23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting and XXXX Account, the below listed accounts has violated my rights. 

15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 602 A. also states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX ( Finance ) XXXX  ( Bank ) XXXX XXXX : Last reported XX/XX/XXXX {$250.00} Open balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$330.00} -- -- - Highest balance : {$330.00} XXXX XXXX XXXX XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$19000.00} -- -- Highest balance : {$25000.00} XXXX XXXXXXXX : Last reported XX/XX/XXXX Reported balance : {$1100.00} -- -- - Credit limit : {$600.00} XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$690.00} -- -- - Credit limit : {$500.00} XXXX XXXX  : {$18000.00} Reported balance DEPT OF ED / XXXX : {$7500.00} On time DEPT OF ED / XXXX : {$4000.00} On time DEPT OF ED / XXXX : {$3100.00} On time DEPT OF ED / XXXX : {$3100.00} On time DEPT OF ED / XXXX : {$330.00} On time DEPT OF ED / XXXX : {$240.00} On time XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Reported balance : {$0.00} -- -- Highest balance : {$9000.00} XXXX XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$0.00} -- -- - Highest balance : {$9600.00} XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$0.00} -- -- Highest balance : {$5200.00}
Product: Credit card or prepaid card

I've called chase credit card several times trying to get a payment arrangement due to my business account closing from covid. They told me that I didn't qualify since I didn't make enough money. Each time I called in. I was still Making payments but not the full payment. After they sent my account to the credit bureau they finally said I qualify to lower my payments and closed the account I went and got a loan to pay the card off. I paid the card off in XX/XX/XXXX. Got another bill stating i owed XXXX I called am then again and made the payment in this conversation the canceled my Monthly payment. I logged into my business checking account XX/XX/XXXX to see they made 4 attempts to collect money on my closed paid in full account. Now I'm negative in my business account from fees. 

I've spent hours and hours in the phone with chase trying to pay my bill and asking about these fees. I constantly get transferred to wrong departments over and over again. I've day I spent 2hrs with them and was transferred 8 times. There are lots of notes in my account I've asked for mangers to only to have them say someone will call back within 72hrs with no call back Chase does not care about small business.
Product: Checking or savings account

I was logged into my TD Bank online account for my TD checking on XX/XX/XXXX. When exiting online session I was presented with online ad for the TD Bank XXXX XXXX  open a new TD savings, deposit $ XXXX in new money within 20 days and keep on deposit for 90 days to receive {$200.00} bonus. Sounded great so I opened online on XX/XX/XXXX. I made the $ XXXX deposit on XX/XX/XXXX in person and asked XXXX to confirm my eligibility for the promotion and she said I was " all set ''. On XX/XX/XXXX I sent a message thru TD Secure Message center as I did not see the {$200.00} promotional credit. I was told in a reply that the $ XXXX deposit was 6 days after deadline but that was not correct. On XX/XX/XXXX I told them to review calculations as I made deposit on day 17 before the 20 day deadline. They confirmed the calculation error and I was then told it should be credited later that night. It was not. On XX/XX/XXXX I called TD call center. XXXX said he agreed that conditions were met and didnt understand why it wasnt credited. Said he would escalate to XXXX  and it should be credited shortly. It was not. On XX/XX/XXXX I called call center at XXXX spoke with XXXX  but got unexpectedly disconnected. Called back at XXXX spoke with XXXX but got unexpectedly disconnected again. Called back a third time at XXXX spoke with XXXX who claimed there was no record whatsoever of XX/XX/XXXX call ( although I got an email Survey from TD Bank for the XX/XX/XXXX interaction ). I asked to speak with supervisor and was transferred to XXXX who now claimed that promotion was only eligible for brand new customers, not existing customers. I have screen prints of all promotion details that were presented during my online session and there is no notation that promotion is only eligible for new customers.
Product: Student loan

I am writing to formally express my concerns regarding the processing of my Income-Driven Repayment ( IDR ) plan request and the handling of my federal student loans by FSA.gov. On XX/XX/XXXX, I submitted a request for an IDR plan through FSA.gov, which was directed to my then-loan servicer, XXXX. However, this request has remained in review with no action taken. Despite making monthly payments of {$190.00} for the past year, I had assumed these payments were in line with an IDR plan, when, in fact, I had been on a standard repayment plan. When I contacted MOHELA regarding my concerns, I was informed that because my loan servicer had changed, I was required to submit a new IDR request. I find it troubling that this responsibility was placed on me, the borrower, rather than being managed by the loan servicer or communicated through Federal Student Aid ( FSA ) notifications. On XX/XX/XXXX, I submitted a new request for an IDR plan due to a change in my financial circumstances. My husband, who is XXXX XXXX in the XXXX, was stationed in XXXX for the next three years, and I had to relocate with him. As a result, I lost my job on XX/XX/XXXX. After speaking with a customer service representative, I was advised that my loans could be placed in deferment while my IDR request is reviewed. However, I was informed that this process could take up to a year for review, which seems excessive, especially given my current financial hardship. Since XX/XX/XXXX, my income has been {$0.00}. Today, I received an email stating that I am required to begin making standard payments next month. This is both concerning and overwhelming, given my current circumstances and the extended delays in processing my request. I am respectfully requesting immediate attention to my situation, including the approval of my IDR request and a deferral of any required payments until my application is reviewed and finalized. Thank you for your prompt attention to this matter. I look forward to a timely resolution. Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX, XXXX is trying to sue me for a debt and I dont know who they are, I have never done any business with them. Apparently they also have my social security number, which I didnt give to them. I dont know them or have a contract, I never agreed to give them any of my information. My identity has been stolen and my consumer rights have been violated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX # : XXXX XX/XX/year> XXXX XXXX XXXX The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, And all hard and soft pulls as well as regular inquiries I looked at my Equifax credit report on XXXX XXXX XXXX  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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

I am griteing to disputed accounts on my credit report that were whithout my consent. According to section 604 of THE FAIR CREDIT REPORTING to section ( 15 U.S.C 168 1b ), there are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not find permissible purpose under this section that justifies their presence on my report. PLEASE DELETE ACCOUNTS XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  I am attaching FTC Report Number : XXXX to this communication to further support my complaint and provide additional evidence relevant to the matter. This report contains critical information that substantiates my claims and highlights the need for a thorough review and investigation of this case. I appreciate your prompt attention and resolution of this matter.
Product: Mortgage

Penny Mac is refusing to remove my PMI and finding various reasons to do so.

I have repeatedly asked for this to happen based on the fact that my ltv based on current market is way above what is required to remove PMI.

Penny Mac continues to hold me XXXX. 

I paid for an independent appraisal last year And they held my money and now just returned to me without any comments for the reason. Nor with any interest for keeping it. 


They have stated that I had a late payment for more than 30 days and that was not accurate. I called them and they informed me that was not the case. 

They said they would do an appraisal and during Covid I requested a drive by and not internal and they took {$150.00} and just now returned the {$150.00}.
Product: Credit card or prepaid card

there was a restriction placed on my card and they are denying me access to my money
Product: Checking or savings account

My bank account has been closed for a week they said the car was in property used I have tried over my bank account I can't get my bank account I need to pay my bills I can pay my bills it is going to total mess that I've sent emails to the support the support has no phone number to call the whole thing is a mess and I need money to pay my bills right now.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. 

They furnished this account that we didn't agree upon, and I didn't sign an agreement on it. A legal contract is signed by two parties, and I did not participate in any of it. They didn't follow the proper 5-step validation procedure, which makes this unfair. I never received a dining letter or any communication prior to this account being furnished on my credit report.

According to the FDCPA, I'm entitled to {$1000.00} per violation and they clearly violated my rights.

Navy Federal is still accessing my credit report without permission and reporting late payments which are violations. 

They also stated that the last payment I made was on XX/XX/year>. How can that happen when this alleged debt was charged off? Navy Federal owes me money that they have taken from me.
Product: Money transfer, virtual currency, or money service

I am filing this complaintagainst cashapp ( Block, Inc. ) due to inadequate customer service and unfair practices, ( 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 Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations 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 Electronic 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 reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act ( XXXX XXXXXXXX accounts ; XXXX, XXXX, XXXX XXXX account XXXX in XXXX, XXXX XXXX XXXX XXXX acct XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602A. state i have the rights to privacy.

15 U.S.C 1681 section 604A. section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I received a letter about debt from credit protection association l.p I  had already once told them I disputed the amount with original creditor. They said if I didnt set up an arrangement it would go to my credit an ruin it. Im on XXXX I explained just had a XXXX they would not budge and said 5 monthly payments of XXXX I said I cant afford this right now an I had the choice to refuse or ruin credit. I put XXXX down and my next payment was due XX/XX/XXXX I had credit card fraud and my card was closed completely forgetting about this I never got a letter nor was I 30 days late they sent it to the credit bureaus. I called them XX/XX/XXXX to ask them to remove this and I would pay in full they refused to help I said Id seek legal advice or help they then said your account is closed no contract and we are giving it back to the original creditors. I called back to speak to a supervisor stating if they would not work with me its not fair to have on my report where I cant fix it do to their refusal to speak or have anything further to do with this they kept speaking over me and hung up. I filed a complaint heres my confirmation with you guys XXXX
Product: Credit reporting

I attempted to file a dispute with Trans Union about my XXXX card. So I went online to file the dispute. At the last point, where I needed to upload documents in support of my dispute, I found that the documents could be uploaded in Windows Edge Browser, but you could go no further as the Submit button was not working. When I called Trans Union, I first was routed to a call center in the XXXX. I 'd already given my dispute ID and then the lady asked me for my Name, then Social Security Number, then she needed my home address. At that point I told her I was not comfortable giving that information to people that do not live in the US and are not held responsible for our laws. So I was transferred to the United states and spoke with an Escalation Man. He then informed me that he 'd heard their submit button was no longer working for supporting documentation, and if we needed to add documentation, we would need to fax it a XXXX with a cover letter and all this documentation, or I could mail it. This, to me, is COMPLETELY unacceptable. TRANS Union IS misreporting information on me, and now I have to PAY to get my dispute resolved?!?!? I 've attached my successful dispute through XXXX, which is what I was going to attach originally.
Product: Money transfer, virtual currency, or money service

I am unable to recover my money from Coinbase. I can not log in due to a change in address and phone number, which should be simple to resolve. The only assistance offered is an automated chat, which can not resolve my issue. Their automated phone service does not work, their support email has been XXXX. There is no way for me to contact support. After reviewing forums online, there are many like me having similar issues, with much more money they can no longer access. Stay away from Coinbase.
Product: Credit card or prepaid card

On XX/XX/XXXX I made 3 separate payments to Synchrony Financial. A payment of {$300.00} another of {$800.00} and another of {$300.00}. For each payment I received an initial confirmation that my payment was being processed. On XX/XX/XXXX I received 3 separate notifications that my payment posted to my account on XX/XX/XXXX. My statement closes on the XXXX of each month at XXXX EST. On XX/XX/XXXX I obtained a copy of my credit report and it showed that XXXX XXXX Synchrony Account was updated on XX/XX/XXXX. However, the update did not reflect my 3 most recent payments. On XX/XX/XXXX, I contacted Synchrony Financial they confirmed that they did receive my payments and that it did post on XXXX. When I asked why the balance did not reflect my payments and why the statement did not include payments that were confirmed posted on XX/XX/XXXX, I was told the system had n't updated. My credit score has dropped tremendously based on the usage that is reflected. There are life changing things that I need to do and that drop in my score will prevent me from obtaining the necessary financing to do so. Based on the confirmation, when I made the payments online on XX/XX/XXXX I expected the updates to the credit bureau to be accurate. It is very misleading to receive a confirmation that your payment has posted and is in the current billing cycle but, what is updated to the bureaus may not reflect that. I have many other creditors and it is very clear what the cutoff times are for payments to post to my account. In the event their systems are unable to generate statements ( real time ) the statements are not generated right away. I believe Synchrony owes it to their customers to ensure they are reporting the most accurate information. Cut off times for payment should be very clear and included in verbiage of the e-mail notification for posted  payments. Like other companies Synchrony Financial should delay generating their customer statements to ensure their system has properly updated before sending erroneous and inaccurate information to the bureaus. I 'm hoping you can insist that Synchrony Financial puts a process in place to provide proper updates and send the corrected updates to the bureaus immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian notified me of a medical debt. I never was a patient at the facility and I reached out to the medical debt collector to provide documentation to me. This documentation was never received. I asked Experian to also provide documentation that this debt belongs to me. No one has given me any documentation for this debt and it still remains on my credit report. I have sent certified letters and multiple requests and still no response with any verification.
Product: Debt collection

Comenity Bank XXXX XXXX. XXXX XXXX, XXXX, OH XXXX ) let someone fraudulently change the mailing address on my credit card account then run up a bill they never paid. Since the mailing address had been changed, I never received any notices this had happened. The company ( Comenity Bank ) then sold my account to a debt collector. They now claim no responsibility for what happened, even though it was their bank and personnel which made the changes to my account which resulted in this debt. 

The debt collectors, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX, is now wanting me to pay the charges associated with purchases I never made.
Product: Money transfer, virtual currency, or money service

I am filling 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 electronic 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: Debt collection

I have been affected badly with this constantly being reported to my credit. My financial obligations has been severely affected during covid.
Product: Debt collection

Kopp Collection Service , Inc . 
XXXX XXXX  XXXX XXXX, NY XXXX USA The collection agent used the profane term " XXXX '' in regard to my questions about the validity of the debt. I informed her that using the term is a violation of The Fair Debt Collection Practices Act. She responded by affirming she had used profane language, then hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

FIRST I SPOKE WITH EXPERIAN ACTUAL DISAPPOINTED IN THIER PROCESS TO UPDATE INCCORRECT INFORMATION ON MY PROFILE SPOKE TO LADY IN FRAUD SHE CLAIM I DID NOT SEND RIGHT FORMS WHICH IS NOT TRUE BECAUSE THEY WHERE IN FACT THE RIGHT FORM TO ADDRESS THE THINGS REPORTING INCCORRECTLY ON MY REPORT.EXPERIAN SEEMS TO NOT BE FIMILAR WITH LAW IN REGARDS OF PROTECTING COSUMER RIGHTS ( XXXX ) I -- -INSTEAD OF TAKING TIME TO RUIN MY REPUTATION 15 USC 1681 ACCURACY AND FAIRNESS REPORTING ACT A ( XXXX ) AN ELABORATE MECHANISM HAS BEEN DEVELOPED FOR INVESTIAGTING AND EVAULATING THE CREDIT WORTHINESS, CREDIT STANDING, CREDIT CAPACITY, CHARACTER, AND GENERAL REPUTATION OF CONSUMER 15 US code 1681b-permissible purpose of consumer reports- under this law you never gave a written consent to report anything on your consumer report. No consent is identity theft 15 usc 1681a ( XXXX ) ( i ) exclusion consumer ( individual ) person ( company ) transaction ( payment history ) experiences ( utilization ). 

XXXX STILL PROVIDING GENERIC INFORMATION IN REGAURDS TO INCORRECT INQUIRIES ON MY PROFILE... THE INQUIRES ONLY REPORT ON THERE REPORT ADVISE MY FORMS WAS APPROVE BUT NO FORMAL MOVEMENT IN REMOVING ITEMS THAT I ADVISE WERE INCORRECT ON MY FILE. XXXX ALSO SEEMS TO LACK FCRA KNOWLEGDE AND RIGHT THAT PROTECT CONSUMER FROM BOGUS REPORTING AND INVESTIGATION PROCESS IN BAD INFORMATION ON CONSUMER REPORT ( XXXX ) I 15 USC 1681 ACCURACY AND FAIRNESS REPORTING ACT A ( XXXX ) AN ELABORATE MECHANISM HAS BEEN DEVELOPED FOR INVESTIAGTING AND EVAULATING THE CREDIT WORTHINESS, CREDIT STANDING, CREDIT CAPACITY, CHARACTER, AND GENERAL REPUTATION OF CONSUMER 15 US code 1681b-permissible purpose of consumer reports- under this law you never gave a written consent to report anything on your consumer report. No consent is identity theft 15 usc 1681a ( XXXX ) ( i ) exclusion consumer ( individual ) person ( company ) transaction ( payment history ) experiences ( utilization ).