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

I'm a current customer who has been in forbearance for some time now. Though I stand to soon start paying off a substantial student loan amount, I haven't been in a position to pay off my loan quite yet. I have signed up for an IBR and do intend on being considered for the Public Servant loan forgiveness program -still waiting to hear back about it- but I, at the moment, am not in a position to begin repayment. As the IBR has already been calculated, I've already been able to calculate what my payments  will look like when I am ready to start making payments ( hopefully as soon as later next month ). 

Yet, I have to live my life and strive for the things I need, namely, buying a house. And as is customary for buying a house, I am doing my best to fix my credit, which has not been ideal. Despite the amount of debts I've been working on paying off, I've been doing a really good job and making a super concerted effort increasing my score over time. But there is an enormous obstacle in my way, and that is your incorrect reporting. As far as I can gather, from my heavy research, conversations with XXXX XXXX, Transunion, XXXX  personnel, and from your personnel and website, my increases in interest while in forbearance should not be affecting my credit score. 

Yet in XX/XX/2019, my credit score increased by 64 points and yesterday, XX/XX/XXXX, it increased by 47 points. Prior to XX/XX/XXXX, I had close to 600 in my credit score, but then an increase in my XXXX loans ( though I was in forbearance ) for about XXXX dollars or so, brought me down to XXXX. 

After I was discouraged from applying to a home because of this, I submitted a letter to XXXX and my credit bureaus about this mistake, which I thought had been rectified, and then went to work at improving my score. Recently, my score was a XXXX, just 4 shy from the minimum most conventional lenders would consider. I was just about to apply for pre-approval when I wake up this morning to this terrible news. Now I'm at XXXX! I can't apply for the house again and all because you are reporting to the credit bureaus about my interest increase. I have not received any notification that credit reporting standards have changed and it is directly affecting my family, despite my writing a latter to XXXX and not being in default at all. Never have been. 

All you know is that no matter what you do, something random and completely out of control just plunges your credit score when you're not expecting it and rather unjustly. And then it's the weekend, so you can't get this resolved until Monday, and even then, you'll have to wait a while until the issue is fixed ( if it can be fixed ) and just hope that when the next cycle goes through, it doesn't happen again. It is so discouraging and XXXX does nothing to fix this. 

I'm attaching snapshots of this error and am sharing this with all of the relevant organizations. I'll also be writing a news article about this. Please fix this as soon as possible.
Product: Debt collection

I pulled my credit report and have noticed a violation regarding the accounts listed below : ACCOUNT NAME & ACCOUNT NUMBER : XXXX XXXX XXXX You sent me a settlement letter agreeing to accept a certain amount to satisfy the above account as paid in full. You also stated that upon receipt and clearance of that amount, this account will be satisfied-in-full. Again see your letter attached to this document. Well, I paid according to this agreement. Why have you breached this agreement and sold the balance to another collector? You lied to me and used false and misleading representation when you said that this account will be paid in full once I made this payment. As of now you have violated the following :
Product: Debt collection

I XXXX XXXX am a Consumer of the U.S. and anything Purchased with my credit card remains the obligation of the U.S. Pursuant to 15 USC 1601. I never gave consent to Penn Credit Corporation ( third party debt collector ) to obtain any of my information. This is a violation of my privacy and you are in violation. I never signed a contract with Penn Credit Corporation. Pursuant to 15 usc 1692b, a debt collector can not state that this is an attempt to collect a debt. You have again violated my consumer rights as protected by FDCPA. You have mailed my home at an inconvenient time Pursuant to 15 USC 1692c. You will be held criminally liable Pursuant to 15 usc 1640 and civilly liable for all violations Pursuant to 15 usc 1692k.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to the 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: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion and XXXX are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item 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 item and update it immediately in my report : XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/22, I received a cashiers check from my father in the amount of {$13000.00}. This was taken from my dads bank account from XXXX, and was given to me to pay off my loan. 

Immediately ( within XXXX minutes ), we deposited this cashiers check into my Bank of America account at the local financial center. I was told then that the funds would be available XXXX since this amount is larger than {$5000.00}. 

XXXX @ XXXX AM I received an email from BOA saying a hold until XXXX was placed bc check specific information indicates item XXXX be returned. I did not understand why since this was a cashiers check taken from my fathers home equity loan and then deposited immediately at a financial center. 

XXXX I call Bank of America to inquire what was going on since I was unable to log into my account to see where we were with the hold. I am told by the risk team that due to my cashiers check being counterfeit, my account is now closed. Bank of America did not contact me informing me this was happening. 

The following few days I call the risk team 6 times to figure out the solution since the cashiers check is not fraudulent. I am told different things by each employee on how to resolve the issue. 

XXXX I go to the BOA branch where the cashiers check a deposited and talk to the branch XXXX XXXX XXXX. He tells me there is not anything he can on his end, but recommends I go to the XXXX branch. There, the XXXX employee XXXX XXXX is confused this has happened and informs me BOA did not contact XXXX to confirm the cashiers check validity at any point. They confirm the money has been taken from my dads account. XXXX employee emails BOA branch XXXX to verify that the cheque had come from XXXX. 

Frustrated, I call the BOA risk department and ask for the situation to be escalated to the supervisor. The supervisor flags the cashiers check for XXXX review, and says the analyst will make an update within XXXX business days XXXX I speak to the BOA risk mitigation supervisor, and he informs me no update has been made.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below farmers furniture XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX These hard inquiries are the results of identity theft and fraud
Product: Credit reporting or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXXXXXX Dear CFPB, I am writing to formally file a complaint against XXXX XXXXXXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the XXXX pandemic, I applied for and was approved for a financial relief program provided by XXXX XXXXXXXX XXXX Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by [ XXXX XXXX ] about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA.

Request Therefore, I request that the CFPB investigate this matter and require XXXX XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I had autopay turned on at GM Financial and had made timely payments throughout the lifecycle of my lease. At my lease termination, I had returned my car and closed the account as the account was paid in full. Couple months later I found out that someone had added on {$36.00} fees without notifying me after autopay had paid off the account in full. 3 months later I find out through my credit report that I now carried a balance. I called GM Financial and even they were surprised stating this was the first time they had seen this either. However, no action was taken after I submitted 2 complaints and had 2 phone calls with them. It now shows that someone had closed out the account to cover their tracks but left the errors still showing on the account so now I have proof of their errors and evidence of hiding their tracks. 

This is a disaster of company operations and GM Financial should be held accountable. I can't imagine how many others are being affected by this as well.
Product: Mortgage

On XX/XX/2020 I closed on the sell of my home expecting that the mortgage was to be paid off and for my escrow funds to be returned by BOK Financial Mortgage ( BOKF ). That did not occur since 2 weeks later I discovered that my loan had been sold off to a new lender, XXXX XXXX ( XXXX ), on XX/XX/2020. This caused a lot of confusion and frustration because BOKF should have sent the funds to XXXX XXXX according to Federal Law,  which has a 60 day transition period. BOKF returned the funds to the title company, XXXX XXXX, via a mailed check. The delay in payment caused additional interest to accrue on the mortgage. 

I did notify my contact at BOKF of my intent on selling the home in early XXXX. Also, I pulled a payoff quote from BOKF on XX/XX/2020. The title company also worked with BOKF for the payoff amount even though it knew that it no longer owned the mortgage. 

Additionally, the XXXX XXXX representative told my Title Services representative that the additional interest should have come out of my escrow because I had money available. This sounds illegal, if not unethical. 



Original Lender : BOK FINANCIAL MORTGAGE XXXX XXXX XXXX XXXX, XXXX XXXX PAYOFF STATEMENT XXXX, OKLAHOMA XXXX New Lender : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX
Product: Checking or savings account

I was scammed by a fraudulent psychic named XXXX XXXX XXXX who charged my CashApp account XXXX dollars and XXXX in cash for a spiritual work that resulted in fraud, he also scammed other people and after I informed the CashApp company they promised to investigate and for the past week all they did was emailing back and forth with lies stating they would refund if I provide a police report I did provided the copy of the police report card even evidence of a complaint also filed with the attorney general, the fbi and ftc and after I provided all that evidence they closed my investigation stating they cant do nothing, this cashaap company is deceiving they allowed this type of fraud and do nothing to refund the money stolen I found they were punished by your company for not handling properly the customers complaints and thats exactly what they did in my fraud case that I reported to them, they just lie and email from several different agents pretending to help just to close the complaints and do nothing these people should be investigated and prohibited from doing business.
Product: Credit reporting or other personal consumer reports

I formally request for the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. These are the following fraudulent items that I want to removed of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX - I was unable to transfer money from my Marcus by Goldman Sachs savings account. I kept receiving an error message on their app. 

XX/XX/XXXX - I called Marcus and detailed the problem. They then said my account was closed and that they were not required to disclose why. I was then told that I would receive my funds in 7-10 business days, along with written correspondence on this. 

XX/XX/XXXX - I did not receive my funds, nor any correspondence. I called again and was told that the previous representative did not initiate the fund transfer. This representative said they just initiated it and I should receive my funds within 7-10 business days in the original funding account. 

XX/XX/XXXX - No funds nor correspondence. I called again, and they now said that I am under investigation and that they will hold my money until they conclude their investigation. I asked how long this would take, and why I was being investigated. The answer received was they can not say.
Product: Credit card

On XXXX XXXX paid a friend through Venmo {$15.00} - this money was not withdrawn from my chosen payment method ( XXXX XXXX  connected via XXXX  ) and instead paid with my credit card I hold through Venmo despite there being funds in my XXXX  account. 

I issued a payment from my bank to the credit card immediately, since that was not the account I had wanted to make the payment with. 

Several days later I got word that both payments did not go though, however no information had changed at all with my bankacount since I connect it to venmo via XXXX. 

I tried several times to contact support and they recommended I hook up my bank again. 

After doing so, I was able to pay my friend another {$10.00} with no issues on XX/XX/XXXX. 

Today XX/XX/XXXX I learned that my credit card account was closed in spite of my following the Venmo representatives steps to correct the issue. 

When searching for help online, many other Venmo users were having difficulties with the same exact problem and also now have their accounts suddenly closed with no warning.
Product: Checking or savings account

I received a tax refund, deposited it and now my account is frozen.said the irs cant verify the check but whe I called them they verified it. I have a recording of agents name along with id number.
Product: Debt collection

Good Morning, The question templates do not reflect my issue at all. I apologize for going another direction with this complaint, but it is as follows : I do not have exact dates, but Navient has always denied my ability to split our school loan with my ex-wife, who has a poor payment history and is affecting my ability to pay back my half of our loan. 

That there is not an option for splitting loans due to events like divorce is maddening. I want to pay my half of the loan. But since it 's not eligible to be split, my credit is constantly being hit because of my ex-wife 's non-payment of her half of the loan payment on many months. 

I am at my wit 's end and am begging for an opportunity to have the loan split. Because of non-payment this month and last month, our payment amount has doubled in size with an unrealistic current amount due at over {$1000.00}. 

Please help. Thank you. 

XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Refer to several complaints against XXXX XXXX XXXX, who acquires CC portfolios, which they can not properly verify the balances. 
XXXX has been reported for non-compliance to the FCRA, and the FDCPA several times, regarding a CC account which they claimed as purchased, and they do not want to delete after never being able to verify, and trying to collect amounts not owed. 
JCS on complaint ending in XXXX, keeps reporting the account with XXXX  balance as a charge-off, where clearly mentions on the experian report they owe. 
Since XXXX, both Experian and XXXX have been at fault, due to non-compliance with the FCRA, as CRA and actual borrower. The fact after more than 6 months from the first complaint properly mailed to both, and documented receipt is a breach for more than 5 months to the FCRA, while the timeline is clear and never acted timely according to it. Due to the previous, both Experian, XXXX and/or XXXX as actual creditor, and original creditor in each case are obligated to remove the account or correct the status ti current at time of closing on XX/XX/2019 with XXXX balance and current. The Continuous non-compliance is clear, after 5 months after they were not able to verify the properly the pretended amount. The FCRA gives the right in this case to the consumer, to claim {$1000.00} per case which I am claiming here in addition to any sanctions to the 3 non compliant parties. I request CFPB to act accordingly.
Product: Debt collection

This company is reporting a ticket I receive in XXXX as a new charge off in XX/XX/XXXX on my report and refused to remove it even after I have paid. Tickets are not suppose to report on credit reports. Also this debt didnt arise from a contract I agreed to pay so shouldnt be reported as a collection on my credit report
Product: Student loan

Ive been with the the company higher level processing for at least 7 years. I was told when I enrolled that my loan withdrew be forgiven after 5 years in a title 1 school. And yet Im still paying. They constantly change the story and plan even when I dont authorize it. Ive tried to ask to talk to a supervisor and never get to.
Product: Credit card or prepaid card

I open an account with South State Bank, the financial institution is XXXX XXXX around XXXX' 2019 with a credit limit of $XXXX. I initially completed a balance transfer and made my first payment on XX/XX/19 and then set up automatic payments to take place but those automatic payments did not initiate for XXXX payment. I was notified after the due date and made an immediate payment likewise I contacted the Financial Institution to request the late fee be returned due to the software failure. This was my only missed payment I do not miss payments (as shown on my credit report with all 3 bureaus) XXXX   XXXX  decreased my line of credit from XXXX to XXXX   at the time I had about 6200 in open balance. This not only negatively effected my credit score it has become something that I have to speak to with my mortgage broker. I requested XXXX XXXX to correct this by reinstating my credit limit as well as waiving the late fee charge of $28.00 below is the response of the customer service agent

On XX/XX/2019 at XXXX XXXX Cardmember Service wrote:
Dear XXXX  XXXX: Thank you for contacting Cardmember Service via our website about your Visa® account ending in ****. We have referred your inquiry to the Office of the President to ensure that your concerns are answered appropriately. An Office of the President specialist will respond within 15 calendar days from the date of your email. Please contact us again if we can be of further assistance. Sincerely, XXXX XXXX. Cardmember Service Advisor

My response:
On XX/XX/2019 at XXXX XXXX  the following message was sent:
XXXX, as a courtesy, I have waited on a response that was promised in 15 calendar days and I have not received a response or resolution as of yet and it has been beyond the 15 calendar days previously indicated in the response from XXXX. In an attempt to be reasonable I will wait until XXXX   allowing 15 business days at which point I will move forward independently.

The company is claiming they sent me a letter on XXXX I have received no such letter. 

On XX/XX/2019 at XXXX XXXX Cardmember Service wrote:
Dear XXXX  XXXX: Thank you for contacting Cardmember Service via our website about your Visa account ending in ****. Our records indicate that an Office of the President specialist sent a reply to you by mail on XX/XX/2019. The letter will arrive in a white envelope with a return address of XXXX, North Dakota. Please contact us again if we can be of further assistance. Sincerely, XXXX   XXXX. Cardmember Service Advisor

On XX/XX/2019 at XXXX XXXX the following message was sent:
I have received no such letter hence my reaching out on XXXX

On XX/XX/2019 at XXXX XXXX Cardmember Service wrote:
Dear XXXX  XXXX: Thank you for contacting Cardmember Service via our website about your Visa account ending in ****. We have forwarded your request to the Office of the President specialist to have the letter resent. Once the letter has been resent you will receive it within 10 days. Please contact us again if we can be of further assistance. Sincerely, XXXX XXXX. Cardmember Service Advisor