23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

On XX/XX/XXXX, at XXXX XXXX I went to XXXX in XXXX, New Jersey. On route XXXX I went to withdraw {$390.00}. That ATM charge me {$390.00} with the ATM. Fee the ATM then said cash dispersement error and no money came out. The money came off my account. I then went to call XXXX and they said to call the card. The card I was using was a Cash App card. They said I had to call Cash App for them to dispute the withdrawal. I then went to Cash App. Had them disputed. I was denied my dispute and they said I have to contact XXXX I contacts XXXX again. They said contact Cash App. I contact Cash App again and dispute it again. I have them send me their investigation results. And they sent me just a picture of with my name on it and a withdrawal amount. And I said I got the money but I never received the money. So I'm out of {$390.00} and I don't know what type of investigation they did. Of course, the computers gon na say I got the money because it came out of my account if they did a proper investigation like have the ATM audit their machine if they. We'll see that it's XXXX extra dollars in the machine. If they would have the ATM look at the camera, they would see that I did not receive any money out of the ATM so I don't know what to do. I'm just out of {$390.00}, and neither company is willing to give me my money.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding the following negative items on my credit report : XXXX  XXXX - XXXX - {$2200.00} XXXX - XXXX - {$15000.00} XXXX XXXX XXXX - XXXX - {$4900.00} Employers : XXXX These entries remain unverified and raise serious concerns about their accuracy. I have made multiple attempts to resolve these discrepancies by submitting disputes and providing supporting documents, yet no corrective action has been taken. This lack of resolution has negatively impacted my financial stability and taken a significant toll on my overall health. The ongoing stress caused by these unresolved issues has made it difficult to focus on daily responsibilities. 

As stated in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of inaccurate or unverified information. I request a thorough investigation and prompt resolution of these matters to ensure compliance with federal regulations.
Product: Student loan

After several months and previous CFPB complaints I am still struggling to get my auto-pay enrollment processed by my servicer, EdFinancial. 

After struggling to communicate via chatbot ( was hung up on twice by the support staff at the start of our conversations ) and got an error code consistently in trying to use the email customer service form, I finally got someone from their team on the phone. 

I have attached a screenshot of what I see in my account but all service reps say that payments are not due until XXXX and are at {$99.00} not XXXX at {$0.00}. The blue box text led me to reach out to support today because it led me to believe my auto-pay had been processed. That is why I called only to learn my auto-pay has not been processed. 

Today I learned that my auto-pay enrollment was not being processed because I have been paying more than the minimum required amount during my monthly payments. There is no communication anywhere from the servicer that tells borrowers that paying more than the minimum requirement will keep their autopay enrollment from being processed. 

Today I was instructed to stop overpaying. Let my XXXX deadline go past, and wait until XXXX- pay just the minimum amount in XXXX. And then my autopay would likely go through after that. 

EdFinancial is willfully keeping borrowers in a state of confusion by not providing clear instructions about minimum payments and manual payments and auto-pay confirmation. This makes it slower to pay off our loans and we are punished for being responsible and attempting to pay off our loans sooner by paying a little extra each month. They are actively making it more difficult to pay back my loans. 

I have been through several customer service calls since i originally enrolled in auto-pay in XXXX of XXXX, including this call today XX/XX/XXXX before finally received this information that would have made my processing faster. 

Today I asked for written instructions about these next steps ( missing XXXX deadline, paying the minimum in XXXX, waiting for auto-pay after that ) after the phone conversation so I could keep a record and do everything correctly in a few months when my XXXX deadline arrives. They refused my request for written record of the conversation. They said calls are recorded but when I asked if the next person I spoke to would be able to pull up today 's recording in order to confirm the instructions I'd been given the customer service person refused to say where recordings go and what records are on my account. My servicer actively said " we don't communicate with borrowers '' during this conversation. 

Please terminate your contract with EdFinancial or immediately ask them to make clear and thorough instructions for their policies, and create policies that are neutral at least, that don't harm borrowers and punish them for trying to responsibly pay back their debt.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  :
Product: Student loan

See page XXXX of attached .pdf and the last sentence in particular. It discusses IBR as the third option that affects an outcome, and also as it was intended to be used. It is a XXXX creation in retrospect as viewed from XXXX. It has been misused by colleges and servicers alike, since XXXX. The 57 % default rate requires a forensic audit by the federal government in order to see how both colleges and servicers manufactured huge default statistics when income dropped to zero for many students during unemployment, due to the so-called Great Recession. The IBR form, was in this attachment, already set up for failure in distorting income information as this describes in detail in the .pdf. By XXXX, servicers compounded that distortion by reaching back into irrelevant earnings from previous years for unemployed students approaching a Government Shutdown, who had an immediate qualification status, due to XXXX unemployment. It matters not what happened in years past. No bearing on cureent income. Yhe .pdf talks abbout a four-year income. What? Where is the reality check in XXXX, given that thinking? The 57 % default rate was no accident! Those students - like me who qualified with XXXX other servicers holding a fist full of loans - were denied by a XXXX servicer based pn the same identical income answers. That bogus income verification fed an agenda by servicers to do a metadata grab ( that XXXX would envy ) in requesting instant access to IRS data when that had no bearing on students who were unemployed filling out IBR forms annually. The problem with government forms, like the IBR form, is that only the current status of students is relevant - and not necessarily provable - to the IBR. Preventing default was not part of the objective. It should have been priproty # 1!!!!! No oversight to stop defaults by overzealous illogical servicers. Only manipulation of income afformation was. That was a false premise. Record numbers of students are unemployed, qualified for IBR and unable to " prove a negative '' ( absence of income ) using the IRS. XXXX is not taxed. That is the problem. The unemployed served to create the 57 % to get faster information about the 43 % the next year. Problem : once again, faster information from the IRS is not what the decisions are actually based upon. They are based upon previous years thst have no bearing on the current income of the student debtor. The CFPB should take this XXXX .pdf and the XXXX statistic and see which colleges and which servicers misused the IBR and do an autopsy on how the defaulted loans were defaulted on students who qualified. This is outrageous!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out NUMEROUS letters to the Following Credit Bureaus. XXXX, XXXX XXXX Equifax, ALL DATES OF MAILING ARE ON THE LETTERS. After waiting months upon months, I have not heard from nor gotten ANY RESPONSE, in ANY FORM. I have sent letters I have called and have waited MANY MONTHS. I need ALL INACCURATE information removed from my credit report. They have failed in every way possible of servicing me as a consumer and I am losing all faith in the credit reporting process. I will be reaching out to a consumer protection agency very soon and plan on taking these agencies to court if my investigations are not completed! I want all of my accounts that have FRAUD RELATED PAYMENT HISTORY, UPDATED AND REVERSE TO ON TIME OR PAID AS AGREED & I ALSO WANT THESE FRAUD COLLECTIONS ON MY CREDIT REPORT REMOVED IMMEDIATELY! I was never notified about these accounts nor have the accounts been updated to currently in dispute. I have someone else 's information reporting on my file and nothing has been done to ensure my report is 100 % accurate or factual which is against the law! This is unconstitutional and a Grave violation of my consumer rights! I am a natural person and know my rights my attached letters will prove these claims! 

XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX
Product: Student loan

I make my monthly payments on time to Great Lakes, however when I make my extra payments, Great Lakes misapplys these payments. They did this to me 2 times. I made  2 extra pa yments of {$50.00} dollars toward   XXXX   XXXX   on  XXXX  and  XXXX . Both payments got misapplied even though I provided Great Lakes with instructions in a certified letter on how to apply the payments.
Product: Debt collection

I received notice of a bill that was in the collection from Capital Accounts in late XX/XX/XXXX. I immediately responded in writing by certified mail on XX/XX/XXXX, disputing this bill because I do not owe any money to XXXX XXXX XXXX. I was sent back a " validation '' that had charges on it that clearly weren't mine and interest and fees which are not allowed by Texas Law. Capital failed to send me enough information to verify that I owed anything on a bill from XXXX. Capital Accounts basically extorted me by threatening to report the information on my credit report whether it was right or wrong if I didn't pay or set up a plan by XX/XX/XXXX. I decided that I didn't want to have to fight to get this incorrect information removed from my credit, so I decided to set up a payment plan just to make it go away. I set the payment up on XX/XX/XXXX and Capital Accounts reported this false information anyway. When I called to clear up the mistake agents they tell me that they can not see that a payment plan was set up in their system. I emailed them my confirmation 3 times, got passed around, and was placed on hold for hours. Finally, I was told that a supervisor would call me back ( by XXXX XXXX whom I was told was a supervisor on a prior call ). No one ever called me back. I was forced to cancel my credit card to stop the payments since Capital Accounts refuses to acknowledge that I set up a payment plan.
Product: Money transfer, virtual currency, or money service

I initiated a wire transfer for {$9900.00} from my checking account at Santander bank on XXXX XXXX XXXX. This was an international transfer from my bank account to XXXX XXXX XXXX XXXX located in XXXX. The receiver has not yet received the payment even though it was promised to be delivered on XXXX XXXX. 

Santander Bank uses XXXX XXXX bank as an intermediary to process international transfers. Santander has provided me with proof that the payment was sent to XXXX XXXX. XXXX XXXX has not provided proof that the payment was delivered to the receiver in XXXX. The receiving bank states that they have not received the transfer and that they have no record of the transfer. XXXX XXXX is not assisting with locating the funds. XXXX XXXX does not communicate with me directly because I am not their customer. They have not provided any proof of delivery or a XXXX form showing funds were transfered to the receiver. 

I am a customer of Santander Bank. Santander is communicating with XXXX XXXX on this issue. Santander is XXXX XXXX customer in this matter. 

My branch has tried to assist but they have no insight in this matter.
Product: Mortgage

Dear Sir/Madam, I am writing to file a formal complaint against NewRez LLC XXXX a mortgage servicer, for potential violations related to interest accrual and reporting practices. It has come to my attention that NewRez may be increasing the unpaid principal balance ( UPB ) during the forbearance ( FB ) plan period, resulting in an inflated interest-bearing amount and interest accrual on interest. Furthermore, NewRez has been consistently reporting an increased principal balance to the credit bureaus on a monthly basis. I believe these practices are in violation of applicable regulations and guidelines. 

I assert that NewRez, as a mortgage servicer, is not capturing the delinquent interest accrual separately, increasing the note amount. This, in turn, raises the interest-bearing amount, leading to interest being charged on interest. Such practices may be in contravention of the rules established by relevant regulatory bodies, including the Federal Housing Finance Agency ( FHFA ) and the Consumer Financial Protection Bureau ( CFPB ). 

In light of the above, I kindly request the following actions to be taken : Investigation : I request that the CFPB conduct a thorough investigation into NewRez 's interest accrual and reporting practices during the forbearance plan period. The investigation should assess whether NewRez is increasing the XXXX XXXX XXXX, leading to an inflated interest-bearing amount and interest accrual on interest. 

Guidance : I recommend seeking clarification from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX or the CFPB regarding the permissibility of increasing the principal balance during the forbearance plan period. It is important to establish clear guidelines and standards for mortgage servicers to prevent unfair and deceptive practices. 

Reporting Accuracy : I urge the CFPB to address the issue of NewRez reporting an increased principal balance to the credit bureaus on a monthly basis. This reporting may misrepresent the true financial status of borrowers and could have significant implications for credit scores and access to credit in the future. 

I believe that addressing these concerns is crucial for ensuring fair and transparent mortgage servicing practices, protecting the rights of borrowers, and maintaining the integrity of the housing finance system. I am prepared to provide any additional information or documentation that may assist in the investigation of this matter. 

Please inform me of any actions taken or updates regarding this complaint. I appreciate your attention to this matter and your commitment to consumer protection. 

Thank you for your prompt assistance.
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 violated the Consumer Financial Protection Act ( CFPA ). Specially, 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 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 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 Number : # XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX ======================================= UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple disputes to Equifax credit bureau and I have heard nothing from them, I have attached multiple documents to help with investigation and multiple times my investigation has come back verified as 100 % correct. Per the fcra Equifax should be doing 100 % check on items I am reporting as incorrect. documents attached is evidence.
Product: Credit reporting

There are XXXX unkown social security numbers on my credit report that I do not recognize. There are also a alarming number of accounts that I did n't open.
Product: Checking or savings account

XXXX XXXX I opened a checking account with PNC and it was a joint account and on XXXX XXXX it was closed after the other account holder passed away. I did not have it closed and the funds that was in the joint account XXXX I never received. After the passing of the other joint holder he left me savings, money market account his estate checking account that as well I never received XXXX. A the home we was living in was mortgaged through PNC I had to leave my home leaving me homeless along with other personal property.
Product: Credit reporting or other personal consumer reports

A fraudulent account keeps reporting to this one Bureau and every time I have contacted them or attempted to dispute this account they update it as verified. Every other bureau have found this account to be fraudulent and has sense removed it. It has been 9 months and I have yet to receive any documents regarding the verification of this account. As of recently, when I call the automated systems recognizes my number and does allow me through to speak to a representative. This act alone should be illegal and a means for them to immediately fix all inaccuracies on my credit report.
Product: Debt collection

I had received a letter from javitch block and have been trying to contact them for a month now via email, phone and mail and request this information every attempt of contact, they have not gotten back to me but according to my mother call her excessively and disclosed information, Im not sure if that is true or not but what I do know to be true is I have been trying to come to an agreement and they are refusing. I understand javitch block is a receivership company meaning after failure for people to comply they can freeze bank accounts, however I have been trying to comply.
Product: Money transfer, virtual currency, or money service

On XX/XX/21 I made a transition with XXXX  using my Chase bank app. I thought I was transferring money in the sum of {$600.00} to my other bank account with XXXX XXXX XXXX.I noticed that the transaction did not immediately go through so after further investigating I saw that the money was sent to a XXXX account with the phone # XXXX which was not the XXXX that I thought it was going into. I have contacted Chase and XXXX several times to no avail. Basically Im out the {$600.00} with no way of even filing a police report because no information on the receiving party to be able to do so. 

Please Help!!
Product: Credit reporting or other personal consumer reports

Not being reported correctly, reporting that I paid off XXXX percent to XXXX correct company and XXXX percent to XXXX and experian. As per Fair Credit Reporting Act ( FCRA ), all information must be accurate, complete and up to date. Please delete.
Product: Vehicle loan or lease

BBVA Compass Bank claims that they had sold my car at auction on or around XX/XX/XXXX after a repossession. Their information is not correct. The sale was on XX/XX/XXXX. I have a  pending court case and I am trying to prove that I was falsely arrested. My car was towed off of private property without my knowledge or expressed consent. This arrested lead up to the vehicle being repossessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent a letter to XXXX, Equifax, and XXXX Credit Bureaus on XX/XX/2023, requesting verification and deletion of fraudulent information found on my credit file. After reviewing an updated copy of my credit report, I noticed that most of the fraudulent items are still being reported. Despite waiting for a response from the credit bureaus, I have not received anything. The three Credit Bureaus have failed to comply with the Fair Credit Reporting Act, specifically 15 USC sections 1681i, within the legally mandated timeframe. Their continued reporting of unconfirmed information, despite my attempts to address the issue directly with the creditor, can be considered willful negligence and non-compliance with federal statutes. I kindly request the complete removal of the following items from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Specifically, the fraudulent items on my credit report includes credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  and I do not have a contract with ( PORTFOLIO RCplus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$380.00}
Product: Credit reporting

A few accounts were removed from my Transunion report on  XXXX   XXXX     2017 and  reinserted.