23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/2019, I learned that my last 3 student loan payments dated XX/XX/2019 ( came out of my bank account XX/XX/2019 ), XX/XX/2019 ( came out of my account XX/XX/2019 ), and XX/XX/2019 ( came out of my account XX/XX/2019 ) had been misapplied. 

On those 3 dates, I paid {$130.00}. However, when I looked at the Recent Payments section of the Navient website, I saw payment amounts of {$110.00} for those 3 dates instead of the {$130.00} that came from my bank accounts 3 times.

I called Navient to explore this. The woman I talked to ( XXXX ) explained that Loans 1 and 2 are consolidated and that payments are applied to both loans. I told her I understand, but upon review of my file the payments that were applied to Loan 2 in the amounts of {$15.00} were all reversed, so {$0.00} was applied to Loan 2 for the 3 payments I made. XXXX continued to explain that payments I make are applied to both loans and I continued to explain that {$0.00} was applied to Loan 2 the last 3 payments due to the reversal of how my payments were first applied. 

As a result of the reversal, the weekly {$15.00} I wanted applied to Loan 2 was applied to Loan 1 instead. 100 % of the {$15.00} they took away from my payment toward Loan 2 went to the principal on Loan 1. 

Per Navient 's website, payments are typically allocated to interest first. Their reversal of how my payment was applied goes against this. As a result of this reversal, there is now unpaid interest on Loan 2 in the amount of {$56.00}. It would not be this much if they had applied my payments without the reversal that XXXX said took place on XX/XX/2019. This was when XXXX said she would submit something to reverse the reversal. 

I asked if they would correct this mistake, just for clarification that my payments would be applied correctly. She said yes and gave me an estimated time frame of by XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I have tried to contact coinbase with my issue over two dozen times. Their customer service is literally nonexistent there is no way to get ahold of them even with their phone number which just leads you to a dead end. I have never dealt with a company that is so nonexistent when it comes to dealing with problems in my life. I hope something is done about this because they are dealing with people 's money and in some cases lots of it. And if you have a problem regarding your money you have literally no option to resolve it because they do not respond ever.
Product: Student loan

My student loans are serviced by Mohela - I called the toll free number today to address issues with my account that began last month. Since XXXX, I have been on autopay to pay my loans and the correct account has been withdrawn each month. On XX/XX/XXXX, I was notified that my repayment schedule was changing and for a short time I would owe a lower amount monthly ( {$230.00} instead of {$290.00} ). I assumed that since the autopay authorization was for a higher amount and allows Mohela to adjust it as needed, this would be handled automatically as it had been since XXXX. Then, the day after my usual due date - I received a notification from Mohela that I had missed a payment. I then made the payment manually and verified that autopay was set up correctly. 

Since then, I have been trying to confirm with Mohela that my autopay is correct, will adjust automatically as needed, and that it will be right going forward. I sent a message which received a response that was not helpful, indicating only that I was enrolled for autopay. 

Today, I was finally able to speak with a customer service agent and noted that my autopay page is showing that I owe more monthly than what my account summary page says. While on the customer service line with a supervisor whose name I did not catch, we continued to agree that the information on the account summary page was correct and the information on autopay was incorrect. This is a discrepancy of about {$60.00} per month. 

When I asked how to fix this, the Mohela agent continued to try to explain to me how autopay works. The first person I spoke to had also told me that she was not sure why the XXXX were not aligned. I continued to ask how they could resolve this and neither gave me an answer. 

The best answer I was given ( after almost 2 hours on the line with them, repeating the same information and getting the same answers ) was that I should just pay the lower amount and disregard the autopay amount. However, I emphasized that I do NOT want to do that given the fact that it says that it is due. 

Several times, I emphasized that this was them, and the Mohela website, giving me false and misleading information since they acknowledged that the information was correct on one page and incorrect on the other. 

Additionally, in regards to the autopay issues - I read to them the autopay authorization form, a legally binding contract between Mohela and I - that gives Mohela the authority to withdraw from my bank account, on a monthly basis, the amount due for my loans, and to increase/decrease that withdrawal in accordance with the amount due each month. They had nothing to say in response.
Product: Credit reporting or other personal consumer reports

My truck was flooded in the beryl hurricane. The company reported they would help. Then changed My credit information was incorrect and involved in a data breaches. Please remove all negative information and charge off affecting my credit. Scammers and hackers have duplicated my information and put on black list. Please help clear my credit report from all negative information.

Data breaches have happened numerous times over the course of the last five years. To my account. 

XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX. Also. XXXXXXXX XXXX selling my information without my consent
Product: Credit reporting or other personal consumer reports

I have public information passed on that should be taken out or deleted. Per FCRA you are expected to delete this XXXX  XXXX Bankruptcies .I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX
Product: Credit card or prepaid card

I submitted a dispute to Wells Fargo about the interest rate imposed on a balance transfer once the promotional rate expired. I stated that the nearly 30 % rate was in excess of that stated at the time of the balance transfer. I receive the letter attached hereto stating that the rate imposed is the current apr and has not changed. Wells Fargo provided no documentation showing the apr at the time of the balance transfer so I find their response inadequate. However their letter states the dispute is closed.
Product: Credit card or prepaid card

I am a new Apple Card customer, and received my card in XXXX. I set up my bank account for the payments and set up an automatic payment to my card on the payment due date. 

Everything was looking right on the Apple wallet app and my payment looked like was gon na happen on the due date. However a payment didnt happen and I had to pay my payment manually on the next day. 

When I contacted to the customer representative they couldnt explain what happened and why it didnt work. However I did setup my payment properly on time, thats why I dont accept any responsibility about this late payment. I dispute any late payment fees and any bad sings on my credit score. 

This was a terrible experience and has to be corrected.
Product: Credit reporting or other personal consumer reports

All my credit card or loan debts are marked as charge offs and are closed with an amount still owed. I heard if they do a charge off they need to send me a 1099 which they won't and it will come off of my credit report. I have 9 negative accounts and they are all closed and marked as charge offs. I need help cleaning up my credit. I did dispute them on the XXXX on XXXX I think.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting on my loans now for 15 years which is far beyond the maximum credit reporting limit and transunion claims it will be on for another year and a half?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent about my accounts dated last XX/XX/2021. However, any modes of response or coordination were not taken on their end. Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX5 USC Sections 1681i within the time allowed by law and continuously reported as unverified information on my Credit Report. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX- XXXX {$0.00} XXXX  XXXX {$290.00}
Product: Credit card

On XX/XX/XXXX i open a new credit card with Chase with a promotion to receive XXXX points as long as I spent XXXX in less then 3 months. Instead i received 3 separate certificates for a 3 night stay or up to XXXX points for each certificate which came with many restrictions and can not be combined. 

On XX/XX/XXXX, i received a 1099- Misc from Chase for the 3 certificate received, which I have not redeemed yet and which required XXXX purchase to get the certificates. Based on my understanding, IRS does not treat the welcome bonus with spending required as taxable. 

After numerous calls to Chase, and transfers from their 1099 dept and back to customer service and back to 1099 dept, no one can tell me why i was issued a 1099-Misc or even confirm in the system 1099-Misc amount sent to me.
Product: Checking or savings account

On Monday, XX/XX/2020, at XXXX XXXX  ( CST ) I used my debit card at XXXX XXXX XXXX XXXX XXXX in the amount of {$730.00} to pay for a procedure. The procedure was rescheduled. That same day at XXXX XXXX  ( CST ) ( The void shows the time as XXXX XXXX PST ) XXXX XXXX XXXX XXXX XXXX voided the transaction. This is less than 1 hour and 20 minutes from the initial debit. It is now Thursday, XX/XX/2020, and Wells Fargo still is holding these funds. The funds were never received by the doctor 's office. The transaction was voided.
Product: Mortgage

I stopped paying my second mortgage of XXXX when I filed for bankruptcy in XX/XX/XXXX. I found out that SLS had placed a lien on property XX/XX/XXXX. We found out because we had a buyer for our home. I did not understand that a discharge of the debt was not a discharge because a lien could be placed on the property. SLS sent us a pre-foreclosure letter in XXXX and last week said we could pay {$6700.00} and make payments of $ XXXX per month. They said the loan amount was now {$55000.00}! We had paid $ XXXX per month from XXXX to XXXX. The balance of the loan at time of discharge was {$25000.00}. The interest and fees for eight years is {$30000.00}!! I dont think it is fair to charge so much interest and wait 8 years to place a lien on the property. I would like SLS to reduce the amount owed to a reasonable amount of {$35000.00}. I could make payments of $ XXXX per month but do not have {$6600.00} for a down payment. I am retired and my wife is on XXXX because she has XXXX  XXXX XXXX. 
The person working with me at SLS is XXXX XXXX XXXX or XXXX
Product: Checking or savings account

Netspend corporation closed my account on XX/XX/year> Netspend corporation is refusing to send me a check in the mail for a credit that was posted on my account from a merchant on XX/XX/year> XXXX name is XXXX. I used my Netspend debit card to make this {$950.00} purchase on XXXX XXXX. They are giving me an absolute hard time when all I am trying to do is just receive My personal funds. I have already reached out to all my other payment providers and informed them of my new routing number and account number. I have even told Netspend corporation over recorded lines that I have updated everything with everyone else, and this was the only merchant that I was unable to stop from being put on my account because they could only refund me back to my original payment method per there policy and no other place they could send it .When I reached out to The merchant and let them know that my bank is refusing to send me the check in the mail. They advised me that the bank should be able to send me a check in the mail because there is no other way for them to give me the money back since it was refunded back to the original payment method. I need assistance with this and with all due respect I am very glad that my relationship has ended with Netspend corporation. They have done nothing but stress me out and here I am trying to get money back that belongs to me. Also, Netspend corporation offers virtual cards to use for there shopping protection for their customers, and I used the virtual card that was linked to my checking account for this transaction.
Product: Credit reporting or other personal consumer reports

I contacted XXXX numerous of times. I had late payments reporting and they told me to provide medical documentation. I provided the documents and a supervisor stated the amount of hours I was in the emergency room. I was out of work and provided my discharge papers as they requested. 

They are trying to retaliate by not removing the incorrect XXXX  accounts. The supervisor listed several reasons of why they will not remove the accounts. They stated someone else called on my account and it was my wife. Then they stated I filed a dispute with the credit bureaus. 

In all XXXX credit reports the XXXX  accounts are all reporting incorrectly. Account status, date opened, payment status, and date of last payments are showing different. 

Both of my accounts they are reporting to the credit bureaus are paid and closed. I was experiencing a hardship at the time the late payments were reported. I'm in the process of purchasing my home and this credit building account is the reason why I can't move forwards. XXXX are being very insensitive. If I can't purchase my home home my family will be homeless. My closing date is next week and if the XXXX accounts aren't removed they will suspend my contract. 

I will attach proof of the credit reports reporting inaccurately, medical documentation, emails from XXXX showing retaliation.
Product: Debt collection

I submitted a written request for specific information in order to establish the legitimacy of an alleged debt owed. After thirty days I still had not received the information I requested, nor had I gotten a response to my request. I made a second attempt to contact the company, included a copy of my first information request and a request CEASE and DESIST any and all further attempts to collect this alleged debt, which remained unanswered for in excess of thirty days. Over two months after the initial request I still had not received any type of response. I sent a third request for the information and requested they CEASE and DESIST any and all further attempts to collect this alleged debt. In addition, I requested they refrain from reporting to and/or remove from any credit reporting agencies this alleged debt that is currently in dispute and to provide written documentation that they complied with this request. I have spent months attempting to rectify this problem. I have no desire to escalate my frustration by continuing communications with this company. Its my belief that continuing to report this alleged debt to multiple credit reporting agencies without allowing me to verify the debt is harassment and a bullying attempt to collect an unverified debt.
Product: Credit reporting or other personal consumer reports

Unauthorized usage of my account to third parties and more without my consent.
Product: Debt collection

There was an account that was opened on XX/XX/2019 with XXXX XXXX for the total balance of {$3400.00}. This is a fraudulent account from the results of Identity theft.
Product: Checking or savings account

Good morning, You have an demand deposit account linked to the email address XXXX,  possibly under the name of XXXX XXXX, his number is XXXX. This person is involved in criminal activity and it is doing fraud. I transferred {$400.00} from my bank account to his account using the mentioned email on XX/XX/XXXX in exchange of concert tickets. He stole my money and never sent the tickets. I requested an investigation from my bank and requested to cancel the transaction within an hour of sending him the money. It was in process at this time. I want Citibank to take its fiduciary responsibility, refer this complain to the Bank Secrecy Act / Compliance Officer, conduct a research, monitor transaction activity in this account, and file a Suspicious Activity Report. This person should be in the radar screen of federal prosecutors as he is committing online fraud activity. See attachment for evidence. Please take action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening and how you been during this chaotic time of COVID-19? I continue to be surprised and shocked how your company continues to say that they verify this public record of bankruptcy. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from the us bankrutpcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. 

A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!!

I will never stop filing complaints against you because I know my rights!

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

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

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: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following, but they have failed to provide it. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry, and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

These 2 accounts are fraudulent and I'm demanding that they be removed immediately from my credit file. These accounts are not mines nor do i have any knowledge of them.

1. XXXX XXXX XXXX {$540.00} 2. XXXX XXXX XXXX {$68.00}
Product: Credit card or prepaid card

I received two CITI/ XXXX XXXX XXXX credit cards for an account I did not open. One card in my name, XXXX XXXX, one in some other person 's name who I do not know, XXXX XXXX. I called CITI and closed the account over the phone. They started a fraud investigation today, XX/XX/21. The results are pending. My point in contacting you os basic notification
Product: Credit reporting or other personal consumer reports

I found late payment errors on my credit report that are inconsistent with my payment habits. Please review and correct these.