23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX was supposed to put my account in forbearance and my payments until I could pay it completely off. They did not and reported me delinquent of 30 days and 60 days in XX/XX/XXXX and XX/XX/XXXX when I paid them off in full, they gave me a payoff number, including all interest charged and confirmed to me that my payment would take me to a complete zero account and then I closed it. They however, held my payment posted against their policies on the next day and charged me additional interest because they held my payment. I contacted them. They credited me for the additional interest charge. They also tried to make me delinquent again after I paid them off They also reported to my credit report after I went to a XXXX balance and closed my account, reported me over my credit Limit and reported me over my credit balance on my credit report. I requested them to fix these deficiencies. They refused. I reported this to Experian XXXX and XXXX XXXX the 30 day delinquency when I paid it off was corrected. They fixed my account to be paid off and a XXXX balance but they however, did not fix the delinquencies of XXXX and XX/XX/XXXX. I believe this company operates maliciously and Operates in bad faith. If you look at my credit history on my credit report, I have several open accounts most of them I have paid off and I dont have any bad payment history with any of them. This is the only bank that I have ever had an issue with I would like this corrected and fixed.
Product: Student loan

Dates : late  XXXX , early  XXXX    XXXX  .   Amount : : About {$400.00}, {$420.00} payment The company  is Navient, student loan company. They started to automatically called me with an automated message every day and so metimes after  XXXX   XXXX , they would not leave me alone. And the phone calls/harassment kept coming more aggressively with multiple people on the phone. After a while, they just offered me a short forbearance for abou t 2-3  months, which is ridiculous since I 'm not working full time at the moment. I spoke with them and notified this, still their customer service people would not even acknowledge the notes. I just felt like They 're harassing me, forcing me to make a higher payment and even threaten to default if I do n't agreed with their terms. This has got to stop. It 's ridiculous.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at ; 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 appears related to the aforementioned personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that appears coo the aforementioned personal credit card account opened at XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. Ido not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

WELLS FARGO HM MORTGAG is harassing me claiming I have a loan with them. Over the last 12 months I've corresponding back and forth with them to gain clarity on a loan they claim is in my name & social. After extensive research I learned this account was fraudulent & I filed an identity theft claim with identity theft.gov. I submitted the required report to WELLS FARGO HM MORTGAG along with anotarized affidavit claiming fraud. WELLS FARGO HM MORTGAG is still claiming I have any account with them & they're threatening to send me to collections ... I need this matter resolved ASAP & would like WELLS FARGO HM MORTGAG to close their files which have any information with my name & social on it ...
Product: Student loan

I believe the account is invalid. LIBERTY CAREER FINANCE needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be remove from my credit & their records.LIBCAREERFIN XXXX
Product: Credit reporting or other personal consumer reports

Transunion has been reporting XXXX XXXX XXXX collections balance incorrectly. XX/XX/XXXX - XX/XX/2023 reported XXXX XXXX XXXX XXXX as CLOSED then started reporting again. XX/XX/2023 Transunion sent me a letter stating my balance as past due {$360.00} but the original balance is {$360.00}.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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/year>
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. I would like the following inquiries and personal information about my account removed as it violates my rights. 

ACCOUNTS : - XXXX The above mentioned accounts and information have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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 timely and effectively 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 financials loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

Vacation rental payment total of {$1500.00} through Cash APP from my bank account and {$500.00} through my credit card on XX/XX/2023. Vacation rental was a scam purtraying to be the rental owner. Reported as a scam and my bank denied a refund due to using Cash APP. Cash APP declined my refund request / dispute and advised contacting the party I paid. Contacted the scammer for a refund and they tried to get more money before giving my refund. I have reported to police, FBI.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX  XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year> & XXXX XXXX Date of Inquiry XX/XX/year>
Product: Mortgage

Bank of America is my mortgage company I resive a letter from them today about missing XXXX  payment I call my loan company every time I called I have to put my account number and usually send me to a different person but regular costumer services person and he or she never answered my call or returned my calls I try diferente way today XXXX XXXX and it did work I spoke to a person his name is XXXX XXXX and he explained to me what 's going on around the beginning of XXXX bank of america gave me a called loan modification as you already know force me to sign through the court I was n't agreed of all the contest I have no choice but sign their called loan modification based on my income of my XXXX payment was affordable {$1400.00} more or less 3 mouths into the new loan modification they started to send me papers that I was behind my escrow went up I called but as I said no answer no calls back that right there started to make my mind more crazy because they already taken advantage of me their lawyer sending me his explanation the first was that I signed a contract with them second that I did a bankruptcy that 's only some of the excuses that I remember now but they are a lot more I stated that I 'm in XXXX  and my income is limited but I managed to make my payments on XXXX I make 3 payment that they stole or missed but thais the firs excuse for not getting the harp program their fraudulent tactics are this way same as what they are doing now they are saying that I missed a payment in their loan modification they put a bill of XXXXmy house was worth the most {$140000.00} they put all their expenses from lawyers court fees they claimed that the house have been watch another fee every little fee they can put they did $ XXXXthe new loan modification but could n't take money from the escrow because in their new contact they would started again to build a new charge for the escrow XXXX told me that in XX/XX/XXXX they have a shortage of escrow again so my payments of that mouth they applied it to my escrow as I said they took my XXXX payment to pay their called escrow shortage so they can say that Im late or i have n't make my payments of XXXX XXXX this c is a fraud to me because when they said there was a escrow shortage they started to rise my payments from {$1400.00} to {$1500.00} they said they would charge extra until I get my shortage fix my new payment is {$16.00} 01 and again thay said my escrow to blamed for the increase my home insurance stay the same my home taxes when up {$300.00} sinse my loan modification they started again to make my life miserable I hope there is a lawyer can help me bank of america is a fraud and in tired of being taken advantage of becouse my limited income coming from my XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. The la k of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit card or prepaid card

For the last XXXX months, whenever I've tried to pay my credit card bill online, the website gives me a prompt 'Payments can not be accepted at this time. Please try again later '. I contacted Synchrony via phone & was asked to pay via their automated phone system. However, this issue was never fixed, which is typical of Synchrony Bank. On XX/XX/XXXX, they reported a missing payment on my credit report, although I had made the payment on the very same day ( XX/XX/XXXX ). As a result, my credit score has taken a hit. I've a total credit limit of {$33000.00} across all my cards. My Synchrony Bank 's Paypal Mastercard 's limit is just a minuscule {$300.00}, and yet I'm bearing the brunt due to Synchrony 's shoddy systems & processes.
Product: Credit reporting or other personal consumer reports

Accordance to 15 USC 1681a ( 2 ) | didn't give written consent permission to have these accounts furnished on my TRANSUNION, consumer report. I HAVE MADE A POLICE REPORT OF IDENTITY THEFTVIOLATION POLICE CASE XXXX THE ACCOUNT IS XXXX ACCT XXXX IM ASKING THAT THIS ACCOUNT TO BE REMOVED FROM MY ( TRANSUNION ) CONSUMER REPORT. THANK YOU VERY MUCH IN THIS MATTER. THANK YOU IN ADVANCE GUYS
Product: Money transfer, virtual currency, or money service

PI am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to get access to new lines of credit, but a previous situation with XXXX XXXX and XXXX is impacting my overall credit-score. 

This incident happened in XXXX, 2022 with XXXX XXXX ( XXXX XXXX ) consumer credit card payment that was delinquent for over 60 days. This ( XXXX XXXX ) XXXX XXXXXXXX XXXX  was transitioning over to XXXX XXXX responsibility during that time, and would no longer be under XXXX  XXXX going forward. 

* This change caused confusion on the consumer side. 

* In addition the above change, this issue was further compounded since we recently moved and underwent an address change during that time and missed the notification entirely. 

My wife and I share responsibility for the payments, and tied to the card. There was a small {$65.00} charge that personally I was not aware of and went unnoticed for over 3-Months and is a poor reflection and major derogatory mark on my personal credit score.

When tried to resolve the issue, they were not willing to help and made things extremely difficult to resolve. I was so frustrated, I closed the account with them and did not move forward with the new responsible party of XXXX.
Product: Checking or savings account

I hope this message finds you well. I would like to submit a complaint regarding an issue with my savings account at Bank of America ( BOA ), where BOA changed my account type and issued charges without notification. 

Briefly, I opened a DBA deposit checking account ( # XXXX XXXX XXXX XXXX with BOA on XXXX XXXX XXXX  At the time of my account opening, the account had a minimum balance requirement of {$3000.00} for fee waiver. I deposited {$3600.00}, which, according to BOA, met the minimum balance requirement. Unfortunately, since this was a low-activity account, I did not closely monitor its activity. Recently, during a review of all my bank accounts, I discovered that BOA changed the minimum balance requirement for fee waiver on my account to {$5000.00} and has been charging me a monthly fee since XXXX XXXX Further investigation revealed that BOA " upgraded '' my account to " Business Advantage Fundamentals Banking '' with a {$5000.00} minimum balance in XXXX XXXX, without my consent or knowledge. I was not notified of this change, and I did not request or authorize an account upgrade. I would also like to note that this is not the first time BOA has unilaterally changed my account type without notification. The last instance was caught in a timely manner, and they reverted the change with a full refund. 

To address this issue, I visited a BOA branch to try to resolve it. A branch agent at BOA XXXX # XXXX submitted a refund request with an explanation of the situation on XX/XX/XXXX and XXXX XXXX XXXX The agent said a request refund of {$190.00} for XXXX will be the first step and the rest XX/XX/XXXX forward will be deal with later ( see image of agent handwriting ). Unexpectedly, the request was only approved for a partial refund of charges from XXXX to XX/XX/XXXX ( please see the attached email ), which is totally different from what I was told. 

While I understand that I should be more vigilant and notice these issues sooner, I still consider BOA 's actions unacceptable. This is the second time an account change has occurred without my approval or notification. Despite my efforts to resolve the issue directly with BOA, I have been unsuccessful, leading me to submit this complaint to CFPB for consideration.
Product: Money transfer, virtual currency, or money service

Looks like western union did not clean up there sloppy mis-management, rampant website issues, even more enraging is there blundering INEPT phone answering employees clue less on what the problem is, cant comprehend what website glitches means, mumble jumble english then handing out XXXX   answers contradicts the issues at hand covers up there own XXXX, reckless incompetence? Example, they gave me problems years ago, NO accountability what so ever, then 3-4 years later I started to use my online account again?! # I just sent {$400.00} to the XXXX last week, no problems, this week I sent {$200.00} no problems, 1/2 hour later I tried to send {$100.00} it blocked me with some idiotic, evasive excuse ( transaction exceeds compliance limit } WHAT LIMIT?! # Who's limit? Anyone can send {$10000.00} abroad before red flags are raised?????? NOBODY accountable or competent answers the phone, passes the buck/XXXX  excuses, example there website care number is interupted with some new backwards automated system, automatically hangs up on you? When anybody answers they seem to be to inept to fiquare out I'm not dialing customer service?! # 3 emails NO accountability let alone intelligent excuse, somebody muddled her response about privacy issue that there sloppy website issues, and/or what privacy issues? MY privacy??? This is my money my online account, my personal banking information/debit card? Nothing has been resolved, NOBODY there competent wants to fix these clumsy incompetent website issues, NO qualified technical support employees??? My online account is still blocked? How XXXX  is that? How many phone calls emails does it take before they fiquare out what brain cells are for, stop lying there customer orientated????
Product: Debt collection

I rented an apartment from XXXX XXXX where upon moving out I received a bill for {$440.00} for damaged carpet. I asked at the time to complete the end of contract walk through with whomever completed this process. I was denied that option so I completed my own walk through with video due to multiple complaints from previous tenants for where they were charged similar charges. I received the expected bill of the above amount for damaged carpets. I then attempted several times to contact the apartment manager, XXXX XXXX, leaving several messages because she was unavailable to take my calls. I then called the corporate office attempting to plead my case and was directed to several personnel 's voicemails as well. I sent the video of my walk through, showing no damages to the carpets, or any other potential problems, to both the local apartment complex manager and to corporate. My video was mainly the carpets for the complaints that I had received from previous tenants was of their carpets. I did not receive any return communication from either party, so I attempted again to call both entities, without success. I then started receiving harassing and threatening phone calls from a collection agency, Hunter Warfield, where they told me that if I did not pay I would be turned over to the XXXX collection agencies. I am at a loss as what to do for the charges against me are false.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered my 3 annual credit reports and it wouldnt let me retrieve any of them. I am a XXXX XXXX  an mother of XXXX children. My wallet had gotten stolen twice an I am on welfare.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed a certified letter to XXXX XXXX XXXX for my free credit reports on XX/XX/2021 which was received by them on XX/XX/2021. 
I received credit reports from XXXX  and XXXX  but nothing from Equifax. 
I contacted XXXX XXXX XXXX and they mailed me a letter saying I have to contact Equifax but I could not locate a way on the Equifax website to have the free report mailed to me. 
Can you help? 
Thank you
Product: Debt collection

Argon Collection Agency XXXX XXXX  bills ) There is one for {$7000.00} and one for {$170.00} dollars approximately. I have disputed them several times with XXXX XXXX  as well as XXXX XXXX and XXXX. Insurance has notified me as paid. This still shows on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX This account was paid through the previous bank that owned the account. I have asked the creditor to provide physical proof of this debt to include all transactions, signed recipients, payments, balances, application, credit limits, finance charges, fees, etc from when the card was open on numerous occasions and they have failed to verify this information but continue to report it as unpaid and charged offed despite it being incorrect and unverified. None of my on time payments are showing on this account. The account is being reported differently to XXXX, Transunion, and XXXX. These errors are negatively affecting my credit score, my ability to obtain credit, and my reputation. XXXX has had more than enough time to correct or delete this information. According to the FCRA they continue and knowingly are in violation and can be held accountable for actual and punitive damages. I demand that this specific and unverified information be corrected or deleted from my reports immediately!