23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Icalled XXXX XXXX for a special they had for {$49.00} they would clean my ducts on my Air C onditioner. The representative came out and immediately started telling my system was in bad s hape and most air conditioning companies would tell me I had to replace the unit but she would be able to fix the probleme my system was running fine at the time ). She comes back with this es timate of {$3100.00}. I explained I did not have the money. She proceeded to sign me up with Sync hrony Bank for the money. She had me sign everything on a laptop computer. She sI aid she woul d email the paperwork which she did I look at the contract and realized that I had three days to c ancel the deal. The next day I called XXXX XXXX and told the Office Manager XXXXXXXX XXXX XXXX  I wanted to cancel the deal per contract. She told me there was a Restocking Charge of {$1000.00}. I would have to pay. I told her there was no restocking charge in the contract they had sent me. 

I had three days by Florida Law to cancel the contract, and I sent Synchrony Bank proof I sent the letter to XXXX XXXX  that I was cancelling the contract. Synchrony Bank is refusing the Florida Law and won't recognize that I cancelled the Agreement
Product: Checking or savings account

On XXXX XXXX I had two checks deposited into my Capital One bank account that were the same amount of {$540.00} that I did not do. Then on XXXX XXXX I had another check deposited into my account with the amount of {$1200.00} that I did not do as well. When I disputed those transactions with Capital One on XXXX XXXX after checking my account I was placed on hold by an employee at Capital One named XXXX who made multiple threats about locking my account for other reasons that I did not call in about. I asked to speak to a Capital One Manager named XXXX and he placed me on hold for about 5-10 minutes. XXXX informed me that my account would be restricted until they completed an investigation for a PPP loan I received on XXXX XXXX and the amount of my loan would make my account negative. I let XXXX know that the checks that I was disputing were why I was calling in and that me disputing something going on with my account and now having something completely different now affect my account was not okay since I was not calling in for that. I received an email shortly after to send documents in regards to the PPP loan and also informed them multiple times through email and phone calls that I never stated that I owned a business and that I was a XXXX employee. My account has been negative $ XXXX for over almost three weeks and almost going on a month. I have had multiple bills that have been reversed and not paid because of Capital One locking my account or restricting all access to my account/funds. I have received zero information in regards to my original dispute which were three checks being deposited into my account, it has been 16 days since my dispute and there has been no resolution and those checks are still showing up in my account. They have not sent me a new debit card as well either. I made multiple attempts online to request a new card as well as calling multiple times and I have been told one is being mailed to you but I have not received one. Every single time I try and contact Capital One for an update and when I let them know this has gone weeks without an answer I am told the same thing which is we do not have an update for you and this can take as long as it wants there is no deadline or timeline.
Product: Credit reporting or other personal consumer reports

I would like to clarify that I have not authorized Midland or any other third-party agency to collect any debt on my behalf. I request that you refrain from reporting this disputed debt to credit bureaus. Im requesting that the debt be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY WAS STOLEN and I submitted several complaints to the CFPB on behalf of Equifax. I mailed in my FTC reports that included fraudulent accounts. Equifax is still reporting the fraudulent accounts and I need them removed immediately because it is hurting my chances on getting a home and this is all because of accounts that do not belong to me. I never had any contracts with the Department of Education. I submitted the FTC reports to Equifax several times and they are failing to comply and remove the fraudulent accounts. I submitted two FTC reports and they only processed one report. I called in and was told to send in the other report by a representative. I mailed the documents in and the tracking number is XXXX via certified mail with the XXXX. The document arrived on XX/XX/2022 and Equifax has 4 days to block and remove the fraudulent accounts and they haven't yet. Please remove these accounts immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone pretended to be an employer from XXXX. I got hired. They sent me a welcome packet which consisted of I-9, direct deposit slip, etc. I filled it out, and that is how they got my personal information. I did a report for them and never got paid, that is how I found out they were crooked. When I told them how crooked they were, they deleted all accounts. I was no longer able to reach them. 

I have 18 inquiries that I did not authorize : ( some are duplicated ) 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 XXXXXXXX XXXX, XXXX XXXX Fraudulent Accounts on my Consumer report : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Incorrect Address on Consumer Report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Checking or savings account

On or about XX/XX/XXXX Bank of America withdrew {$83.00} in funds from my account with out my consent or knowledge, when I called Bank of America to see what the charge was for, the woman I spoke with said it was for recovery for forced closed account for an old account, when I asked her for what closed account because I was unaware that I owed any money to them, she said I owed them for overdraft fees from an account in XXXX that was closed and another account from XXXX. She told me that they didnt have to notify me and that it would probably happen again. Now my account is overdrawn, how can they do this without notifying me first? I cant pay my bills now. I thought my permission was needed to withdraw funds from my account, Ive had this account with Bank of America for several years now, why are they just now deciding to take money from me?
Product: Student loan

XXXX XXXX, by and through its current collection agency, ERS, will not respond to my requests for documentation to prove the amounts owed on loans which have - largely and likely - been paid. Every time I ask XXXX XXXX for information, they simply change collection agencies and the process begins all over again. I have requested very specific information and have requested communications in writing ( since prior discussions and promises are unrecorded and unenforceable - in addition, there is no recording of tone or threats of the collection agents ) and have received NOTHING. However, recently, ERS has continued to report negative information on my credit report resulting in a XXXX point drop to my FICO score. 
Specifically, the information that has been requested in evidence of receipt of a payment made on my student loans in the amount of ( approx. ) {$19000.00} which has not been credited towards any amount owed. I have also requested evidence of authorization and/or ownership of the loan so I can determine whether or not the ( now ) XXXX agency handling my account has to proper authority and, in addition, I seek clarification of who owns the loans. It appears to continue to be XXXX XXXX, but they have failed to credit the near {$20000.00} they received on my loan. In short, they are seeking double recovery. 
Each time a new collections agency is involved, I get a letter requesting written confirmation if a dispute is being made as to the amounts owed. Each time I dispute the debt in writing and request information, my requests are ignored. 
The prior agency, XXXX XXXX, simply walked away from their efforts. The new agency, ERS, is choosing not to communicate with me, but simply engage in negative reporting on my credit. This complaint is linked to XXXX other complaints - all against the same efforts and same " owner '' ( I think ) - XXXX XXXX and its collection agency of the day.
Product: Debt collection

Delta Management, is tr ying to collect for   XXXX   XXXX  . The accounts are extremely obsolete and should have been deleted from my credit report at this time. The company has fraudulently re-aged the accounts . Delta Management s ent me numerous letters by mail at  one t ime and continuously contacted me when I asked them repetitively to stop all forms of contact. They have contacted my mother which I do not know how they obtained her phone number and they continuously contacted her after being told not to conta ct her.Then, th ey contacted her  XXXX  organization, contacting the Bishop of their  XXXX  in which I never had any affiliation with, asking if I worked for the   XXXX   XXXX   XXXX   XXXX  . and several other questions. I do not know how they obtained this man 's phone number, to question and harass him. Then when he saw my mother in front of their congregation, he informed of this call and asking her why this company is contacting him. I have never worked or had any affiliation with this  XXXX . Then they had the audacity to send me a demand letter for notice to prior wage garnishment, Then in the prior to wage garnishment, they had the audacity to threaten me and say if I did not sign and return, they would again contact the organization The   XXXX   XXXX   XXXX   XXXX   that I have never worked for or had any affiliation. I have nothing to do with this organization. This was extremely humiliating, stressful and harassing for my mother and myself and the  XXXX   Bishop  was extremely upset for the contact.
Product: Debt collection

On XX/XX/XXXX I was seen by a care provider that goes by the name of XXXX XXXX. My insurance was not billed correctly through them and I was trying to dispute the amount of {$140.00} to bring it down to {$40.00} which is my copay. In the process of doing so, the account was automatically turned over to Collection Bureau Incorporated in XXXX Idaho on XX/XX/XXXX. XX/XX/XXXX Collection Bureau/ XXXX XXXX XXXX XXXX . ( Attny. And owner of collection Bureau LLC. ) served legal papers to collect this debt plus the incurred charges as followed : The original debt of {$140.00} from XXXX XXXX Attny fees of {$140.00} COURT COSTS : {$160.00} PROCESSOR FEE : {$30.00} AND 12 % INTEREST : {$9.00} TOTAL AMOUNT IS NOW {$480.00}. When I call them to resolve this matter, they told me they made several attempts to call me and send me letters in the mail. I received one letter and one phone call only and let them know that I was disputing this matter with XXXX XXXX and my insurance. Not once did collection Bureau inform me that they were going to file a claim against me if it was not paid in a certain time frame. I believe that this attorney is double-dipping and taking advantage of people that are already having a hard time paying their bills it seems that this should not be legal.
Product: Credit card

On XX/XX/year> I applied for and received a credit card balance transfer from XXXX XXXX XXXX XXXX ( XXXX  ) to my Wells Fargo Visa Credit Card ( WFVCC ). 
The Balance Transfer transaction was approved and I was told to allow 5 to 10 business days for the transaction to be sent to Wells Fargo Bank, XXXX XXXX XXXX, XXXX XXXX, IA XXXX. I received a letter from XXXX stating the payments were sent as of XX/XX/year>. 

Payment was not reflected on my WFCC on line balance sheet. When Wells Fargo was contacted, they stated that the payment had to go to Wells Fargo Credit Card, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Wells Fargo Bank also expressed that XXXX should be notified to stop payment on the checks to WFCC in XXXX XXXX, IA. XXXX was notified and they issued a stop payment ; then re-issued two checks to the WFCC Office. 

On XX/XX/XXXX, the Wells Fargo on line statement reflected a deposit placed into my checking account, with only a small portion open to pay on my XXXX account on the XXXX of XXXX. The balance would be available on XX/XX/XXXX. On XX/XX/XXXX at XXXX, I payed on my WFCC Visa Account. account. On XX/XX/XXXX at XXXX, WF Bank had declined the XXXX Payment, and placed my WF Bank account in overdraft, thus depleting it's balance. 

On contacting XXXX, they showed no problems with the transactions. In contacting Wells Fargo, they had not expressed any reason for rescinding the payments that placed my checking account into an overdraft.
Product: Credit card

On XX/XX/year> I paid my Capital One credit card off in full. The amount I paid was {$5100.00} I called before I made my payment so I could get the right amount. And that's what I paid. 
After the payment posted it showed I owed no money. On XX/XX/year> I received a statement and it said I owe {$75.00}. 
I called and talked to XXXX on XX/XX/year> at XXXX p.m. He said this {$75.00} is the interest from XXXX XXXX. I asked to speak to a supervisor. 
So XXXX took my call and said he was the supervisor. He said the same thing, it was interest from XXXX XXXX. 
If I made my payment on XXXX XXXX then the interest from XX/XX/XXXX XXXX should be included in that payment I just made of {$5100.00} Because the next interest charge would come on XXXX XXXX. But the bill is paid in full already. 
And the supervisor named XXXX said he was not taking it off. I feel that Capital One is trying to fraud me out of money I do not owe.
Product: Credit card or prepaid card

I referred my friend to apply southwest credit card at XXXX XXXX XXXX, which should be considered as proper channel. I tried twice to send email to her through the system. Maybe because her email address is in our email opt-out database, no email will be sent. Anyway, she applied the card use the same email and got approved. But I did n't see the bonus point posted to my account which suppose to be XXXX bonus points. Thus, I sent few emails / called to ask. Then, Chase asked me to provide my friend 's information, including name, address, credit number etc, and asked me to wait for the credits to my account. I waited and no respond anymore since XX/XX/XXXX. Then, I filled this complaint form.
Product: Credit card

I made XXXX payments on my Indigo card. XXXX and XXXX on XXXX. I paid using my checking account. On Indigo payment line it says any payment made before XXXX will post the next business day. I made both these payments before XXXXXXXX XXXX on XXXX. I called today and I asked a supervisor why my credit will not be available for use until XXXX ; according to a representative. The supervisor said just because the recording says it will be available the next business day does not mean it will be. I can use XXXX XXXX and credit will be available the same day. This company needs to be investigated. This company is preying on people who are trying to rebuild their credit. XXXX annual fee, credit is not available when needed. There is over XXXX complaints on the BBB website about this company. I have never missed a payment or been late.
Product: Student loan

Back in XX/XX/year>, I sent a request to transfer my loans to MOHELA and be put on the SAVE/REPAYE plan, which would involve a $ 0 monthly payment given my current salary. I was erroneously put on the STANDARD plan and charged {$1900.00} per month. After speaking with them on the phone, they adjusted the monthly payment to {$0.00} per month and refunded me the {$1900.00} they incorrectly charged me in XX/XX/year>. 

My main issue is that there is interest accruing in the amount of {$3700.00} from that XXXX incorrect charge. I expect this interest to be waived pleased and reset to {$0.00}.
Product: Vehicle loan or lease

I have had my loan open less then 2 months only had 1 payment due during this time. The first payment I made of XXXX on my account through the finance app provide from the finance company I choose the selection to apply to amount financed which also a payment was not due at the time making this an additional payment. The bank took interest out of that payment and refuses to reallocate the funds to where they were suppose to go. My current payment is {$570.00} I made my first monthly payment of {$1000.00} dollars almost doubling my first monthly payment had no issue with that cause I know finance charges must come out of the monthly normal payment. 5-6 days later I went back on the same finance application to pay another {$240.00} towards my principal I called the bank before hand to make sure it would be a PRINCIPAL ONLY PAYMENT. The rep assured me that is correct a PRINCIPAL ONLY PAYMENT NO INTEREST TAKEN OUT. Well the payment was finally adjusted on my finance and for the second time theyve taken interest out of my PRINCIPAL ONLY payment. They refuse to reallocate the money. What do I do??
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an old account on my Experian report that is showing a {$0.00} dollar balance and this debt has been sold to another agency. This is incorrect on my report, as I no longer owe this company The Account is XXXX XXXX XXXX
Product: Debt collection

I am writing to request the immediate deletion and removal of the accounts and information listed below from my consumer report. It has come to my attention that these accounts and information are being reported in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Therefore, I insist on their immediate deletion from my consumer report, as their presence is in clear violation of multiple laws. I urge you to take prompt action and remove these accounts and information without delay.
Product: Credit card

I recently had a dispute opened with Synchrony Bank regarding a transaction for {$740.00} for services that were not described and rendered. However, despite all of my efforts and providing them with more than enough evidence this world 's worst bank was not able to resolve or fight the dispute with the merchant. Now they have posted the charge back in my account as I owe the balance, when they opened the dispute, they also took away the 2 % reward I got with the transaction. 
A XX/XX/2023 back I called Synchrony Bank and spoke with the Manager named : XXXX  and he told me that he has to submit the ticket to back office and I should be getting those rewards back within XXXX billing cycle. 
However today i.e. XX/XX/2023, I received a letter saying that Synchrony Financial is unable to redeem rewards points and I have to go to online and click redeem rewards points. 
Now this clearly shows how intelligent and awake their team is and No wonder why they didn't fight the dispute because they did not want to do any work. My inquiry was very simple If they want me to pay the balance for that transaction based on the credit card rewards term, they should also post back the 2 % rewards that they took away and they are telling me that how to redeem rewards, seriously? 
I called back again today XX/XX/2023 and spoke with another manager : XXXX and informed him the same after wasting another XXXX hours on the phone he sang same song that he has submitted the ticket and I will be getting the rewards in XXXX billing cycle. I also requested a call back from him Manager or direct supervisor and he told me that it is not guaranteed. 
At this point I am simply amazed how the XXXX this bank still exists and ruin the customers life every day.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan account was reported 90 days late in XX/XX/XXXX after all of my student loans were placed in a 12 month forbearance status per my request in XX/XX/XXXX. I sent Navient the documented proof of a forbearance approval but the negative 90 day late is still being reported on all 3 credit bureaus.
Product: Mortgage

My loan was sold by XXXX to Mr. Cooper and just after they got it they had a security breach. Now, today, I'm trying to get into my account to get my tax information ( getting my taxes done tomorrow ) and their website is down. App is also down. I called to ask if they could email the info which she did, but because the site is down I can't access it! 

So frustrating! I am really concerned about this company now - how secure are they and do I need to continue to worry about my information? All the other mortgages I've had in the past always sent a physical form for taxes - I got one from XXXX, but they don't. Makes things very difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion agreed to remove fraudulent items but has not yet removed.
Product: Debt collection

I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation.
The information in this ID Theft Report is Clearly LEGIBLE. I am a victim of ID Theft a Government agency has confirmed this fact. I did not receive any benefit from these accounts. There is no need to request for further identification   XXXX   XXXX   is again violating the Fair Credit Reporting Act they claim to verified these accounts yet have not sent Any Verifiable proof.
Product: Mortgage

Submitted multiple sets of documentation to Shellpoint overXX/XX/XXXX and XX/XX/XXXXto have loan modified to comps in the area. XXXX XXXX FL homes were # 1 in areas hit hard in the real estate crash ofXX/XX/XXXX. They jerked us around for a year and claimed docs needed to be resubmitted. I want the late charges removed from this account. They falsely claimed docs were incomplete or not received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified that a credit inquiry was made to Transunion on XX/XX/XXXX by XXXX from XXXX XXXX XXXX XXXX, XXXX, GA XXXX, telephone # XXXX ( I tried to call was told that it was not a working number ). I've talked to both Transunion and XXXX who advised I contact you.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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