23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

earlywarning makes it VERY TEDIOUS AND DIFFICULT to request a " free '' report. Fill in paper form and upload to password account. They make Zelle easy to use but throw roadblocks when consumers want information from them
Product: Student loan

My loan XXXX XXXX XX/XX/XXXX was at {$21000.00}, which was hardships and forbearance etc. I switch to Navient. Now it 's {$50000.00} showing on my credit, then they offered the Rehabilitation loan - I missed one {$5.00} ( XXXX dollar payment by being late ) I was already in my 6th payment of 9 ... they made me start from scratch all over again ..my second Rehabilitation attempt ... now in XX/XX/XXXX I finally have my 9 XXXX payment in ( do to hardship ) I am just waiting for my loan to come off default on my credit report. I have lost a lot of jobs and school time because of this and LARGE INCREASE IN STUDENT LOAN DEBT. what a wonderful solution. It increased my debt. because I miss or was late with XXXX dollar payment ... I was even unemployed at the time looking for a job : ( They said they would send me a letter in 30 days stating that my student loan is off default and to the Credit Agencies stating my loan is now in Good Standing. Let see if that true by XX/XX/XXXX*
Product: Credit card or prepaid card

XX/XX/2020 at XXXX XXXX  somone somehow withdrew XXXX dollars from a BOFA atm using my card that I had on me. First they did an inquiry than pulled out XXXX than another XXXX the next minute I got a notification saying my account was below XXXX. As soon as I find out I call the bank report it the cancel the card and send out a new one. I call the police and file a report as well as try to get ahold of the claims department unfortunately I couldn't reach them till the morning at XXXX because they were closed at that hour. So I make a claim they say wait 10 days so I thought I was good. 3 days go by I recieve a new card on the mail I go online to activate and find out my account is frozen. I call BOFA they say to call edd to get it open and as far as my claim goes it has been closed the rep had told me. I call edd tell then they say they cant do nothing. I call BOFA back ask for a supervisor and they say edd has to send some kind of code thru the computer to unlock it and than I can re open my claim and say to ask for a tier 2 agent so i do it and I speak to a edd supervisor they tell me they sent over a uisd request to BOFA to wait 10 days and call both agency 's to find out am update. So I do and nothing. Now this time being frustrated I contacted my local news place and I filed a complaint on this website. I recieve a phone call from a lady saying she's looking into it and she will call me with updates which she never did I never received anything or a phone call back. Now recently on the XXXX of XXXX I check the edd card account and it's open again. I call BOFA to try and reopen my claim so they can investigate and I get transferred to a fraud rep they tell me I need to contact my agency ( edd ) and he transfers me back to the regular edd debit card rep. I've been going through this going on 2 months now and I want my money back I've made report police reports talked to supervisors and I'm not getting anywhere please help me!!!
Product: Vehicle loan or lease

" I am pleased to confirm that I have successfully paid the entire balance for this car loan account. yet negative marks persists on my credit report. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraud alert was placed on my credit report in error by XXXX, XXXX, and Experian. 
I requested multiple times with these companies to remove the 7 year fraud alert. 
They placed it due to my dad 's truck being stolen in 2021. However, none of my information was compromised ; I was his XXXX of XXXX and requested a XXXX XXXX late payment to be removed due to what was going on with his situation. My information was never in his truck. 
Instead of doing their jobs and investigating the XXXX XXXX missed payment they decided to place a fraud alert on my reports. 
I filed a complaint with CFPB. 
These 3 companies stated they resolved the issue and closed the complaint. 
Today I tried to get internet, and could not due to the fraud alert they failed to remove, which is their fault because they didn't read the previous complaint in the first place. 
XXXX sent a post card with the fraud alert notice, so everyone who handled my mail would have seen that. So much for privacy! 
They have ignored my numerous requests to remove, and told the CFPB it was removed. It is not, because the guy at XXXX saw it today. 
Yet they marked my dad as dead on his credit report, which is fine, but they failed to finish resolving my issue. 
I demand the fraud alerts be removed, and I want a written explanation from Experian, XXXX, and XXXX as to why they failed to do their jobs and lied to the CFPB saying the fraud alerts were removed. Again, my information was never in the stolen truck owned by my dad in XXXX. Their workers just weren't paying attention and saw a police report and made an assumption. I would fire someone like that. They obviously can't take direction and are insubordinate. If the issue is working from home, make them come into the office and maybe they can afford to pay attention. 
I request this complaint be listed on the CFPB website for the maximum amount of time against Experian, XXXX, and XXXX. There is no excuse for this.
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 customer financial protection Act ( CFPA ) Specifically. Cash app failed to take timely and effective measures to prevent and 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 errors resolution requirements under the electronic fund transfer act ( efta ) And regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am a victim of idenety theft. I have followed the law and obtained an FTC affidavit and police report. I provided these documents along with proof of my identity to XXXX. XXXX  refuses to follow the law and violate by rights under FCRA by not blocking the accounts ( XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX 'XXXX, XXXX XXXX ) from my account in Four Business days. 

I now have to hire an attorney and sue XXXX  for damages that I have suffered. Hopefully after Trans Union is forced to legally fix the issue in court they can learn from their mistakes they commit against so many people everyday.
Product: Credit reporting, credit repair services, or other personal consumer reports

The original creditor did not receive my insurance information from the emergency room which was provided. I was not aware of this and now it has been sent to collection and appearing on my credit report. I have contacted the original creditor, collection agency, and my health insurance company since XX/XX/2020 but this still has not been removed my credit report. 90 days is more than enough time to fix this issue. This is negatively impacting my credit and affecting our ability to purchase home.
Product: Credit reporting or other personal consumer reports

EQUIFAX DATA BREACH -VERIFID THROUGH THE SITE MY PI AND CREDIT INFORMATION WAS BREACHED
Product: Credit card

Amazon switched to synchrony credit a year or so ago. At some point they changed their default from zirp to rewards. I select zirp ( XXXX interest ) for every purchase and made it my default. YET it seems every time i go to buy something the default is changed to rewards and interest. Last month i saw i was charged XXXX a whopping 30 % interest. I looked at my statement and I paid the amount due. which was roughly XXXX my balance was roughly XXXX. 

No where on the statement does it indicate " AMOUNT TO BE PAID TO AVOID INTEREST '' and nor do they apply my payment in reverse order to High balance or low balance. 

I thought these predatory practices were banned by credit card companies and they have to provide that information. This practice has to be stopped. I have the means and where with all to fight these practices MOST DON't Please investigate its absolutely ridiculous
Product: Debt collection

My full identity was leaked through the data breach and exposed to the dark web. My personal information has been compromised and is a violation of the 15 USC 1681 which is my right to my privacy. 

My name, home address, employment info, all email addresses, phone number, date of birth and full SSN has been exposed and this is unacceptable and yet embarrassing. 

Please help me rectify this as i've also take precautions to make sure this doesn't happen again as i feel very uneasy that my personal life history has been exposed to hackers.
Product: Debt collection

In accordance with the Fair Credit Reporting Act, this Creditor ( XXXX XXXX XXXX ) and its Debt Collection Agency ( XXXX XXXX XXXX XXXX XXXX XXXX ) now named LLYOD & McDANIEL , PLC have violated my rights. 

Under 15 USC 1681 Section 602, states I have the Right to Privacy.

I received constant harassing debt collection calls.

15 USC 1681 Section 604A Section 2, also states that a Consumer Reporting Agency can not Furnish/Garnish an account without written instruction. 

Sometime last year, XXXX, the joint account I and my wife shared with XXXX  XXXX XXXX was frozen and Garnished without my consent or any written instruction. The amount removed without my consent was more than {$600.00}. I later received a notification email from XXXX  XXXX XXXX after the fact. Few days later, XXXX XXXX XXXX XXXX XXXX XXXX  sent a letter in the mail saying a Court Order was issued for my account to be Garnished. In the letter they also threatened to come after my property if the amount removed was not sufficient enough to cover the debt owed. 

Under 15 USC 1666 B, a Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I have tried to pay the debt owed but my financial status does not permit me to continue. Furthermore, the debt owed is more than 2 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In  XXXX    XXXX  ,  Veterans United Home Loan told us th at my mother had {$150000.00} to buy a house on an already approved loan. We found the perfect house up in  XXXX , then afte r eight months of telling us to pack up and that the house was going to close soon, it never did. They said that my mother did n't  make enough money. In reality, when talking to a local lender, she would only be approved for {$50000.00}. They said they made a mistake and would send back my earnest money, the amount of {$500.00}, and they were going to put a new team on it and get back to me. It 's now been  five mon ths and they wo n't return any of my calls or emails. They should 've made further inquiry and informed us that I could n't cosign a VA loan with her, and lead us on for a year while taking my money. If the information regarding how large her loan would actually have been and the stipulations of the VA loans made clear in the beginning, I would n't have wasted my time, money, and efforts from the start.
Product: Student loan

I received a letter from MOHELA that my loans were placed into forbearance and specifically said
Product: Credit card or prepaid card

ON XX/XX/2018 I CALLED PENFED AT XXXX, AND SPOKE WITH A GIRL NAMED XXXX. I EXPLAINED THAT AFTER GOING OVER MY STATEMENT I HAD FOUND A CHARGE I DID NOT APPROVE ON XX/XX/18 FOR {$1000.00} DONE BY XXXX XXXX. SHE TOOK MY FRAUD COMPLAINT AND THEY SAID THEY WOULD SEND OUT A NEW CARD AND ID GET A REFUND. THEN ON XX/XX/18 I WAS SENT A LETTER WHICH I HAVE ATTATCHED CLAIMING THAT BECAUSE I DID NOT SEND IT IN WRITING IN THE FIRST 60 DAYS I WILL NOT GET THIS CHARGE REMOVED! I AM VERY UPSET! I AM A SENIOR CITIZEN AND DESERVE TO HAVE MY MONEY RETURNED TO ME AT ONCE! I DONT THINK ITS FAIR THAT I BE PENILIZED XXXX DOLLARS FOR SOMEONES MISTAKE!
Product: Credit card

I am a victim of identity theft. Barclays Bank Delaware opened an unauthorized credit card in my name using personal information. My credit report shows Barclays Bank Delaware made an unauthorized credit inquire on XX/XX/XXXX, then sent me a billing state for unauthorized charges totaling {$4.00}. The identity theft has been reported the XXXX Reporting Company disputing the Barclays Bank Delaware account was made on XX/XX/XXXX and a fraud alert has been placed on the account. I want CFPB to prosecute Barclay for fraud and theft and any other relief deemed proper.
Product: Checking or savings account

I and my wife are guardians for our XXXX XXXX son. My son receives Social Security ( SS ) funds and wages as a part-time employee in a supermarket. In the past the SS funds and wages were put in the same checking/savings account at JPMorgan Chase bank . However, I was told by XXXX XXXX XXXX XXXX that the funds should go into separate bank accounts. So, on advice of my attorney, I attempted to open a guardianship account in Chase approximately XXXX weeks ago. The guardianship account was opened, but immediately was placed on hold and the pre-existing checking/savings accounts in which the SS funds and wages were deposited were also put on hold. No one at Chase can tell me why the accounts were placed on hold nor what I needed to do to unfreeze the accounts. In the meantime, my XXXX son can not access his money to pay his expenses and bills, so I have had to cover them for him. I have been in daily communication with a banker and branch manager at Chase XXXX XXXX, NY branch ) and despite many apologies, no one has been able to help me. How Chase has handled this is reprehensible as this is affecting a developmentally XXXX adult who has elderly parents as guardians. There is nearly {$30000.00} in the frozen checking and savings accounts that my son can not access now and I don't know if his monthly SS direct deposit funds will be accepted into the frozen accounts so he may lose that money as well.
Product: Credit reporting or other personal consumer reports

I paid my XXXX  XXXX loan off on time, in full and a year prior to the maturity date. I recieved a loan payoff letter in XX/XX/year>. I then received a charge off letter from XXXX  XXXX in XX/XX/year> saying I had a balance due of {$300.00} some dollars.. I called XXXX  XXXX and quickly paid this despite the error on their side telling me about this month 's later and then not offering me the timely option to pay it. XXXX  XXXX then reported to my credit that this was a charge off and still reports the account as having a balance. The charge off status is completely wrong as I paid this in full and on time. They blame the problem on an accounting error between my previous bank and there own but have never fixed the status on my credit.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate of unverifiable information ( A ) general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the file of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following item ( s ) from my report, immediately : Account : XXXX XXXX
Product: Debt collection

So there is a previous complaint XXXX. I called back to try to get the address and account number to file a dispute. They refused to use give me the information or to allow me to have all contact in writing with the company as the LAW states I have a right to. I was told I would have to send that to them in writing yet refused to give me the address or account number to send that to UNLESS i gave then information in return. I finally just hung up and I am going to sue them for the violations of the fair debt collection practices act. He was rude, and abusive in his language, and he further when told that I was XXXX and needed my legal consultant to assist me, he became berating of myself and my legal consultant and refused to make any accommodations for my XXXX in violation of the Americans with Disabilities Act, he actually stated when told I was XXXX that he was going to treat me like anyone else He demanded i give him my proof right then, he refused to provide either a physical or email address and refused to accept my request to only deal with them in writing. This adds to my first complaint.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 I initiated wire transfer of {$1800.00} from Chase Bank to XXXX  XXXX XXXX. 
Received email confirmation from Chase that money was debited from my account and wire transfer was complete. 

XX/XX/2021 Recipient has contacted me saying money was not received. 

XX/XX/2021 I called Chase, they confirmed money was sent. 

XX/XX/2021 Recipient contacted me saying money was still not received. I contacted Chase, they told me wire was lost and would start recall process. 

Chase call reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They wont remove hard inquiries that I didnt have knowledge of and wont remove my late student loan payment when I was in forbearance
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. 

XXXX XXXX XXXXXXXX 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 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.
Product: Student loan

Hey, I have a XXXX Loan and they switched over to Navient. They are over charging my loan and my principal is not going down. They keep on collecting interest on my loans and also have been paying interest when I was in school so that my loans does n't exceed the amount after i graduate. After looking into it I realized that my original balance was XXXX and now its XXXX and I have been paying interest on this since I got the loan and it same thing for my other loans. I have been going back and forth with them but never got any resolution from them. I have been quietly paying the student loan every month of XXXX. The never every communicate on any changes or changes that I made which need results from Navient so I can move forward. For Example, I had apply for automatic payment but never heard from them that I was approved. I had to call them and confirm that I approved or I would have double payed them. I also recommend a lot people not to get XXXX or navient because they are very very unfair to the customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXXXXXX Acct # XXXX, XXXX XXXX Acct # 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
Product: Credit card

I was mailed a offer to relieve bonus miles as part of opening a new account. The miles we 're award however did not show up to my miles account with the particular airline. When I called to inquiry about this I was told it was due to having a incorrect airline miles account number. The correct number was given and I was told to expect the miles in XXXX hours. The miles never showed up so when I called I was told the miles would not be awarded due to having a previous account with the company. No where on the mailing solicit ion was this information provide in a easy to understand format. If I was not eligible for the account and/or bonus offer why was I solicited for the account. The company had all of my previous information and knew I would not be eligible. However this was not made clear to me when I first called about this issue. I was lead to believe I should expect the award miles to be available in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft and the credit bureaus keep reporting inaccurate information and its affecting my life tremendously. Ive reached out multiple time to Experian and they arent fixing my situation its never ending its stressing me out completely. Ive also explained how Covid 19 has played a part in this situation and they havent updated. The accounts that need to be removed are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX