23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I applied and received a secured credit card from " HSBC BANK '', around XXXX, XXXX. After Closing account by phone notification, and offsetting credit balance by sufficient security funds held by HSBC BANK I deposited for the credit card, HSBC BANK continued to accrue interest and penalties against my credit balance. Years later, I discovered on my credit report an outstanding balance reported by HSBC BANK, and sold to other collection companies to perpetuate an updated date of debt beyond the 7 year limit of the law ( XXXX to XXXX ). I do not owe any principle balance or interest/penalties created by HSBC BANK or collectors that I resolved upon cancelling this credit card. My security more than offset any outstanding balance
Product: Vehicle loan or lease

Hi on XX/XX/2019, I purchased a used car through XXXX of XXXX in AZ and tried to buy GAP insurance since its finance thru USAA. I was told that per the Military Lending Act since I am a XXXX they cant sell it to me. I tried to buy one through USAA but they do not sell them anymore. This MLA is hurting the military service members unnecessarily. I told them this only applies to active duty not weekend warriors but they said it does. Is that true? XXXX XXXX XXXX wont sell the GAP. Thanks.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023
Product: Mortgage

XX/XX/year> Borrower : XXXX XXXX Account # : XXXX Address : XXXX XXXX XXXX XXXX, Tx XXXX Attn : Carrington Mortgage Research Team Fax : XXXX Good Morning, My name is XXXX XXXX and I am a borrower who just recently hit 90 days late on my mortgage. I have been 60 days late for the past few months after paying medical bills and thinking that I would finally be able to catch my mortgage up in the next XXXX months. 

My last payment was submitted on XX/XX/XXXX in the amount of XXXX via XXXX XXXX with the intent to make another payment on Tuesday of next week the XXXX and then a XXXX payment XXXX weeks from that day to bring my loan only due for this month of XXXX. 

Today I spoke with someone regarding my account since my payment never posted and found out that my payment was returned because it was received on XX/XX/year>. This totally puts an entirely different spin on being able to catch my mortgage up as now I will be required to do XXXX payments instead of the additional XXXX. 

I am not sure why the payment did not make it until XX/XX/XXXX, but my receipt that I have included does show where I made the payment well before XXXX on XX/XX/XXXX. I spoke with a representative this morning that informed me that the offices are open until XXXX on the XXXX so therefore there is no reason that it shouldnt have posted. 

I am asking that you research this issue and please apply these funds so that I can continue to make my XXXX payments this month and bring my loan current without needing to restructure my loan and have a higher interest rate. 

I can be reached at XXXX or emailed at XXXX. 

I will also be reaching out to CFPB regarding this issue and some of the other obstacles that I have ran into attempting to make these payments over the past few months that I have been behind and trying to catch up.
Product: Credit card or prepaid card

My complaint is lack of service. I Tried to call them on XX/XX/20 about a {$27.00} late fee but they only have a recorded message and automated system. They should be fully staffed even during COVID. My company has their customer service people taking calls from home. It is ridiculous that you can not contact a company to discuss a problem. 

I have been a loyal customer for years. I missed making a payment due to too many emails. I wanted to ask them to credit the late fee and how to stop all of their emails other than the ones with my statement. I also wanted to know if I could set up notifications to alert me that a payment is due. They send one email with your statement and that is it. They also send emails about rewards and other things that I ignore. I ignored the statement by mistake. 

They did not even send an email that I had missed my payment. I discovered it on my own. 

My hours have been cut back due to COVID and I am struggling to make necessary payments and not ridiculous late fees. I am not a deadbeat.
Product: Debt collection

NCB MANAGMENT SERVICES This company is reporting on my credit report that I owe them a Debt. 
I have no knowledge of ever getting a loan or any products from this company. 
I have written and tried to call this company three times asking them to send me documentations of a contract or anything with my signature on it. My most recent letter was wrote on XXXX XXXX2020 by Certified Mail .They received my verification letter on XXXX XXXX,2020. I haven't heard back from this company. 
On my credit reports it states I owe them {$3300.00} NCB MANAGEMENT SERVICES XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Product: Credit reporting

I pa id one of m y debts listed in my credit report by  XXXX   XXXX   XXXX  who is representing  XXXX   XXXX   XXXX  in the settlement amount of {$130.00} on  XX/XX/2017    which would close this account. I had received a letter from   XXXX    listing options to settle and I chose settling in this amount. It is still listed on my TransUnion and  XXXX  credit reports showing I owe a balance of {$130.00}.  XXXX  has a phone number on correspondence mailed to me but I 'm unable to speak to a live representative to settle this matter on my own. Also note that after sending my payment electronically I did n't receive confirmation of any kind nor further correspondence from this company. Your assistance is greatly appreciated to settle this matter with these companies. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midwest recovery systems placed a debt collection account on my report, I received no notice before hand in order to dispute. I've never received anything from this company and I never had a payday loan from the company they state it was with. I disputed the account on my credit report but it was of course verified by them. They have reported it as opening XX/XX/2017. I have not been provided with a single item showing I actually owe this debt yet they continue to verify.
Product: Money transfer, virtual currency, or money service

I was apartment searching in XXXX and thought I found the perfect apartment. I only communicated through email and was told to send my rent deposit to someone I didnt know. I was under the assumption that my money that I sent was for an apartment but after I sent money the contact fizzled out. It looks like I just sent someone money on XXXX but it was a scam since I never got the apartment they spoke of. I am worried that there is nefarious activity happening at this address when it comes to this. I found the listing on XXXX for the perfect place. Communication via email was nice and friendly and I fell for it. They told me to send my money and I could get place. On XX/XX/XXXX I sent over {$1500.00} as a deposit and I felt odd about it. I almost canceled it before the payment went through but I was too late. The address is XXXX XXXX XXXX XXXX XXXX, Wa XXXX. I was told by a XXXX XXXX to send a XXXX XXXX the deposit. 
The information sent was to a Chime bank account Routing number XXXX Account number XXXX XXXX phone number XXXX After they got payment, confirmed by email. I got another email on XX/XX/XXXX claiming I needed to send my first months rent of {$1500.00} to an email XXXX When I told them no because I had not met in person or seen the unit they tried to reassure me and gave me a phone number for XXXX XXXX I was scammed for my money through XXXX and I was told my dispute was closed.
Product: Debt collection

Reached out to Wells Fargo regarding the validity of the debt, but they did not provide any. As I am looking over my credit report, this account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.
Product: Money transfer, virtual currency, or money service

Iam filling a complaint against cash app ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act. Specifically cash app failed to take timely and effective to prevent an address fraud on their platform leaving my account vulnerable and not protected and furthermore, the dispute process was unfair and deceptive as they did not comply with era resolution require the electronic fraud act this action has called significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit card

On XXXX/XXXX/16, my XXXX XXXX benefits in the amount was STOLEN by someone using my personal information. Direct Express changed by address on XXXX/XXXX/16 at XXXX XXXX. to an address in XXXX, XXXX. I 've never been nor lived in XXXX, XXXX. XXXX seperate trips were made to an ATM in XXXX XXXX, XXXX and my account was DRAINED. I 've been back and forth witth Direct Express on NUMEROUS occassions to no avail. XXXX/XXXX/16, I went to SSA and did the XXXX. process required by Direct Express. When I called Direct Express back on XX/XX/1216, they said SSA had n't given them the information. I know that 's not true because the CSR at SSA did it while I was at her window. Direct Express is n't a reputable company to handle people 's SSA benefits. They 're not XXXX accredited, have a F rating and over XXXX complaints on XXXX. Direct Express has a vast history of fraudulent activity regarding SSI and XXXX benefits. I 've filed complaints with the FTC and XXXX of XXXX. I 'm not backing down because this is my money ; money I worked hard for and I want every penny back. Also, I 've been in touch with someone from Comerica Bank. They 're no better than Direct Express. There should be action taken against this company because they are not safeguarding our SSA benefits.
Product: Credit reporting or other personal consumer reports

I called on XX/XX/24 to check the status of my credit protection and the agent let me know that the doctor didn't sign the forms for both credit cards and XXXX # is missing. TO DATE none of the forms i submitted had a XXXX number and was apporoved. Also the DOCTOR DID sign the XXXX form forvmy milestone ( see attachment )
Product: Credit reporting or other personal consumer reports

i recently reviewed my XXXX trans union and XXXX report and see their unauthorized accounts i did not benefit from are initiate they are merchants ' adjustment XX/XX/XXXX XXXX XXXX and as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are people listed as family members from XXXX Ohio on my page and it also reports that I lived in Ohio. I have been through Ohio in passing, but ever to live in that state. 

This is most likely from Identity theft that I am seeing. I do not know how long this will continue but my report but I have asked to get this corrected several times. 

Experian also detailed me as having these connections XXXX and XXXX XXXX XXXX  reported to me that there was an account opened in my name but it was not my account. 

Dark Web Scan has shown me that my SSN and DOB were exposed on the Dark Web several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I thought I fixed this problem with compliant XXXX but it appears that I was not! 

My name has a " XXXX '' on the end in XXXX system but that should not be there. Apparently, XXXX did something where I see the correct name but they can still see that my name has a " XXXX '' at the end. 

In addition, they remove my ability to do disputes online. This is important since when disputing, I see the info that the representatives see, meaning I could see the " XXXX '' at the end. 

I'm am going to consistently report my frustrations to CFPB until they fix it and link every complaint from now on starting with complaint XXXX https : //complaint.consumerfinance.gov/submit-a-complaint/s/complaint-detail # XXXX
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the account I am concerned of : XXXX XXXX
Product: Prepaid card

I am unable to use my virtual Amex gift card at any area merchants or online because they require a matching physical address, zip code, and possibly a phone number which does not work if I enter my information because Amex is not using that information. The card is rejected everywhere I try and use it.
Product: Debt collection

IQ Data called and threatened to seize my Social Security XXXX and sought my Veteran benefits in order to collect on a debt which I dispute. They also refused to send me paperwork to document this debt when I asked for it in order to review by an attorney and myself as well as making sure this not some scam call. No account number was given. They said they would initiate state mechanisms to collect their disputed funds. I was intimidated into offering up my limited financial reserves in order to protect my desperately needed SSDI to keep a roof over my head. I am retired, have health issues ( hence the XXXX ) and have limited human contact. Once she found out I was retired and on XXXX she really turned up the heat accosting me. It feels like elder abuse as well.
Product: Debt collection

Members of my family as well as myself have received calls from this company stated they are attempting to collect a debt. 

When I attempt to verify the name of the company or where the alleged debt originated from they disconnect the phone. 
Today on XX/XX/2022 I requested written documentation showing validity. I wouldn't even know who to expect mail from because the agents refuse to identify the name of the company. After calling several times someone answered and gave the company name before hanging up yet again. 

This debt is either not valid- or it is too old to be reported to my credit. Either way I would like the harassment to stop. The representatives are rude and have absolutely no intention of providing clear, concise answers.
Product: Debt collection

This debt was paid in full over the phone by credit card in XXXX of XXXX. I am still receiving collection attempt letters that are becoming harassment and this account has not been removed from my credit report and is negatively affecting my credit.
Product: Money transfer, virtual currency, or money service

My phone, license and debit card were stolen Sunday, XX/XX/2022. I got a new phone replaced and a new license ordered. When I called my bank they locked my account. I have gone back and forth with them via email and phone to get my account unlocked. They required I send my social security card in place of my license and a selfie with my card. I sent it several times and they keep asking for more information. I have called them numerous times and each time they direct me no where and now they have started to hang up on me. I have sent them all my info and now I am afraid it will be misused because they now have all of my money.
Product: Student loan

On  XXXX   XXXX  I went to the website of my student loan company  (   XXXX   ) o nly to find it no longer existed. When I tried to call I could n't get through. Four days later with no news, I Googled  XXXX  Student loans and found a blog which stated that they were no longer handling student loans. After more research I found the company that has taken over my loan - Firstmark Services. I contacted them immediately through the website after creating an account with all of my information. I emailed to ask for 4 months forbearance. Instead of granting it, they began calling me repeatedly  ( 3  times before noon ). I called back, explained my situation and asked the calls to stop. They agreed to put them on hold. Two hours later I received another phone call.
Product: Credit reporting or other personal consumer reports

The closed accounts in question continue to report as having late or missing payments after their final closed dates, which violates the Fair Credit Reporting Act ( FCRA ). Specifically, under Section 1681c ( a ) ( 5 ) of the FCRA, a closed account should not report late payments after its closure, as it must accurately reflect the status of the account at the time it was closed. Additionally, Section 1681e ( b ) mandates that all information provided to credit reporting agencies must be accurate and complete. 

The following accounts are reporting inaccurately and should not be showing any missed payments, as they are closed accounts : XXXX XXXX : Currently reporting XXXX missed payments, which is inaccurate. 
XXXX : Currently reporting XXXX missed payments, which is also inaccurate. 
These accounts are closed and should no longer be reporting late payments. In accordance with the FCRA, specifically Section 1681i, due to the inaccuracies in reporting, these accounts should be removed entirely from my credit report. Their continued presence, with incorrect payment histories, has caused a significant and unjustified decline in my credit score. This reporting discrepancy falls under the jurisdiction of the Consumer Financial Protection Bureau ( CFPB ), which enforces regulations to ensure that credit reporting agencies and furnishers comply with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states that a creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose. I am requesting that all reporting 's including but not limited to all late payments be removed from my credit report.
Product: Money transfer, virtual currency, or money service

As an 20 years experience private detective license under my company XXXX XXXX XXXX license no. XXXX that I strongly urge the CFPB that you must Fine Bank of America for this Multiple Criminal Frauds and is so bad with this bank that the fraud department investigators are involve with the Crimes and support it. They have stolen and support given illegal XXXX XXXX  XXXX XXXX fake SSN XXXX over XXXX of my money have been Stolen so bad until they scared to answer any complaints. They have my XXXX loan there. XXXX and all XXXX  will say is the loan is closed to cover up they no longer have my loan there at she. 

So now that this is in the open as XXXX - XXXX XXXX  Resolved XXXX Why would boa not answer? 

BANK OF AMERICA MUST PROVIDE AN ANSWER DO YOU HAVE MY LOAN? 


CFPB- MUST FINE BOA
Product: Money transfer, virtual currency, or money service

I am going to pursue legal action I have not received a response to this computer generated message I am trying to access my funds and when I link a new bank card and new bank account it says cant link and contact support. But when I contact support they tell me to link a new bank card and new bank but I assume theres a restriction on my account since its closed I am trying to retrieve my funds and I need my account and routing number linked to the XXXX XXXX account for this Cash App account so I dont continue to have this issue and I can stop ACH payments from coming to this account someone needs to really examine this!!! 

My name is XXXX XXXX Cash tag $ XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a few questions : how do you complete your investigation? One more thing : I was reading the FCRA and noticed you violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( I ) I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). 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 Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation.
Product: Student loan

I participated in the PSLF program from XXXX. I annually updated my employment status and made over 120 qualifying payments during that time. In XX/XX/XXXX, my XXXX account showed that I had qualified for full forgiveness of all my loans. 

However, after the switch to Mohela, the account statement showed that I still owed {$10000.00}. When I queried after this, I was told it was because this part of the balance belonged to my husband ( we consolidated our loans in the XXXX ). My husband has worked for the federal government or the military since XXXX so we submitted PSLF forms that proved his qualifying employment. We submitted the forms using the upload tool on the Mohela website, but Mohela doesnt show any record of receiving them. We also mailed a hard copy with a note with no resulting change on the account as shown on the website. However, even though Mohela supposedly didnt receive the PSLF form, the website now shows that we have made 127 qualifying payments on the remaining mystery balance ( {$10000.00} ). 

During the last 3-4 months, Ive been informed repeatedly that I was required to pay back the balance ( which also changed a couple of times ), and was given three different monthly payment amounts. I have called Mohela multiple times about the issue and been put on hold for no less than two hours each time. Every call resulted in the customer service rep telling me that they are waiting for the federal loan people to approve the discharge and that they will put the account on a forebearance until then. Unfortunately, my account still doesnt show a forebearance and the most recent correspondence from Mohela is that I am still expected to fork out nearly {$1000.00} per month on an {$11000.00} loan that should already be forgiven. In addition to being frustrated that this account has shown that it was qualified for forgiveness for over a year, I am also confused why the monthly payment amount Mohela is demanding is so high for such a small loan balance. 

In short, this loan should have been forgiven over a year ago, but since the transfer to Mohela, my account is a complete disaster. The company has been so... disorganized? Greedy? Crooked? I'm afraid if I make payments on this balance that I will never receive a refund after the loan is finally forgiven ( if its ever forgiven! ).