23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XX/XX/2017 I was denied XXXX because of my husbands income. UHEAA my loan company assumes that you have % XXXX of ur gross income for expendable income. They do not factor in taxes or our bills. They refused to look at our financial statement and ignored his XXXX in student loan debt. We can not afford the {$260.00} they want in my payments at UHEAA. When I first called them they told me i could lie on my application and put that i do n't have access to his income because i make less and they could go off my income. I refused to lie on an official document. The second time I called they told me I could make a payment of {$120.00} a month for 6 months but after that I would owe the {$260.00} I told them we will not have the money then. We have a lot of bills. They still refused to look at a financial statement. I have called them trying to get them to lower the payment 4 times this week. The first time I was told by XXXX at their office that they have graduated plans and consolidation plans on student aid.gov. I called back the next day to apply and they said that they do n't have those. I called again the next day on Wednesday XX/XX/XXXX and they told me that another loan company can consolidate for me, like XXXX. I called them and that turned out not to be true. I feel i have been lied to multiple times on their services. Every time I call I get a different story and they will not work with me. I finally gave up today and took the {$120.00} a month for XXXX. I believe they are giving misleading information and lying to customers. They have turned this into such a stressful situation because I can not get any straight answers from them. I believe they need to be investigated by the government for their misleading practices. I want straight answers from the company because so far I have no idea what they offer. Please help me and others from enduring this stressful situation. 

XXXX
Product: Checking or savings account

What happened? 

On XX/XX/2023 I mailed my Income Tax Extension with a check for {$14000.00} as my tax payment. On XX/XX/2023 my bank statement shows that check # XXXX for {$14000.00} was payed out of my account, no other information in connection with this payment. XXXX I filed my income taxes, after they reviewed my return they sent me a notice dated XX/XX/2023 of unpaid taxes in the amount of {$14000.00}. I was sure they messed up as I had paid more than that in XXXX. I found my copy of the check I made before I mailed the payment then went to the bank to see the copy of the cashed check. It had been altered with a different payee and cashed by the Navy Federal Credit Union atXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CA dated XX/XX/2023. I asked my local Bank Manager what I should do, he helped me file a request of XXXX XXXX of " Declaration of Unauthorized Endorsement or Altered Item ''. XXXX XXXX declined my request. My local Branch Manager called a supervisor asking why it was declined as it is inside the time frame of the statue of limitations. Supervisor said resubmit it, I did they denied me again. The XXXX Police took a report told me that the crime took place in XXXX so I tried to file a police report in XXXX, they would not do so telling me that I already filed a report. They have done nothing. XXXX Police tried to serve a subpoena for records at the Navy Federal Credit Union about this person who deposited my stolen check, they did not respond. Without further information the XXXX Police closed the case. I engaged a Lawyer for guidance who wrote a letter to both banks quoting the legal statutes that they are ignoring pressing for a response or legal action will be taken. No response from either bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX  XXXX Balance : {$100.00} XXXX  XXXX XXXX Balance : {$370.00}
Product: Checking or savings account

On XX/XX/year> I received a debit card from Cash APP. This is the second time in 30 days an account was fraudulently opened in my name. I have never used CASH APP NOR WILL I EVER use their banking services. We spoke to XXXX to have the account closed and once again they refused to do this over the phone, they will only send an email. We provided my email multiple times and still have not received an email to close this account. My credit is frozen, my SSN locked, and I have a security freeze in place with XXXX yet someone is still able to open an account in my name with CASH APP for a second time. Please see complaint XXXX. Cash APP refuses to block my information to be used to open a new account. XXXX also hung up on us at business closing time so now we are unable to resolve this timely.
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 measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

On XX/XX/year> I opened a checking account with BOA. I already had XXXX credit cards with them and used an account from an external financial institution to make payments on these accounts. On XX/XX/year>, I attempted to make a payment toward XXXX of my BOA credit cards using this external account, which was no longer listed. Upon calling customer service, I was told BOA delinks any external accounts when a BOA account is opened. Customer service was unable to assist with relinking my external account, and as of now I am unable to make payment toward my credit cards from my preferred account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to an inaccurate Account on my consumer report. It has been well over 30 days and I haven't received any investigation results.
Product: Credit card

Bottom-line up front : I just want Chase Credit Card Company to reapply my original 12 months 0 % as we agreed. If this doesn't occur my family will lose {$750.00} fee and incur $ XXXXmonth interest payment that I can't pay at this time. This will result in {$3900.00} in costs that I can't afford in the XX/XX/XXXXbudget. 

Situation : Transferred {$15000.00} with {$750.00} fee for 12 months 0 %. On the next payment, I submitted an interest savings payment, since no interest was applied to the account the credit card company switched the payment method to " Statement Balance '' payment instead of " minimum payment ''. I didn't have the funds available therefore the payment was not sent by the bank. 

After calling the credit card company they informed me the following : Even though a payment was never received by the credit card company, the amount was applied to the account in advance. Since the payment was systematically applied, the 12 month 0 % was considered paid in full. Now when the bank transaction was never sent nor received, the {$15000.00} was reapplied to the account as a debt of {$15000.00} with interest of 21.99 %. 

Why can the credit card company apply funds to my account in advance without actual funds in hand? 

Why can the credit card company change my payment from " interest savings '' to pay " statement balance ''? Why shouldn't Chase be required to switch the payment to the minimum requirement or just inform me that the payment couldn't be applied since no amount was subject to interest? 

I have paid the monthly minimum payment of {$150.00} and changed my reoccurring payment to " minimum due. ''
Product: Payday loan, title loan, or personal loan

I took a loan for {$800.00} on XX/XX/2022. It was not explained to me that I would have to pay back over {$5000.00} to clear this debt.
Product: Money transfer, virtual currency, or money service

So I was going to start a XXXX  program. But part way into it they stopped from the photos because my XXXX XXXX XXXX  and they wanted a dentist to review. This is nothing against XXXX  they did everything right and alerted me to further issues my previous dentist did not. They canceled the account out. 

At this time, I had signed up through a financial plan third party with XXXX through synchrony bank. That took 2 payments out. XX/XX/year> & XX/XX/year>. They were alerted of the cancel, closed my account and issued a check Closed XX/XX/year>, and issued a check XX/XX/year>. I was told wait 15 business days. No check. They started an investigation to confirm the check wasnt cashed and reissued a check. Still nothing. Theyll be issuing another check this Friday. 

The customer service has been awful, cant even talk to a supervisor. Ive requested proof that the check was sent or at least an email of receipt that we had these conversations and concerns. Still nothing. 

Contacted my bank. Im not able to file a dispute or claim because it was a loan and signed through account transfer. Her only advice was to file a police report for services not rendered.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Medical Subject  has not satisfied debt. XXXX -Untitled { Medical Subject  has not satisfied debt. XXXX -Untitled { Medical Subject  has not satisfied debt. XXXX -Untitled { Medical Subject has not satisfied debt. XXXX -Untitled { Medical Subject has not satisfied debt. XXXX -Untitled { Medical Subject has not satisfied debt. XXXX** 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 an account without my written instructions.
Product: Debt collection

I have been receiving numerous and repeated calls, emails, and voicemails from your company regarding a debt that I have no knowledge of. Not only am I unaware of this debt, but the frequency and nature of your communications constitute harassment and are in violation of the FDCPA and the FCEUA. 
Under the FDCPA, consumers are protected from abusive, deceptive, and unfair debt collection practices. Specifically, it prohibits communication at unusual times or places, excessive communication meant to harass, and any form of threat or use of violence. The FCEUA reinforces these protections and clearly states that debt collectors and creditors may not engage in unfair or deceptive acts or practices while attempting to collect debts. 
Please be advised that I am aware of my rights and that your actions are in violation of these laws. I demand that you immediately stop all communication with me, except to inform me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA and FCEUA. XXXX XXXX has spoken to a family member that has answered the phone and has identified themselves which is a clear violation. I have no clue about this debt. I have been dealing with identity theft due to numerous data breaches and have been trying to clean my credit up ever since due to fraudulent accounts on my credit reports. I noticed this debt has went through a few companies to collect a payment on a debt that I have no knowledge of. XXXX XXXX aka Velocity Investments Inc has been beyond harassing. I want all communication to cease and I want this account deleted from my credit report as soon as possible. Please provide proof you have legal grounds to harass people in Pennsylvania. I want to know names and proof you have legal rights to collect debts in Pennsylvania.
Product: Money transfer, virtual currency, or money service

Unauthorized transactions were made on my Wells Fargo account XX/XX/2023 totalling {$1900.00} thru XXXX. After Wells Fargo notified me of suspicious activity in my account I immediately took actions that day to file a claim and emailed them that all the transactions made on this day were unauthorized. After the claims case the bank decided not to return the fraudulant unauthorized transactions that were made that same day. I would expect that Wells Fargo would return my money being that the bank is FDIC ensured. Further Under Regulation E, I would expect them to return my money, being that the charges were unauthorized and I let them know that within hours of their notification.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is XXXX XXXX I have never dealt with this company before. They are sending letters saying that I had two XXXX XXXX credit cards that I never opened up before. Under provisions of public laws 95-109 and 99-361 also known as the Fair Debt Collection Practices Act, I'm requesting that they immediately cease and desist all attempts to collect the debt. Failure to comply with this law will result in me filing a complaint with the Federal Trade Commission and the Attorney General. Equifax is also reporting this information with no proof of validation of this debt. I have contacted XXXX XXXX and they were unable to validate this.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX AND XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX AND XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX US DEPT ED XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX US DEPT ED XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, PA XXXXXX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX US DEPT ED XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024, and noticed some things, are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ ( XXXX XXXX XXXX XXXX XXXX XXXX MIDLAND CREDIT MANAGEMENTXXXXXXXX XXXX, & XXXX XXXX  XXXX are not complete and accurate, Open date is not reporting correctly, date last active, date of last payment is not correct, these accounts is not a Accurate.
Product: Credit reporting or other personal consumer reports

Everything on my credit report is wrong and they wouldnt fix it. I tried disputing it and they wont dispute it. My father got a card in my name they wouldnt take that off my account. 
XX/XX/year> account open, {$390.00}, & a charge off on my account that I didnt do or sign up for,
Product: Debt collection

Company has taken out money for 3 months without mine or husbands consent! 
I want to file a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have submitted disputes with the 3 credit bureaus 3 times all have been dismissed and left info on my report. I have left vm 's with the debt collector explaining that they have the incorrect data attached to my profile and they have not been getting back to me. 

This is a debt from 2015 and I am noticing Midland Credit has added XXXX documents to the account for another one of their " customers '' and won't replace it or get back to me, they send the same letter and the credit reporting companies are not helpful so not sure what they are sending them. 

But when I login to my account using the bills they send me I get a lady from WA 's  bills, I have attached them. 

I have videos of the login process but you can go to midland credit 's website and pull it up yourself. 
https : //www.midlandcredit.com/ XXXX I recorded a video but you can login too using the account number below and the last 4 of my social : XXXX
Product: Credit reporting or other personal consumer reports

XXXX hasnt sent proof of investigation! Also the companies disputed ( XXXX XXXX XXXX XXXX, Canes and Weiner, XXXX XXXX and XXXX ) have committed Identity Theft and these companies do not have a valid contract with XXXX XXXX. XXXX has taken 60 days for this false information to come back verified they have cause emotional damage and reputation harm to me and I will have to seek legal action if this is not taken care of within 15days of this notice! XXXX are not investigating these companies correctly they have been removed from XXXX and XXXX do not being verified! How can trans union verify them and what sour e did they use to verify them! I have the most difficult time with XXXX and disputing and it been 180 days they take the most time to dispute and never investigate to come back verified!
Product: Debt collection

USAA Federal Savings Bank Credit Card Identity Theft/Fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX