23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

This is the second time I am having a problem with NelNet. In XXXX, I complained that I was having to pay more than what I was told my monthly payment was under the SAVE plan ( monthly payment is supposed to be {$420.00} ). Someone from NelNet responded and said that the extra amount that I paid would be applied for the next time my payment was due ( due on XX/XX/year> ). I was told in a letter from NelNet that {$400.00} would be due on XX/XX/year>. I planned to pay this amount, with a contribution of {$120.00} from my employer. On XX/XX/year>, I checked my account to see what was due after my employer had contributed their {$120.00} and saw my balance due for XX/XX/year> was {$330.00} ( and change ). I was surprised because doing the math of {$400.00} - XXXX should mean I only owe {$270.00} on XX/XX/year>. I reached out to NelNet to ask about this discrepancy and they told me that the payment by my employer was distributed to the next 3 monthly payments and that I should call the company making the {$120.00} contributions to apply all of it to my monthly payment instead of across all the loans. Fine. 

Today ( XX/XX/year> ), I checked my account again because I had received an email that my student loan billing statement is available. I was surprised to see the amount due had increased from {$330.00} to {$340.00}. I called NelNet AGAIN to ask about the discrepancy as I had been told my amount due for XX/XX/year> would be {$400.00} and I was not expecting that number to change. The customer representative explained to me that interest accrues and it gets applied to my monthly payment if my monthly payments are not enough to stop interest from accruing. What I don't understand is why my monthly payments are changing under the SAVE plan. Since this is income based and my income is not changing, why is my monthly payment changing? 

I'm extremely tired and frustrated of having these problems with NelNet and my monthly payments are extremely unpredictable every month. This is impossible to keep up with and I need an explanation as to why this keeps happening. The representative I spoke with said " well it's only a few dollars ''. That doesn't matter. Whether it's {$1.00} or {$100.00}, I can't continue to make payments every month not knowing exactly what I'm going to owe because I have things I need to budget for. I think this is a poor way of looking at this situation and I need someone to explain why my monthly payments keep changing.
Product: Credit reporting or other personal consumer reports

There is a collection account reporting to my credit report which lists Integrity Texas Funding as the original creditor of the account XXXX INTEGRITY TEXAS FUNDING LP XXXX. I don't recall opening an account with your company, and there was no correspondence sent to me regarding this account or the sale of this account. Please send me debt validation of the account mentioned. I am also seeking the forward flow agreement as well as original paperwork with my signature for this account. Also please send the correspondence that was mailed to me informing me that this alleged debt was to be sold. Being that I am trying to validate the information you send me, I will not be providing any more information than I already have in order for me to fact check what the alleged collection agency is reporting. Furthermore, I will not accept any correspondence outside of the CFPB portal. I am not interested in anything being mailed to me. I am requesting all documentation to be sent via CFPB so that it is easier to keep record of in case of legal proceeding. If you can not furnish the requested information, I advise you to contact the collection agency and/or credit reporting agencies and have the account removed from my credit report due to FCRA violations. If information is not received within XXXX  days, I will have no choice but to escalate this to the FTC and further seek my options in small court. Thank you for your help with this matter.
Product: Bank account or service

I booked a flight through american express. i could not cancel it within 24 hours because no one picked up the 24/7 services lines.
Product: Debt collection

They continue to send me bills in regards to this debt in addition they are reporting this debt incorrectly. This debt was discharged in bankruptcy and is still being reported as open. I have called them and sent a letter to no avail. I want the harassment to stop as well as my credit reported corrected.
Product: Credit reporting or other personal consumer reports

XXXX. ) XXXX Report # XXXX has a account listed as fraud and money owed to XXXX XXXXXXXX XXXX  They reported the wrong balance and status of account as suspected fraud. I have requested to opt-out of their reporting per ( 15 USC 68-02 ) as well as Inaccurate Reporting per ( 15 USC 16-81 ), Privacy Act of 1974 and 16 CFR 433.3 ( Illegal to report Transaction History ) 2. ) XXXX Report # XXXX / Transunion # XXXX / XXXX # XXXX A XXXX XXXX XXXX XXXX XXXX 15 USC 16-81 ( Inaccurate Reporting ) B ) 15 USC 68-02 ( opt-out ) C ) 15 USC 68-02-05 ( Payment History Illegal ) D ) Charge-off is a Certificate of Indebtedness, which = Income and that cant be reported on credit report E ) Privacy Act of 1974 F ) 16 CFR 433.3 ( Illegal to report Transaction History ) 3 ) XXXX XXXX XXXX A ) 15 USC 16-81 ( Inaccurate Reporting ) B ) 15 USC 68-02 ( opt-out ) C ) 15 USC 68-02-05 ( Payment History Illegal ) D ) Charge-off is a Certificate of Indebtedness , which = Income and that cant be reported on the credit report E ) Privacy Act of 1974 F ) 16 CFR 433.3 ( Illegal to report Transaction History ) 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Inaccurate Reporting ) B ) 15 USC 68-02 ( opt-out ) C ) 15 USC 68-02-05 ( Payment History Illegal ) D ) Charge-off is a Certificate of Indebtedness, which = Income and that cant be reported on the credit report E ) Privacy Act 1974 F ) 16 CFR 433.3 ( Illegal to report Transaction History ) 5 ) XXXX XXXX XXXX XXXX XXXX 15 USC 16-81 ( Inaccurate Reporting ) B ) 15 USC 68-02 ( opt-out ) C ) 15 USC 68-02-05 ( Payment History Illegal ) D ) Charge-off is a Certificate of Indebtedness, which = Income and that cant be reported on the credit report E ) Privacy Act of 1974 F ) 16 CFR 433.3 ( Illegal to report Transaction History ) 6 XXXX XXXX XXXX XXXX XXXX XXXX  ) 15 USC 16-81 ( Inaccurate Reporting ) B ) 15 USC 68-02 ( opt-out ) C ) 15 USC 68-02-05 ( Payment History Illegal ) D ) Charge-off is a Certificate of Indebtedness, which = Income and that cant be reported on the credit report E ) Privacy Act of 1974 F ) 16 CFR 433.3 ( Illegal to report Transaction History ) XXXX XXXX XXXX XXXX XXXX ) 15 USC 16-81 ( Inaccurate Reporting ) B ) 15 USC 68-02 ( opt-out ) C ) 15 USC 68-02-05 ( Payment History Illegal ) D ) Charge-off is a Certificate of Indebtedness, which = Income and that cant be reported on the credit report E ) Privacy Act of 1974 F ) 16 CFR 433.3 ( Illegal to report Transaction History ) 8 ) XXXX XXXX XXXX XXXX ) 15 USC 16-81 ( Inaccurate Reporting ) B ) 15 USC 68-02-05 ( Payment History Illegal ) C ) Privacy Act of 1974 D ) 16 CFR 433.3 ( Illegal to report Transaction History )
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 Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX has violated my rights. 

XXXX5 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.
Product: Credit card or prepaid card

I applied for XXXX XXXX Amex Card online on XX/XX/2021 due to their advertisement for the promotional offer for XXXX bonus plus other stuff. I was approved instantly and got the card on XXXX. 

I started spending and by XX/XX/XXXX I had spent more than XXXX which is the line to get the bonus. I did not get the bonus so I reached out to Amex 's customer service and was told I was not qualified for the bonus because I used to own other XXXX cards. 

I asked to speak with the supervisor and was told the same, I requested them to view my credit reports and told them that I do not have any other XXXX cards. I was told " they don't believe me ''. They asked me whether I would cancel my card and they would refund my card fee. 

I asked them to proceed to cancel my card. Now my credit report was adversely impacted and I am not qualified for the bonus to get other XXXX cards due to the fact that I have applied to the XXXX XXXX Amex Card and was approved. 

This is fraud and I would request CFPB to investigate and help me get a feedback from Amex.
Product: Debt collection

We owed XXXX business about {$200.00} - which we paid and have a cashed check as proof. Today we received a notice from a collection company called Sequium Asset Solutions , LLC saying they are trying to collect a debt of {$99.00} for XXXX XXXX from us. We absolutely do not owe XXXX a thing. We read on the reviews of Sequium that they are a scam and tried to falsely collect for XXXX ( XXXX XXXX ) from another consumer. This is wrong and I can see how someone who doesnt know any better could be scammed by this. They need to be stopped. They are listed as Sequium Asset Solutions , LLC at XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX. Their phone number is listed as XXXX.
Product: Debt collection

This is the XXXX attempt to remove a debt that is not owed on my part.The debt was paid in full, Since Equifax is saying that the debt has been confirmed, Im requesting a detailed process of reinvestigation?
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending back verified without providing information on how the debit is mines
Product: Student loan

I tried to pay my student loan off faster and applied money to XXXX of the loans. The money was reversed and applied to both loans. A navient customer service rep advised me the federal govt has regulations in which they must adhere too. And they would not reverse any pmts for these reason. They also extended the length of my loans with new pmt amounts again following government regulations. When I complained I received a nasty letter from indicating I was informed of theses regulations but could not do anything about it because they were only following what the federal govt had given them
Product: Credit reporting, credit repair services, or other personal consumer reports

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. '' Equifax and 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. '' XXXX XXXX XXXX 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. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and 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 Equifax, XXXX, XXXX, XXXX XXXX XXXX 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. XXXX XXXX XXXX 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 XXXX 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. Equifax and XXXX and XXXX are not maintaining reasonable procedures. 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 reporting, credit repair services, or other personal consumer reports

Hyundai Motor Finance charged my wife and I for a personal property tax and late payment fees on our leased XXXX XXXX XXXX without informing us of the tax charge. We are on autopay and pay our bills timely each month. We were never informed that there was an outstanding personal property tax charge or associated late fees. 

Today, XX/XX/2020, we learned that our credit scores were destroyed by Hyundai, which claimed to the credit bureaus that the personal property tax and late fees were delinquent. We were never made aware of the situation, via email, phone call, or regular mail. In fact, we only receive monthly emails that our autopay payment has been received. 

We reached out to Hyundai Motor Finance today to no avail. We will not be doing any further business with Hyundai when this lease is over.
Product: Mortgage

I returned home from vacation on XXXX and when going through the mail i discovered a Demand letter from XXXX XXXX XXXX XXXX XXXX telling me i was delinquent on my XXXX property taxes to XXXX XXXX on my XXXX Rose XXXX XXXX XXXX XXXX my residence ). It said if the bill was not paid by XXXX there would be additional interest and penalties and failure to pay by XXXX would result in XXXX County proceeding with levies and sale process. I immediately called Wells Fargo ( the mortgage holder ) at XXXX at night and spoke with XXXX ( XXXX # XXXX ). She confirmed that when they refinanced my old loan ( XXXX ) to my new loan ( XXXX ) back in XXXX XXXX that Wells Fargo failed to pay the XXXX taxes. She old me that she put in a work order ( XXXX ) and it would take XXXX business days to process. I asked for her supervisor and she told me that there were no supervisors available and could they call me back. I said yes. At XXXX XXXX XXXX XXXX ( XXXX number XXXX XXXX ) called me back. She confirmed that it was Wells Fargo 's mistake and it would be paid by XXXX ( a total of 18 days after the demand letter and 7 months after the initial error ). She confirmed that Wells Fargo would pay any penalties and interest. I asked her about the effect on my credit rating and was told that if i could show written proof to Wells Fargo that it adversely effected my credit they would correct it. On XXXX at XXXX I called the XXXX County Tax Commissioner 's Office and spoke to XXXX XXXX XXXX She noted in my file 1 ) I had contacted the mortgage holder 2 ) I had contacted XXXX County Tax office 3 ) The failure to pay was due to a re-fi 4 ) the bill would be paid by end of XXXX XXXX. She told me that there was a tax lien on my property and it would be removed 6-8 weeks after the bill was paid. What i do n't understand is why Wells Fargo did not catch this. Do they not have an audit process designed to catch these mistakes? Why can this not be taken care of immediately? Given my past experiences re-financing this property with Wells Fargo i do not trust them to take care of this issue in a timely manner and I will be the one to pay the price.
Product: Debt collection

Lanier collection has not validated this account, and I want it to removed since more than 30 days have gone by.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking over my report today and I noticed some inquires Im not familiar with I tried numerous amount of times to get some information on it but its been passed 30 days and I have not gotten anything in response please remove this inaccurate inquiries information 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 XXXX XXXX XXXXEquifax XXXX XXXXEquifax XXXX XXXXEquifax XXXX XXXX-Equifax XXXX XXXX-Equifax XXXX XXXX XXXXEquifax XXXX  XXXX-Equifax XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXXEquifax XXXX-Equifax
Product: Checking or savings account

XXXX I walked into a US Bank XXXX as I have a business checking account. I notice XXXX photocopied adverts on banker 's table. They are promoting XXXX XXXX XXXX XXXX accounts for personal and business purposes. The personal states XXXX XXXX and the business states XXXX XXXX  in bold lettering. 
I immediately read the fine print disclosures looking specifically to see if this is an " introductory '' rate. I see nothing. I ask the banker who reads the find print and says no. 

XXXX After doing some due diligence reading on their website, I open an account and transfer $ XXXX into it. End of month, I am paid an interest rate of XXXX XXXX 

XX/XX/XXXX thru XXXX I would make a few additional transfers into the account and by the end of XXXX, I have ~ $ XXXX and am paid an interest rate of XXXX XXXX, which includes a bonus due to the additional funds I have transferred. 

XXXX I make another wire transfer to bring the account to ~ $ XXXX. As I'm in the US Bank app to confirm the fund receipt, I click on the interest rate and I'm stunned to find it at XXXX XXXX. 

XXXX I go into branch and speak to a US Bank XXXX. I state what happened and ask to speak to XXXX who is not there. The banker proactively offers to help. She calls a support line and mentions the rate drop. She then conveys to me that my rate drop is due to it being " XXXX months '' since I opened my account. I explain that this was not stated in any of the disclosures I read. She stated that " rates are subjected to change at any time ''. 

XXXX I speak to XXXX. She expresses that there are others that have been impacted as well and there is nothing she can do as " rates are subject to change at any time ''. 

XX/XX/XXXX ( today ) - XXXX I speak to XXXX again. I tell her that I feel completely deceived. She again states that there is nothing she can do. She does offer to call her district XXXX. I ask her to please reach out to me today with some sort of response. No response. 

The rate plan which I signed up for at XXXX XXXX XXXX, is currently still being advertised by US Bank. It's on their website and the paper adverts are still there. I feel deceived. This feels entirely like a bait and switch scheme.
Product: Credit card

I applied for a card with Synchrony Bank and I was approved for {$8000.00} credit limit. I made a purchase for {$1000.00}. I made my payments every single month. Then for no reason, they reduced my credit limit to {$1000.00} and my balance was {$930.00}. This makes my credit utilization to over 100 % with all these fees and interest nonsense that they tacked on to it. 

When I reached out to them, I received no help from their staff. I told them that I have never missed a payment and they are punishing me by destroying my credit. I asked them repeatedly if making payments on time every month was not the right thing to do then what should I have done? They have yet to answer that very reasonable question. 

I offered to pay my entire balance off if they put my card back to the way it was. I shouldn't have my credit destroyed for making all my payments on time. The only motivation I have to pay off the credit card is to build good credit. When they change the rules on me for no reason and destroy my credit, they also destroy my motivation to pay them. Why would I continue to give them money after they destroyed my credit for making my payments on time? 

There was nothing on my credit report that would be a reason for them to reduce my credit limit and nothing had changed since I had applied and they gave me the {$8000.00}. This is obviously a scam that they are running, and it is absolutely disgusting how the CFPB does nothing about it and is a complete worthless organization that allows criminals to be criminals and destroy the lives of innocent people who are just trying to survive. I don't know how any of you sleep at night. 

My complaint was closed as if you did anything. All you do is relay my message to them?? Who cares and who needs you? Why do you even exist? 

The response I received is insulting to expect anyone to believe that nonsense. I've had with these corrupt companies who are discriminating against straight white males and are destroying my life when I have done nothing wrong. THIS IS SICK AND IT IS ONLY A MATTER OF TIME BEFORE XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

DO SOMETHING ABOUT THIS CFPB!! 

DO THE RIGHT THING SYNCHRONY!!!!!!!!!!!!
Product: Credit card or prepaid card

I chose this option to file a complaint because there was no filing option for my problem. 
I closed my Chase Bank credit card on XX/XX/XXXX. I need to get copies of my statements from XX/XX/XXXX to XXXX XX/XX/XXXX. I had a paperless delivery of my statements and need paper copies for tax purposes. 
I login to Chase online and Chase knew my name, address and phone number ( please see attachment ) but did not recognize my card number. 
I called XXXX and the phone number on the back of my card, XXXX, but could not get through - getting an automated reply that my card number is not recognized. 
My card is XXXX XXXX XXXX # XXXX XXXX XXXX XXXX. 

I am filing this complaint to get paper copies of my statements since I can not get through to Chase.
Product: Debt collection

HSBC BANK acounts # XXXX XX/XX/2011 Balances {$2000.00} This account was closed and paid still in my report as a debt .... please invest immediately. Correct my report and eliminate all negative information