23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Navy Federal Credit Union did not require the merchant to provide proof of product delivery. In good faith, I worked with them for months and they did not have the merchant provide proof that I received the product I pre-paid for with my XXXX. A small company like XXXX has to provide proof of delivery, why does this merchant not have to? They told me they could not help me any further and closed the case. They did pay the merchant XXXX for a product I never received and provided documentation to support this. They did not require the merchant to provide the same proof. It is not appropriate for me to be required to pay for a product I have not received and yet my Navy Federal XXXX credit card is being charged anyway. This will affect my credit score if I do not pay for a product that I never received.
Product: Mortgage

We have been retained by XXXX XXXX to help resolve the foreclosure of her home. We submitted a full modification application on her behalf to Ocwen on XXXX XXXX, 2017. OnXX/XX/XXXX I called to find out why I had not received any acknowledgment of the file. I was informed by the representative that there was no open file, that the file had not been set up for review because the did not have any programs available. When I asked why not I was told that they did not know the answer. I wrote a letter to Ocwen escalations asking for an explanation. I was informed that on XX/XX/XXXX it was decided that the file did not qualify because they only have 2 mod options, one for loans less than 90 days delinquent and another for streamline mods and that she does not qualify for either. The loan is definitely more than 90 days delinquent so that I understand. I do not know how they know she does not qualify for a streamline if they did not review her file. I do not know the criteria for that program and they will not give it to me. I asked for an NPV evaluation and was told they do not have one because they did not review the file. Additionally, if the streamline program does not require a mod application submission I do not see how you can " Not qualify ''. To date, I have received no further explanation of the denial nor any options available to save the property.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit score. Despite my efforts to resolve this directly with the reporting agency, the issue remains unresolved.

The inaccurate item ( s ) incorrect balance, late payment incorrectly reported, or an account that does not belong to me.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I wanted to make a purchase online and the seller I was in contact with said they took payments through XXXX. Knowing that XXXX was already built-in to my bank 's app, I felt comfortable with that assuming XXXX had the same or similar policies in place to XXXX so that if anything happened I would get my money back. Also because it was part of my bank 's app, I assumed they would have a contract with a company that supported their customers. However, I sent {$360.00} on XX/XX/XXXX, with the seller proceeding to give me the runaround and a fake tracking number. They stated they dropped off the package on XX/XX/XXXX, but I never received the package. I contacted XXXX multiple times but they could not find any history on the package. After realizing I got scammed, I found multiple other reports of people getting scammed through XXXX. I decided to send a XXXX money request and invoice to the seller through the email I paid money to on XXXX, but they have yet to respond. My bank also does not claim to return the money to their customers as it was an " authorized '' transaction. It may have been authorized initially, but there should be some way of getting your money back in the case of not getting what you pay for. Also, I had to do my own research to find out that they do not have any protection policies in place. When I registered for XXXX, there was no disclaimer that stated their policies regarding scammers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX is over 8 years old and all three credit bureaus continue to report. This account needs to be removed ASAP! it is over the 7 year mark and thus reporting agaist my consumer rights.
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 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: Checking or savings account

Bank of America has taken two certified government checks of mine. The first one was on XX/XX/2023, I went to the bank to deposit a business check into my business account but was told i couldn't and that I needed to open a personal account, I thought it was strange but did it because I was talking to the XXXX. The day the funds were to be available, was the day they closed the account. I assumed they closed it due to a business check being deposited into a personal account but they said something about fraud and that they would send the check back to the IRS but they did not, {$13000.00} just gone and never seen again! 

Present day, XX/XX/2023 I went to deposit another check for {$21.00}, XXXX into my business account, the funds were suppose to be available on XX/XX/2023. On that day I woke up to not having a bank account again but this time it's my business account. Once again, I did not receive any notice or warning concerning my account closing. I literally have nothing now that they took all of my money. They claim fraud or an invalid deposit but they never gave me a valid reason, just that were they're going to send it back to " the maker '' but they never sent the other check from XXXX back, so I knew that was a lie! 

After speaking with several different representatives from Client Protect, I've never felt so unprotected and confused in my life. I received so many conflicting answers to my one and only question " WHY DID YOU CLOSE MY ACCOUNT? ". I was told I needed to contact then IRS because the check is fraudulent, so I did 3 times and each time I was told that every check sent to me was good and my business is good, NO fraud, NO investigation, NO red flags NOTHING which is the complete opposite to what Bank of America keeps telling me. I have not done anything wrong and Bank of America stole my money and refuses to return it to the rightful owner which is me! 

I have XXXX children to take care plus XXXX business to run to make living, My rent was not paid for this month due to them closing my account and not willing to return my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

US Bank put two inquiries on my XXXX file on XX/XX/2019. I was never reached out to. No one called to clear my Extended Fraud Alert, I did not apply for any products with Us Bank on XX/XX/2019. I SEE TWO Inquiries on the same date from the on my same file. This is on my XXXX Credit Report, And I can see that. I did reach out to XXXX whom advised me to contact US Bank. I did contact US bank and advised them I did not apply for credit with their instituion on XX/XX/2019 and that I am a victim of ID Theft, According to the rep they only show 1 inquiry and they said they would remove it. THEY DID NOT. It is Two inquiries both from the same company on the same date. XXXX is requesting me speak to US Bank. So this complaint is because US Bank refuses to assist even though I advised the Application was fraudulent and not authorized they refuse to remove the inquries they illegally placed. Please correct this.
Product: Student loan

I 'm the co-signer of my oldest daughter 's loans. We have approximately XXXX loans with Sallie Mae before it transferred to XXXX. When my daughter graduated in 2011, we were told her total loan payment would be over {$2500.00} which was outrageous. I spoke to them and said there 's not way we would be able to make that kind of payment. They then told us that we could defer the interest, I did n't understand this but the payment was lowered than the original amount so we went that route. It was still high and I had to work XXXX jobs to help my daughter with these payments. Unfortunately XXXX yrs later, our loan amounts sky rocketed. I could n't believe the interest at one point was almost 12 %. I ca n't find the statement that said that but when we applied for these loans, they told us it would be approximately 2 % over prime rate. But the Customer Service rep told me that it should n't be more than 8 % at a high. I was n't too familiar with these types of loans. My main focus was my daughter 's college education and getting her through college without any issues. My daughter has since taken XXXX of the loans to pay them off and get a lower interest rate. I was told that if I did the other XXXX remaining loans that my interest rate could go higher than what it currently is so I chose to leave them be. I did set up automatic payment and they ( Sallie Mae ) would take a .25 % off of my loans so I have them coming out automatically to just save money.
Product: Debt collection

In  XXXX   two  times was contacted by Midland Funding LLC also  XXXX ,  XXXX ,  XXXX  by phone an have come to home they have Also called my parents home threating to sue me when they came to my home they screen my name out loud my daughter was home alone and was afraid I have asked them to not contact me again back in  XXXX
Product: Debt collection

I reach out to JP Morgan many times spoke with a representative, told him I was unemployed XX/XX/year>XXXX  prior to that written several letters, stating that I was homeless, and now less than 30 hours. I am in XXXX  level and can't afford to pay {$6800.00} I believe this amount is XXXX XXXX XXXX. 
Since than JP MOrgan hired a law firm court case XXXX, I filed a response stating I own nothing and am currently living from house to house, can't afford a place to live. 
XX/XX/year> file the response to Superior Court of California XXXX XXXX XXXX XXXX XXXX XXXX, hearing schedule for XX/XX/year> XXXX department XXXX XXXX XXXX XXXX XXXX XXXX 

Notice of XXXX XXXX XXXX. I have no documents only letter from JP Morgan Chase Bank
Product: Debt collection

I lost the credit card for XXXX. as soon as I noticed that my card was missing I called the creditor : XXXX. I live now in Tennessee for 2 years. my card was used in Tennessee and was used in Florida. I reported this to the creditor and they just told me I was responsible for this. I kept calling them and they did not want to help me. All these charges were fraud. I could not lie or try to hurt my credit this way. I am really upset about this matter. I am a hard worker I don't intend to commit fraud or lie to anyone. Please help me. I can not pay for a debt that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, and Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : Inquiries ; XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX, XXXX  XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am submitting this request due to a late payment reporting on XX/XX/2022 on my account # XXXX. 
I want you to know that I understand my financial obligations. I have been a long-time customer and making payments on-time is a major priority for me. I made a mistake in falling behind. Unfortunately, during that time in the beginning of 2022 is when everyone was getting XXXX due to the second wave. At the time I was out of work and unable to even get out of bed. Since I already have XXXX, I got sick very badly and almost went to the hospital. As soon as I got back up and working I paid this off immediately and notified your customer service team. 
Also, since then, I have made 100 % payments on time and I'm more than halfway done with paying off the loan. I made this payment as soon as I was able and had hoped my credit score would reflect my changed circumstance but this late payment is continuing to do damage on not only my credit score, but my future goals as well. 
Im planning to apply for a mortgage as now thanks to your company 's help I was able to get my finances in order and I have my own successful business. It has come to my attention that the this late payment on my record will hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$800.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$740.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  accounts, XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX Employer : XXXX XXXX XXXX Date Updated : XX/XX/2018
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failure to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where Experian has neither corrected or 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 Experian 's inaction violates Federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) and pursuant to the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ), I am writing to formally request the removal of certain information from my credit report. I am a victim of XXXX XXXX, specifically debt bondage, and as such, the debt listed below falls under trafficking-related debt.

In accordance with section 605C of the Fair Credit Reporting Act ( FCRA ), I kindly request that you block and delete the following information from my credit report within four business days : Account Name : Department of Education XXXX Balance : {$79000.00} Enclosed with this letter, you will find documentation from an advocacy group assisting me due to my status as a human trafficking victim, which supports my request for the removal of this information. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and inform me when the requested information has been blocked and deleted from my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation from XXXX. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that is not abiding the law. 
The delinquent payments shown on my credit report XX/XX/XXXX was a result of my job loss due to XXXX. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the XXXX crisis under these circumstances. Please update this information to PAID/AGREED for the following time period. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

This complaint is against Citibank , N.A . due to the institution 's failure to issue a {$2000.00} credit balance refund. 

On or about XX/XX/XXXX, a debit card payment was made to a third-party, XXXX XXXX/XXXX XXXX XXXX and on or about XX/XX/XXXX, a refund for the same amount was issued to my Citibank debit card ending in XXXX. 

The problem is that the checking account associated with said debit card was closed days earlier ( the merchant issuing the refund was unaware ). Since the time of the refund, I have contacted Citibank Customer Service no less than five times, having spoken with at least two supervisors who have promised to have the refund of {$2000.00} sent to me by check in the mail. 

It has been a month and this institution has failed to resolve this matter satisfactorily. I request the assistance of the Consumer Financial Protection Bureau to rectify this matter as soon as humanly possible.
Product: Consumer Loan

I had a load with a company called navigator and they went out of business. then a company called flagship bought the account. I had some late payments in the past. I got back on track and made my payments on time. Now that I come to the end of the loan I asked how much I owed then I was told and was sent out that the total amount do is {$670.00} and my payments or current. Then I was told I owe XXXX the paper work shows that I had XXXX left as of XXXX/XXXX/2016 then reported me late to the credit burial. All I have left is XXXX payment.
Product: Checking or savings account

Starting in the month of XX/XX/2022 on my Suntrust/Truist bank account they charged an overdraft fee that was not legit that caused the account to overdraw and then every subsequent charge that day also had a fee. There would have been a total of five charges that day that would have cleared and not have overdrawn the account. When I called the bank they say to call corporate and corporate ignored me and said the charges were legit. I went into the location and the woman I met with agreed these charges were not right but could only refund one of the 5 disputed {$38.00} charges on the business and 1 {$36.00} on my personal and said the manager would have to do the rest but he won't call me and has yet to do so and they have done this again in XX/XX/2022 also on this account and on my personal account. No one is willing to resolve and can not even get the debit card for an account I have with them sent to me.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX  Balance : {$2200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have mailed letters to Vance & Huffman Llc as well as spoke on the phone with the company stating I need validation of this debt they claim I owe. I have yet to receive a contract with my signature, nor have I received any form of mail correspondence pertaining to this debt. They are reporting on my credit which effects my employment. I spoke to the original creditor and was told that I have a XXXX balance with the company. I request that this account be closed and removed from my credit due to the fact I don't owe this debt and the company has failed to provide any documentation which is a violation of the Fair Debt Collection Practices Act.
Product: Prepaid card

The recovery rebate relief was transferred to my credit karma account savings account and then I tried trying to login to my account and they said they closed my account and I never received my credit for the taxes XXXX $ and I have proof I have the taxes receipt but never received my money.
Product: Credit card

I was a member of Costco. I did not need their service and let the membership expire at the end of the first year. Near the end of my membership, Costco switched from XXXX XXXX to Citi XXXX. I received a card in the mail without asking for it. I did not want the card. I called Costco and told them I was not renewing my membership and that I did not want the card. Costco said I would have to call Citi. I did, and told them I did not want the card ( which I had destroyed ). 
I later received a bill from Citi. I called Citi and told them that I had not activated the card and did not want it. I told them to reverse the charges on the card - which includes a {$37.00} late fee. I returned the billing stub with the same request. 
Soon after I began receiving calls at my office asking me to check my online account. These calls come nearly every day. 
I recently received another bill from Citi. I do not understand ( except in the light of the issues at XXXX XXXX ) why they will not close the account and move on. This is harassment and I have no intent to pay.