my disputes Due to Covid, I could not pay original credit company and I ask XXXX to make a not of My concerns and let companies know my status I ask that the old account be removed Instead my account was sold to a different credit And my past is affecting my future Please help thanks
Product: Mortgage

They originally gave me a 3 month unemployment forbearance and said in 3 months we could revisit if Im not working and extend it. They continued to charge late frees and now said that Im not approved. So now it is beyond late. They told me to speak with my state XXXX. They said they can only help me if the lender gives me an act 91 notice. I asked for XXXX they never gave me XXXX. They were supposed to send me a packet to fill out so they ca. work with the Va to give me options. However they have not send that and have no responded to anything. I have had many mortgage lenders and villiage capital is terrible. Worse communication.
Product: Debt collection

I am filing this complaint because National Credit Systems is reporting a collection account on my credit report, which is the result of identity theft. This collection is related to a rental apartment at XXXX XXXX XXXX XXXX XXXX, a property I never rented or lived in. The charges associated with this account are fraudulent. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I have provided National Credit Systems with an Identity Theft Affidavit and can provide more supporting documentation proving that this account is fraudulent. Despite fulfilling my obligations under the FCRA to report this identity theft, National Credit Systems continues to validate and report the fraudulent collection account as a valid debt, causing significant damage to my credit score and financial standing. I have requested that National Credit Systems provide documentation or an explanation regarding how they have validated this debt in light of the identity theft evidence I have provided. To date, they have not complied with these requests. I am seeking the immediate removal of this collection account from my credit report in accordance with FCRA provisions and request that National Credit Systems provide all documents they have used to validate this debt.
Product: Debt collection

Hunter Warfield ( XXXX XXXX XXXX XXXX. XXXX, FL XXXX ) is trying collect a debt ( Hunter Warfield Account : XXXX in the amount of {$6500.00} ) that was already resolved through SUPERIOR COURT OF CALIFORNIA COUNTY OF XXXX XXXX. I tried to explain this to the associates of Hunter Warfield on XX/XX/2020. They were unprofessional about the situation, none of them gave me a chance to dispute the situation. They only laughed at me and ended the call. Even though a few times I mentioned that the issue had already been resolved through court. 

Today Friday, XX/XX/2020 I have received yet another harassing a threatening letter with an attached contract that is false and misleading information, from Hunter Warfield trying to collect a debt Account : XXXX in the amount of {$6500.00}
Product: Credit card

I called Capital One in XXXX to update my autopay information. The representative updated my 3 accounts and said all is taken care of. I called in XXXX to find out why I was charged past due fees. I was informed only then that all 3 accounts were closed due to Returned payments and that no payments were being processed from the updated and correct bank account. Capital One has refused to reopen my accounts and have stated that it is not a legal issue that would warrant the CFPB to get involved. I have been a customer of Capital One for 10 years and devastated about what this is going to do to my credit history. They provided no clarification or assistance whatsoever.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX and OneMain Financial " I am opting out of your reporting services. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services.
Product: Credit card or prepaid card

My Walmart credit card account was removed off my credit report all three of them this morning on XX/XX/XXXX account number ending in XXXX and I would like for this account to be re-inserted back on my credit file thank you I called capital one and spoke to a supervisor and she refused to help me and giving me a hard and she also refused to transfer the call to a higher office and was acting too shy of assisting me over the phone this is unprofessional and I was also discriminated on a credit review and Ive been with capital one since XX/XX/XXXX XXXX still stuck on {$400.00} limit with a credit score of XXXX with XXXX  and right now the account is not reporting to the credit bureaus as of today
Product: Credit card or prepaid card

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This company is currently showing 30 days late for the month of XX/XX/2020 and XX/XX/2020. I have read enough to understand my rights. The Bureaus are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX Date of Birth : Date of Birth : XX/XX/1984 Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX , New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

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

Nation Star Mortgage is showing that I had a late payment inXX/XX/XXXX. Nation Star sold my account to Mr. Cooper in XXXX and then Mr. Cooper sold my mortgage to XXXX XXXX XXXX who still owns the account. So Nation Star Mortgage should not be reporting and information on my report.
Product: Debt collection

Americollect inc I have received corespondents in the mail pretending to be an attorney if I did not pay the debt for a medical bill that's not mind. This company is using unlawful tactics, reporting inaccurate information on my credit report, violating the hippa act, providing medical information to third party credit reporting agency, XXXX, XXXX, XXXX, this inaccurate information has effected me in getting declined for credit card, employment, unable to purchase a home, rent apartment, this company has caused me stress, I have contacted this company through dispute letters, I informed the company not to contact on my work phone and my cell phone, but they continued to treated me .Also I never gave permission to the original creditor XXXX  XXXX XXXX XXXX to release any information concerning me to a third party, I never signed a hippa act release for to  realise my medical information, which this company is in violation of the hippa act, also both parties are violating the Fair credit reporting act they are intentionally ruining my credit with inaccurate information on my credit report I'm reporting to three credit bureaus XXXX  XXXX and XXXX  and I have put in dispute with this company regarding collection and they continue to violate my rights and use unlawful tactics by contacting me at work, on my cell phone, pretending to be an attorney. that if I did not pay they would seek for the action against me. I would like to resolve this issue by having this collections amounts of {$210.00}, {$280.00}, and {$280.00}, and {$310.00} to be removed from my credit immediately. This is not my debt.