23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

The complaint is about a Servicemembers Civil Relief Act ( SCRA ) violation conducted by Cashcall Inc. 
CashCall Inc is refusing to abide by 50 USC Ch. 50 Section 3937 SERVICEMEMBERS CIVIL RELIEF ACT. 
Cashcall Inc has knowingly violated this law with regards to a personal loan, which started in XX/XX/XXXX for {$10000.00} with an interest rate of 39 % for a term of 120 months. I entered XXXX XXXX service with the XXXX XXXX in XX/XX/XXXX. 
I have not left XXXX XXXX service since I joined. I got married and I was able to pay off the loan in XX/XX/XXXX. I have recently ( within the past year ) became aware of the SCRA and its benefits, specifically the limit of 6 percent interest on pre-service debt and I began to notify past creditors and received major reimbursements from the credit card companies. 
But not Cashcall. 
I sent an email with my orders attached to Cashcall to inform them of my service on XX/XX/XXXX. The customer service email address that I sent the SCRA request to responded to me thanking me for my correspondence and that my case was under review. 
I tried to contact them thru XXXX XXXX for updates and was told on XX/XX/XXXX that this was escalated to management and they would send a response to the email address the request came from. I did not get that email response. 
I had to call them the next month and I spoke to a representative that is a manager in  the employee development section that tried to settle the case for only the two years that I was XXXX for in XXXX, ( XXXX ) a sum around {$2000.00}. They claimed that this was fair and that I was lucky to get this much from them. I had to explain to them that the statue of limitations does not apply to this case due to the fact that I am STILL on XXXX XXXX. 
With the interest rate change from 39 percent to 6 percent, times the monthly payment from XX/XX/XXXX to XX/XX/XXXX adds up to {$15000.00}. I declined the settlement. 
I then contacted a XXXX XXXX XXXX and she sent an email to the same customer service email that had replied to my previous request requesting that they follow the law and repay the outstanding funds. It has been ignored. I sent their XXXX XXXX a reminder about that email, once on XX/XX/XXXXand again onXX/XX/XXXXand only in XXXX after I told them I was filing a complaint with the CFPB was sent a letter asking to be given the contact info for my attorney. Info Im sure they had already from the previous emails that were sent to them. In fact, the threat of me contacting this Bureau seemed to be the wake up call they needed. 
Cashcall has been given all the information they need to complete their obligation under the law. I will not settle for any less than was is owed under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

I HAD LIVED SIMPLY SHORT TERM CONTRACT APARTMENT WHICH IS NEAR XXXX AREA STUDIO COMPLEX APT , CITY OF XXXX, XXXX. 
I ALMOST LIVED APARTMENT NAMED AS XXXX AT XXXX, XXXX, LEFT CONTRACT PERIOD 1 OR 2 MONTH. 
AT THAT TIME I HAD GOOD PAYMENTS SO FAR, THEN I HAD CONTRACT JOB AT XXXX, XXXX CONTRACT TRAINING BEGIN THERE 3 MONTHS SCHEDULE, PROVIDED EMPLOYEE DORM, IT WAS XXXX XXXX COMPANY. 
SCHEDULE ARRANGEMENT FROM CO. ON CALL JUST BEGAN AND I WAS LIVING MYSELF IN APT , SO I MADE EXCUSED TO APT MANAGER FOR THIS MATTER,, I EXPLAINED THIS SITUATION AND APT MANAGER UNDERSTOOD AT THAT TIME, SO I MADE A DEAL MY SECURITY DEPOSIT WILL GIVE APT MANAGEMENT, AND NOTICE THEM ABOUT 1-2 WEEKS, SHE TOLD ME NO PROBLEM AT THAT TIME, I HAD INSPECTED AND GIVE APT DOOR KEY, AND MOVED OUT IN CLEAN CONDITION. UNFORTUNATELY APT MANAGER REPORT ON MY MAJOR CREDIT REPORTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit dispute XXXX XXXX, XXXX We attempted online dispute and was timed out. 2 attempt answered wrong security question and was blocked and could not access with several attempts. 

Unable to correct erroneous information, but their system or employee took this as completed which it was n't. We did n't submit or check any boxes to submit or be mailed to anyone. We would not do this online. 

A week later, received email from Equifax re : dispute status, dates and confirmation numbers. 

Top line with confirmation number, Status completed, dispute date XXXX/XXXX/XXXX completion date XXXX/XXXX/XXXX Results : MAILED! though date is XXXX. ( We preprinted the erroneous report. ) We did not authorize this for anything to be mailed! 
We called them right away to ask what and to whom it was mailed. They mailed it to the wrong address. The identity thief 's address and said it was a fraud alert only. GREAT. 
How stupid is that? What kind of company does this? Shame on you. We should go to the national news and local TV stations. I filed a complaint with the Georgia AG and BBB. We are telling everyone what EQUI FAX did.  Banks and businesses to stay away from you.
Product: Debt collection

On XX/XX/2020 i recieved an email from XXXX on behalf on LVNV funding threatening me that if i did not contact them regarding the debt, that LVNV will use an attorney to take me to court for the alleged debt.
Product: Money transfer, virtual currency, or money service

I received I refund from XXXX from a reservation that was canceled. I paid using my paypal account with a debit card ending in XXXX. I closed this XXXX account on XX/XX/2018 and PayPal proceed the refund on XXXX XXXX. Since I never received the money I called XXXX to see where my money went and they said the money is not on the account since it is already closed. I contacted PayPal more than 3 times reagarding my refund and asked them to put it in another account, they refused to do it since they claim the money is in my XXXX accout. Today they sent me an email stating they money is in a card ending in XXXX. I have no card ending in XXXX, the credit card I have with XXXX ends in XXXX. PayPal reduces to give me my XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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: Credit reporting or other personal consumer reports

Loan paid off in full on XX/XX/year>. Loan had been paid on the XXXX XXXX XXXX XXXX. At payoff, I was assured there would be no negative credit reporting. 

The account is now reported as XXXX XXXX  late. This is false information.
Product: Credit reporting or other personal consumer reports

Loan Sold Multiple Times From XXXX XXXX  To XXXX XXXXXXXX XXXX XXXX Now Collection Was Sold To National Credit Adjusters
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2020 I received notification from my credit monitoring companies shows that a credit card account from XXXX  were reported to the Equifax credit bureau with the description reported as affected by natural disaster credit card. I called XXXX  and the customer service rep says that my account is not on any disaster plan. I called Equifax to dispute the charge and Equifax and were told that there wasn't anything in the description says my account were affected. I have a screen shot copy from the credit monitoring it's been other occupation where Equifax has reported and inquiry from XX/XX/2020 in XX/XX/2020 it showed up on my credit report and when I called the company they didn't have any knowledge of that inquiry. This has cause a halt with my credit score because Equifax keeps reports errors that harming my credit. Being a XXXX XXXX and working very hard to achieve a better credit score and for the credit bureau to report these errors and to have a lower credit score is very emotional hurtful.
Product: Checking or savings account

I have a personal joint checking account with Chase which has overdraft protection. 

On XX/XX/year>, three individual charges in the amounts of {$89.00}, {$34.00}, and {$15.00}. When I check my account balance that evening I saw it was pending negative and transferred {$280.00} to cover the overages. This brought the account positive in the amount of {$140.00}. Therefore, no overdraft fees should have been generated for these transactions. However, Chase actually did charge me the fees, three separate fees of {$34.00} specifically for the charges I had already paid for with the transfer.

I then requested the reversal of these fees, and three more overdraft fees were generated the next day because the account became negative again due to the erroneous fees charged by Chase in addition to three additional charges that were generated on the account the following day.

Do date, Chase has charged me {$200.00} in fees that are not justified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, and again on XX/XX/2018 and again in XX/XX/2018, I filed a dispute with XXXX  for XXXX XXXX account listed on my credit report. I got a generic response back of validated, that the account was correct and validated. I asked for the credit bureau to supply me with documentation on how exactly this account was validated according to the Fair Credit Reporting Act. They failed to do so and it has been well over 30 days. I requested for XXXX  not to use the XXXX  or automated system in validating this account. I have extensive reason to believe that this account was not validated according to the Fair Credit Reporting act section 609 a 1 a. Also I have reason to believe that the credit bureau XXXX has violated the Fair Credit Reporting act again by failing to validate the debt within the investigation period of 30 days according to Fair Credit Reporting Act 611. I have repeatedly requested the alleged signed original contract that XXXX  has on file for me because I have contacted this XXXX XXXX XXXX and they have yet to provide me with a signed original contract as well with in FCRA guidelines. I believe since this account can not be validated that according to the Fair Credit Reporting act it should be removed from my credit reports immediately. I have contacted XXXX  via certified mail # XXXX and again via cert mail XXXX
Product: Checking or savings account

After XXXX  years as a customer of Bank of the West, now BMO. they closed my account without notice as they state there was an incident where I was rude to a teller in thier XXXX XXXX. 

They closed the account on XX/XX/XXXX, adn I received a letter in the mail informing me of this on XX/XX/XXXX ; however the letter was dated XX/XX/XXXX. 

Not familiar with this incident, and I am a XXXX XXXX XXXX female receiving XXXX XXXX, and the next XXXX XXXX  check sent to this account will be rejected, if they do not make arrangements for me to get the funds.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Transunion, XXXX, XXXX have violated my consumer rights under the FCRA because they are reporting inaccurate data about me even after I disputed the inaccuracy. XXXX XXXX, Transunion, XXXX, XXXX are reporting a closed account since XX/XX/XXXX as an open account in XXXX. XXXX XXXX, Transunion, XXXX, XXXX are also reporting an inaccurate balance of {$2600.00}, intentionally increasing score damage and hurting my debt income ratio. Attached is a copy of my most recent credit report for your viewing. Please see the " balance '', " date last active '', and " date of last payment '', " comment '' section.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following list of accounts are in violation of my FEDERALLY PROTECTED consumer RIGHTS to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX and account number ending in XXXX Portfolio Recovery Associates and account number ending in XXXX Portfolio Recovery Associates account number ending in XXXX Portfolio Recovery Associates account number ending in XXXX Portfolio Recovery Associates account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX ) 15 U.S.C 1681 SEC 602 ( A ) States I have a RIGHT to Privacy. 2 ) 15 U.S.C 1681 SEC 604 ( A ) SEC ( 2 ) : States a consumer reporting agency CAN NOT furnish an account without my written instructions. 3 ) 15 U.S.C 1681c. ( A ) SEC ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 4 ) 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 consumer knows or has reasonable cause to believe that the information is inaccurate. These accounts have another name on them and a different address which Ive never lived out of California. These items must be DELETED immediately and a rapid re-score is requested.
Product: Mortgage

Citizens Bank continued charging PMI for 4 months after the loan balance was below 78 % of cost/fmv. 

The bank acknowledges taking more PMI however they are refusing to refund the excessive funds that were taking from our account ( approximately XXXX usd ).
Product: Checking or savings account

On Thursday night I submitted an application for the XXXX USAA credit card and I received an email stating urgent request stating that I needed to verify my ID and I was able to login into my account that morning around XXXX XXXX. I tried to log back in to check my account and it stating that my login access has been locked. I have submitted all the information needed for my account to be unlocked and nothing has happened. My payroll gets sent to my XXXX account every other week. I previously had an account with XXXX and I never had this issue. Its frustrating and inconvenient because I have all my funds with XXXX  and I had the account opened since the beginning of XXXX and no one reached out to let me know this in advance so I didnt had to go through this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to refinance a house that requires all my 3 credit scores. All my banks have been unable to pull my Experian Score, but have been able to pull my other 2 reports. Today, I found out that my file did not exist. In my folder is a file that was pulled a few months back that has my Experian score-which also happens to be my best score. It seem like my entire file has disappeared. XXXX has my Experian Score and I have a copy of that report. 

The other problem is that even though I have thawed my scores, it still says my account is frozen or locked. 

The frontline customer service folks refuse to escalate this and they repeat the same line that I have not had credit and I must wait for six months to have my credit reported. I even offered to send them a copy of my credit reports to show that there was some kind of glitch, but they refuse. 

They will not transfer me to anyone or take my issue seriously. ThanksXXXX XXXXXXXX XXXX XXXX XXXX XXXX
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. Specifically, cash app failed to take timely effective measures to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error and resolution requirements under the Electronic Fund and Transfer Act ( EFTA ) and Regulation E. these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

On XX/XX/XXXX, I received a call at my work, from XXXX XXXX saying she had to speak with me right away. I tried calling her back on XX/XX/XXXX and spoke with a XXXX XXXX who wanted my date of birth and social security number yet refused to disclose who he was and why he was contacting me. On their recorded line, I told him I am not to be called at work, I dont know why they are calling and It sounded like a scam so I ended the call. 
XX/XX/XXXX XXXX XXXX calls me at work again and leaves a message. After work, I call her back to have a bantering conversation with her and she told me the last 4 digits on my social security number, by saying the first and third number were the same, I said yes and she then identified herself as a debt collector for Ascension student loans for my non payment of over {$200000.00} in student loan debt. I told her this was a case from XXXX of identity theft and the first part of my SSN is NOT matching their records, the other persons birthday is in XXXX and the debt is not line and to never contact me again. She said she can contact me. I told her I dealt with this claim with the CFPB and she started getting nervous. She is with XXXX XXXX XXXX, XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove the accounts below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX Balance : {$6100.00} XXXX  XXXX Balance : {$5700.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is in violation of 15 USC 1692, after numerous attempts of sending debt validation letter on XX/XX/2022, XX/XX/2022, and XX/XX/2022. Information was not properly validated. 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 .Company is in violation of 15 USC 1692 as well as 15 U.S.C 1681 section 602 A. 
1.The Truth in Lending Act is intended to inform consumers about the cost of credit.

2.The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it.

3.Affiant is aware and has proof in attachment labeled as exhibit A that the corporation name is in violation of 15 USC 1692 ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection or any debt. 
4.Affiant is aware and has proof in attachment labeled as exhibit A that corporation name is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose or acquiring location information about the consumer shall not state that such consumer owes any debt. 
5.Affiant is aware and has proof in attachment labeled as exhibit A that the corporation name is in violation of 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any.

6.The Truth in Lending Act is intended to inform consumers about the cost of credit.

7.The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it.

8.Affiant is aware and has proof in attachment labeled as exhibit A that the corporation name is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. 
9.Affiant is aware and has proof in attachment labeled as exhibit A that the corporation name is in violation of 15 USC 1692 ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose or acquiring location information about the consumer Shall not state that such consumer owes any debt.

10.Affiant is aware and has proof in attachment labeled as exhibit A that corporation name violation of 15 USC 1692 . ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication affected by the mail or telegram that indicates the debt.