23daVinci/CFPB_Complaints huggingface dataset:
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 a timely and effective measures to prevent address and fraud on their platform, leaving my account, vulnerable and unprotected. furthermore, their dispute resolution proce 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: Checking or savings account

I am writing to file a complaint against Upgrade Inc. with CFPB due to sudden suspension of my Premier Savings Account on XXXX XXXX XXXX. Since then, I am calling Upgrade almost every day & also emailing them to activate the account, every time same stereotype reply : We are currently reviewing the account. There is no update available at this time. The lack of explanation or resolution has caused significant inconvenience & distress. 

When we tried to transfer our funds outside the account, they suspended our account and have not provided us any reason why. We have also asked them to close our account and transfer our funds to our external account and they are also not closing our account either. 

We have seen many complaints from other people with the same issue that when they try to transfer their money outside their account, their accounts also get suspended and they keep waiting for months with no reply.

Upgrade is illegally holding our money without our consent and we want strict action and investigation taken against them as they are dealing with fraudulent practices. 

I am senior XXXX having XXXX XXXX & need money for day-to-day activities. I request immediate account Unsuspension & compensation for inconvenience and stress. I want my account closed and all my money transferred to my external account ASAP. I request the CFPB to please facilitate swift resolution to this matter. I request your assistance in resolving the matter promptly.
Product: Debt collection

I received a notification on my XXXX credit report that a debt collection agency has a debt in my name. I researched all of the details to this alleged debt and came to the conclusion I was a victim of identity theft, the charges were fraudulent stolen from an address in Texas that I have no association with from an energy company that I have never heard of.
Product: Student loan

Navient employee told me on the phone I could do the XXXX and the XXXX XXXX XXXX XXXX ( XXXX ) at the same time without issue. I asked TWICE if there was anything that was going to make me not eligible. The employee said everything looked great and I was on track. Once Navient transferred my loan to XXXX XXXX to complete the XXXX just after XXXX was approved. XXXX XXXX said that I had to start over on the XXXX because I had already been awarded the XXXX. I am only XXXX payments into the XXXX when I was closer to XXXX before. Now, when I finally meet the XXXX payments, I will be almost paid off anyway ( about 6 months away ). This information about XXXX and XXXX is a little better explained NOW but a couple years ago when this happened it was not. I even talked with financial aid counseling and no one caught it until it was too late. The employee at Navient was not honest and I am literally PAYING for it. Anytime I try to write a letter to XXXX XXXX, they ignore my complaint and only say that I have to continue paying my loan to be eligible for the XXXX. The XXXX is not helpful to most XXXX anymore because the cost of college has gone up significantly. It should be either removed or allowed to be done with XXXX. Why not? If it 's going to be forgiven anyway, why ca n't it be done at the same time?
Product: Credit card

Equifax has incorrectly reported a late payment on my credit report for [ Creditors Name and Date ]. I have always paid on time, and this error has impacted my credit score. 

I previously disputed this with Equifax but received no resolution. Please investigate and have them correct this issue. 

Attached are supporting documents
Product: Credit reporting, credit repair services, or other personal consumer reports

When I applied for a loan I was told by the lender my credit score from Experian was XXXX however when I called Experian I was told my credit score was XXXX. I was denied the loan and Experian was unable to provide an explanation as to the difference or how I could even correct it. XXXX and XXXX  both had my credit score over 800. I was aware of only 3 collections and all three were medical and under {$100.00}. I am XXXX and have never been delinquent on any loan. If a credit reporting company is going to provide a service like this then they need to be consistent and disclose to the public how different risk models work,
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent documentation from XXXX showing that XXXX XXXX was not on my XXXX credit report any longer. A copy was sent to Transunion showing this and asking them to remove it as well. XX/XX/2023 I get an updated copy from Transunion saying an update had been made on it. There is no way they had time to even get the copy I mailed to them on XXXX. And if they did they still didn't remove it. So this needs to be removed from my Transunion credit report since it does not show on XXXX now. And proof was provided to them. I received another letter from TransUnion today dated XXXX saying You recently submitted a dispute to TransUnion for an item on your credit report. Our records show that we previously completed an investigation of the below item and the data furnisher verified the information on your credit file. AGAIN THERE IS NO WAY THEY WOULD HAVE GOTTEN MY DISPUTE LETTER WITH THE LETTER FROM XXXX SHOWING IT WAS NOT ON IT SINCE THIS LETTER IS ALSO DATED XXXX. SO THEY HAVE NOT INVESTIGATED THIS OR IT WOULD BE REMOVED FROM MY REPORT SINCE I MAILED THE COPY FROM XXXX SHOWING THEM THE PROOF.
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 confidentially under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX I 15 U.S.C 1681 Section 602 A. states I have the right to privacy. 15 U.S.C Section 604 A Section 2 : also states a consumer reporting agency can not furnish an 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, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) 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.

PLEASE DELETE AND REMOVE ACCORDINGLY. Thank you.
Product: Debt collection

This company is attempting to collect on a debt that is not mine. XXXX and Resurgent both have this account open and reporting in collections on my credit report as negative. I have not signed any agreement or contract with resurgent or received any goods or services from them. Please delete this account from credit report. 15 USC 1692c ( c ) clearly states If a consumer refuses to pay a debt the debt collector shall not communicate further with the consumer.
Product: Credit reporting or other personal consumer reports

Hello, I am reaching out to file this complaint due to being misled by the company regarding a forbearance plan. I contacted the company to be placed on a forbearance plan when I was having a difficult time. I was told during this time my account would not be reported as late. Additionally, I made my payments way before the plan ended and even made my payments earlier then described on the plan. Please remove any negative reporting payment history that is in place.
Product: Mortgage

Chase is refusing to postpone my sale date, although they are in possession of a full package for loan modification review. This is a direct violation to the National Mortgage Settlement ( NMS ) of XX/XX/XXXX,  which prohibits the following abusive mortgage servicing standards. 

XX/XX/XXXX, NMS, identified various abusive practices being performed by Chase as well as other large banking key players which indulged in the same predatory practices as a whole. The wave of foreclosures exposed numerous problems : robo-signed affidavits that were turning up in foreclosure proceedings ; lost notes ; excessive fees ; dual tracking where banks would simultaneously pursue a foreclosure while telling the borrower that his loan modification application was still under consideration ; and the servicers generally not living up to their obligations as servicers. 

Chase bank has been in possession of modification request for assistant documents since XX/XX/XXXX. However they have refused to process these documents a continuously proclaim to still be missing items. The items which are expressed to be missing are mixed and matched, meaning if 25 pages are sent and 25 pages show successful transition, by the time the documents uploaded only 15 pages have completed the process. In particular, we have had to resend the same copies of rental agreements 6 times all of which show successful transmission via fax. Bank statements have been sent multiple times with the same results. 

Our account was purposely overlooked more than 11 times between the years of XX/XX/XXXX until now, with no reasons given as to why the loan is not qualified under at least the HAMP Tier II. This program is designed specifically for second mortgage properties. 
Our loan has also been transferred from multiple single point if contacts, which results in misapplication documents. Further the result of what may amount to thousands of documents during the duration of the request process from XX/XX/XXXX, has cost our family financial detriment. Also we have our mortgage account has been charged more than {$15000.00} in junk fees not to mention the compounded interest which has been applied to our loan unjustly. Chase has committed this type of illegal financial enrichment on multiple levels surrounding the servicing of our loan. 

Restriction on dual track foreclosure : Mortgage servicers are restricted from advancing the foreclosure process if the homeowner is working on securing a loan modification. When a homeowner completes an application for a loan modification, the foreclosure process is essentially paused until the complete application has been fully reviewed. 
Guaranteed single point of contact : Homeowners are guaranteed a single point of contact as they navigate the system and try to keep their homes a person or team at the bank who knows the facts of their case, has their paperwork and can get them a decision about their application for a loan modification.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns with Zelles handling of disputes, particularly in light of CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims accurately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Student loan

I 've been in repayment of my loans since XX/XX/XXXX with Fedloan. In XX/XX/XXXX of this year ( XX/XX/XXXX ) I enrolled in a XXXX degree and applied for loans. Once my new loans were instated, fedloan, automatically deferred my previous loans. I called them immediately on XX/XX/XXXX when I realized this had been done and I requested it be reversed as I want to continue paying my loans. They told me I have to sign a waiver and I requested they send it to me right away. Today is XX/XX/XXXX, I still have not received the waiver, despite 5 more conversations with Fedloan. I am told that once I do receive and submit it to them it will take another 7-10 days to reinstate it. In the meantime I am accruing interest at the full rate instead of the rate discounted .25 % for having automatic debit through them. I never asked for my loans to be deffered and they are being extremely unhelpful in allowing me to repay my loans.
Product: Money transfer, virtual currency, or money service

GTL has refused to provide me with documentation of all advance pay phone payments made and per phone call charges charged via phone records. I submitted a request of detailed phone charges and call records to their customer support as well as spoke with customer support on XX/XX/year> and have received NO communication at all whatsoever concerning my request since the. They are actively under investigation and ordered to pay a lawsuit of XXXX XXXX dollars to consumers whom they have defrauded. Since I have been forced to make an account with them in order to communicate with my XXXX  son at XXXX XXXX XXXX over 9 months ago, They have been charging more money than allowed for phone calls via the FCC guidelines and placing funds on my XXXX  XXXX  account on hold and not returning my $ to my phone account. I have contacted them when I noticed my account was being charged and money was being taken from my account, where they gaslit me, hung up on me, and were of no help obtaining a detailed record of all charges. They have since ignored my request to obtain the charge records per phone call to my XXXX XXXX account which leads me to believe they are indeed stealing money from their consumers and families of those XXXX. This company is using it's monopoly power and stealing from consumers and blocking accounts when we hold them accountable. I'd like a full investigation into the GTL and XXXX XXXX XXXX, the XXXX XXXX XXXX and NOW they are attempting to cover their tracks by moving to a new platform called GTL Getting Out. A subsidy of XXXX XXXX and umbrella company of Global Tel Link. I believe they have stolen money from my advance pay accounts, which forces me to have to add more and more to receive my sons phone calls. I'd like an investigation done, My records to be sent to me and any moneys owed or overcharged to be given back. My attempts to get my detailed call and charge records have been met with nasty management telling me that I would have to subpoena call records, pay for call records or flat out told, they are not available to us consumers on accounts WE created, on OUR personal phone numbers, using OUR OWN money to fund these accounts. I plan to take this complaint and/or lawsuit as far as it needs to go until this situation is rectified and they are either closed or forced to stop committing fraud against families that are already dealing with the loss of their loved ones to the XXXX XXXX and fined as well as placed under strict provisions, monitoring their systems account and financial records.
Product: Credit card

I contact this bank again in order to obtain a settlement plan since I'm going through some financial issues and I'm not able to keep paying the minimum monthly and facing high interest charges every month. 

The representative informed me that there is no settlement plan to assist customers on liquidating the account balance, that the only way that could happen is when you stop pay and they send you to collection, again no respect for its customers, they rather damage your credit than offering you a payment plan. 

I wonder if this is even legal, so basically, they tell you, you either keeping paying whatever and we will add more interest to your account, and it will become a snowball by the time you can actually pay off or go to collection, which both options can affect your credit score negatively. 

I'm going through some financial issues, I'm a single mother and my income has lower in XXXX, which is making very hard to pay in full, paying on monthly bases as I have done the minimum is still generating interest rates every month as high as 29.9 %. 

I called and asked if they would have a payment plan and they said that the only way that could happen is when they send my account to collection which it can take several months, meanwhile they keep ruining my credit. 

They have reduced my limit in XXXX ( they do that every year! ), then they increased again and finally they decrease to the total amount of my balance, I have two cards with them, and they did this on both cards, is being damaging my credit score, I need to move house sooner and so far, I have not been approved because of that!

I work hard to pay my bills on time and if you look my credit score my payment is excellent for that reason.

Can Amex simply treat customers so unfairly? Are they like Credit Cards God though? At least is what it looks like. Frustrating.
Product: Bank account or service

I had several IRA accounts that were held by XXXX. In 2013, KeyBank bought these accounts from XXXX. In XXXX of 2013, KeyBank closed these accounts - without my knowledge or permission. They supposedly mailed a check to me and they reported this to the IRS as they are required to do. 

I knew nothing about any of this until I received a bill from the IRS a few months ago, stating that I had unreported income in 2013 and owe them several XXXX dollars. 

KeyBank states that sometime in 2013, prior to them closing my accounts, they mailed a form to me to sign if I wanted to keep my IRA accounts open and active with them. I never received this form. I never received the check KeyBank issued in 2013. I never received a XXXX for submitting with my 2013 taxes from KeyBank. Any XXXX of these items certainly would have raised a flag with me.. 

I have been in contact with KeyBank on a very regular, often daily, basis trying to resolve this issue. They finally researched and agreed that I never received the funds. They are willing to send me a replacement check ( for POST-tax funds, not PRE-tax funds as the accounts were established ) *IF*, and only if, I sign an indemnity form holding them harmless and promise no legal action. This is as far as they are willing to work with me. 

I have attempted to contact XXXX XXXX XXXX XXXX, their Chairman and CEO, for assistance, and she passed my request on to their Executive Support Department. The executive customer support department maintains the same position, that this is solely my problem and that they will issue me a replacement check ( post-tax funds ) if I sign an indemnity form holding Key Bank harmless in all of this. 

Frankly, this is an unacceptable resolution. 

KeyBank is unwilling to : Take any ownership of the mistake they made Take any corrective actions for what they did Provide any documentation to the IRS on my behalf indicating that I did not receive these funds in 2013. 
Correct their mistake and either reopen the accounts or roll these funds into another tax deferred account - funds that they have been in possession of this entire time. 

KeyBank states that they are unable to because it would have to be a new account and IRS contribution limits apply. Frankly, this statement is a bit nonsensical to me. They closed the original accounts without my permission ; they can certainly go back and re-open them, especially since they have been in possession of my funds this entire time. It is really amazing to think that I can be made to pay taxes and penalties on funds that I never received. 

KeyBank needs to, and has the ability to, correct this situation by maintaining my funds in pre-tax status and submit amended and corrected information to the IRS, but they are unwilling to do so.
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 XXXX  XXXX XXXX {$59000.00}, # number ending in XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1000.00}, # XXXX XXXX XXXX {$64000.00}, # XXXX $ XXXX XXXX {$26000.00}, # XXXXXXXX XXXX XXXX  XXXX {$9100.00}, has violated my rights. 

15 U.S.C 1681 section 602A. 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 instruction.

15 U.S.C 1681 c. ( 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 accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to the credit bureau on XX/XX/2023 regarding an alleged late payment in XX/XX/2023 on my auto loans with XXXX XXXX. The dispute was sent via certified mail along with the return receipt. I have included the receipt on the date it was mailed and the tracking information that indicates when it was received. The credit bureau failed to respond or reply and it has now been over 90 days. I have proof beyond even a reasonable doubt and certainly a preponderance of the evidence that the documents were sent and the credit bureau failed to timely reply. The XXXX XXXX loan numbers are listed below : XXXX XXXX