23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am filing a complain 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 measure to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. To be more exact the amount of {$2400.00} was sent to a person named XXXX XXXX, I did not approve this transaction at all and dont know how this person was even able to do this. 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: Credit reporting, credit repair services, or other personal consumer reports

It Stared with an oldXX/XX/XXXXCell Phone I used to owned with XXXXXX/XX/XXXX. I was doing my own investigation who has the phone on XXXX Search XXXX. The phone was located Somewhere in XXXX, NY and also at a near by ONE MAIN FINANCIAL XXXXXX/XX/XXXX XXXX XXXX. XXXX NY where the crime took place in XXXX. The suspect are not making any payments of the Funds {$900.00} dollars. The suspect or suspects are still using the same phone number. My photo picture is still at use as a wallpaper when making a phone calls and the name XXXX still appearing.They are not making payments back. They hold Monthly payments of XXXX, XXXX and XX/XX/XXXX, XXXX XXXX XXXX. XXXXXX/XX/XXXX Credit Score Report
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX/XXXX   account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 12 and 13 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Debt collection

Midland Credit Management has threatened and attempted to garnish my wages after I offered a settlement payment. They refused a settlement and refused to have this in sent to me in writing
Product: Credit reporting or other personal consumer reports

Despites fraudulent accounts ask for proof that it was mine. Experian just said it was mine took more than 30 days to reply and no explanation just nimber for me to call. Multiple same fraudulent accts from Same company.
Product: Credit card

I request to stop mailing catalogs to my house since then my account is closed on line, I am unable to make online payments on my account and it has created inconvenience for me to mail out checks payments using a check and stamp to mail in my payments. XXXX understand why my account reflects XXXX  balances. I have never received a letter of explanation on what is going on.
Product: Payday loan, title loan, or personal loan

Back in XXXX 2016, I was having a difficult time after XXXX XXXX XXXX the military and trying to get stable financially. I used this service to help me take care of a couple of emergent things that also involved some medical costs. I agree, the acquisition of the funds were attractive and easy. However, I was hoping that I would be able to pay it off quickly in order to avoid the very high interest rates attached to the loan. Unfortunately, this was not the outcome. I faced setback after setback, which prevented me from being able to perform the payoff desired, and I had to continue on their payment plan. During this process, my wife and I were beginning to have dental issues that needed to be addressed, and to protect my honor and my obligation with XXXX XXXX, I placed our need on the shelf, in order to continue paying them. I am now at a point where our XXXX needs must move from secondary to primary, and they need to be addressed. Pain has become a daily part of our life with the XXXX issues and I need to have these funds to meet the treatment needs. I have insurance which is very helpful. However, the associated cost I will have to pay is considerable. I also have XXXX XXXX XXXX challenges with XXXX XXXX XXXX after several XXXX and all of this has often XXXX XXXX  as well as XXXX XXXX. As I took a look at the payment schedule that is attached to this report, I noticed that I have paid off the amount that I originally borrowed, {$3100.00} to the amount of {$3800.00} - to date. I also took a look at the payoff amount to be released from the debt and it is {$3500.00}! And even worse, the complete payoff amount is {$16000.00}!! All from an initial amount of around {$3000.00}. This is way more than what I originally borrowed. In the past, I have had at least 2 conversations with the company in regards to paying off the loan early. I was always advised to wait until a certain date to avoid having more interest attached. But, at any rate as you can see in the documents enclosed, the interest rate is not in favor of the borrower in any way.
Product: Debt collection

XX/XX/ I lived In XXXX XXXX XXXX During covid, during that time they changed owners three four times. During those times they stopped fixing everything they had no pest control let trash pile up and every time it was a new owner, they kept claiming people owed amounts that they did not. So, we were trying to do a community lawsuit, so I stopped paying rent. I had a leak in my apartment for months, my bathtub rusted the only thing they did was spray paint the wall to cover up the leaking down the wall, and spray painted the bathtub to cover up rust and got spray paint all over the wall, the employees in the office was stealing packages. We complained to state and I filed an answer in court but when I moved I wasn't aware of the court date. Now they created false charges for things they never did they never did the only amount I owe them no where near XXXX dollars they are creating fake charges I have pictures to prove and emails. It was horrible
Product: Debt collection

I am writing to formally file a complaint against Jefferson Capital System, located at XXXX XXXX XXXX XXXX, XXXX, MN XXXX, regarding its handling of my account number XXXX. I believe Jefferson Capital System has violated my rights under the following federal regulations : 1. Violation of 12 CFR 10026.34 ( b ) ( 5 ) Jefferson Capital System has engaged in deceptive practices by providing misleading information about the status of my debt, which is prohibited by this regulation. They have failed to communicate clearly and accurately regarding the terms and amount owed.

2. Violation of 12 CFR 10026.34 ( c ) ( 4 ) ( i ) The company has not fulfilled its duty to respond promptly to my inquiries and dispute regarding the debt. This regulation requires that the collector must respond and address any concerns or disputes raised by the consumer, which has not been done. 

3. Violation of 12 CFR 10026.34 ( d ) Despite my dispute of this debt, Jefferson Capital System has continued its collection efforts without investigating or validating the accuracy of the debt. Under this regulation, all collection activities should have ceased until the dispute was fully investigated.

4. Violation of 15 USC 1681-s2 ( 7 ) ( a ) Additionally, Jefferson Capital System has violated the Fair Credit Reporting Act by furnishing inaccurate or incomplete information about this debt to credit reporting agencies, despite being notified of the dispute. 

I respectfully request that the Consumer Financial Protection Bureau investigate these violations and take appropriate measures to ensure that Jefferson Capital System complies with federal laws. I also request that Jefferson Capital System cease all collection efforts until this matter is fully resolved and the proper investigation has been conducted. 

Please contact me if you require any further information regarding this complaint. I appreciate your immediate attention to this serious matter
Product: Student loan

My federal student loans were recently transfered to Nelnet. They are impossible to deal with. I can not reach a human to resolve my issue after hours of trying. 

I am set up for monthly payments of about XXXX XXXX  and have been on that plan for many years. I am enrolled in autodebit for this amount. 

The Nelnet website now inexplicably indicates that my new monthly payment is more than {$9100.00}. This is approximately my full balance. Nothing changed for them to change my monthly payment. 

I have tried contacting them via their website ( chat and the " contact us '' form ) and email. All I have received is automated responses that don't address my issue. I am currently on hold trying to reach a human, and have been for over 40 minutes and counting. Unless this is resolved, they seem to plan to deduct over {$9000.00} from my checking account this week. This will be problematic. 

My options are to either cancel autopay, which will result in a higher interest rate, or pay my bank for a stop payment, which will cost me {$35.00} and likely create problems for my actual, correct payments that I want and need to make. 

Nelnet has no apparent interest in resolving my issue despite repeated and lengthy attempts to reach them. They need to be held accountable. 

I would very much appreciate some follow-up with whoever oversees Nelnet to help me resolve this issue.
Product: Mortgage

I worked for about two months but got terminated for complaining about employment and RESPA violations at First Title & Escrow , Inc. headquartered at XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX with phone number ( XXXX ) XXXX. They have offices in other states but I worked in XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. 
This company is doing about XXXX transactions a month and I highly suspect they are not compliant with RESPA regulations for kickbacks or marketing service agreements. I know that their main source of business in XXXX XXXX in XXXX, XXXX comes from a marketer, XXXX XXXX, who is the daughter of the President/Executive of XXXX XXXX XXXX, XXXX which I think maybe in violation of a mortgage kickback scheme since they can not be an affiliate of the mortgage company. 
Please investigate this company. XXXX cases a month from honest marketing efforts -- I highly doubt it. This will be very similar to the XXXX company you investigated. 
XXXX
Product: Student loan

In XXXX XXXX I submitted proof of working for a government agency to XXXX XXXX. On XXXX XXXX, XXXX, my IDR repayment re-application was approved by XXXX XXXX. On XXXX XXXX, I made a payment to XXXX XXXX for my bill that was due at the end of XXXX. At the end of XXXX, my account got transferred to my XXXX XXXX as a result of me working for a government agency. 

When my XXXX XXXX got my account, they did not get proof of my XXXX payment ( which was 2 weeks early ). They also did not get the memo that my IDR repayment plan was approved. As a result, as soon as my loan got transferred, my XXXX XXXX began harassing me about my payment being late and my account being delinquent ( which it was n't -- see attached proof of payments ). In addition, my fed loan sent me a bill for over twice the amount of what my bill should be under IDR. I have called, email, and chatted with them repeatedly, and gotten different answers every time. 

My XXXX payment was on time. My IDR re-application was also on time. But now this company wants me to pay the XXXX repayment amount for my XXXX bill ( if I wanted to be on the 10 year repayment plan, I would n't have submitted proof of income and gotten transferred to this servicer ). They are also constantly harassing me about my payments being late, which they are n't. This company is penalizing me for doing everything right.
Product: Credit card or prepaid card

I went to Macys in XXXX of XXXX, and I did not have my Current Macys card on file. So, I used my Social Security number to gain access to my current account. Subsequently, the sales associate open a new account in my name. Within 30 days I started receiving phone calls of a late payment of my credit card. My previously opened Macys card has been on autopay since opened in XXXX. Therefore, I was unsure of the late payment and or applicable fees. When I called to inquire about the late fees, it became apparent that I now had 2 Macyss card. I did not want any further late payments so I paid the card balance of {$90.00} in full and closed the card to avoid further late fees. Unfortunately, the fraudulent behavior did not end and my Credit Score has dropped XXXX points, over {$90.00} and a card that I never applied for. I have since been denied credit and my interest rates on my other cards have been increased. I have been in communication with Macys since XXXX of and its been 6 months with no resolved. My Credit Score is ruined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes in the past to have the account under XXXX XXXX XXXX removed from my credit reports due to being inaccurate. I contacted XXXX XXXX XXXX to dispute the information as well and have yet to receive a response. The latest letter I sent to XXXX, TransUnion and XXXX to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither XXXX, TransUnion nor XXXX, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.
Product: Credit reporting or other personal consumer reports

A Bank of America Charge Card showed on my Credit report Acct ending in ( XXXX ). There was a {$5200.00} charge to this account that was open XX/XX/XXXX. This account was closed in XXXX of XXXX. I received notification on my credit report ( XXXX ) that my score dropped due to non payment. The account was closed and Bank of America charged it off. I filed a police report and a fraud theft report when I found this had happened. This account was created in Nevada. The person had my name, SSN & DOB. I was not the person who established this accounts. I am from Virginia. I have never lived in Nevada, nor have I ever had any account with Bank of America. I was told by XXXX that Bank of America notified them on XXXXXXXX  to put the credit issue back on my report that they determined the accounts to be non-fraudulent. I have spent countless hours on the phone with BOA trying to get this resolved.
Product: Debt collection

This is regarding a debt owed soley by my husband, not tied to myself. The person who contacted me begin asking questions about my husband, telling me that this was a debt situation for XXXX XXXX XXXX, was I aware of the situation. He also asked if we were in the process of getting a divorce and said we live in a XXXX XXXX XXXX dollar house and asked why we arent paying bills. 
This information was over the line and if the debt is not mine he should be speaking with my husband, which is what I told him. He continued interrupting me until I finally hung up on him. 

The reference number to this is XXXX
Product: Debt collection

Delete from Consumer report agency XXXX XXXX XXXX / XXXX XXXX XXXX XXXX DEPT OF ED / NELNET Reported : XXXX. XXXX, XXXX  {$3000.00} + In good standing DEPT OF ED / NELNET Reported : XXXX. XXXX, 2024 {$7500.00} + In good standing DEPT OF ED / NELNET Reported : XXXX. XXXX, 2024 {$3900.00} + In good standing DEPT OF ED / NELNET Reported : XXXX. XXXX, 2024 {$5000.00} In good standing DEPT OF ED / NELNET Reported : XXXX. XXXX, XXXX  {$8400.00} In good standing DEPT OF ED / NELNET Reported : XXXX. XXXX, 2024 {$6000.00} + In good standing I never received a recession form I've the right to recession and it wasn't disclosed of the consumer credit transaction. Under 15 usc 1635 15 usc 1611 LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER I Part A 1611 Quick search by citation : Title enter title Section section 15 U.S. Code 1611 - Criminal liability for willful and knowing violation U.S. Code Notes Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both Under truth and lending disclosure We know for those that have been here for some time you guys are fairly new the finance charge is the sum of all charges some of them are charges me the total payments I need the total amount of all charges but granted they're still looking to continue to make monthly payments on something that's already been financed by someone that's already getting credited that's why we talk about the lending misuse of one 's credit and that's why they talk about that you know let 's see it is the purpose of the subject to assure a meaningful disclosure of credit terms so that the consumer will need to prepare more revenue various credits and avoid the uninformed use of credit by why are we talking about avoiding the uninformed use of credit because on the use of our credit we would understand that we are the creditor do every single transaction with these that collectors and financial institution as one from and the rights therefore extend credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following is a copy of an email I received thanking me for a payment. The sender identifies themselves as being from PayPal. I do have PayPal accounts and checked the accounts. No money was withdrawn from the accounts as far as I can see. 

Thank You. 

XXXX XXXX Pay-Verification Team XXXX XXXX XXXX, XXXX, XXXX XXXX  Dear XXXX XXXX, Thank you . Your prompt payment for the invoice XXXX has been received. Much appreciated. 

Have a great day and good health! 

Print your receipt here : XXXX date : XX/XX/2022 Receipt date : XX/XX/2022 Bill To : Customer ID XXXX XXXX XXXX XXXX XXXX  XXXX Unlocked 1 {$690.00} {$690.00} Amount due {$00.00} Total {$690.00} USD Please Note : It may take 24-48 hours for the transaction to appear in your Bank statement. 
If you did not authorize this purchase, contact us immediately at XXXX XXXX XXXX XXXX ( Please wait for a call back in case we miss your call ) We will refund the full amount if you cancel the order within 24 hours. Thank You! 

PayPal, XXXX ( XXXX ) XXXX XXXX XXXX ( Customer Relation XXXX ) Attachments area
Product: Mortgage

Trying to sell a home that is part of an estate that I am personal representative of. Working with a title company have a cash buyer and bank of america wo n't release the deed until 60 days after payment has been made. Basically blocking me from sale title company has been working with them for over a month were suppose to close last month and have gotten no where they are close to foreclosure. The amount of the sale would pay them off in full meanwhile bank of america is charging more interest, penalties, and taxes. Loan was first a Va land contract and payments were made threw countrywide. Bank of america bought them out and now state is a mortgage payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit inquiry made on XX/XX/2018 from XXXX shows on my XXXX credit report. Another credit inquiry made on XX/XX/2018 from XXXX shows on my Experian credit report. Both of these inquiries were made fraudulently by someone with my personal information attempting to open credit cards under my name. I have alerted both XXXX and XXXX to let them know these were fraudulent and both companies stated that they would have the credit inquiries withdrawn from my credit profile, which they have not yet. I have placed a 90 day fraud alert on my credit profile with all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to companies and was told that once reported to the Credit Bureaus I have to take it up with them about the inaccuracies. So I contacted All 3 credit bureaus, wrote letters and never received a response. Then I sent a 30 day comply. Still no response after 30 days.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer -provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHEXSYSTEMS is reporting innacurate information on my consumer report. I asked for documentation from CHEXSYSTEMS verifying the allegations from the institutions on my consumer report. CHEXSYSTEMS have failed to correct the problem and did not provide valid documentation to verify these negative remarks on my report.
Product: Credit card

My accountant had requested my business Credit card statements for 2022. I found that they were not online from XXXX through XXXX. I have call Wells Fargo every month for the past 6 months. They keep saying that they mailed them, I then confirm the address is correct and I never receive them. I'm now going to be penalized by the IRS for being late on my business taxes and personal taxes. I even asked for a supervisor and made a formal complaint and they said someone from the Complaint Department would contact me in 2 business days. That was over 2 weeks ago.
Product: Debt collection

My credit report contains accounts I didn't consent to. Please act promptly to have them blocked and erased.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these items a long time. The other bureaus already removed some negative items on their file because of inaccuracies. But some agency still reporting these negative items account on my credit report. Only your agency is reporting this account negatively and that is a violation of 15 U.S. CODE 1666B.
Product: Mortgage

This is the XXXX time I have tried to file a complaint about XXXX priority. Why was my complaint deleted as if I never filed??? I received an email saying they have responded but when I log into my portal, it says no complaint. Why has this been ignored or removed from my file?