23daVinci/CFPB_Complaints huggingface dataset:
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 violates 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 Electric 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: Credit card or prepaid card

I have the Amazon Prime Credit card with Synchrony bank. 2 months ago by mistake they charged me one product twice. I submitted a complaint and they never called me back or told me anything about it. 2 or 3 weeks I tried to use my card again and it didn't work, I called them and they told me they cancelled my card without a notice from them. They didn't send any notifications from Synchrony bank. I tried to pay everything and to cancel the card and they told me they would do it and they didn't. Then a new card came to my house and I opened to review everything in the Synchrony bank app again to make sure they didn't charge anything additional. Everything look good and I decided using the card again. They charged me XXXX twice and when I call them they send me from one person to the other one for about 2 hours and they didn't solve anything. At the end they said Amazon was the one who charged me twice and they didn't solve anything. When I called amazon they said that was not true. I need help.
Product: Credit card

Initial contact with AMEX travel was made on XX/XX/XXXX regarding cancellation of trip to XXXX XXXX. Reason for cancellation was last minute XXXX travel. 
First travel agent messaged XXXX AMEX portal has informed me that travel will be compensated through travel credit and or rescheduling which could cost up to {$200.00} per person. 
I was content with the travel credit as I did not want to incurr a loss. When proceeding with cancellation, I was told that I had to be transferred to another agency because travel reservation was made through AMEX XXXX XXXX.

When talking to AMEX XXXX XXXX the next day, I was told that the hotel would be fully refundable if cancelled by the first day of check-in but flight was non-refundable. I disputed that stating that was not what I was told the day prior and an agent informed me they would reach out to the airline to see if documents could be provided to back stating XXXX XXXX were the reason for cancellation. 
After attempting to follow-up with my case and speaking to numerous agents I finally received an answer by XX/XX/XXXX stating that XXXX has denied my refund and the flight would be a complete loss. I asked the agent if they can follow-up with the airline to see why the claim was denied and what their criteria was for why my claim was denied. 
The whole process was very cumbersome and time consuming as I had to speak to several agents and follow-up with AMEX and then get transferred to AMEX XXXX XXXX only for them to tell me no update and plead my case to every single person I spoke too.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY DOB : XXXX SSN : XXXX Date : XXXX Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under XXXX XXXX XXXX XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general it, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Personal Information 1. XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX- The personal information is incorrect - please remove this from my credit report immediately Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - This account is being reported inaccurately, please remove this from my credit report immediately Inquiries XXXX. XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This inquiry was not authorized, please remove it from my credit report immediately
Product: Payday loan, title loan, personal loan, or advance loan

My daughter took out a loan with this company and I was the cosigner on the loan. My daughter set up pymts to be taken out weekly from bank. They stopped taking pymts. I tried to send a check but the check was sent back. Their excuse is the loan is ahead so therefore no more pymts will be taken out. Now the loan is back up to over a XXXX. I want the loan paid off so we can move on with life. They are waiting for it to accrue more interest before they accept any more payments. That is unfair to allow the loan to continue to rise and we aren't allowed to pay it down. SCAM FOR MORE MONEY IN INTEREST. They will not answer the phone or email. They keep saying you can make extra payments but it will be sent back. No wire transfers, bank checks or anything. They will text back with ahead of payment schedule so no pymts will be taken out. No one will get in contact with us .We need help with this.
Product: Student loan

I took a {$21000.00} loan out in XX/XX/XXXX from XXXX XXXX who is now Navient. This loan was meant to pay for expenses while in school at XXXX XXXX. I ended up having to withdraw from that college and never received any degrees or credit hours from that school. I was also out of work so the loan was paid for school supplies and tuition that never amounted to anything tangible for myself. I continued on to another school in the years that followed. My loan was in deferment due to being in school full time. I was n't aware how much the interest collected over the time i was in school and the balance ballooned to {$46000.00} with 10.75 % interest on top of that. Now payment time is here and i went into a payment arrangement over the last year paying {$230.00} a month. The agreement recently ended and my loan balance is actually higher by {$200.00} than when i started the payment plan. Now the minimal is over {$400.00} and with a mortgage, XXXX small children, wife not working i can not pay this. Even if i did pay it over the course of the loan term i will be paying {$150000.00} back to Navient for a original loan of {$21000.00}. I feel like i was deceived for many years and the interest rate will have me handcuffed for the next XXXX years of my life. I feel there should be something that can be done to assist with me since my loan paid tuition, and school expenses for nothing that assisted me in my future careers or education. There is no way i can afford those payments and with the possibility of paying {$150000.00} for a loan of {$21000.00} i am considering bankruptcy. Please help as Navient has not be of assistance and are in the process of ruining any chance i have of living a sustainable life.
Product: Student loan

Navient has been a problem and I have filed multiple complains about them in the past. 
Navient misallocated payments and steered me through multiple forbearances instead of income-driven repayment plans. Then, they started mailing letters to me at a previous address and had the wrong telephone number to reach me. This resulted in mis-allocation of XXXX seperate loans that I was consistently paying ( as was agreed, and they do not dispute ), and hit my credit score hard. When I reached out to them and tried to resolve this issue, they could not pull up my account because they had the wrong address and telephone number on file. 
It took multiple complaints to the CFPB to get them to even communicate with me ( thanks, CFPB ). We worked through this issue, all of the fees that they charged were returned, and I refinanced the student loans with a different servicer. By the way - no issues so far from the new servicer. 
What this complaint is about is the fact that Navient was supposed to expunge my credit report, and they did not. This was their mistake, they acknowledged as much and returned the fees ( on paper ) they had charged me. And yet, I'm still paying for it. I can't call them, because I'm not a customer any longer. Maybe the CFPB can help me expunge my credit report from Navient 's mistake. 
I can show a current credit report showing XXXX loans that have XXXX hits that are 90+ days old - 84 times I was reported and it hurt my credit. Aside from that, my credit is spotless. However, this mark on my credit is costing me thousands of dollars in a refinance of my property.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX [ Account # XXXX ], XXXX XXXX XXXX  [ Account # XXXX ], XXXX XXXX XXXX [ Account # XXXX ], have violated my rights. 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction. 

In addition this account is listed in a bankruptcy. Since the information is included in a bankruptcy it should not be reporting separately to my consumer report. 

Delete these accounts
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX  XXXX Balance : {$2300.00} XXXX  XXXX XXXX Balance : {$290.00} XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

For the past 6 months I have disputed items on my credit report, each time all XXXX credit reporting agencies along with the companies reporting fraudulent information. This has been since XXXX of XXXX, I have had to make a police report along with sworn statements, certified letters and notaries to correct the violations of my consumer rights. They have failed to show any proof of any account that has been disputed. I have personally called and been told that the credit reporting agencies have their own laws and dont have to remove anything on my credit report, this just happened XX/XX/XXXX. Attached are documents of arbitration in which I am demanding monetary relief for their blatant disregard for my consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to have fraudulent information removed. It has been to no avail. I have submitted the identity theft affidavit and an APPROVED police report and the bureau refuses to follow the FCRA. I fee like they are trying to make the call that the police report isn't accurate when that his not what they are required to do by law. The police authorities deemed is valid and APPROVED it therefore the bureaus needs to comply with the FCRA instead of blatantly break the FCRA laws.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX 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 XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had my bank account closed because of the overdraft fees and fees occured by having a low balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX  XXXX XXXX XXXX : {$4300.00}
Product: Mortgage

M & T BankXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ( XXXX ) re : account # XXXX XXXX ) I believe my escrow payment to be too high. My property taxes were greatly reduced to {$3900.00} and while I was given a refund check for the difference in the amount of {$1600.00}, I was expecting the refund check to be much larger given how much my property taxes were reduced. 
2 ) The refund check too 4 months after I gave them the new property tax assessment, far too long for this mortgage company to hold on to my money. Companies hold onto money for as long as they can. I also had to call in and request the money 3 or 4 times before a check was actually received.

3 ) My home payment was reduced from {$1700.00} to {$1600.00}. Today I received a very nasty phone call telling me that my payment of {$1600.00} was in suspense and that I owed an additional {$150.00} ( {$94.00} difference and late charge of {$56.00} ). They FORCED me to pay the difference of {$94.00}, but waived the late charge. 

I would like for someone to review my escrow account and see if this mortgage company is holding onto too much money. They also need to be investigated to see if they are taking too long for refund payments. XXXX XXXX XXXX called me today in a very mean and demeaning manner saying that I was delinquent on the payment, etc. etc. I'm sure he was trained to do that, but XXXX XXXX XXXX should have also been trained to see that I've always sent my payments on time and he should have also looked to see if there was a recent payment change. 

I believe that 1 ) I should be due additional escrow refund and 2 ) that my payment should be lower than what it is at {$1600.00}. 

Please let me know if there is any additional information that you require in order to investigate. 

XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I got a personal installment loan with citizens one bank for the new XXXX. I went to pay off the full balance of the loan on the phone and I find after I made the payment with the supervisor XXXX that I was charged twice with each amount being {$1300.00} for a total of over a {$2000.00} charge on my credit card. I had to use my credit card to pay off other balances and could not do so because the overcharge of two payments reduced my credit line needed to pay off other balances. The supervisor did not tell me the first payment did not go through which took away my choice to tell her to not make an additional payment effort after the first payment did not go through. Instead she just kept charging my credit card without notifying me and when I get off the phone I see two charges on my credit card. After two weeks of waiting going back and forth with multiple supervisors I asked that they give me a discretionary credit on my credit card for all the issues as well as to compensate for the interest accrued on other balances that I could have paid off using my credit limit that they reduced by charging me twice. The bank didnt even make an effort to reverse the second charge as it was on my account for 8 days. For eight days I did not have the credit limit I needed to pay off other obligations due to them charging me twice while interest was acrruing daily on the other obligations. The supervisors escalated this matter to the office of the chair and the end resolution is that they were not going to give me a discretionary credit for all the issues they caused. I spoke to a lady named XXXX. I told her I was going to report them to the CFPB because many other customers may be going through the same thing. Two days later I get a call from the dispute resolutions department to check up on me because they heard I was going to the CFPB and they tried to ensure they werent going to give me a credit but they would better their process.
Product: Credit reporting or other personal consumer reports

American Express and its representative are continuously showing no regard to the law and my right to privacy. They are telling me that their policy overrules the law. They are committing language fraud with misleading facts and giving their false interpretation of the law. They have caused and are still causing me defamation of character by illegally reporting information that should not be on my consumer report and misleading me and refusing to remove it. They are telling me that I have no right to privacy, and they are knowingly reporting income on my consumer report. 

Their said in your response As of XX/XX/2023, were reporting the account as an unpaid charged off account. According to the IRS ( Internal Revenue Service ) publication irs.gov, a charged-off is a certificate of indebtedness which goes along with a 1099c The Cancelation of Debt. It is considered to be income, and you know very well that income can not be reported on a consumer report. Proper procedures must be followed to ensure accurate reporting 15 U.S. Code 1681e.

The Gramm-Leach-Bliley Act, require that they report their information data sharing practices, as well as provide me with information and the right to opt out of data sharing with 3rd party non-affiliate agencies, like XXXX, XXXX as well as XXXX, or any other not listed here. It is also your responsibility to make sure that it is presented in a clear and conspicuous manner. They are in violation of this Act as they just admitted this, in your response that is attached. Furthermore in accordance with the Privacy Act of 1974 I have the right to privacy that they are trying to deny me.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681 E ( B ). I am entitled to an accurate consumer report. I have disputed these accounts numerous of time and they return as verified. Now, In the State of Georgia the Statute of limitations on a written contract in the State of Georgia is 6 years. Both of these account must be removed off my consumer report immediately. XXXX XXXX XXXX XXXX Allegedly {$10000.00} high balance. Allegedly Balance owed {$10000.00}. This account must be Deleted immediately. I will file for remedy for reporting inaccurate information on my consumer report.
Product: Credit reporting or other personal consumer reports

Equifax provided they verified Bankruptcy # XXXX with the US Bankruptcy court - Nevada also XXXX Bankruptcy # XXXX XXXX claimed was verified directly with US Bankruptcy court state of Nevada this is an error or a lie!!! I also contacted the Fraud department at XXXX who stated verbatim that this is not correct!! They have no correspondence at all with The Court House directly therefore, this is an error or a lie!!! Either way pursuant to USC 15-1681, 1682 according to the FCRA Im entitled to a fair credit report!! XXXX has affected my rental screening history, my integrity, my livelihood and most importantly my consumer report this is false fraudulent information, it needs to be deleted immediately I am also entitled to monetary compensation!!!! I provided all documentation proving these are not my bankruptcies you cant even legally file this close together!! The only time I have ever filed bankruptcy was in XXXX  which was XXXX!! They have my police report as well as all documentation on file!!! This should be deleted immediately if not I will contact my attorney as this is a direct violation of 15-USC 1681 , 1682