23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

This is a complaint I submitted about a year ago but I no longer see it listed here. Federal loans that were taken out in XX/XX/XXXX and XX/XX/XXXX were consolidated under the new student loan programs started by President Obama. FedLoan student loan servicing has incorrect information about these loans and it is negatively effecting my ability to apply for lower month repayment plans. These consolidated loans show up as having been borrowed, gone into repayment, had the first bill due and defaulted all on the same date in XX/XX/XXXX. I was not a student in XX/XX/XXXX so no loans were borrowed in XX/XX/XXXX. A loan would not go into repayment on the same date that the first bill was due. Loans do not go into default until 290 days after no payment has been received from the first due date. So none of this adds up. I have tried numerous times to use logic when working with someone at FedLoan over the phone. I have not accused an individual of doing anything wrong, clearly this is a computer error, all I 'm asking is that someone agree that it does look fishy and then look into what may have happened. As of right now, because of the status of those consolidated loans, my monthly payment is XXXX times more than what I make in a month. I clearly can not make those payments. I need some assistance getting FedLoan to review those loans and see that they are miss-marked. I have worked with CFPB on some other loans that XXXX temporary lost and the outcome was good. Though, when those loans were transferred into the hands of FedLoan servicing, the person on the phone said that there was no such agency as the CFPB and that there is nothing called the OMBUDSMAN group. I pointed out that both these entities existed and that they were government agencies which is why they have .gov URLs, to which the person replied that anyone can get a .gov address. Clearly we are not working with the best and the brightest here.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution procer 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: Debt collection

This collection company is continuing their collection activity on this account on my credit report. I feel they did not validate this account or debt per my request that I sent them in the mail previously. They have not provided signed proof that I incurred this debt, an itemization of the debt and a copy of the underlying account statement and other written validation and explanation of the debt. 

Being that they failed to provide it, this is a clear violation of FDCPA. Proper validation consists of copies of some type of current creditor records, not records which only verify that the collector believes an account is valid. 

They are also violating the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my credit report : Account Number : XXXX Balance : {$43.00} Original Creditor : XXXX
Product: Checking or savings account

On XX/XX/24 I received a letter from Bank of America ( BOA ) thanking me for opening 3 " Business Advantage Relationship '' accounts. I DID NOT OPEN ANY ACCOUNTS AT BOA. On XX/XX/24 I entered BOA at XXXX XXXX XXXX, XXXX, MA. I spoke to " office business solution advisor XXXX XXXX phone number XXXX XXXX XXXX her email is XXXX. The purpose of my visit was to inform BOA of fraudulent activing involving me, XXXX XXXX and my company, XXXX XXXX. During this visit XXXX gave me three case numbers : XXXX ) Case # XXXX for Account XXXX XXXX ) Case # XXXX for Account # XXXX XXXX ) Case # XXXX for Account # XXXX. The following day I received 3 letters from BOA. Each letter is addressed to XXXX XXXX XXXX. The letter states they are working on my claim and they demanded additional information. I am EXTREMELY UNCOMFORTABLE providing such information to them. I do not trust them. The fraud department should do the investigation! After all, if they are legitimate, they can find the information online! They sent me a letter on XXXX XXXX stating that my cliam is closed. I am writing you because BOA needs to be help accountable for opening fraudulent accounts online!
Product: Checking or savings account

Talked to their fraud department they froze acct. I also froze all credit bureaus. But wanted to make u aware that someone has my info and is XXXX using it. One was in XXXX PA and one was in XXXX on XXXX XXXX. And now this one.
Product: Checking or savings account

After traveling 17 miles to the closest branch, and making a deposit to bring my account current, all funds are not being held for up to five business days after I have already verified the funds availability prior to deposit.
Product: Money transfer, virtual currency, or money service

Received a 1099 B from Square , Inc where I received proceeds of {$2400.00} on XXXX XXXX 2020. I have reported to Social Security Adm., Federal Trade Comm., froze credit reports, reported to oig.ssa.gov. I have never done business with Square.Inc. or XXXX. Feel my identify has been stolen. Need the 1099 B done away with because I did not receive any money.
Product: Credit card or prepaid card

Bait and switch practices With PayPal credit card through Synchrony bank. 
I opened a new account in XX/XX/2019 and have found NOTHING BUT DECEPTIVE practices with this credit card through Synchrony Bank. First off they are holding my paid in full payment that was electronically transmitted from my checking account. I was told this hold by Synchrony bank is because it is a new account. Interestingly I've already made 2 prior payments that were not placed on hold. So this larger payment hold will place an interest fee on my account. I've talked to 4 different account reps and they all gave a different rationale as to this 3rd payment hold. I used PAYPAL CREDIT CARD thinking it is part of PayPal. It is not. What they do may be legal, but it is exceptionally deceptive and you will find that there is no resolution through their employees.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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 XXXXXX/XX/XXXX
Product: Mortgage

In XXXX of XXXX, I made my monthly mortgage payment via a XXXX XXXX money order in the amount of {$1000.00}. Newrez tried cashing the money order on XX/XX/XXXX, but was unable to do so. The following day on XX/XX/XXXX, Newrez was able to cash the money order, but failed to apply it to my account. I went ahead and made my payment for the second time that month so to not ruin my XXXX credit score. I have contacted this company at least XXXX times, and I have also spent at least XXXX hours on the phone with customer service. Newrez is still stating that the money order was not good, and states the money order says refer to maker. I then contacted XXXX XXXX to get documentation of the payment from their bank. It took two months for Western Unions bank to send me the documentation proving that the money order was cashed by Newrez. After obtaining proof that the money order was cashed on XX/XX/XXXX, I immediately forwarded this documentation to Newrez. This showed that the money order was cashed and that they have had my payment since XX/XX/XXXX. Newrez is incompetent and have done absolutely nothing to help me get this issue resolved. I have submitted each and every request that Newrez has asked for. Ive spoken to several supervisors who have promised to call me back, but they never do. Finally, after several months of reaching out to Newrez, I spoke to XXXX XXXX, the customer service XXXX. XXXX assured me he would take care of this issue immediately, even giving me his direct work email and phone number. When he did not call back with updates as promised, I began reaching out to XXXX numerous times via phone and email, only to be completely ignored. My calls and voicemails never got returned and the same with emails to XXXX for months. This has been an absolute nightmare. I have wasted so much of my time and energy, but have made absolutely no progress in getting my funds returned.
Product: Credit card

On XX/XX/year> a fake Bank of America employee called me and asked for me to authorize {$27000.00} to them via an email. I never acted on the email nor ever gave this person my Bank of America credit card number. However they were somehow able to get access to the whole account with a couple of text codes. Nevertheless on XX/XX/year> at XXXX XXXX a real Bank of America employee called me with badge number dbblc, her name was XXXX. She was on the fraud team and asked me if I authorized {$27000.00} to go to another person. I said I did not and I want her to reject the {$27000.00} from going through on the credit card. She said she would reject the {$27000.00} from going through on the credit card and issue me two new cards. However after talking to another employee XXXX on XX/XX/year> she said the employee from the previous day failed to submit a fraud claim number and therefore the {$27000.00} went through that night on the credit card. I talked to the supervisor that same day and they said that the employee on XX/XX/year> should have rejected the payment and I would not be responsible for any of the {$27000.00} because it was their error. On XX/XX/year> or perhaps the night before Bank of America has decided that it was a scam and not fraud and that they were not responsible for giving the {$27000.00} to the scammer but instead I owe the money even though I told their fraud employee on XX/XX/year> to reject the payment to the scammer. This is completely unfair to me as the consumer who told them to reject it. They are trying to pass the buck to me and not take responsibility for their employee not rejecting the payment to the scammer. I am looking for this to be resolved with the {$27000.00} being removed from my credit card plus any related fees or interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Funding # XXXX is reporting a collection to my credit that I do not owe. I never received my 30 day right to dispute notice for this account, and when I saw it was on my credit I paid it off immediately. This account is paid and should no longer be reporting a balance, and they are in violation of my 30 day right to dispute.
Product: Checking or savings account

on XX/XX/year> Sofi Bank , National Association closed my bank account. after weeks of devastation of financial hardship, ive gotten nowhere with the bank on the release of my funds. They are now telling me that " I am not entitled to the funds '' and they will be released back to the originator. I just want them to do that so the originator ( who is aware of the situation ) can remit the funds to me another way. I worked for the money and only receive XXXX deposits before they restricted my account. I only had the account for 31 days when this has been done.
Product: Bank account or service

My husband was trying to add me to his checking account and due to chexsystems and an alert for my name due to previous identity theft they were unable to add me to the account but they did n't give me any information what to do so that I can get added to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX XXXX Transunion refused to reverse the late payments.They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit reporting or other personal consumer reports

Transunion credit agency won't remove my collection keep saying we verified yet I wasn't provided with the debt validation documents I have requested. If they can't provide the documents within 30 days, the collection should be removed from my credit report To whom it may concern Please send me a debt validation claim per 15 USC1692G 1 I want you to send me a full detailed list of payment history on this account.

2 I want you to see the original signature that I agreed to on the contract with the creditor.

3 has it been any insurance claim found on this debt 4 I want to see the claim of Title that you have to collect on this debt.

Please provide all the documents within 30 days or please remove it from my credit report.

Thank you
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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: Money transfer, virtual currency, or money service

I seen some unauthorized transaction on my cash app account, I XXXX cash app phone support and it generated the following number XXXX the people from that number got into my account by making me download XXXX XXXX XXXX, from there they took all my money and closed out my cash app account. 
I XXXX the same thing and they changed the number to XXXX My cash app had about XXXX in it, I called because I was missing {$300.00} They managed to add more cash, One transaction for {$500.00} another for XXXX then they used XXXX to send {$500.00} to a person named XXXX XXXX with the email address XXXX So I am now out {$4200.00} I made complaints to cash app, they have no customer service I had to go through XXXX, then they finally responded, I got a case number on XX/XX/XXXX and they tell me that it takes 45 days to complete An investigation, on XX/XX/XXXX I got an email stating my case was closed as they havent heard from me, then when you respond to the emails you get an automated response stating they dont monitor that email address anymore. 
Now they dont answer my messages on XXXX or report me as a robot, I just want my money back and I am also seeking a lawyer I also received a black cash card with my old account name $ mltier that account was stolen from me and I dont know what to do with it. 
Also the person who stole my account changed the name to $ mltic and was requesting money from all my friends I have attached all photos
Product: Credit card or prepaid card

In XXXX of XXXX I submitted a request for a balance transfer from my CapitalOne Quick Silver credit card to my XXXX XXXX credit card. Upon submitting the request for balance transfer, I noticed that there was an error in the account number I entered and I immediately ( within seconds ) submitted a note to CapitalOne letting them know if this error and requesting an update to the balance transfer request. Capital One acknowledged the change and said the balance transfer would be updated. 

The balance transfer was never completed to my XXXX XXXX. I was charged {$3000.00} the full amount of the balance transfer request, but my XXXX XXXX never received that credit/payment from Capital One. 

After YEARS of writing and calling to find what happened to my balance transfer. I discovered that Capital One erroneously sent a check in the amount of {$3000.00}. I have no knowledge of who they wrote the check out to or why. When I asked where they got this persons name or why they sent them a check when I requested a balance transfer to an XXXX XXXX account in my name, they had no response. I asked them what they were going to do to correct this error on their part and they informed me that I would have to contact the person they issued the check to or the banking institution that cashed the check and submit a request to them. This is completely unacceptable. They have done nothing to remedy the funds they lost/mishandled. They have been unhelpful and have drained hours and hours of my time as I fought to find out what happened to my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for ( XX/XX/2022 & XX/XX/2022 ). Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Mortgage

In XXXX, 2020, I applied to refinance my home mortgage at XXXX XXXX XXXX XXXX  ) XXXX, XXXX. I had previously refinanced my mortgage on XXXX prior occasions with BB & T. I sought to refinance to go from a XXXX year mortgage to a XXXX year mortage. I would also lower my interest rate which meant my payment would decrease by over {$800.00}. My house is valued over {>= $1,000,000}. Yet I only sought to borrow {$280000.00}. My verified assets are over {>= $1,000,000}. In addition to my house, I own XXXX other properties free and clear. When I initially applied, I provided BB & T with all of my financial information, including my thrift savings account, which now exceeds {>= $1,000,000} and brokerage accounts approaching {>= $1,000,000}. My current mortage on my house is less than {$280000.00}. I do not have a mortage on my apartment building or another house. BB & T likewise has XXXX years of tax returns and several weeks of pay stubs. During the first XXXX months, BB & T asked that I verify that I did not have a mortage on the XXXX properties, something they never asked for in the past. I repeatedly asked how can I prove it. BB & T never told me how to do that. On XX/XX/2020, after XXXX  years, XXXX months, i retired from XXXX. I provided BB & T my retirement estimates, which turned out to be fairly accurate. Nevertheless, BB & T wanted income verification. However, because of the pandemic, the government could not provide that information. I subsequently received my pension verification several months later. During the interim, for the first time,, I was denied my loan BB & T was able to determine that from my credit report, which it had and going on line. after XXXX months, BB & T changed ask for income verification. Unfortunately, with the virus, I was unable to provide the information. BB & T then rejected my loan. At every step of the process, I asked what more i could do. In the end, I guess i am not the type of person BB & T wants to deal with. Always timely with payments and a XXXX XXXX over XXXX. 
XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX application number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus put stuff on my credit report without even warning me about it. I never received any correspondence from them.. These accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX XXXX XXXX ( Original Creditor :  XXXX  XXXX XXXX XXXX TX ), XXXX   XXXX XXXX ( Original Creditor : XXXX AT XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX , ( Original Creditor : XXXX XXXX XXXX ) XXXX, ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX - only Equifax report this account, XXXX XXXX XXXX - only XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove this account in accordance with FCRA 1681b ( a ) ( 2 ) Additionally, How can the Last Payment report XX/XX/XXXX and report a no late payments until XXXX XXXX XXXX XXXX XXXX  120 days late Remove this account for inaccurate reporting. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove this account in accordance with FCRA 1681b ( a ) ( 2 ) Additionally, How can the Last Payment report XX/XX/XXXX but payments report as made OK for months XX/XX/XXXX thru XX/XX/XXXX. 
Remove this account for inaccurate reporting. 

Please investigate and send me a complete Updated Trans Union credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to Experian and to XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations still persists on my credit report.