23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have had beyond disrespectful, disgusting and disappointing customer service with Freedom Mortgage. 

I have had called over the last 10 months everyday numerous times to have a partial claim completed and uploaded so that I could refinance with XXXX which only got completed in XXXX due to filing complaints with CFPB. 

Im now not eligible to refinance with the company due to how long it took and credit now dropping. 

I believe that first Freedom owes us {$400.00} for the last now 10 months that we could of saved if we were able to close on our refinance with XXXX if Freedom did not drop the ball. 

Secondly, Freedom should be willing to overlook and overstep anything and everything that needs to be done to get us into a conventional loan if that means pay these small collections off then do it! 

I can not believe as a mother of XXXX XXXX XXXX twins the fact that I have had to call in so many times over 10 months and I still sit here now on hold with Freedom as a type with nothing being resolved is disgusting. 

They should have to show the CFPB all the notes from me calling in!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX incorrectly reported late payments when auto pay was set up but the system failed to make payments. 

Contacted XXXX, XXXX, TransUnion through disputes and the negative reporting was not corrected.
Product: Checking or savings account

On the XXXX of XXXX I filed a claim in relation to this security breach that may have involved my information being compromised. I spoke to Bank of America related to the issue and filed a claim on the said date. I wanted to be positive before going through with the claim so I cancelled the claim on the XXXX of XXXX. I made contact with Visa and after getting inconclusive information from Visa I then reached out to the Bank of America to refuel the claim. I was told a temporary credit would be applied to the account within 7-10 business days and it has been over that allots amount of time. I called yesterday on the XXXX of XXXX and a supervisor told me that she was going to escalate the claim to receive a temporary credit on the claim and I never received the credit. The call was recorded and I am requested that the agency look into the matter so that I can recover the credit promised to me.
Product: Checking or savings account

I went up to XXXX Bank XX/XX/2022 to pay off a XXXX loan and while there was talked into taking all my saving of XXXX and putting it in a C.D at XXXX XXXX intrest since my savings was only making XXXX XXXX ..i was told of no penalties or stipulations other than it was for 17 months.When i returned home i went on line and saw that XXXX 's were going at closer to XXXX XXXX and called them back to cancel my CD since it had been less than XXXX..I called the CD dept and was told it hadn't processed yet so to call the bank..i called the bank and was told it wasn't there dept and that if i close it i would be penalized 3.0 % on the XXXXeven though if i left it in it would only make XXXX XXXX ... this to me is nothing but loansharking... I called up U.S Bank investment bankers who I had spoken to before and he said he could get me a but better rate if i could get the funds back into my savings ... he said he would look into it but the later said that since its under XXXX his department couldn't help.I called customer service who said thats not the way they do buisness and she would have someone contact me... as of now a week later no one has. Again I was never told of these penalties, if i had been told they would changed me more to close it than i would make to keep it I would have passed ... Also i was told by their investment banker earlier last year that generally early withdraws loose 3 months of prior intrest... so to loose XXXX XXXX on a XXXX XXXX CD seems criminal.
Product: Student loan

On XX/XX/2024, I requested to recertify my IDR payment plan. It was approved in XX/XX/2024, However, during this time, I was placed on administrative forbearance. On XX/XX/2024, I called EdFinancial and inquired on why I was placed on forbearance. I asked to be removed on forbearance and be placed back on my original payment plan. They claimed that this is administrative forbearance and that interest will not accrue or capitalize during this period. But throughout XXXX and XXXX, I was charged about {$840.00} of interest. 

This should not have been the case, as I was not changing payment plans, merely recertifying my plan. I should not have been placed on forbearance nor incurred these charges.
Product: Credit reporting or other personal consumer reports

I have filed a dispute with the credit bureau agency Equifax on XX/XX/XXXX regarding a public record regarding a bankruptcy that is inaccurate and unverifiable On XX/XX/XXXX that my investigation was complete and the results were that it was verifiable and that it would remain on my credit report for another 5 years which has impacted my credit score very much and this is said to be verified through a third party Vendor known as XXXX XXXX this is stated in the documents from Equifax. However on XX/XX/1923 I received a couple letters from XXXX XXXX one stating that the disputed information on the public record on my file regarding this bankruptcy was investigated and came to the conclusion of it being unverifiable A second letter that I received on XX/XX/1923 stated that they would file a dispute on my behalf or had filed a dispute on my behalf with the credit agency Equifax however on XX/XX/XXXX Equifax came to the conclusion of my dispute and named the method of verification being XXXX XXXX. I had talked to a representative At the XXXX XXXX XXXX consumer number and was assured that this information was Removed from my file. I am beyond tired of these agencies reporting stuff that is not correct not verifiable not true and it having such an impact would like to do much more than just file this complaint.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion LLC for failing to properly investigate my disputes regarding inaccuracies involving my credit report. Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough and authentic investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnion LLC actions also may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5336 ( a ) ( 1 ) ( A ) - ( B ). I requested that CFPB take appropriate action to ensure TransUnion complies with the necessary proof of investigation. 

XXXXXXXX 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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX Balance : {$28000.00}, XXXX XXXX XXXXXXXX Balance : {$4400.00}
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
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 tak timely and effective measures to prevent anu + address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

Started a Cashapp account in XX/XX/XXXX. My debit card information was stolen by an unknown person. Whomever had stolen my info was using my card information to send themselves {$6400.00} in XXXX $ dollar increments over the span of 3-4 weeks ( starting XX/XX/XXXX to XX/XX/XXXX ). As this was ongoing I had never received any calls/emails/notifications from Cashapp to notify me of suspicious activity. Once I reached out to Cashapp to start a fraud investigation, I had to call several times in order for them to do this. Since the XXXX of XXXX, Cashapp has not responded or asked for additional information from me regarding the fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX my phone number is ( XXXX ) XXXX if you want to contact me concerning the validity of this complaint I'm sending again. On XX/XX/2022 I mailed XXXX XXXX XXXX XXXX an Affidavit of Legal Notice and Conditional Acceptance Upon Proof of Claim. The affidavit is evidence that may be used according to the Federal Rules of Evidence to enforce or prosecute a default by me in this matter. They have failed/refused to respond thus ending the alleged agreement and giving me evidence that they did not follow GAAP. XXXX XXXX XXXX XXXX is and have been concealing material facts. I have been more than patience with XXXX XXXX XXXX XXXX. I have a right to dispute directly with the alleged creditor and they have a duty to respond to my correspondence which they have continuously failed to due. How this is allowed to remain on my credit report is far beyond disbelief. Fraud has been committed when a false statement is made with the maker having knowledge that the statement would be relied upon with the intention that the other party will believe it and act upon it and the party having justifiable reliance on the truth of the statement incurs a damage. I have incurred a damage and humbly demand to be made whole. I am uploading my evidence and demand that XXXX XXXX XXXX XXXX produce evidence that they responded to my inquiry or delete the falsely reported account immediately. XXXX is equity and where there is equal equity, the law shall prevail. Thank you for immediate attention to this matter..D.Y.
Product: Checking or savings account

On the XXXX of XXXX, I found myself in a distressing situation when Credit Karma abruptly closed my account. Their reason? Allegedly, they had sent an email back in XXXX requesting account verification. However, I can say with certainty that I never received such an email. This closure came at an incredibly inconvenient time for me, as I had just completed filing my taxes using XXXX. To expedite the process, I had opted for the refund advance program offered through Credit Karma, which allowed me to receive {$2500.00} in advance against my anticipated {$16000.00} tax refund. 

It was a relief to have access to these funds, especially as a single mother responsible for XXXX children. Our financial stability heavily depends on the timely receipt of my tax refund, particularly at the beginning of the year. However, the sudden closure of my Credit Karma account has thrown my entire tax return into limbo, leaving me in a state of uncertainty and anxiety. 

Adding to my concerns is the fact that I recently relocated from Maryland to Florida. The move itself was already a significant transition, but now facing financial uncertainties amplifies my worries further. The decision to utilize the advance program was made to alleviate financial strain, not to endure additional stress and uncertainty. 

What's most frustrating is Credit Karma 's apparent lack of accountability and unwillingness to rectify the situation. Despite my attempts to seek clarification and resolution, they have been unresponsive and even disconnected calls while I was trying to address their unjust and unethical actions. 

As a responsible and hardworking individual, I find it deeply distressing that a company would toy with my livelihood in such a callous manner. I hope that Credit Karma will recognize the impact of their actions and take steps to rectify this situation promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, TransUnion, and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX : {$15000.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$420.00} ; XXXX XXXX XXXX Balance XXXX {$570.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$22000.00} ; XXXX XXXX  XXXX Balance : {$1500.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX CARD XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$780.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX PL XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit card or prepaid card

XXXX charged me twice for the same booking, once on XXXX on my XXXX card ( which I authorized ) and once on XXXX on my Discover card ( which I did not authorize ). The XXXX billing is handled through XXXX. XXXX only had my Discover card number from authorized charges several years priors. XXXX has been unable to credit the double-billed amount although they do not dispute that a credit is owed. They suggested that I contact Discover to get the credit, since I did not authorize the charge to Discover. Seems reasonable. 

I have been on 7 different phone calls with Discover, including the last one to XXXX in their XXXX XXXX XXXX group. The first person at Discover to whom I spoke instructed me to get the documentation from XXXX to show the duplicate charge. I have done that ( see attached ). I uploaded it to the Discover system that I was directed to use for this. Discover confirmed they have the documents. Still, they refuse to issue the credit. This is an unethical business practice. 

After spending several hours on the phone with various Discover reps, supervisors, managers, and two " advocates '', I got nowhere. So I emailed to the CEO of Discover and the EVP of Discover. Neither of them has responded to me. I can see that they received my emails because they are apparently delegating my emails to their XXXX XXXX XXXX group. But that is the group who is refusing to provide the credit I am owed. They also refuse to contact the merchant to confirm the facts. 

Here are the dates and people with whom I spoke. None would provide their last name : XX/XX/XXXX XXXX in Utah XX/XX/XXXX XXXX in Ohio XX/XX/XXXX XXXX in Ohio XX/XX/XXXX XXXX ( XXXX XXXX XXXX in Delaware ) XXXX XXXX XXXX XXXX XXXX XXXX in Delaware ) I sent emails that went unanswered to : XXXX XXXX, Discover XXXX - XXXX XXXX XXXX, Discover XXXX XXXX - XXXX XXXX
Product: Credit card or prepaid card

On XXXX XXXX, 2021, a fraudulent transaction was made with my credit card in the amount of {$2100.00} in XXXX XXXX. I reported it to the issuing bank as soon as I saw it on my statement. But after repeated calls and explanations they will not accept that the transaction was fraudulent. I made a legitimate transaction at a store in XXXX XXXX for {$61.00}, but while they had my credit card in their possession they processed a second transaction for {$2100.00} that was fraudulent. Since both transactions were made with a chip reading device my credit card bank believes that and only that proves the transaction was not fraudulent. I have asked to see a receipt I would have signed for the {$2100.00} purchase and to know what the charge was for, but the bank can not provide that. The inability of the bank to produce a signed receipt for a transaction of this size should be enough to substantiate the fraud. Here we are 6 months later and that fraudulent transaction is still on my account.
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 ). Specially, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving account my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and seek appropriate redress for these violations
Product: Checking or savings account

This is a follow-up complaint, which was closed by the CFPB after TD Bank 's response. However, in the response, TD Bank provided invalid reasons, citing a condition that did not exist at the time that I opened my account. The stated condition also did not present in the conditions for the eligibility for preferred rate at 2.5 percent, which was attached to TB Bank 's response to my previous complaint ( # XXXX XXXX. 

This simply shows that TD Bank does not care about adhering to the best standards and continues to deny its wrongdoing. 

If TD Bank can not point to the stated condition mentioned in the response in the letter in its attached conditions of the account, it should make a compensation for what I asked for.
Product: Debt collection

I ended service with XXXX, They claim I did not return the equipment, the equipment was returned to their store in 2023. 

I received a claim from their collection agency MRSBPO for {$270.00} I went to the store at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, the store employee told me to communicate I had returned the equipment to Corporate. 

I went to the online corporate chat, and they inquired about the history, the moving between addresses and maintaining equipment and return. They said that the scenario may have caused some internal confusion between their systems and they would get back to me within 72 hours about the missing equipment not showing marked as returned in their system. They have not responded. 

During the dispute with XXXX  - I also filed a dispute on my credit report with MRS BPO - MRS BPO filed and supposedly confirmed this as an accurate debt with both XXXX and the reporting agencies in an almost instant manner- this was completed before XXXX has ever gotten back to me or verified the debt- this would seem to be impossible as they almost " instantly '' verified the wrongfully claimed debt - seemingly not going through any verification or communication with the original creditor as the original creditor is claiming their system may have been messed up ... - not sure how they can say it is " VERIFIED '' when it is " UNDER REVIEW '' and stated as such to me by the original creditor.