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

I asked simply why I was getting an error when I tried to order a replacement card through the Square Cash App. 

They quickly responded that " they have no further information that they can see on their end '', and there's noting more that we can do on our, and to please try again at another time. Sorry for the inconvenience, and thank you for understanding. '' -Monday, XXXX EST ( I've used Cash App for well over 5-6 years, and it's never been a problem filing to report a lost card, and they could send a replacement card immediately and it would soon coming in the application itself. Now, it doesn't even allow me to order the card, and it constantly says, " An unexpected error has occurred. Please try again later ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX failed to send me the loan account number so that I could make the payment so by the time I received the information I needed to pay the first 2 payments which I did and they agreed to not report a late payment. 

I traded in this vehicle on XX/XX/XXXX at XXXX XXXX XXXX in XXXX GA .. they didn't get this load paid of until XXXX of XXXX and even though I submitted the paperwork on my new purchase stating that I had traded in the car XX/XX/XXXX XXXX reported that I didn't pay the loan payment on a vehicle that I didn't even own.
Product: Money transfer, virtual currency, or money service

I am writing to formally report an issue involving a XXXX payment sent from my Chase account in XX/XX/year>, when the platform was newly launched. 

I attempted to send {$2500.00} via XXXX ; however, the funds were mistakenly sent to the wrong recipient due to an error in the entered contact information. Upon realizing this mistake, I immediately contacted Chase customer service to rectify the issue and retrieve the funds. Unfortunately, I was informed that Chase/XXXX could not recover the money, as the transaction had already been processed. 

As a result of this error, I faced severe financial difficulties. The {$2500.00} was meant for my rent payment, and its loss caused my rent to be delayed. 

Considering the extenuating circumstances, I kindly request that you review this matter again. I understand that XXXX transactions are typically irreversible ; however, given the impact this situation has had on my finances and the timeline during which this occurred, I would appreciate any possible assistance or goodwill resolution from your organization. 
Thank you for your attention to this matter. I look forward to your response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX S.S : XXXX XXXX XXXX DISCOVERBANK XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear DISCOVER BANK XXXX This letter is a formal complaint that you are reporting inaccurate and incomplete. Credit information. 
According to the fair credit reporting act, section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through the physical verification of the original signed consumer contracts any and all accounts you post on a credit report. Otherwise any one paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file for appended accounts listed below. 
XXXX Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
Alleged account name and alleged account number, I am requesting a re investigation and verify that all the data for this alleged account is 100 percent accurately reporting correctly including every notation dates and balances whether they are currently reporting or not. 

Under federal law you have thrifty ( 30 ) days to complete your re-investigation .be advised that the description of the procedure used to determined the accuracy and completeness of the information is hereby requested as-well to be provided with fifteen ( 15 ) days of completion of your re investigating, Thank you for your prompt assistance in this matter. 

Sincerely yours, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report, and I noticed an account on my report that should not be on there with a negative  mark. 

I demand the below accounts deleted from my consumer report immediately : XXXX XXXX XXXX XXXX - Paid in settlement. {$7600.00} written off The reporting of this account is violation of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ]. I paid off the vehicle and have the certificate of tittle in my possession proving the vehicle is paid off. 
I demand complete removal of the account as a XXXX XXXX and reflect proper paid off comment in full. this has affected greatly my consumer reports and life.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of my XXXX consumer credit report sent to me via mail.
Product: Student loan

Dear XXXX, XXXX daughter took out a school loan for her degree at Full XXXX in XXXX. I had to be a co-signer with my daughter as she had no income and the loan had to be taken out in XXXX parts. The first loan was for {$35000.00} at XXXX % interest and then after XXXX months, the second loan was allowed to be put in place {$24000.00} however the interest was set at XXXX % which was not explained at the time of the first loan being taken out. The loan was allowed to be deferred for a period of time but I can not remember the full information. 

We feel Navient are not set up to help the loaner for many reasons XXXX is that they do not send reminders prior to the due monthly payments if you pay via the online payment system. Over the last year, we have paid extra per month to get the XXXX % interest loan paid off however because the auto payment will not accept they will not accept over payments to the principle. When we pay the extra money per month the following month states we owe less payment for the month Navient do not want to apply the overpayment to the principle. This practice we can only assume is because it is more profitable for Navient to prolong the loan period. 

I have applied to be removed as a co-signer but Navient have refused even though my daughter has never been late for a payment since XX/XX/2013. 

My Daughter has tried to get the loan shark rate of XXXX % down but Navient have refused because they say there is not a lower interest loan available to her. 

Although we have spoken to representatives via telephone we have never been given satisfactory solutions to our questions, they do not have a email address to raise any concerns. 

I would be grateful of you could list us to your complaint. 
XXXX. 
Email address : XXXX
Product: Debt collection

Macy's- Account # XXXX I have tried to resolve this account with Macy 's numerous times and my account is not resolved. This account was used FRAUDULENTLY in 2019 when I was alerted of charges made and contacted Macy 's immediately to resolve. I was told by Macy 's that indeed there was suspicious activity and that the case would be investigated. The case was closed and my account was not fixed.
Product: Credit card

I was a long term customer of Discover Card. I went to use my card and found that it wasn't working so I called them and found out that they had closed my account because I had not used it in a while. The customer service rep on the phone told me that they had informed me by email in advance that they were going to close the account unless I had some activity on it within a short period of time. Since I could not find any communication about this notice from them I asked them to let me know when they emailed it to me because I could find nothing in any of my emails that informed me that this would happen. Discover could not tell me when I was informed and insisted that once an account is closed it can not be reopened. Their actions had a negative impact on my credit score and likely cost me money in paying higher rates for things tied to my credit like car insurance and other loans. 
Out of the blue in XX/XX/year> I received a letter from Discover ( dated XX/XX/year> ) that they 'inadvertently ' sent me an account notice electronically and they are now enclosing a actual printed notice for my records. They are sending me this notice over a year from the date when they should have. I believe that Discover did the wrong thing by closing my account without adequate/required notice and now they are trying to 'cover ' for their mistake. I may not be the only consumer who was harmed by their actions as I understand through media outlets that Discover was attempting to position themselves financially as a company at this time by closing many consumer accounts. 
I have attached a document that proves that Discover Card did not adequately provide me advance notice and that they realized this and sent me the written required notice they were supposed to provide over one year later!
Product: Debt collection

On XX/XX/XXXX I got a notification that a collection was added to my account from National Credit Systems from an apartment complex in Texas called XXXX XXXX XXXXXXXX. I am a victim of identity theft and Ive never lived in Texas and this debt is requesting me to pay {$7400.00}. There is also a eviction on my record from this aswell
Product: Checking or savings account

I received an international wire transfer from my employer a week ago. BB & T has been holding all access to my account pending an investigation. I have submitted proof of employment. BB & T charged my account for posting this transfer, yet they will allow no access to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$580.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$4600.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$4400.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$120.00} :
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 my XXXX Item # : XXXX sold requiring immediate payment through Paypal. 

On XX/XX/2019 I contacted Paypal regarding a hold that was placed on the associated transaction ID : XXXX. I contacted Paypal customer service by calling XXXX. 

The customer service representative answering the call is located in the XXXX. The customer service representative requested for myself to commit fraud by asking the buyer of the item to report the item as received so that the funds hold on the transfer could be released immediately. 

I advised the customer service representative that she just requested for myself to do something illegal and she was completely dismissive and indicated that this was normal procedure. 

I have been a Paypal user for 15 years and this is the second time that this has occurred recently.
Product: Debt collection

Company stated that this debt is no longer with their office but this debt is being verified by this same company on all three of my credit reports. If you no longer own the debt or have the debt in you office delete this debt from my credit report. You can not verify or keep reporting something that you have no access to any longer. Its unfair and against the law to keep doing so.
Product: Credit reporting or other personal consumer reports

Dates : From XX/XX/XXXX to XX/XX/XXXX Action taken : A dispute letter was sent
Product: Payday loan, title loan, or personal loan

the XXXX XXXX has a manufacturing recall and the lender did not explain the third party payments or the fact that the interest would be so high why is credit acceptance allowed to do this this is abuse
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in XXXX XXXX  Trans Union Corp.XXXX XXXX XXXX XXXX XXXX XXXX, 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Money transfer, virtual currency, or money service

I was scammed by an individual claiming to be a landlord / property manager. 

We initiated our conversation on XX/XX/23. 

After much conversation, I filled out a rental application, which he approved. [ also XXXX ]. I told him I wanted to move around XXXX. 

He indicated that he would forward the keys to me, as he was living out of state, after I transferred the deposit to him. 

I went and looked at the place ( without access and from the outside ). There was someone living there, whom I did not bother. The place was as described. [ XXXX ] I told him that I needed to wait until my following payday, but that I would pay the deposit on the XXXX. He said that would be fine. [ XXXX ] * transferred {$900.00} directly to his routing/account number through XXXX, using my financial institution BECU [ XXXX ] He then forwarded a ( signed ) lease for me to sign and return, which I did. [ XXXX ] He later informed me that his lawyer was requiring him to receive the 1st months rent before he could give me the keys. [ the first glaring red flag ] [ XXXX ] We came to an agreement that I would transfer the rent on my next payday, and that he would overnight the keys so that I could move in on the following weekend. 

* transfered {$1000.00}, again directly to his routing/account number with XXXX @ BECU [ XXXX ] After hem-hawing about how he hadn't received the funds because the transaction was pending, the morning that I had arranged to move he informed me that he was going to need another months rent up front. [ XXXX ] This was when I finally woke up to the fact that I had been scammed. 

I contacted BECU to notify them of the scam ( and of course, attempt to get a reversal on the transfers ). They informed me that they couldn't do anything, since it was 'a scam and not fraud '. They took my story and filed a report with XXXX [ XXXX ] A personal note -- I have conducted several similar transactions in the past, as I have conducted a few interstate relocations, and have successfully made arrangements with people that I never met. I was also under pressure to move, and was panicking a bit. There were red flags ( such as the fact that there is a dominant property management company in the area I was moving to that operated under this individual 's name -- this guy should have been more experienced and wouldn't have been changing our agreement like he did ).
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. with accounts 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  Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.
Product: Mortgage

I fell behind on my mortgage payment XXXX due to covid19. On XXXX, I applied for assistance with my mortgage company and on XXXX was denied for all options that allow me to keep my home. I was denied for a repayment plan because they say I can't afford it. I was denied a loan modification because they are unable to lower my principal and interest payment. This global pandemic has caused a hardship that would otherwise never have happened and caused a default that otherwise would never have occurred. 

When I bring this to the attention of the CFPB, what happens?! I receive a " courtesy offer '' for a repayment plan that increases my payment from {$1300.00} to {$2200.00}, that just might be the most courteous thing anyone has done for me. That is a joke. 

This is a global pandemic and anything less than you deferring or modifying my unpaid payments is a clear violation of my rights.
Product: Mortgage

XXXX XXXX XXXX, Mortgage Loan Officer from Fairway Independent Mortgage Corporation, demanded we pay Loan Origination fees citing the Intent to Proceed ( initial document ) for terminating loan proceedings due to his own refusal to work towards agreeable closing terms, which included access to information that was not ours ( third party financial disclosures ). 

His tactics we're coercive and, at some points, bullying, to demand payment for services not rendered. 

Our decision to not use him was the way he spoke to us personally and his upright refusal to accommodate our reasonable and lawful requests as consumers. He even refused to lock our rate early on fully knowing that interest rates were on the rise ( beginning with a low 3 % and resulting over 5 % ). 

In the end, XXXX XXXX XXXX pushed us into an situation where opportunity costs to pursue better rates with a cooperative officer early on directly effected how much we will now pay per month for our mortgage by several hundreds of dollars. 

We feel that the fees he invented out of thin air when we requested to terminate is an unethical tactic that might be more common at this office or even Fairway Independent Mortgage Corporation altogether. 

This is just the story of what we terminated with, the long email chains and verbal confrontations prior to were also extremely concerning
Product: Student loan

Entered into a rehabilitation loan repayment program about 11 months ago and was told that First, the interest would be at XXXX balance owed when completing the program. I have looked into the law regarding what governs this under 34 CFR 662.405 section 4, Vi, Paragraph B, of which it clearly states that they can not charge more than 16 % total collection costs to be added to the unpaid principal of the loan when the loan is sold to an eligible lender or assigned to the Secretary, which may not exceed 16 % of the unpaid principal and accrued interest on the loan at the time of the sale or assignment. The amounts shown would indicate that this would be more than 16 % and I was not notified within the 45 days of this assignment that it also clearly states in the CFR. I had brought this to the attention of the interest charges were way to much and I am asking that they recast the discrepancy that I had originally requested before transfer to a servicer.
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. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX VIA DEALER XXXX XXXX
Product: Debt collection

Account number XXXX was reported as a charge off and later paid off to Conns department store. I then received a check from conns on this account after they collected the charge off money saying that this charge off was paid. I have been calling different areas of conns since XXXX  of 2017 trying to figure out why This has not been removed off my credit report and off the account that is reported to their sales team in the store. I have spoken to several people and everytime I would get we are working on it or I do not know what else to tell you are this will be resolved in ten days. I have patiently waited and ask for some relief.Conns have no answers. They apologized but still no results. They have initially stated that they are walking over to the accounting department and I will get call backs and nothing transpired. almost 1 year later.The third party to whom apparently they sold the debt to can not be reached. I received no correspondence from conns as to why they accepted the money and not removed this block and report on my credit file. This is currently still happening. They explained to me two months ago that they have requested a roll back on the reporting and nothing transpired. I need an explanation of where is the money that was supposedly paid to this account who has it and why has this not been removed off the account immediately. Since then I have spoken to a XXXX XXXX and awaiting any correspondence that he may have and so far nothing has transpired.