23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I had misplaced my checkbook and I was concerned that somebody might have gotten my account details. I called Schwab bank and they said that I could easily switch to another checking account. Upon setting up the new checking account, I called Schwab inquiring about when I would receive my new debt card and check blanks for the new account. The customer service person said that she had bad news, " Schwab had closed my new checking account, effective yesterday, for business reasons. '' I mentioned that I had a critical Social Security check that was being electronically deposited within the next few days, I asked if it would be possible to accept my Social Security deposit. Schwab customer service stated that it was not possible to accept my Social Security check and that it would be rejected and sent back to Social Security. I mentioned that my rent payment was dependent on this Social Security check, along with numerous electronic payments for various companies. The Schwab customer service person was apologetic but said it was impossible to accept my Social Security check because the account was closed effective yesterday. 

Well, my Social Security check was presented to Schwab and rejected the same day that I had called Schwab inquiring about when I would receive my new debt card and check blanks. Imagine your calling the bank to ask about check blanks and to your surprise they informed you that they closed your account yesterday and that your paycheck would be rejected. 

I later called Schwab and asked them if they were aware of the federal government guidelines when closing bank accounts that have federal Social Social Security deposits. Reference : " XXXX XXXX XXXX ( c ) ( XXXX ) '' and the XXXX A Guide to Federal Government ACH Payments and Collections. '' Per these guidelines, " Financial institutions must give 30 days notice of closing accounts to which benefit payments are being sent ( see XXXX XXXX XXXX XXXX c ) ( XXXX ) ). And, according to the Treasury 's XXXX XXXX, if a financial institution closes such an account for fraud, it must make arrangements for the owner to receive the next direct deposit if it wo n't keep the account open for 30 days. The individual at Schwab, stated that the department that closed my account was not aware of these guidelines. 

Meanwhile, it 's going on two weeks ; I am now fighting eviction, I have incurred additional costs due to electronic " bill pay '' payments that were in process when Schwab closed my account. Additionally, I have spent countless hours trying to get the rejected " critical payment '' check from the Social Security agency. I would like Schwab to immediately provide the Social Security payment which they rejected, cover the costs of eviction and costs that I have incurred due to rejected " bill pay '' payments, and compensation for the time that I have spent managing this situation. This comes to about {$5000.00}. Ironically, all this could have been avoided if Schwab would have adhered to the Federal Guidelines and XXXX XXXX when closing my checking account.
Product: Credit reporting or other personal consumer reports

I have repeatedly disputed the accuracy of the information related to the a collection account with XXXX XXXX XXXX, in the amount of {$990.00} with an original balance of {$1000.00}, with Experian, XXXX, and XXXX but the inaccurate information remains on my credit report. Specifically : Incorrect Balance : The reported balance of {$990.00} and the original balance ( {$1000.00} ) is inaccurate. There were XXXX  month 's worth of payments on this account. My original credit limit with XXXX XXXX  was lower than the amount reported, and my XXXX  payment was made immediately, which should have further reduced the original balance. In XXXX and XXXX, I requested the original purchase agreement, along with complete record of payments made and did not receive it, from XXXX XXXXXXXX XXXX XXXXXXXX. 

Outdated Collection Account : The debt in question is an " open account '' beyond the statute of limitations for collection under Louisiana Civil Code Article 3494, which specifies a XXXX-year statute of limitations for such debts. The last payment was made in XX/XX/XXXX, making this account time-barred and no longer eligible for collection or reporting. 

Despite providing clear evidence of these inaccuracies in previous disputes, Experian, XXXX, and XXXX have failed to correct the information on my credit report. This ongoing failure to maintain accurate information is a violation of the Fair Credit Reporting Act ( FCRA ). 

Relevant Federal Law : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires that credit bureaus conduct a reasonable investigation into disputed information. 
15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) : Requires that furnishers of information update and correct inaccurate information provided to credit bureaus. 
15 U.S.C. 1681e ( b ) : Requires that credit bureaus maintain accurate and up-to-date information on consumers credit reports.
Product: Money transfer, virtual currency, or money service

I am filling 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 ad address fraud on their platforms, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive ad 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

My credit report states that I owe {$3600.00} to XXXX. I do not have and never had XXXX as a cellular company.
Product: Student loan

I have been enrolled in the IBR program since finishing graduate school XX/XX/2012. I have followed protocol flawlessly during that time. This year, however, due to an exceptionally busy schedule of work, travel, and moving, I missed the re-enrollment deadline by under a week. My servicer NelNet acted quickly, informing me that the interest accrued during the last year ( over {$25000.00} ) would be applied to my principal balance. Now, I fully admit to missing the deadline but what I find incredulous is that there is no way to appeal this decision or negotiate what essentially works out to be a penalty as is commonly done in business and loans. It 's laughable. The best the customer service agent could do was offer me a phone call from a supervisor sometime in the next couple days, and could n't even confirm the number I should expect to receive a call from nor that the supervisor would leave a voicemail in the case I was unavailable to answer. I understand that the impetus is on the consumer to keep abreast of policy and plan details, but the fact that there is absolutely no avenue to appeal or flexibility in any matter is borderline predatory. Also, as the agent confirmed, I can only receive electronic OR mail correspondence. Not both. That alone is baffling. It is also severely decreasing the likelihood that this loan will ever be paid in full.
Product: Checking or savings account

Paypal refused to close my accounts and wanted to instead keep them open. I have been unable to update my address, phone number, and log-in information that has been changed due to my moving with being homeless. During the process of being homeless I have moved from a few different concepts and shelters that have caused disruption with me being able to do business as usual and have instead resulted in alway receiving a less than desirable experience with XXXX XXXX XXXX Paypal. 

I am happy to provide proof of my identity but have found doing business with XXXX XXXX XXXX Paypal to be less then superior service experience in regards to updating my account information.
Product: Mortgage

On or around XX/XX/2019 we had applied for mortgage assistance due to loss of employment. We were current on payments throughout the process and received responses to our application for mortgage assistance in mid XXXX. By that time, we had found employment, so we were no longer in need of the mortgage assistance. The unfortunate part to us exploring this, is, that we think that as a result of the application for assistance, it triggered a review of our escrow account in which we had always managed the payments on our own for taxes and insurance. Due to this, our regular payments were applied to the escrow account and not our regular payments. These actions caused us to show as delinquent on the account. I had tried to resolved this several times by leaving messages, talking to several processors to be told it would be resolved. I also wrote in through the website to get this resolved. Again, we were never delinquent so I'm still not sure what triggered the escrow review to begin with as we have also never been delinquent on hazard insurance or property taxes. Now, because of the misapplication of funds into our mortgage to the escrow account, it has caused incorrect reporting to the bureaus and notations on our credit file that are incorrectly showing paying under and agreement.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXXXXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XX/XX/2021 OAC XXXX placed a collection incident on my credit report in the amount of {$95.00}. I never received any invoice for any medical bill for {$95.00}. The address and phone number given to my credit reporting company ( XXXX  ) is : Directory : XXXX, XXXX XXXX XXXX, XXXX, WI XXXX. As a result, my credit took a hit which is especially damning when you are getting a pre-approval for a home! This company should face consequences. They did not respond to a phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm a victim of identify theft. A person has tried twice to open a   XXXX   XXXX    credit card once in  XXXX  2017 and another in   XXXX   2017. Both times   XXXX   contacted me and we had calls with   XXXX   XXXX   and identified as fraudulent.   XXXX   XXXX   stopped the issuance of credit in both instances. They also removed the hard inquires on my credit reports for  XXXX  2017, but for  XXXX  2017 they missed Equifax. I have written twice to   XXXX     XXXX   XXXX   fraud department explaining about the fraud and they missed the hard inquiry with Equifax and both times they keep sending the same letter about three kinds of inquires. Pre-screening inquires, Account management inquires, and Standard inquires. Nothing to do with my issue. They are not bothering to read my letters. Because of this hard inquire it can lower my credit score.
Product: Mortgage

I am having major problems extending my forbearances on my properties. I have called LoanCare multiple times and have been told my 90-day extension is in progress more than once. In fact, I called XXXX, received emails ( attached ) on XXXX saying they were approved, letters in the mail ( attached ) dated XXXX saying my forbearances have been extended to XX/XX/XXXX ( so they've been extended to the past?! ) and still nothing. I called XX/XX/XXXX, was told they would need to be manually done, and still I'm getting emails saying I need to take action. I just called today, XX/XX/XXXX, and the representative told me there isn't even a record of anything the representative did on XX/XX/XXXX and that the system says I have exceeded my 540 allowable days, but that isn't possible because forbearance programs didn't even start 540 days ago ( she suspected it was because my social security number is tied to 3 loans and so the system might be combining them all to " exceed '' 540 days ). She said she had to transfer me to loss mitigation ( even though that's the number I called ) and I've received no help. This has become extremely frustrating and now that XXXX is almost over and my forbearances with it, I am left wondering what is going on. My only options at this point have been to call back, file complaints with the appropriate government regulatory bodies, or reach out to other legal means because LoanCare isn't helping. This is for three loans : XXXX, XXXX and XXXX.
Product: Debt collection

I looked up my credit report and I have 2 collections account from Wakefield and Assoc. One for {$1700.00} and the other for {$670.00} on XX/XX/XXXX for a company in Washington called XXXX XXXX XXXX XXXX. I have never lived in Washington nor have I ever had any kind of business loan. It brought my credit score down XXXX pts from good to fair.
Product: Credit reporting or other personal consumer reports

In XXXX i was made aware that i was a victim of identity theft, so i contacted the bureaus and followed their instructions. Most of the fraudulent items came off my credit report, however not all of them did.
Product: Credit reporting or other personal consumer reports

The company keep lying stating that they are unable to fully authenticate my identity however they have proof of id state an government as well as proof of residency per case XXXX XXXX XXXX XXXX XXXX  If my information is suppressed why continue to verify accuracy of bankruptcies to companies? Why has the information not been removed from the credit bureaus?
Product: Debt collection

I was only XXXX XXXX XXXX then and my name appeared as an occupant on the apartment lease. My father, XXXX XXXX, was the sole lease holder because I was too young to co-sign.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My name is XXXX XXXX, I am writing complaint to request immediate investigation on inaccurate items on my credit account. If inaccurate, they must be removed in order to show my true credit history as these items should not be on my Credit Report. According to the Fair Credit Reporting Act. I request you to reinvestigate this verification within 30 days. 
**Address report** _XXXX  XXXX XXXX XXXX , OH XXXX _XXXX  XXXX XXXX XXXX, OH XXXX _XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX _XXXX  XXXX XXXX XXXX XXXX, IN XXXX _XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, OH XXXX _XXXX XXXX XXXX XXXX XXXX, OH XXXX _XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX These addresses are inaccurate, I just have only true address which i enclosed its proof below. Please delete these incorrect address, **Credit Card** _XXXX XXXX XXXX  XXXX Reported : XX/XX/XXXX This account states i have late payments on XX/XX/XXXX, XX/XX/XXXX. This is inaccurate. Please update payment agree. 
**Account** _XXXX XXXX XXXX Inquiry : XX/XX/XXXX This account is not mine. Delete it!! 
_XXXX  XXXX XXXX Inquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION **Collection** _XXXX XXXX XXXX Reported : XX/XX/XXXX I never receipted any loans or credit from this company. 
**Collection** _XXXX XXXX XXXX Reported : XX/XX/XXXX do not have a financial obligations with THEM. Please delete this reference on all credit reports. 
_XXXX  XXXX XXXX XXXX Reported : XX/XX/XXXX This account is not mine, Delete it!!! 
_XXXX  XXXX XXXX XXXX Reported : XX/XX/XXXX This account is not mine, Delete it!!! 
_XXXX  XXXX XXXX XXXX Reported : XX/XX/XXXX I don't own this company any money and never receipted any credit from them. Provide me full document about this account.
Product: Mortgage

Approximately XX/XX/XXXX I refinanced my house with Nationstar. Original amount was approximately $ XXXX when I bought the house in XXXX. 

When I refinanced the property I was told that PMI would still apply, which I understood. The market I am in has gone up quite a bit and the house is now sitting above $ 170k. What I was told when I spoke with Mr. Cooper ( was sold off from Nationstar ) - was that even though I am at less than 80 % of the original XXXX amount, that the new original amount that I must have 80 % LTV is now the refinanced rate of XXXX approximately. I currently owe less than $ XXXX. I'm trying to figure out if I have recourse, to not have to pay from $ XXXX {$650.00} to get an appraisal for this property, when the value of the property when I refinanced it was clearly researched and they had to have a dollar value assessed other than the XXXX. I feel like this is a game they are playing to get money out of me, for wanting to utilize my right to remove the Mortgage insurance. 

I was told originally that they had findings that didn't require a paid appraisal. If that's the case, then my question is, what were the findings?
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit act. XXXX U.S.C XXXXi ( a ) ( XXXX ) ( A ), can you reinvestigate the completeness and accuracy of the list of accounts below. 

XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, online information # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX U.S.C XXXX section XXXX states I have the right to privacy XXXX U.S.C XXXX section XXXX A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX U.S.C XXXXB : A creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

XXXX U.S.C XXXX. ( a ) ( XXXX ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information other then records of convictions of crimes which antedates the report by more then XXXX years. 

XXXX U.S.C XXXX XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person has reasonable cause to believe the information is inaccurate.
Product: Credit card

Team I did purchase ticket using Points, i have to reschedule the tickets basis on the airlines time change, where Airlines agreed to issue refunds, since i booked through Third part portal they took some time to refund, in the meanwhile i closed my credit card, i never got back my points or cash, they delay is due to the Chase travel, which is part of chase. Chase unable to validate, stating they are third party. 
I had several call with Chase travel and Chase card unable to resolve.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 
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
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention a discrepancy in my credit report that requires correction. After a careful review of my credit report, I noticed that there are late payment entries for XXXX XXXX XXXX XXXX XXXX listed on my account. I would like to request your assistance in investigating and correcting this inaccurately reported information on my credit file.
Product: Credit reporting or other personal consumer reports

I sent all three credit bureaus XXXX, XXXX XXXX TransUnion numerous requests to reinvestigate inaccurate information pursuant to FCRA 15 USC 1681 et al. They have yet to provide me with a correct updated credit report. The items in question shows several inaccuracies related to an account by XXXXXXXX XXXX XXXX XXXX account # XXXX. 

The inaccuracies include the following Date of Last Activity is inaccurate XXXX date of last activity is reported as XX/XX/XXXX, XXXX date of last activity is reporting as XXXX { XXXX, and TransUnion is reporting the date of last activity as XXXX. This can be a sign of re-aging the account. 

Next, inaccuracies as it pertains to this account is the following : DATE REPORTED IS INACCURATE XXXX date reported is shown as XXXX, whereas TransUnion date reported is shown as XX/XX/XXXX, and XXXX date reported as shown as XX/XX/XXXX. 

Lastly, the LAST PAYMENT DATE lS INACCURATE, XXXX last payment date is reporting as XX/XX/XXXX, whereas XXXX last payment date is reporting as XXXX { XXXX, and TransUnion is reporting the last payment date as XX/XX/XXXX