23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/21 my bank contacted me about possible fraudulent activity on my prepaid XXXX debit card. I immediately same day called them and they told me {$280.00} was the amount and would issue a temporary credit of that amount ( which they did ). However, after hanging up I checked into my account and noticed there were hundreds of fraud amounts they did not account for. Actually over {$1000.00} more. I called back on XX/XX/21 and spoke to a few different people with Supervisor named XXXX being the last one. She advised me that I was correct and they would be issuing that amount to me within 90 days which I thought was abnormally long as why they were able to credit my account the first time within 3 day or so. I waited and just called again on XX/XX/21 and spoke to XXXX and was told they were still investigating and they still had until XX/XX/XXXX to complete. I just called again today XX/XX/21 just to check the status and now am being told it hasn't even been entered and that they have 90 days from THAT time which they couldn't even tell me when that " start '' date would happen! I need some kind of clarification as to WHEN I can expect my money. This was money I was needing to live off of while being XXXX. I tried to not even use that card for a few months but have now been needing to. I have used up most other resources and would really like this to have some kind of resolution not just a wait and wait until they get to it??
Product: Debt collection

I am writing to formally file a complaint against Lockhart Morris & Mongomery for their improper handling of a payment coupon I submitted, which included a restrictive endorsement. I believe their actions have violated my rights and disrupted the proper application of my payment toward an outstanding debt. 

-Payment Coupon Details : The payment coupon I submitted contained a restrictive endorsement, which stated it should be treated as a bearer instrument and applied accordingly. This coupon was destroyed by the debt collector and the terms of the restrictive endorsement were disregarded. 

Summary of Complaint : - The restrictive endorsement on the payment coupon included specific instructions on how the payment should be applied to my principle balance with them. 
- Upon receiving confirmation of receipt of the payment, I learned that the debt collector had destroyed or failed to apply the payment according to the terms outlined in the endorsement. 
- I have contacted the debt collector to resolve this issue, but they have not acknowledged their improper actions or provided a satisfactory resolution. 

# # # Requested Action : - **Immediate investigation** into the handling of my payment by [ Debt Collectors Name ].

- **Written confirmation** from [ Debt Collectors Name ] that the payment will be applied according to the terms of the restrictive endorsement, and that any destruction of the payment coupon will not affect my account. 
- **Assurance** that similar actions will not occur in the future, and that any damages caused by the mishandling of this payment will be corrected.

I believe [ Debt Collectors Name ] has violated my rights under [ applicable law, such as the **Fair Debt Collection Practices Act ( FDCPA ) **, if relevant ] by failing to properly apply my payment and destroying a legally valid payment coupon. I am requesting your offices assistance in resolving this matter.

Legal Violations by the Debt Collector : XXXX. Failure to honor a restrictive endorsement under the UCC, which legally bound them to follow the terms on the payment coupon. 

XXXX. Unfair or deceptive debt collection practices** under the FDCPA and potentially the CFPA if the destruction of the coupon was an attempt to mislead or deny your payment. 

XXXX. Breach of contract if the debt collectors handling of the payment violates the terms of the agreement or your submitted payment terms. 

XXXX. State law violations if your state has additional protections against improper handling of negotiable instruments or unfair debt collection practices.
Product: Money transfer, virtual currency, or money service

I am filling 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 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 transaction Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience an financial loss, and I seek appropriate redress for the violations.
Product: Debt collection

I recently got a copy of my credit report and noticed this debt on my credit report.
Product: Student loan

Chronology of Events : - In XX/XX/XXXX, I applied and was approved for the income-driven repayment program, REPAYE, which commenced on XX/XX/XXXX, with an agreed monthly payment of approximately {$360.00}. 
- In XX/XX/XXXX, the REPAYE plan transitioned to the SAVE plan, under which my payments continued smoothly. 
- Without any request or justifiable cause from my end, in XX/XX/XXXX, I discovered that my loan had been erroneously switched from the SAVE plan to the LEVEL plan by MOHELA, resulting in a disproportionate monthly charge of {$1900.00}. I had not requested to be taken off the SAVE plan, nothing about my situation had changed that would have warranted being taken off the SAVE plan, and it had only been a few months since being on it ( not the 12 months that might have caused a change in plan ). 
- Upon raising this issue with MOHELA 's customer service representatives ( on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), I was informed of the mistake and promised correction. My account was temporarily placed on processing forbearance while awaiting re-enrollment in the SAVE plan. It was affirmed that the forbearance period would count towards my PSLF eligibility. 
- Despite these assurances, in XX/XX/XXXX, I was again charged {$1900.00}. A refund request made in XXXX was inexplicably canceled ; a subsequent request in XX/XX/XXXX remains unresolved. 
- On XX/XX/XXXX, confirmation was received from a MOHELA representative that there was no basis for the initial switch from the SAVE to LEVEL plan in XX/XX/XXXX, acknowledging the error. SAVE payments are set to resume in XX/XX/XXXX, five months after improperly being taken off SAVE.

Key Issues : - Erroneous Plan Switch : I was unjustly removed from the SAVE plan, resulting in a more than fivefold increase in my monthly payments.

- Impact on PSLF Eligibility : The undue forbearance period from XXXX to XX/XX/XXXX, due to MOHELA 's delay in reinstating the SAVE plan, jeopardizes my PSLF payment count. I propose to rectify this by making retroactive payments under the SAVE plan for the affected months. 
- Customer Service Failures : Addressing this situation has consumed an inordinate amount of my time, aggravated by lengthy wait times, inadequate information from customer service representatives, and impractical callback practices from supervisors. 
Requested Resolution : This complaint is submitted in the hope of receiving a prompt and fair resolution to the issues outlined. I trust that the Consumer Financial Protection Bureau will assist in rectifying these errors and ensuring that such discrepancies do not recur, affecting borrowers ' financial well-being and their trust in the loan servicing process.
Product: Credit reporting or other personal consumer reports

*1 am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Order granting Motion For Leave to Proceed in XXXX XXXX on XXXX XXXX XXXX, as shown on XXXX XXXX  Copy Included, for XXXX XXXX complaint in process record, as well as Equifax complaint record. Full Case Number is : XXXX, as shown on XXXX XXXX Copy attached.
Product: Credit reporting or other personal consumer reports

XXXX keeps reselling my debt to third party agencies. I disputed this collections account and it fell off my credit report months ago, but has now reappeared again. They sold it to XXXX XXXX OF THE.
Product: Credit reporting, credit repair services, or other personal consumer reports

just applied for first time home loan with my credit union and it pulled up accounts that were closed! I just checked XXXX, XXXX, XXXX and these two accounts are not on my credit reports. The companies are XXXX and Nordstrom credit cards. I can not give dates due to them not being on my 3 credit reports or amounts. I need them removed immediately. I don't understand why they showed up on my bank.
Product: Debt collection

I have Medical Insurance this is from a Car Accident I communicated with hospital that they needed to charge my Insurance first XXXX Car Insurance 2 nd I done so many times never had gotten a notice of this going into Colection
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an initial letter on XXXX this year and sent a follow up email last XXXX but received no response from Experian and XXXX. I have sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure and negligence to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted punctually. I urge these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. 

They are in violation of Fair Debt Collection Practices Act because they did not prove validity of the debts, they failed to provide evidence to support ownership of the debt, they did not furnish the paperwork required to show 100 % proof that I own the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a re-investigation of my credit profile, on around XX/XX/2022, and some items were removed, and some items remain. I requested the the credit reporting agencies remove certain items as they don't have permission to report. Pursuant FCRA.
Product: Debt collection

I disputed this account several times due to non ownership. Account was sent to a collection agency. Agency stated they did not own account that XXXX  did. XXXX stated they do not own account. I am playing cat and mouse with XXXX and their debt collectors. It is becoming an issue for me to handle this account that is negatively effecting my credit score and stopping me from obtaining any credit.
Product: Credit card

So, my information was being sold over to collection companies without my consent and when I contacted the companies they said that anything that I have to say about my account had to get spoken with to those collection companies. They sold over my information without my consent. This happened with XXXX XXXX XXXX Discover Bank, XXXX. These accounts were closed off and they were happened to another collection company without my knowledge
Product: Money transfer, virtual currency, or money service

Please refer to prior Case Submission XXXX. I received from XXXX XXXX Office of the President of 5th Third Bank and have contacted and left several messages on her office phone XXXX to address such issues. I was paid monies that were owed to me I believe on stolen bank accounts that was addressed in my prior correspondences. I indicated that aka XXXX XXXX is the individual who had the contacts at your bank to put a bank account onto my XXXX Credit card and paid monies from that bank account onto my XXXX CARD to pay down my credit card bill that monies were owed to me for services rendered on a marketing campaign. I was not involved in knowing who the parties were etc only that monies were paid out for services and payment was supposed to be paid back to me via my credit card. XXXX XXXX acted in concert with XXXX XXXX who has a XXXX XXXX fraud case with the CFTC and monies were probably used to pay his legal bills. The only accounts that I knew what was entered into XXXX as a transaction number. This was a well fueled scam that both defrauded the banking system in addition to myself. Mr. XXXX deals with cryptocurrency and he used his knowledge in the banking world to perpetrate this heinous crime. 

I called several times to go over this with Ms. XXXX and as of today still has not returned any phone calls ... The number of gave her was my cell phone XXXX or one of my office lines XXXX. 

Since the bank security was violated I would not be out my monies if they were not able to violate the bank information that recycled this scam. If the public was to understand this type of crime that the banks are allowing insiders to gain access to individuals accounts this would ruin the banking system .... I want the monies that were rightfully owed to me and for the banks to police their internal policies better to protect people like myself
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX Date Opened : XX/XX/2005 Balance : {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting unauthorized hard inquires on my credit report that I do not recognize. 
CAPITAL ONE BANK USA XX/XX/XXXX CAPITAL ONE BANK USA XX/XX/XXXX CAPITAL ONE BANK USA XX/XX/XXXX
Product: Debt collection

My last few complaints were marked as duplicate. The company failed to answer, they then requested more time and now its been marked as a duplicate complaint. I have yet to get answers as to why Resurgent Capital/LVNV Continued to try and collect on a debt from XXXX and XXXX that was not my debt as I was the victim of identity theft. The XXXX card that they have continued to try and collect on up until this past XX/XX/XXXX was also the very same card that they got a default judgment on in XXXX. This has since been pulled out of the courts in my favor due to identity theft. The amount Resurgent is trying to collect on the very same card is a higher amount. How does one collect on a card that was never mine and then the courts removed it yet you ruined my credit over this card and a XXXX card. And why would you still be trying to collect on these cards when you know very well that these were part of my identity theft? Also the state of California has a statute that you should read up on. Had Resurgent /LVNV done the correct thing my credit would not be a mess today but they refused to report this as an identity theft and continued to try and collect on cards that were not mine and were 20 years old. I would like some answers. I also want to know why it took Resurgent up until this past XXXX XXXX XXXX ) for them to realize a credit card from XXXX and XXXX were fraudulent cards?? I believe that I had been telling them this. Or why were they trying to collect on a card that was kicked out of the court when a default judgment was granted and then removed?? and why is the amount different and much higher than what the courts had down. I mean come on that is quite a few years they have been trying to collect money from me ... on cards that are not mine.They also reported me incorrectly for many, many years which had a profound effect on my credit they ruined it.. I would like them to go back in and fix the mess they created with all three credit reporting bureaus.
Product: Student loan

In your last intervention you respond : " Loan forgiveness and discharge may also be available for borrowers and families in the event of disability, loss of life, and certain other circumstances. '' I have XXXX and I'm interesting in discharge option. What kind of documentation you need to proof this information?
Product: Credit card or prepaid card

Hello, Discover Credit Card closed my account on XX/XX/XXXX. I have been a loyal customer with them since XX/XX/XXXX. 8 YEARS of loyalty. I called the morning of XX/XX/XXXX asking if there was any way to re-open my account since it had not even been 24 hours since they had closed the account. They advised me there was nothing they could do. Told me I could re-apply and I replied back asking how that was going to help me. It is pretty disheartening that a company would treat their loyal customers like this. From forums I have read online, people have been successful re-opening their accounts with Discover. I am hoping that Discover will reconsider and allow me to reinstate my account. 

Thank you.
Product: Credit reporting or other personal consumer reports

To whom this may concern, This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information, and every step must be taken to assure the information reported is completely accurate and correct. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. 

The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. 
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation.
Product: Credit reporting or other personal consumer reports

The XXXX  card on my account is charged off & written off. Experian will not remove it off of my report. I also didn't receive a 1099 that it was written off but still reporting as a valid debt
Product: Credit reporting or other personal consumer reports

This is my numerous request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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: Credit reporting or other personal consumer reports

I Currently have some Fruad accounts and inquiries on my credit report.
Product: Debt collection

XXXX XXXX {$1800.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXX period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC with inquiries I didn't authorize or recognize please delete
Product: Debt collection

In XXXX of 2014 I was seeing a XXXX in XXXX XXXX, DE for XXXX  XXXX XXXX. After several weeks of treatment the XXXX   sent me to get an XXXX done at XXXX XXXX XXXX  XXXX XXXX in XXXX, DE. The results showed that I had XXXX XXXX at three areas on my XXXX. I continued treatment at the XXXX. I am now on a wellness plan with a different XXXX  4 years later and attend monthly appointments unless there is a flare-up in which case I attend more weekly. 

I was billed {$2000.00} for this XXXX but was not aware that is was on my credit report. I had health insurance at the time with XXXX and since my XXXX  sent me with a referral I do not believe I should have to pay the full amount for the XXXX. 
It is detrimental to my credit report, but I was unaware. I believe since I moved around a lot the bills were not being sent to my correct address and so I did not fight it back in 2014.
Product: Payday loan

I had a pending payment due on XX/XX/2016 of this month. When I learned my deposit was not coming in until the XX/XX/XXXX, I sent the company an e-mail and this is what XXXX responded : " If it is going to return back then we will need to decline your new loan request. We will notate your account and your other loan is still scheduled for the XX/XX/XXXX. '' I had a pending loan that I had tried taking out so I could have money for the holiday. This is my response : I just got the decline notice. That 's fine. I can try again after it clears on the XX/XX/XXXX. I just want to get a little extra before the holiday since I have no groceries. 

That being said, I was under the understanding that the payment would be taken out on the XX/XX/XXXX, not the XX/XX/XXXX. However when I checked my account on the XX/XX/XXXX, I found that I was overdrawn. The payment attempted to go through which resulted in a slew of overdraft fees, the cancellation of my online payments to the gas company and a state of financial dire straits until the deposit came in. Unfortunately, the majority of my planned deposit was taken by overdraft charges. I incurred about {$200.00} in overdraft fees because of this incident. 

Then, out of this last paycheck XX/XX/XXXX, XXXX payments were taken out from this company because of the returned payment which I had tried to avoid leaving me with precious little in my bank account to pay my rent, pay my utilities, get groceries, and other bills.