23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

capital one gives me my first credit card [ XXXX2019 ] I make a payment {$4000.00} on a {$300.00} limit, credit card. I didnt know anything about what could happen if you overpay your credit card. I found out. [ XXXX2019 ] I am told my account had a 9 day hold on the payment [ XXXX2019 ] I am told I would be issued a check in the amount of the remaining credit balance. 

9 days pass and still no issuance of check. 
[ XXXX2019 ] send in documents, my social, ID, etc. 

Capital one will not CLOSE my account and issue my check out, due to them RESTRICTING my account after I had asked to close it. 

Says my account cant be closed. My check can not be sent out. WHAT
Product: Credit card or prepaid card

Citi Bank accepted payment via automated phone system on XX/XX/2020 in the amount of {$1000.00}. Citi Bank withdrew the {$1000.00}. from my bank on XX/XX/2020. Today is XX/XX/2020 and Citi Bank has not posted the {$1000.00} payment to my account. Citi Bank mailed a statement to my home continuing to charge interest claiming unpaid balance.Citi Bank automated robo calls to my business phone 4-5 times per day and weekends wanting payment.Citi Bank representatives call me live on business phone harassing me for late payment when the {$1000.00} payment was made early.
Product: Debt collection

I have not received requested validation information from this consumer - XXXX XXXX XXXX XXXX Account Number XXXX via mail or electronically. They are in violation of the FDCPA.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initiay available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card or prepaid card

XX/XX/XXXX As an existing credit card customer I contacted Wells Fargo to make a product change from my existing XXXX card to their cashback card offering the following promotion : " Earn a {$200.00} cash rewards bonus when you spend {$1000.00} in purchases in the first 3 months. I exceeded the {$1000.00} in purchases within the first month. Contacted XXXX and was told I didn't qualify as this was not a " new '' card and that " changing products '' did not qualify. 

At no time during the conversation to change to the different card, nor in their online agreement does it state that I was not eligible for the {$200.00} cash rewards bonus and yet with the exception of one representative, they say I'm not eligible. The one representative, XXXX XXXX, later agreed with my claim, she however did not have the authority to credit my account and so I was transferred to her supervisor who I left a voicemail for. This supervisor did not return my call. After many more calls, requests for escalation in an attempt to have a conversation with a supervisor, not one supervisor returned my calls. To date, Wells Fargo has yet to provide proof that I don't qualify for the promotion. 

Following are the dates I contacted XXXX along with the representative or supervisor and the case numbers. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX left voicemail XXXX XXXX  XX/XX/XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX : XXXX, later requested to be transferred to her supervisor, voicemail left XXXX XXXX XXXXXX/XX/XXXX : Left message for XXXX 's supervisor, name unknown, voicemail left again. Return call not received XXXX XXXX Link to the promotion and terms/conditions : XXXX Thank you in advance for your assistance.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$5700.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to report a serious case of identity theft and unauthorized account activity that has affected me. I recently became aware of multiple data breaches that have exposed my personal information, leading to the opening and operation of accounts without my knowledge. I believe this has had a significant impact on my financial well-being and personal security. 

I was initially informed about these data breaches through notifications on my computer browser, indicating that my sensitive information may have been compromised. Additionally, I received information from my former employer confirming that my personal data may have been part of a security incident during my tenure with the company. 

As a result of these breaches, I have discovered that accounts were opened and operated without my consent. This unauthorized activity is reflected on my credit report, causing further distress and concern for my financial stability. I have taken immediate steps to freeze my credit, but the implications of this breach are far-reaching. 

I am reaching out to you in the hope that your organization can provide guidance and assistance in resolving this matter. I understand that IdentityTheft.gov is a valuable resource for victims of identity theft, and I am seeking support in navigating the necessary steps to rectify the fraudulent accounts, protect my personal information, and mitigate any further damage to my credit.
Product: Student loan

I have had my loans for now for almost 10 years. yes I have put them in forbearance a few times due to hard times. I have received multiple notices throughout this time to consolidate the loans and it has always benefited me to do so. This time under Navient being my servicer I felt cheated and lied to. I called and asked about benefits in consolidating my loans with Navient and they responded that if I consolidated I would have less payments to make and therefore less interest would accumulate on the accounts ( at the time I had multiple subsidized and multiple unsubsidized loans. After I consolidated I found out I lost an interest rate deduction of .XXXX % from a previous consolidation with the Department of Education ( previous servicer ). After consolidating my interest rate went from XXXX % back up to XXXX % which on {$60000.00} is a big deal -NO WHERE WAS IT WRITTEN THIS WOULD HAPPEN TO ME. Unfortunately for me I decided to go back to school right before the great recession in 2007 so my interest rates are higher than my mortgage and my car loans combined. Why am I paying so much interest for an education! back to Navient. - One time I called in telling them I wanted to pay off my XXXX % loan with a lump sum payment. They were arguing with me on how to apply the payment telling me I needed to use {$2000.00} of my {$10000.00} payment towards some interest on the that did n't even exist and had n't accused yet if I want to pay off that loan in full. I did n't understand it but gave her the {$10000.00} payment and who knows how she applied. All I know is this - I 'VE HAD MY STUDENT LOANS FOR 10 YEARS - I borrowed XXXX and now I owe {$62000.00} - I made a lump sum payment of {$10000.00} - do the math - with the way my loans are accruing interest I will never pay them off, I 'm on the income based plan but with everyone wanting to consolidate me all the time ( XXXX already now ) I keep losing my " time '' under this plan and I keep starting over .... oh right I lost that too when I consolidated and she did n't say anything about that when I called either. My mom does n't understand why I have to report my income every year to the Federal Gov so they can determine my payment. Feels like modern day slavery to me except now it anyone with a student loan that is a slave.. We will never pay off this debt with the way this company is compounding interest upon interest upon interest. something needs to done with the amount of interest I am paying. Why am I paying more interest to the government for my education than I am to private banks for my mortgage or for my car or for anything else I want to borrow money for????? - SOMETHING IS WRONG HERE!! 

XXXX, XXXX XXXX XXXX XXXX FL XXXX
Product: Debt collection

I have unknown addressses on my credit report and XXXX XXXX XXXX has appeared on my report without my consent. Section 604 15 USC 1681 B states credit reporting agencies dont have the right to report without my written consent.

Section 605 A 15 USC 1681 c-1 states without my consent, that is identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these late payment remarks
Product: Student loan

I went to XXXX XXXX XXXX, the school claimed students would would get high paying jobs right out of college. The school pressured us into signing up saying the rates would change and increase, and also said they would provide job placement. It later changed to job placement assistance. The school over charged for the services and as a result was closed down. I understand there is a a ongoing class action lawsuit against the institution for these reasons. They never got me a job, I never got a job from any of the so called assistance they provided. They signed me up for private student loans to help pay for the expensive tuition, and said I would make plenty of money right out of school to pay it back. The whole time they were taking out many loans per semester instead of one loan. As a result the interest rates eat up all the repayment made. I have consolidated these loans and still have 3 totaling XXXX with high interest. I went to XXXX from XXXX. I would like to know if these loans will be cancelled as a result of this lawsuit. I had to file a complaint with the CFPB back in XXXX  due to struggling to pay back these loans. They offered a temporary reduction in rate. My loans had to be put into a 3 month forebearance. I have paid on the loans to 8-10 years and there is still a large balance. Navient and XXXX  were stealing from studnets trying to better their lives. Predatory loan is an understatement.
Product: Credit reporting, credit repair services, or other personal consumer reports

company reports that I was late on my auto loan payment 16 months in a row. The information they reported is inaccurate and false. I tried disputing with the directly and the credit bureaus such as XXXX Equifax and XXXX  and they have failed to verified such allegations. no one is willing to help me or show proof that I was in fact late. each bureau has different count of days late the same month and year. XXXXXXXX XXXX XXXX XXXX             Equifax               XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
as you can see nothing matches and the reporting on them are different on all 3 bureaus some are stating 30 days late but on another the same month and year says 90 days its absurd and need to changed to pay as agreed on all 16 months
Product: Credit card

Sears at XXXX XXXX, XXXX NC : POLICY for all cashiers as per management ORDER to maintain employment, is to offer customers a discount and withhold all information that this discount comes contingent with the approved application of their credit cards. They are also told to hold back the written material relevant to the credit card and application process and tear off the signature and scan page only for customer to see. This is rationalized as ok on the basis that the customer.. usually XXXX or English not first language or young and inexperienced individuals, and EVEN those that have STATED they do NOT WANT A CREDIT CARD, have given their social security card so it 's their problem. This is devious and I presume illegal. This has been going on to my knowledge as an employee since 2008 with ALL NEW HIRES.
Product: Checking or savings account

On XX/XX/XXXX I started an application with XXXX XXXX XXXX for a 7-years term fixed rate interest annuity policy, compounded XXXX XXXX per annum. On about XX/XX/XXXX the application approval process was complete by the company license agent and then submitted XXXX XXXX XXXX for the policy issuance. After XXXX 's approval, on XX/XX/XXXX I arranged for a wire transfer fund of {$32000.00} to the company WF bank account which XXXX received the wire transfer funds on the same day, evidencing by XXXX policy details record dated XX/XX/XXXX. I expected at the time this policy is issued the premium of this policy would increase to include a few internal XXXX exchange transfers which these XXXX exchanges had already been approved by XXXX 's license employee during XXXX 's review process. Thereafter, the policy packet XXXX would be finally issued. 
However, the policy packet issuance did not happen despite my patience, cooperation, and efforts with XXXX personnels with my hope to have the policy packet XXXX issued with or without the additional XXXX exchange transfers. Thereafter, several months passed by and even with my disagreement XXXX told me this policy is closed. In my opinion, XXXX action was totally unjustified! 
Next, on couple other occasions dated XX/XX/XXXX I respectively submitted 2-applications XXXX and XXXX. These applications involve several internal XXXX exchange transfers, and a wire transfer fund dated XX/XX/XXXX for {$3800.00}. Again, XXXX personnels kept on providing excuses to not issue the policy packets. XXXX unfounded claims concerning no available funds for these applications. XXXX most recent claim in late XXXX XXXX XXXX is not supported due to the fact they did not account for a sum of {$3800.00}, which was wire transferred on XX/XX/XXXX for XXXX and a sum of {$320000.00} was processed and confirmed in XXXX XX/XX/XXXX letter for policy XXXX. 
In summary, I can not help to think that XXXX  had singled me out in delaying the issuance of Policy XXXX and XXXX, respectively. XXXX 's actions concerning these specific applications-policies violated my trust in them and XXXX wrongfully used the cash they received from me in the amount of {$32000.00} since XX/XX/XXXX and {$3800.00} since XX/XX/XXXX without paying the interest. XXXX  apparent discriminated actions caused me money damages and much undue distress. I file this complaint and look forward to having CFPBs assistance to enforce XXXX XXXX XXXX to comply with their obligation towards me and to the public.
Product: Credit card or prepaid card

LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX Original creditor {$840.00} Open balance ok for one, I have never had a credit limit of that much ever, also I had a XXXX  XXXX account, why would I have two, I think this is fraud or a scam, but it's not me, I closed my XXXX XXXX account with a XXXX limit in good standing. This is wrong and it is dermaticly impacting my score. So I would be greatful if you could help me remove it. It's not mine and I have never had a credit limit that high ... ever!!! 

Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

In XX/XX/2016 I purchased a computer via XXXX. The computer arrived broken and I returned it for a full refund. Between the time I returned the computer and the time the refund was issued I cancelled my account with Wells Fargo. I reached out to XXXX  to change the destination of my refund, but was told that the refund had already been processed with Wells Fargo. I received an Email detailing the refund on the XX/XX/XXXX, but when I reached out to Wells Fargo they repeatedly denied having received the refund. Throughout my repeated attempts to resolve the issue each company suggested that the other was at fault. I eventually lost access to my Wells Fargo account due to my cancellation of my account ( which I cancelled due to repeated undisclosed charges to my account ) so I was unable to see any further messages from Wells Fargo, who eventually marked my complaints as solved and stopped responding to my inquiries about the situation.
Product: Vehicle loan or lease

Never missed a payment and at payoff my account is sating they I owe payment and reversed payment.
Product: Debt or credit management

I previously requested to recieve the settlement agreement and was told it would be sent over within 7-10 business days. I later found out the documents was never sent after calling about 7 days later. While on the phone they said they will make sure it gets sent over to my address ( which was correct on the system ) and I was told the same thing in terms of length. I called roughly the same amount of time later and they verified that it was sent out ( to this day I still have not recieved the requested documents via mail, however i recieved tons of statements and spam dated for after the request ). A few weeks later I had to pay out of pocket to recieve a fax of the document I had requested because that still had not mailed the document to my address. Immediately after I recieved the fax, I transferred over the payment required for the settlement of my account and this transaction finished on all ends on the XXXX of XXXX. I later found a mail dated for after the date the account was officially settled claiming that they sold my debt to another company. On this mail they provided incorrect contact information for the company and I had to call Navy federal multiple times to get more details about the transaction and the correct number for the company it was sold too. After I spoke with the company they said that navy federal mistakingly sold my account to them and that they sent it back. Durring my most recent call to navy federal they told me that I would have to wait untill they finish sending everything back to them before it would stop affecting my credit. I have been wanting to get this matter resolved swiftly since my very first request so my credit could become in good standing again. Because of navy federal poor service and mishandling of my account and information it could negatively effect my upcoming home loan causing undue financial stress on me and my wife. I believe that navy federal is in the wrong for the way they handled my account and information
Product: Credit reporting or other personal consumer reports

Advised companies, that information was not correct. Unknown inquiries.
Product: Credit reporting or other personal consumer reports

I was on the phone with Mariner finance and I asked them if they had any deferment options for my loan. They then told me they do not have any options but they can see if Im able to refinance I ask them does this require a hard inquiry on my report they said yes I told them I do not want a hard inquiry on my report and they did it anyway. they started to tell me what my options were and I ask them did they do a hard inquiry on my report without my authorization they said yes, and it will not hurt your report that much and I told them you were not allowed to do that without my authorization.
Product: Checking or savings account

One day around my birthday about XX/XX/2018, I lost my debit card due to being intoxicated at a party, w a piece of paper with important information. I reported it to the bank and they told me to make a claim which was denied. Ive been trying to make an account ever since but its been the same problem. Im not sure what to do, & due to this I owe them money for something that was out of my control. please get back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

RS Clark & Associates has never contacted me in regards to a debt they claimed was owed to them, but continued to report it to all 3 credit bureaus monthly. The account balance they claimed to be due, was paid directly to the original creditor XX/XX/2021, with whom I still have an account and RS & Associates was notified the same day by myself and the original creditor, that no balance was due. Instead of correcting their records, they sent an update to the credit bureaus saying my account was still owed as of that day. I filed more than 6 disputes providing receipt of payment and account screenshots and each time they would respond that my account balance wasn't paid and still outstanding as of XX/XX/2021.