23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have told these companies that I have no knowledge of these loans and they keep calling me. I have asked several times to calling and to remove these items and they still havent sent any proof. I called on XXXX XXXX XXXX
Product: Student loan

From the beginning of paying my student loans I have been on the automatic payment plan. I dont have any difficulties paying my account. 

Around XX/XX/2020 I noticed after looking back my accounts that my student loan hadnt been taken out. When I went to go check my Navient account I realized I had been put in forebearance. No payment had been taken from my account since XXXX. 

I had never requested forebearance nor did I need it. Now that I am looking to buy my first home I found out my credit score went from over 700 to below 680 because the non payment that i had never requested affected my score. 

This is unscrupulous. I also found out that interest is still charged. This should not be allowed and this should be corrected.
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 practice, which violate the Consumer Financial Protection Act 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 nd financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

SOUTHWEST RECOVERY SERV is the collection company that has reported a bad debt on my credit report.i have contacted them and requested a copy of the contract that was signed to prove i have signed for this. I feel like i have been a victim. they will not provide a copy of the agreement and told me to file a dispute with the bureaus. i filed a dispute and XXXX has requested for me to provide proof it doesnt belong to me or resolve the problem with Southwest Recovery. I tried to file a police report as well and the police department told me to file a dispute with the credit bureau. now you can see i'm getting the run around. What is my recourse?
Product: Checking or savings account

Bank advertised the account as earning 2.15% Annual Percentage Yield for Balances of $XXXX or more and then changed it with no notice to 1.90% APY. This was false advertising and deceptive practices.
Product: Debt collection

MONTEREY FINANCIAL SERVICE XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX They got me joined with a woman called XXXX XXXX i didn't signed nor aproved to be joined in her debt. I'm single, not married, not with her don't aproved to be in this debt its not mine and im not supposed to be part.
Product: Checking or savings account

I had about XXXX dollars in unauthorized charges posted on my account XX/XX/20. I called the bank as soon as I noticed the unauthorized charges and was placed on hold for over an hour.Once I reached someone I was told to go into the branch on Monday. I went into the branch and wasted another hour only to be told the charges hadn't posted. I was told to call the next day and I could file a claim by phone. In the meantime one of my accounts are overdrawn due to the fraudulent activity and I had no access to my other funds because I had to cancel my debit card. Then I was treated like a criminal cause I asked for XXXX dollars of cash that is rightfully mine. I called the next day on XXXX and was placed on hold again for over an hour only to be told it would take them 10 days to fix my account. In the meantime my paycheck will post in 5 to 6 days to be entrapped in the chaos that regions refuses to resolve. My card has been in my possession so who is to say the thief is not regions from their lack of concern.
Product: Credit reporting or other personal consumer reports

This is about the inaccuracy this is inequitably furnished by your organization on my consumer report. You company is continuing to furnish this inaccurate account on my report. It is not assuring maximum possible accuracy. I have disputed this account several times with your company and you are continuing to furnish this inaccurate account. You are in violation of many of my FCRA rights. I demand that you delete this account from consumer report as you have been notified many times that this account is inaccurate and have not conducted a reasonable reinvestigation to assure this account is reporting accurate. You have caused severe damage to my reputation and borrowing power as a consumer. I will be taking LEGAL ACTION as Trransunion has violated several of my consumer rights.
Product: Debt collection

On XX/XX/2023 I checked my credit report and found Absolute resolutions on my credit report collected for XXXX. This debt has been disputed in the past and they continue to post on my credit report
Product: Credit card or prepaid card

I have a Capital One XXXX XXXX XXXX. I filled out forms and submitted 2 invoices to Capital One regarding 2 payments made to XXXX XXXX of XXXX, TX I disputed the charges because they came and misdiagnosed my failing refrigerator on XX/XX/2021. When the parts I paid for in advance {$200.00} came in, XXXX XXXX sent same repairman to my install and fix leaking water and warming refrigerator. I paid {$200.00} upon installation of parts and completion of repair on Friday afternoon, XX/XX/2021. But by late evening the refrigerator was still warm and not cooling. XXXX XXXX doesnt work on the weekend, so same repairman came on Monday XX/XX/2021. He recommended 2nd repair of a new Control Board for {$440.00}. I refused. Since then, Capital One has decided that I must pay {$400.00} for the failed repair. The Supervisor of dispute department said on a recorded line that a 2nd opinion of the necessary repairs was needed to complete their information request and furthermore stated these are the MasterCard, Visa guidelines. After 12 days without a working refrigerator, I bought one at XXXX on XX/XX/2021. I did not know I needed to keep my old refrigerator for a possible second repair opinion. NO WHERE in my documents from Capital One is there any mention of repair disputes or need of 2nd opinion. I feel Capital One is siding with merchant and not helping me at all.
Product: Debt collection

Received a collection notice form a company called Muicipal Collections of America They did not include any back up for the debt collection. The debt collector cites a ticket in forrest XXXX XXXX. on XX/XX/XXXX. We live in XXXX and were no in XXXX on the date referenced.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting incorrectly to Transunion a collection in the amount of {$7500.00} on the XXXX - partial account number XXXX. ( Please see page 3 of the attached credit report. ) The open date of this account reports XX/XX/XXXX however there is no date of last activity reporting. The actual date of the last activity was in XXXX and this line item is being reported illegally to collections because the statute of limitations has expired. In Texas, the statute of limitations is ( 4 ) years. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this, however I have not been successful.
Product: Debt collection

On XX/XX/XXXX, American Express sent me an email stating my payment had not arrived. I never set up for such email alerts. My payment is due on the XX/XX/XXXX and was not late. I called on XX/XX/XXXX to inquire about my payment and it was received XX/XX/XXXX. So not only was my payment received before the email was sent out, it also was not late. I requested that the email alerts be removed and he said I had to do it online. I'm on vacation and don't have time for that. So not only did I have to take time out of my vacation to call them to inquire on a payment that was received now I need to remove myself from such alerts that I never signed up for. I want American Express to stop emailing me and remove me from any email alerts they send to my email. My payment is always made on time.
Product: Checking or savings account

They continue to freeze items as fraud then texting me at XXXX XXXX to confirm its mine, which i'm obviously asleep and not responding during their time frame. I thought under the TCF you can't contact consumers at XXXX XXXX  in the morning. They've also frozen wires and stated they've tried to contact me, which they didn't in any form. So as retaliation the next freeze resulted in the XXXX XXXX text message.
Product: Credit card

I opened a PayPal credit account in XXXX of 2024. I attempted to make 3 purchases on XX/XX/XXXX from 2 merchants. I had enough credit for these purchases. None of the purchases processed from the 2 different merchants. I called PayPal credit customer service twice and was advised by both reps that the charges would fall off within 2 days if they were not infact processed. This did not happen. I called again after 4 days and the charges were still pending. I called PayPal customer service again and was told this time it would be 7 days before the pending charges fell off. It's now been over 7 days and the charges have not fell off. I called customer service and requested a supervisor and sat on eternal hold. I can not screenshot the activity screen as PayPal does not allow screenshots on the site.
Product: Credit card or prepaid card

In XXXX Citbank closed two of my secure cards I have yet to receive my secure deposit back after they told me I would in no more than twenty four days.. they are now charging fees and money to accounts that they closed not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute several accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX Balance : {$33000.00}, XXXX XXXX XXXX Balance : {$1700.00}, XXXX  XXXX  XXXX Balance : {$5300.00}, XXXX XXXX XXXX Balance : {$6000.00}
Product: Payday loan, title loan, or personal loan

I was working two jobs when I took out this loan to make ends meet and now I am down a job and am struggling to pay this loan back.
Product: Credit card or prepaid card

Us bank calls me every day on my credit card. My payment will be one month late and each time I talk with them I told them I was going to pay a large amount at once due to my house being sold. They hoards me sometimes calling two and sometimes 3 times a day. This is total harassment. I've told them I had a XXXX XXXX and had to change jobs it's XXXX XXXX XXXX. I want them off my back I reccomend nobody uses bank credit cards or morthage. They are not people friendly
Product: Debt collection

I have received several calls ( Assume it is Ace Cash Express ) XXXX ) that the Attorney General has requested the State Police to Arrest me for an uncollectable debt. That within XXXX hours they will pick me up.
Product: Credit card or prepaid card

The annual fee of {$140.00} hit on my account on XX/XX/21, I tried to call them to close the account to avoid the fee the same day, and they closed the account but refused to refund the annual fee.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED were never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and fix them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to formally dispute the inaccurate information on my credit report due to Identity Theft. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. I request the immediate removal or correction of the following accounts and/or information from my credit report
Product: Vehicle loan or lease

In accordance with the fair credit reporting act XXXX  account # XXXX has violate my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

My realtor got in contact with XXXX XXXX XXXX to let her know I needed my credit score checked by XX/XX/2020 to prevent the hard check from lowering my score and instead have it be added to all the other credit checks I've ran to qualify for a mortgage. I submitted my application on XX/XX/2020 at XXXX XXXX and called Mrs. XXXX at XXXX. She immediately told me my score would be lowered regardless of when it was ran and also that she never received my application or even knew who I was. She was very rude and unwilling to explain anything to me. Her attitude was unnecessary and she made it seem like I was bothering her. I don't understand why she was not interested in hearing from a potential client. But I would like to report her.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, allegedly systemic issues such as failure to forward consumer-provider evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed accounts, as Equifaxs inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

See the attached support screen shots from XXXX and from myEquifax dashboards as well as previous complaint XXXX and my feedback which was done within the due date. 
I also spoke with equifax directly today to dispute because they were still report the XXXX account as XXXX with a {$0.00} XXXX in collections. It is CLOSED,!!!! I have an additional XXXX XXXX account in good standing not in collections either -do not confuse the XXXX
Product: Student loan

Before moving to XXXX, I had faxed several deferment and the agency kept claiming not to receive. Finally after they received my deferment paper, they said she sent me the wrong paperwork. Wanted me to download the new paperwork & fax it to them or they were putting my loan in default. I explained to them that I was stranded on the side of the highway with my granddaughters. I was told that if I didn't redo that paperwork that day, XXXX XXXX, my loan would be defaulted which they did. I asked how can I be blamed for your employees mistake when I called after arriving in XXXX. Was informed that it was too late the defaulted my loans. Messed up my credit and haven't been able to file taxes. This default has caused me much hardship and big businesses are getting way with it. I still have the faxes that I sent proving that I did my paperwork on time, they just didn't give me the right paperwork.
Product: Credit card

On XX/XX/2023, I had an unauthorized transaction posted to my Bank of America account, I immediately called the bank and the merchant- XXXX. The merchant told me that there is nothing they can do, that my account was compromised and advised me to contact my bank, and I did. I called my bank to dispute this transaction as fraud. They temporarily credited my account and began an investigation. I explained to them that I did not make this transaction and that this is not first that I have had a fraudulent transaction with this Merchant since the Merchant already had my credit card information saved under my account and as they advised me my account was compromised. As per the Merchant the purchase was shipped to an address unknown to me, it is not my address and never was my address but it was under my name. Again, I did not make this purchase and I do not know what this address is. My provided me with a recent letter stating that after their investigation they confirmed that the merchandise purchased ( that I was disputing ) was provided to an address listed on my account. This is not true because I was able to get the address where it was shipped to when I contacted XXXX and like I said before, this is not my address and this address is in no way connected to me. Therefore, they put the fraudulent credit back on my account. I called the bank back and provided them with the invoice from the Merchant showing that the address was not my address or any address listed on my bank account, and had them reopen the investigation but the outcome is the same, that they are not crediting this fraudulent transaction. I even contacted the shipping company, XXXX, with the shipping information that the merchant provided me and requested that they hold the package but the package was already on the way to be delivered to the address that was on the purchase, which again is not my address and this was not a purchase that I made or authorized. 

I feel that the Bank did not protect my interests as a customer and I should not be liable for these charges since they are fraudulent. They did not conduct a proper investigation, because if they contacted the merchant they would see that the address was never previously on my account on the merchant 's website nor on my bank account.
Product: Checking or savings account

My card was taken XX/XX/XXXX and I reported this. On XX/XX/XXXX {$500.00} was taken my that card and I reported a dispute on that on XX/XX/XXXX. Cash App refuses to return the money and I have reported it several more times. I also declined a request for {$80.00} on XX/XX/XXXX and they refuse to release the money. I still have not received the money and have made several attempts without success.
Product: Mortgage

We never receive notice that our Escrow was short and we never receive refund checks. They hold our money all the time. When i make payments and Im short they put them in unapplied funds which is fine but they use the unapplied funds to pay for late fees or corporate advances instead of moving the money into paid. So bc they take the money out for late fees I can never catch up on my payments and im constantly having late fees. I feel like im sending them money all the time but i am never paid up. 

They started a foreclosure in early XXXX when they said we were 120 days late. We were not 120 days late, I send 2 payments in the mail bc they have it blocked so i cant pay on the website. Those two payments were held and not credited so they could start the foreclosure proceedings now those payments have disappeared. Mortgage company says they returned it, bank says they cashed it. We are now in forbearance and have to pay all these lawyers fees which i wouldnt have to pay if they would of put the unapplied payments where they were suppose to go when i paid them. 

XXXX XXXX & XXXX mortgage statements Escrow XXXX then it drops to XXXX i dont see where the money went XXXX XX/XX/2021 when i made a payment and they put it in unapplied funds and i told them to move it over and it wasnt shown as being moved on my XXXX statement as paid. they can move money out of my escrow to pay other things but not to cover what im short. since they didnt send me my escrow refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

NEW INFORMATION - XXXX XXXX XXXX, XX/XX/XXXX - {$81.00}, XX/XX/XXXX - {$81.00},XX/XX/XXXX - {$81.00}, XX/XX/XXXX - XXXX. 

This information has not been submitted, and shows a Payment Plan in place between XXXX XXXX XXXX and XXXX XXXX XXXX!