23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2024, at XXXXXXXX XXXX  I prepared to transfer my money from my XXXX checking to my savings account with Marcus, as I had just been paid according to my recent transactions. I had about {$710.00} in my Marcus savings prior. 

When I tried to log in through the Marcus app, the screen displayed that I needed to log out, and it automatically logged me out, not even a few seconds later. I was surprised but didn't think much of it since the app had a face ID login, and I tried to log back in like normal. When I put in my information on the username and password, the screen showed me that the username was not found. I tried logging in until a screen displayed a phone number to call and a text saying, " We've temporarily locked your account. Please call us to have it unlocked, '' which I did first thing in the morning. 

The person on the phone asked for my information, and I gave my personal information, to which they responded, " Please call us again when you have the correct information. '' I was shocked as I had emails and phone text messages from my Marcus account with the same personal information I had given them. I called again the next day, and this time, they asked for my secret code, which I still needed to remember as the automatic face ID login assured me I didn't need to manually memorize my information as they have a secure login system. 

I called repeatedly and still need help to unlock my account. I was told, " Please call us again when you have the correct information. " I gave up as I realized I had made a mistake in not manually memorizing my secret code. I also manually tried to reset my username and password through the app, which didn't work either. 

I didn't know what else to do but was puzzled when I still received emails from Marcus about my account. Then, I learned about CFPB from my manager, which is why I am writing this complaint. If Marcus recognizes my email and a savings account clearly tied to my person, why can't I log in and have access to my money? Could you let me know why I am not given any other way to prove I am the owner of my own account?
Product: Credit reporting or other personal consumer reports

This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after l asked you to do it TWICE and your neglect has violated my rights, l am demanding a deletion of the following account : XXXX XXXX, XXXX. 
Under 15 U.S.C. {$16000.00} ( 7 ) Method of verification- Description of reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( ii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business nam and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonable available ; by not later than 15 days after receiving a request from the consumer for that description.
Product: Credit card or prepaid card

on XX/XX/2018 I submitted {$40.00} to my XXXX and XXXX visa card account dispute the cycle date update not being shown ( I did this in order to try to get ahead and not pay so much at the end of the month when payment is due ) I made another payment of {$110.00} on XX/XX/2018, 3 days before the payment date for a total of {$150.00} which was due at the time. 
on XX/XX/2018 I received an email about not making my payment, I just ignored as someone making a mistake, but just be sure I checked my account and was shocked to see that I owed a large amount although I had already paid for the past month and I immediate access my account website and start a chat in order to find out what was going on, the chat didn't work out due to tech issues. so once got home I phoned XXXX / XXXX and was told that I owed more them {$200.00} that was past due, I tried to tell the man that it was a mistake and was told that I had submitted {$40.00} before it was time to submit the amount, I was like what wrong with submitting a payment early and the call soon turned into a shout match on my part because I couldn't understand what I had done wrong. soon after I received a letter via the postal mail stating that my credit line had been decreased and I knew it was the early payment for the letter and decrease ( I don't care what they said about the credit reporting and other crab!!!! low score!!! etc. ) what XXXX / XXXX is during is illegally and not making sense, I want my {$750.00} credit line decrease to be restored plus all the so call late fee 's that I got hit with that totals almost {$400.00}. I tried once again to talk to XXXX / XXXX on XX/XX/2018 and was told in no uncertain terms to pay {$40.00} that was overdue and another {$220.00} by XX/XX/2018, the clerk I spoke to sounded like she was having fun at my expense, enough is enough!!! I been with XXXX for years and never had an issue until now ( synchrony bank  ). and always paid on time.
Product: Mortgage

XX/XX/XXXX - filed for forbearance with PNC as I was not sure what my employment future looked like after pandemic outbreak. Never received a statement during or when the forbearance ended as to what I owed compared to what I had payed. Then XX/XX/XXXX, I started getting notices in the mail that my account was in the rears and owed more than I could pay. However any extra that I tried to send was sent back, but then I would get another bill in the mail stating that I owed more than the normal payment. In the meantime, they wrecked my credit rating so that I can't even shop for another loan servicing agency. Up till I asked for forbearance, I had no issues with this company and I've had a mortgage with them since XXXX. In my opinion now, they are crooks and punish those who need help. After my financial responsibility with them is over, I will never do business with them again and I will tell my family and friends not to do business with them as they are too big to care about the little guy. 

XXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/2019, I paid {$60.00} for 18 holes of golf for three people at the XXXX golf course, via my Bank of America VISA card. I mentioned to the pro shop attendant, XXXX, that the weather looked ominous. She told me not to worry, that if it started to rain I would be issued a rain check. After two holes, it started to pour so we returned to the clubhouse only to be told that we would not be issued a rain check because the pro shop was closed. I called the pro shop the next day and was told that since no one was there to vouch for the weather, they wouldn't issue a rain check. I told them that staff were there, just not in the pro shop. They refused. I disputed this claim with the Bank of America. They denied my claim, saying I did receive part of the service and the remainder was outside the merchant 's control. I called and spoke with someone in their dispute department who said there is " nothing we can do ''. They did not investigate the claim. It is a well-established practice for golf courses to issue rain checks and this situation is unreasonable.
Product: Debt collection

Today, Tuesday, XX/XX/XXXX, I received a call at work from Collectron a company in XXXX, GA attempting to collect a debt from a company that I had not heard of ( XXXX XXXX  ). I asked if it was a doctor 's office and which Doctor it was for. They were not able to tell me. I also asked that they not call my work number and asked to have a detailed bill sent to my current address. I was told that they were not able to send anything until I made a payment. After I refused to do so I was transferred to the caller 's " Boss '' at which time I was screamed at and told I could " do this in one of two ways '' split the payment or pay it all at once over the phone. He did not identify himself when I asked for his name. I told him that I was not able to speak t him in detail at work while he continued to scream into the phone. I hung the phone up on the caller.
Product: Credit card or prepaid card

Hello, I am a current credit card and debit card user. I previously spoke with one of your Chase representatives in regards to the Chase plan. I was under the impression that I could take advantage of a Buy Now, Pay later option. Im getting married in XXXX and decided to take advantage of this program. I recently was told completely different in regards to this plan. I was told that my available balance will not change, but Ill have a higher minimum payment. This was not disclosed when I asked numerous questions regarding this plan. I am unable to afford this plan and was hoping to have my account back to the way it was. That is all I am asking for because I can not financially afford this. Im getting married in XXXX and I have a newborn baby. This plan is hurting me more than helping me. Im hoping that someone understands and will be willing to help me. I appreciate any assistance in advance. 

Thank you,
Product: Payday loan, title loan, or personal loan

Hello, Today around XXXX I returned a call to Mariner Finance about my loan. I explained I am only working part time right now and asked for a forbearance or payment modification. XXXX informed me that I wasn't able to do any of those things, she would call next week to see if I can make the payment. She also informed me that I could take a loan out to cover the payment and that it would show on my credit report as being behind on my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IN PARTNERSHIP WITH XXXX HAS VIOLATED MY RIGHTS WITH NO VALIDATING THIS ACCOUNT ON MY CREDIT REPORT. I HAVE ASKED THIS TO BE DISPUTED AND INVESTIGATED. I ONLY GOT A LETTER FROM THE COMPANY THAT THIS ACCOUNT WAS NO LONGER WITH XXXX XXXX AND FURNISHED WITH ANOTHER COMPANY. THIS SHOULD BE REMOVED IMMEDIATELY. IT HAS CAUSED DAMAGE TO MY CREDIT REPORT AND IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT BELONG TO ME THE ACCOUNTS ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE CRIMINAL COMPLAINT WITH LOCAL AND FEDERAL AGENCIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XX/XX/XXXXandXX/XX/XXXX CRAs. On XX/XX/2020, I mailed Equifax, XX/XX/XXXX and XX/XX/XXXXto Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit card

One year ago, I was mugged and my phone was stolen. Upon retrieval of my phone, I found that the muggers had gotten into my phone and were able to get into multiple apps to find financial information. While most of the apps were not an issue as they hid account numbers, the Bank of America app has a particularly bad issue. Not only does it display all of its own account numbers in plain text for all to see, but if any other accounts are linked ( such as those of a linked checking account to pay the credit card bill ), the entire routing number and full checking account number are visible in plain text. I had to close all accounts, open brand new ones, and reported this issue in XXXX of XXXX 

When I reported the issue, I was assured that Bank of America took this " very seriously '' and would " address it immediately ''. However, months and many app updates later, nothing had changed. I again addressed this with the bank, to which their customer service again assured me that it would be handled. We are now at a year later, and despite multiple calls and complaints, they refuse to actually fix this incredibly dangerous security issue. I am considering completely closing my account as clearly Bank of America does not take financial security seriously.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of specific accounts and inquiries on my credit file, as I am a victim of identity theft. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit report to ensure its accuracy. 
Please remove the following accounts from my credit file 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 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 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 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address a critical issue regarding a credit inquiry that appears on my credit report. While the inquiry is showing on my report, which implies proof of an approved account, I was denied access to my credit account I applied for. This situation is contradictory and suggests a violation of my rights under the Consumer Protection Act and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ), which stipulates that inquiries should only be made when credit is approved. The ongoing reporting of this inquiry not only negatively impacts my credit score but also indicates the continued use of my security interest without proper justification. Since you have denied me access to credit, I expect the immediate return of my security interest and the removal of the inquiry from my credit report. If I do not receive a satisfactory response or if the inquiry is not removed within 30 days, I will pursue legal action to protect my rights under the FCRA and the Consumer Protection Act.
Product: Debt collection

I took out a loan of {$400.00} dollars at the time I thought I would be able to pay the loan. My grandmother passed away and I was in an accident that left me out of a job that same year my dept accumulated interest and they were charging me XXXX XXXX  of my XXXX $ loan they processed to Harass me making threatening calls finally they called my mother and told her that this was a federal case and I am subject to go to court I was able to get a number to call when I did call the people were so rude to me threatening me telling me I was being sued that they would see me in court. They didnt give me much option now they are taking out XXXX from my paycheck for 4 months.
Product: Checking or savings account

I am writing to formally file a complaint against Navy Federal Credit Union ( NFCU ) regarding unlawful overdraft fees assessed on my account. I believe these actions violate the CFPBs regulations and have caused me significant financial harm. 

Description of the Issue : Navy Federal Credit Union charged me overdraft fees under circumstances that I believe are unfair and inconsistent with federal law, as recently outlined in the CFPBs enforcement action against NFCU. Specifically : I was charged an overdraft fee on [ date ( XXXX ) ] when my account had sufficient funds at the time of transaction authorization but not at the time of settlement. 
Alternatively, I was charged fees when delays in posting person-to-person payment credits created the appearance of insufficient funds. 

These fees were not disclosed transparently, nor was I adequately informed about the practices causing the fees. 

Impact on Me : These unlawful fees have caused me [ list specific consequences, e.g., financial hardship, additional debt, or emotional distress ]. Despite my efforts to resolve the issue directly with Navy Federal, I have not received a satisfactory resolution. 

NAVY FEDERAL CREDIT UNION XXXX NAVY FEDERAL CREDIT UNION XXXX
Product: Mortgage

I recently was denied and FHA streamline loan, and was forced into a higher interest loan from Quicken loans and then not given the refinances loan because of the appraisal that I did not have to have .Even as my house appraised for more than the amount of the loan .I believe I am being discriminated against because of my color and the demographics of the community in which the house is located .I was told I was denied the loan because the loan officer made a mistake and tried to put me in the wrong type of loan, Yet I am still denied credit because of their mistake .It is obvious that race and demographics is the deciding factor in the case. This will cost me thousands of dollars over the life of the loan and is blatantly discriminatory.
Product: Credit card

After faithfully paying this card online and getting statements, I logged myself out.I could n't pay I called in XX/XX/2015 to pay they said they could n't find my account so they told me to wait until they find out.Before the due date on XX/XX/XXXX, I called on a Thursday 2 days prior, they could n't take payments on the phone and they could n't reactivate online access due to the credit card being close previously. They said to overnight a payment. By now, I had no mail no email statement either. I didnt have assurance that mail will reach them on time. I was told I was getting LATE fees by now. Finally, I got an email payment reminder only on XX/XX/XXXX. I mailed the money but I did n't have the full statement. They money was cashed by them. I mailed them a letter XX/XX/XXXX and 10 days ago an attempted was made to speak with them to no success. I have no bill and I had to miss this month payment.
Product: Debt collection

In XXXX I obtained a loan for energy improvements to my home, through the XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). 

I have been making payments on that loan until, unbeknownst to me, the company that services that loan XXXX XXXX XXXX stopped payment through the automatic payment method that I had set up with them. It appears that this occurred XX/XX/XXXX. 

I have not received any written communication from XXXX XXXX XXXX to explain why payment was stopped. On or around XX/XX/XXXX I became aware that these payments were no longer being made. When I attempted to log in to my XXXX XXXX XXXX account, I found that my account was no longer accessible. When I was able to access their website with new credentials, my loan was no longer linked to my account. I still have no access to any information about my loan, since this was all done via the web account ( paperless ). I also have not received any emails from XXXX XXXX about the account. 

Around XX/XX/XXXX I received a call from a bill collector notifying me that they were collecting the debt on the account. I told them that I would not pay the debt until I was able to establish contact with the lender. Since this time I have been attempting to contact XXXX XXXX. 

The phone number at the XXXX XXXX office apparently doesn't pertain to loans outside of California or Florida. When I call this number I am internally forwarded to a third party bill collector, Concord. 

I have also attempted to contact XXXX XXXX via email and through the form on the XXXX XXXX website but have not received a reply. 

I am unable to contact the lender to confirm or understand the reason that my loan payment stopped or why this was referred to a bill collector. As I have no information from a trusted source regarding this loan, I am contacting CFPB to understand the legitimacy of the claim against me.
Product: Debt collection

Alleged debt was purchased by listed Collection Company or Representation  on XX/XX/2023. I made a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA, asking XXXX and Resurgent Capital Services to provide a list of documents they never provided. Instead, a simple account statements ( or two ) were sent, along with a letter ( Not certified by any entity ) explaining how they purchased this alleged debt. Anyone can sit in front of a computer and type such letter. All the requested documentation was never provided and 30 days had passed. Collection needs to cease right away. I gave them 30 days to respond to such request and they haven't. I'm attaching this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2020, I purchased a car and financed it through XXXX XXXX XXXX. 
Several months prior to this, I had filled out a Pre-Qualification application on the website advertising a different car that I elected to not pursue. 
Several months later I was pursuing purchasing a piece of real estate and was advised that my credit report contained multiple bank credit inquiries between XXXX and XXXX of 2020. 
Upon reviewing my credit report, I discovered multiple unauthorized credit inquiries on my credit report that were not initiated by me and from multiple banks that I had not applied for credit with. These inquiries are from multiple banks including specifically XXXX XXXXXXXX XXXX XXXX ( multiple ), XXXX XXXX  ( multiple ), XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX, and others that were not authorized or initiated by me. 
It appears that someone or multiple persons have attempted to use my name, my credit, my pre-qual application, or other acquired information got the purpose of obtaining credit. 
I am requesting that the various credit bureaus remove these multiple unsolicited and unauthorized credit inquiries.
Product: Student loan

I went to XXXX in XXXX, Ca. I believe I have Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement.
Product: Mortgage

In XX/XX/XXXX, PennyMac sent me an escrow refund which was less than amount actually owed. Upon calling multiple times ( XX/XX/XXXX ), PennyMac ( weeks later ) stated they applied a partial escrow refund to my payoff amount. This was done without my consent. The refund check issued to me was short.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take XXXX mely and Tective measures to XXXX XXXX  address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

The lenders were switched and I was not notified to be able to make the first payment on time. I did not realize the lenders were switched until the late hit my credit report. The late is effecting my credit profile.