23daVinci/CFPB_Complaints huggingface dataset:
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 effective measure to prevent and address fraud on this 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 regulations E. These actions have caused significant inconvenience and financial loss and i seek appropriate redress for these violations.
Product: Debt collection

CommonWealth Finance removed an item from my credit report and then re reported it with a new account # and status of account. If they could n't prove the account the XXXX time a new account # is n't going to change anything.
Product: Student loan

In XXXX 2010, I transferred my consolidated federal loans to FedLoan Servicing so that I could be a part of the Public Service Loan Forgiveness ( PSLF ) program. This program says that when you make 120 on-time qualifying payments while working full-time at a qualifying public service job for 120 months, your loans can be forgiven. 

When I transferred my consolidated Federal loans over to be a part of PSLF, I remained on an Extended Standard Repayment Plan ( 25 years ). I had a phone conversation with a FedLoan Servicing customer service representative to confirm I was doing everything correctly so that I would qualify at the end of my 120 payments. I was told that all I needed to do was submit paperwork from my employer to prove my service throughout the 120 months. That is what I remember and took away from the conversation. After years of making repayments, I have come to realize I have been on the wrong repayment plan. I should have been on the Income-Based Repayments Plan. I think that FedLoan Servicing did a really poor job at communicating this and made those terms very unclear. Also, I was paying more on the Extended Standard Repayment Plan ( {$350.00} ) than I would have on the Income Based Repayment Plan ( {$200.00} ). I would like those years of service and loan payments to count toward my loan forgiveness.
Product: Mortgage

I entered a program with Chase mortgage, a loan forbearance program due to the hurricane, where I would skip a few monthly mortgage payments and they will add those payments to the back of the loan. Chase send me mortgage contact that says I had to sign and return to them saying that I owe 6 months mortgage payments, that is false, I owe them 5 months. I called them and they confirmed that it was indeed 5 but they are withholding my last mortgage payment until I sign and return the new mortgage contract and that's why it shows 6 and not 5. They are hijacking one of my payments until a sign a fraudulent document. They will not send me a new document, and told me not to contact the authorities. 
XXXX XXXX
Product: Credit card or prepaid card

I was informed that Barclays closed my credit card. I have had this account since XX/XX/2011. I believe I was targeted and unfairly stigmatized by this institution. I currently have a balance of {$2100.00} with {$2400.00} credit line.
Product: Credit reporting or other personal consumer reports

This is my another complaint that I encountered incorrect credit reporting and I write to dispute this inquiry in my file resulting from the issue. The inquiry I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of this inquiry in my credit file that resulted from the erroneous credit report entries : XXXX XXXX XX/XX/year>. This inquiry is unknown to me. Also, the information you provided on this inquiry was DELETED from other bureaus and I have doubts about their accuracy and the reported history date on these inquiries are a mystery to me. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Checking or savings account

A {$25000.00} check ( check number XXXX ) that I gave to my sister was cashed by her on or around XX/XX/2018 with funds deducted from my checking account. I logged onto my online banking with BMO Harris this morning and saw that an additional {$25000.00} was deducted from my account, and the same check from XX/XX/2018 appeared in the image. I called BMO Harris and created a case for it to be investigated, but I'm extremely unhappy that there was no immediate resolution given the fact that BMO Harris allowed the exact same check to be used twice. I would think that most banks have technology or software to prevent this from happening.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax
Product: Credit reporting or other personal consumer reports

To whom it may concern : I recently received new credit report. I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you. Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report. 
Below is a summary of the data in which I am challenging : Personal Information for TransUnion NAME : XXXX XXXX XXXX XXXX Hello , I'm requesting that you update your system with my correct name, which is XXXX XXXX XXXX If you have any records of my name that differ from what I have provided, please delete them immediately. Thank you. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your most up-to date personal information should be accurate, timely and verifiable. If you don't have the proper documentation for your credit profile then it's not in compliance with FCRA or Metro 2 standards. Please delete any address in your system that does not match my address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Yours Truly. You are not following the rules. I have listed all of my rights in this document so that they can be met accordingly, but it appears you do not care about fulfilling your obligations under Fair Credit Reporting Act ( FCRA ) or Metro 2 XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. 
This is illegal, as each dispute and challenge must be addressed individually and on its own merits.Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. 
I will then contact my lawyer to take legal action. 

XXXX XXXX XXXX XXXX
Product: Debt collection

They were harassing me calling my supervisor. I do not owe this debt at all. I never authorized a transaction.
Product: Credit card or prepaid card

I have the receipts and the debit cards where I purchased the two cards they were serve American Express debit cards when was for XXXX  the other one was for XXXX  supposed to send it to my lawyer to pay for some fees and I got home and checked the cards and they were empty and I called the company and they said you got a register so I did or it said it was complete couldn't find out it didn't register so I went back today and tried to register again tried talking to them see if they direct me or have another way to do it nope it would not help but he said you got to register it with no other way also I tried I'm on my phone of course I tried to registered would not allow me to register so the furniture gone off the cards they won't let me register and they won't do it any other way they will not help they did not have an answer for that that you said I haven't registered I want them out of business because they're not supposed to feel the full money off my card number
Product: Debt collection

I have disputed this debt over and over again. It is not my debt. The debt is a result of ID theft. I have already filed a report on this with the ftc. I am continuing to be affected by this debt through my credit report and it has caused me a huge financial hardship. This debt needs to be validated with my signature and a proper verification.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX are fraudulently using SSN and saying I owe debts that are not mine. They are using my SSN without my authorization and turning around and saying I owe them. This is considered Identity theft. I was part of the data breach back in XXXX of XXXX. I was notified by XXXX about their wrongdoings. I also was notified recently that my Social Security Number was part of a data breach. I have ongoing correspondence with XXXX XXXX that I do not owe the debts that are alleged on my consumer credit profile. Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). Both accounts are paid for and XXXX does not have evidence that I owe a debt. I asked XXXX to send proof via the ledger on the account and a sworn statement under the penalty of perjury saying I owe them the alleged amount. I'm also asking XXXX to do the same as I do not owe this company. I did not sign any contracts with XXXX. I want to see the ledger showing I took out a loan. Then a signed statement under the penalty of perjury saying the debt belongs to me. XXXX XXXX and XXXX using my private information with third parties and that was not authorized. Attached is the identity report I filed with the FTC.
Product: Debt collection

My mother opened a XXXX savings and checking account as well as credit card and now the bank has opted to no longer do business with me. Now they say I owe {$680.00} and it's being sent by a debt collector. I know I didn't make any charges or use this money they are asking for.
Product: Credit card or prepaid card

On XX/XX/21 I made a reservation via XXXX for a rental car through XXXX. I have a child who is XXXX to a XXXX and we would need a vehicle that could accommodate his chair. I reached out to XXXX prior to booking through XXXX and asked if they would " upgrade '' me into a vehicle that was larger if I booked the rental from XXXX. They said that it was fine and to just call back once I got my reservation number. Once booked I called back and their answer at that time was I'd get whatever car was available at the rental office. I called XXXX to cancel and they told me they have a no cancellation policy. I booked a XXXX through another company and since then I've been trying to get my money back for a rental I never used and gave ample notice to cancel. Chase told me today via their supervisor XXXX that they have sided with the merchant and I can not reopen the dispute. I was billed {$220.00} for something I never got, had no chance to use and made every good faith effort to cancel. Every rental company over books their product and they suffered no loss.
Product: Money transfer, virtual currency, or money service

I made plenty of transfer with send wave, according to sendwave via a mail sent to me, Under the consent order, i am entitled to a refund of fees charged by Sendwave on XXXX or more of your transfers According to sendwave, XX/XX/year> Sendwave entered into a consent Consumer Financial rotection Bureau ( CFPB ) titled In re : Chime, Inc. d/b/a order with the XXXX, File No. XXXX. The consent order is available on the CFPB 's website at https : XXXX According to send wave I was suppose to get a refund cheque of {$14.00}. This check was never sent to me. 

I did alot more transfer which was charged with sendwave. None of the refund was send to me. Rather they sent me a letter claiming they sent me a cheque which is not true. 

I have contacted them twice and nothing has been done. 

Kindly look into it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never heard of XXXX until I received a denial letter from XXXX XXXX for an auto loan request. Upon further research they are a connection with XXXX. I do not approve of them having my information, nor do I approve of them issuing my " score '' based upon personal life interactions that are not entirely financial. I should not and do not need to verify my sensitive information with a company that just popped up at random in order for them to freeze my " credit profile ''. This is absurd and I want my " credit profile '' eliminated from their systems if they can't be forced to close up shop.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any accounts which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX : XXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXXXXXX XX/XX/2020 XXXX XX/XX/2020 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, Today XX/XX/2022 I received the letter response via the USPS at XXXX XXXX regarding the reinsertion of previously disputed results that had been investigated and removed by Equifax. The timestamp on the Equifax letter is XX/XX/XXXX and it was received today XX/XX/2022. Equifax did not notify me within the 5 business days and instead it was a total of XXXX business days and per the FCRA Equifax did not comply with regards the reinsertion of the item XXXX XXXX that was removed and reinserted on my Equifax account the fine print on the letter has a date of XX/XX/2022 ( bottom right ). Also to note what I find interesting is that XXXX XXXX the alleged credit furnisher has not been able to provide me with validation yet Equifax has been able to based on what the furnisher supplied, so I'm not sure how they can say it's valid and XXXX XXXX could not and XXXX XXXX has sent me a letter stating that they are still looking into the issue and investigating to date and still does not have any answers.The letter has no USPS date on it! See all attachments. 

I have attached the letter from XXXX XXXX dated XX/XX/2022 that they are looking into the matter with regards to the account in dispute, stating they are still looking into the matter. So gain, I ask did Equifax take the proper ethical steps regarding this account that is fraudulent and happened under identity theft. I am requesting that Equifax please delete this account immediately and please refrain from destroying my credit worthiness. 

Thanks for your prompt attention into this matter.
Product: Credit reporting or other personal consumer reports

I have reported multiple inaccuracies on my credit report. Each time I have shown proof and it is claimed by Experian to be accurate however, after months the account still is reporting inaccurately on my credit report. There is numerous violations and this will be my last attempt before getting my consumer law attorney involved. The account in question is XXXX XXXX XXXX. Despite sending numerous letter for months showing flaws Experian claims they investigated even though no proof or changes has been made. It has been removed from all other credit bureaus and reports. I expect action to be taken against Experian for numerous Consumer report violations.
Product: Checking or savings account

On XX/XX/2023, I made a purchase from XXXX, acquiring a laptop. Upon receiving it, I discovered a defect with noticeable lines on the screen. In response, I promptly initiated a return. However, XXXX unexpectedly closed my account and remained unresponsive to my attempts to seek resolution via emails. 

Subsequently, I filed a claim through XXXX to reclaim the funds associated with the purchase. After a two-month process, the claim was unexpectedly closed. Despite my attempts to provide additional information for resolution, XXXX cited XXXX as a hindrance and asserted that the claim couldn't be reopened. 

This situation is perplexing as no request for supplementary information was communicated during the course of the claim. I possess pertinent evidence, including the receipt and tracking information, which was not considered in the claim closure decision. 

This erratic handling of the case by both XXXX and XXXX has left me in an unjust predicament, and I am compelled to file a complaint with the CFPB to seek a fair and equitable resolution to this matter. I believe that the procedural irregularities and lack of communication merit a thorough investigation to ensure consumer rights are protected.
Product: Debt collection

Within the week of XX/XX/2023, I got a mail from XXXX XXXX XXXX XXXX, offering I pay half ( {$1500.00} ) of a debt of ( {$3100.00} ) charged to a Capital One credit card. I called the capital one customer service to inform them that account was fraudulent. 
Within the week of XX/XX/2023, I received a mail stating that the company made an investigation and determined there was no sign of fraud. I called capital one customer service and was transferred to a supervisor who maintained the same claim. I requested the billing details and called their customer service to let them know they were defrauded. 
Within the week of XX/XX/2023, I received a letter from an another debt collector - XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX email them on XX/XX/2023. 
XX/XX/2023, I got a mail that Im being sued by Capital One. I filed XXXX answer on XX/XX/2023.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a landlord and tenant complaint was filed against me stating that rental monies that i did pay were not received. Once I received the summons I immediately called Bank of America to get answers and alert them to the fraudulent activity. I informed the bank that I paid the money in question from my saving account that I have with the bank using XXXX, which is a money movement company that the bank has partnered with. I spoke with several different departments of the bank from customer service, fraud, non-fraud and money movement ... non of which knew how to help me and after calling the bank numerous times for weeks seemed to want to help me. I placed all payments made through XXXX to the aforementioned party ( the landlord ) under investigation ... the payments are as follows : {$900.00} made XX/XX/XXXX from checking account sent through XXXX {$450.00} and {$58.00} from savings account sent through XXXX I placed all three payments under both a fraud and non-fraud investigation and during the first initial calls I was told I would receive a refund. As time went on I was then told by the bank that money sent through although it is being pulled from a secure FDIC backed account, is not covered by insurance and therefore the bank can not issue me a refund, but instead I must speak to other party involved and ask for my money back Due to the banks lack of ethics and concern for their customers, I was ordered to pay the scam artist another {$450.00}. I find it quite strange and frankly unjust that banking institutions have aliened themselves with a company that does not back Americans money. Yet, they are allowing their own customers to be the bait for scam artist and thieves, without any way of retrieving their funds. I also, find it quite hard to believe that Bank Of America has a corporate office, but does not have a corporate phone number that works and transfers their customers to the corporate office operator. it all smells fraudulent, corrupt and unjust.
Product: Credit card

Jetblue ( Barclays ) has not been sending me statements by mail. I told them I want them sent from now on. They refused and said that I agreed to no paper statements and I have to deal with some company I never heard of. I told them NY law and the FCBA both require paper statements upon request and whatever I may have mistakenly said or done in the past I want them going forward and Jetblue repeatedly refused and also refused to have a supervisor respond except by phone ( I said I want a reply in writing and do not want anyone calling ).
Product: Credit reporting

This company throws every possible obstacle at consumers requesting their report so they are forced to go with purchasing one. While I could easily get my report from XXXX and XXXX and just as easily dispute with them certain items, it was impossible to do so with TransUnion. Yet, all of the alleged issues preventing one from getting their free report or filing a dispute will magically disappear as soon as one show interest in purchasing his/her report. This amounts to coercive attempts on their part to gain business, especially when one is in need of utilizing a line of credit or mortgage. XXXX T.
Product: Vehicle loan or lease

I paid my auto loan off in mid XXXX. I have been requesting a lien release letter from TD auto finance since XX/XX/XXXX. I have had the issue escalated XXXX separate times and I continue to get no help or answer to resolve my issue. I need this letter in order to obtain the title from the DMV. TD auto finance is not complying with my request and I am currently out about {$17000.00} ( on a depreciating asset ) and I can not do anything. I need a lien release letter and they are refusing to handle the issue or send me a letter. I have spent XXXX minutes on the phone on XXXX different occasions with TD auto finance customer service and they are doing nothing.