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 an 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 action have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

so in XX/XX/year> my son had severe stomach ache and we took him to the ER where he was examined and at the checking desk we had provided all the necessary billing information and the insurance information but for some reason which we are unaware of the hospital did not takedown the correct information or did not keep a correct record of all the documents as now after almost XXXX years they are sending letters through a debt collector to collect the debt which we were not aware of and even though if they would have billed the insurance the amount owed should not be what they are asking for the amount owed as of their records is {$2900.00} but if they would have billed the insurance this should be taken care of by the insurance and we would have just been responsible the pay the co pay we don't mind paying as we agree that we did use the services please advise
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

On XXXX XXXX, 2016, I paid a bill to ( what I thought ) fedloan.org from my XXXX XXXX XXXX. Turns out the payment went to Navient Servicing with account number XXXX. XXXX ( subcontractor to XXXX ) made calls to Navient whereas they assured XXXX that the payment would have been transferred approximately 4 business days ago. On this day, the payment is still in limbo with Navient.
Product: Money transfer, virtual currency, or money service

An account was opened with Greensky Trade Credit by XXXX XXXX of XXXX XXXX XXXX. The account was in my name and was to be used for installation of a new roof on our home. I HAD NOT signed a contract with XXXX XXXX XXXX and was investigating all options of financing the roof. The account was approved for the amount of the project and only allowed to be used for XXXX XXXX XXXX. I did not sign an application, nor did I sign loan documents. It has since come to my knowledge that there are signed documents. I have requested those documents, as I did not sign them. They HAVE NOT been furnished by Greensky. On the day it was approved, XXXX XXXX asked me for my account number. I did not authorize him to access the account, and did not know that was his intention. I had not printed out loan documents and had not had the opportunity to read the very ambiguous language in the first line of their contract. When I provided XXXX XXXX the account number it was the wrong account number. I tried to use the same account number to log into the account, and was denied access. However, XXXX XXXX, using the same incorrect account number, was able to get into the account and took {$14000.00}. I contacted XXXX XXXX immediately upon this coming to my attention. He said he 'd " only asked for a dollar and was testing the system. '' Greensky denied that that was what XXXX XXXX had done. It took two weeks and a threat to report XXXX XXXX to the authorities before {$10000.00} was returned to the account. Greensky and XXXX XXXX decided to hold back the other {$4900.00} for materials, without asking if that is the monies I would be using for this project. XXXX XXXX knew why he was doing this, and as we subsequently came to find out, under one percent of the roof was installed correctly. We have leaks in the master bedroom, exhaust factors were not taken into consideration, our gutters were damaged, and the soffits were rebuilt with the wrong material and not painted. The roof needs a complete tear down and a new roof put on. XXXX XXXX left the job on XX/XX/XXXX, 2017, and has not returned to the project, nor tried to make remedies to these damages. I have been informed by XXXX, the shingle manufacturer that the roof was not installed per their application instructions and can not be warrantied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX, and showed them on their online portal that my loan was paid in full for the Month they claimed I was 30 days late, I 've been paying this loan off faster then the amortization schedule is set for this loan. So needless to say it would be impossible for me to be late. On XXXX internal system is says they received a payment for the month in question, however, they did not do anything to correct this on my credit score. I then set up an investigation with the credit reporting agency, the conclusion of the investigation resulted in an " update '' however they did not update anything. I was not late on this account and this late payment is heavily impacting my credit and the ability to get refinancing for my student loans which are crushing me financially. My monthly payment is XXXX dollars I 've been making payments of over XXXX dollars a month.
Product: Debt collection

Acima is still trying to collect a debt that discharged in Bankruptcy.
Product: Debt collection

We rented an apartment on XXXX XXXX XXXX XXXX XXXX # XXXX XXXX mn XXXXWe were XXXX people and we paid the rent on time until we moved out, when we moved out they found few damaged things on the kictchen and they wanted us to pay {$710.00} dollars and they all refused and they went ahead and put all this money on my credit alone, now am trying to rent aplace and this credit agency by the name hunter Warfield phone XXXX they are threatening me that l alone am responsible for this amount, why do n't they give my share since we were XXXX people who used to live on the apartment, the manager of the property as said he as nothing do do with this amount and they have spoken to the place a want to rent because I was a good tenant and they have refused. This is not a good business act to me, they are acting rude to me and punishing me .I need help so that this thing can be removed from record
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a PNC Bank Secured Card in XX/XX/2015 that was closed however up until the Data Breach with the Credit Bureaus it was still showing building my Credit. Credit is very important to me & I contacted the Credit Bureaus & they said I needed a reinsertion letter. I contacted the Executive Office at PNC Bank & was not able to get this resolved. The next step would be to File a Lawsuit against the Credit Bureaus & PNC Bank
Product: Student loan

On XX/XX/2023, at XXXX, I contacted Aidvantage via telephone to request a one ( XXXX ) time forbearance for one ( XXXX ) month. The representative was unsure of my request and placed me on hold to consult with another representative. After returning to the call, the representative stated I was unable to do so because it was 30 days before my next due date. I informed the representative I had done this in the past and the information she provided was incorrect. She placed me on hold again to consult with another representative in which she returned to the line and told me I was indeed correct and could so and processed the XXXX time forbearance which generated a new due date of XX/XX/2023 ; however, once I got off the phone and looked back on the Aidvantage system it appears the process was not actually done correctly and the information was not updated in the system.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CARES Act and Credit Reports states ...... If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX and 120 days after XX/XX/XXXX or 120 days after the COVID-19 national emergency ends. XXXX XXXX XXXX XXXX XXXX COMENITY CAPITIAL BANK/ ZALE is reporting a late payment to my credit report however I made payments during that time frame of the payment arrangement. I had follow all steps of making a valid payment arrangement via the cares act with this company during the con reed periods however the company is still reporting inaccurately to all 3 of the national credit agencies I was current before and after that time also. you are current on payments and make special arrangements, creditors must report the account as current. Late and missed payments CAN NOT be reported if you have already made arrangements.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute an inaccurately reported charge-off account associated with XXXX on my Equifax credit report. The creditor has failed to substantiate or validate this charge-off in compliance with federal laws and regulations, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : The FCRA requires creditors to report accurate and verifiable information. The reporting of this charge-off account lacks adequate substantiation, as no documentation proving the validity of the debt has been provided.

Internal Revenue Code, 26 U.S.C. 6050P : When an account is deemed uncollectible and charged off, the creditor is obligated to issue a 1099-C form for cancellation of debt if the forgiven amount meets the reporting threshold. In this case, no 1099-C form has been issued, which raises doubts about the legitimacy of the charge-off. 

Consumer Financial Protection Bureau ( CFPB ) Guidelines : Under CFPB rules, creditors are required to ensure fair, accurate, and substantiated credit reporting practices. Reporting this account as a charge-off without proof of its validity may constitute an unfair and deceptive practice in violation of the Dodd-Frank Act, 12 U.S.C. 5531.
Product: Student loan

After being XXXX then leaving a bad relationship, as a single mom who just had my XXXX XXXX XXXX XXXX XXXX I went by the school on a whim because I couldn't find a job anywhere after being fired from my job too. I was struggling with XXXX XXXX XXXX XXXX  and told the lady everything and just wanted information but by the time I left I had been promised a job if I just did 10 months of night classes. The financial aid was never even spoken about. I just signed papers and went to school. I graduated but never got a diploma and ended up getting worse in XXXX  and XXXX again. I was never given a job or diploma even though I did graduate. Fast forward to now about 17 years later and I am stable and decade of XXXX and working full time raising my XXXX yr old and XXXX yr old solo, and I have these predatory loans and no way to reach the school because it was shut down then the owners XXXX and I never worked a day in the XXXX XXXX XXXXXXXX  I wasted 10.months and owe over XXXX but many students sued the school and I had no idea. I want my loans forgiveness. I was preyed upon and lied too and possibly more rip offs happening because I have no idea how it works and I know evil powers are her shutting you down and I am so afraid and alone and terrified they will garnish me or I can never own my parents home because of this fraud. It's unreal and I need help if you ever get to return and fight for the people like you were doing, like I want my tax dollars to go towards the. I am begging for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance win the Fair Credit Reporting act. The List or accounts below nas violated my rederally protected consumer rignts 10 privacy and confidentiality under 15 USC 1681. 
Account name : Account Number # XXXXXXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX  Account name XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account name : XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX  Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX Account name : XXXX XXXXXXXX Account name : XXXX XXXX  Account name : XXXX XXXX Account name:XXXX XXXX XXXX Account name : XXXXXXXX XXXX Account name : XXXX XXXX XXXX Accont name : XXXX XXXX  XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Vehicle loan or lease

I reached out to XXXX XXXX XXXX XXXX XXXX and Kia Motors America in regards of my fraudulent contract I signed for my XXXX XXXX XXXX. Under the federal law, it states these dealers can not mix cash with credit. I paid him XXXX in total for my down payment because my credit was not as great as I was told by the dealer. Reading the contra the bank gave me a loan for the amount of my car and insurance. I was demanded to get separate insurance and I was not offered insurance within the contract but the contract says not N/A. Which is also false and fraudulent. I have my contract, documents, and payment proof that I paid for this car. I demand my titles to my car that I also paid for in the contract that I did not receive. I demand my car be paid off and marked XXXX good standing to all credit agencies. I demand my cash down payment I paid to XXXX XXXX XXXX in Tennessee. I also demand my debit/ credit Car payments back from Kia Motors Finance XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to Inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on the 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 Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for the violations.
Product: Debt collection

I received a call from a person who did not identify them self or the company they worked for and informed me, that I owed XXXX bank money for a credit card. I informed the person on the line that, I have never had a XXXX credit card and that- if I was to pay the card she must provide me with some proof that I owed that money. I was informed that I opened the card in XX/XX/XXXX and must make arrangements to pay or I would be taken to court for the payment. I responded, " I have never had an XXXX credit card. I do not know who you are and what company you are calling from. If you want to get any money from me send something in writing or take me to court. Because, I know I have never had a XXXX credit card. '' I had not heard nor received any thing from this person who did not identify herself or the company she was representing until. I was served with a court summon that I was being sued by XXXX as Bank of assignee of XXXX XXXX XXXX XXXX XXXX, XXXX./XXXX , XXXX The problem I have with this is : 1 ) the person who initially called me misrepresented herself and the company in which the debt was owed. 2 ) XX/XX/XXXX, XXXX wrote off this bill. Thus leaving a balance of zero owed. 3 ) The original bill of sale was from XXXX XXXX XXXX to XXXX XXXX XXXX, XXXX 4 ) The XXXX bill of sale was to XXXX. 5 ) XXXX has no documents with my signature proving that this is a valid bill that belongs to me in the court documents filed. They purchased the loan XX/XX/XXXX. Why has it taken 3 years to contact me regarding a bill that they say I owe. I have received no correspondence from this agency regarding this bill. I have had the same phone number for the last 4 years. 6 ) This bill was sold and purchased in XXXX, I am not sure if they are legally able to operate in the state of XXXX.
Product: Checking or savings account

Had a one year XXXX that matured XX/XX/21 that had an interest rate of 1.85 % apy or 1.833 % daily rate. Rec 'd the banks check today and the amount is not correct if you multiply the initial deposit by the interest rate. 

The bank has made an error in calculating the interest. I called them today and they would not discuss the matter with me other than to say that their calculations are correct. 
I asked that they email their calculations to me for my review but they refused. 

Please contact this bank to rectify their error. The bank is BMO Harris, an online bank. 

Thank you
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block Inc ) due to inaccurate 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 the violations.
Product: Credit card

First time late fee charge of {$XXXX} on XXXX XXXX XXXX Credit Card issued by Comenity Capital Bank. When I called on XX/XX/year> to have it waived, the XXXX stated XXXX 's policy was they could only waive {$XXXX} in late fees every XXXX   months. I asked to speak with the XXXX. XXXX repeated that they could only offer a credit of {$XXXX}. After her repeated insistence I accepted but asked to see where this was written in the terms and conditions. When both the XXXX and I reviewed the credit card statement that included the late fee, language in direct contradiction to the verbal statements of both reps was found as follows. " IMPORTANT INFORMATION ABOUT LATE FEE CREDITS We may occasionally provide a credit for the amount, part or all, of a late fee charged to your account. If we do, we will charge a fee of up to {$XXXX} for any subsequent late payment. In addition, we may reverse the credit and repost the charge to your account if you fail to make the minimum payment due on or before the due date in the next billing period. '' I repeated that I wanted a credit for ALL of the late fee and the manager put me on hold. Upon returning to the call, she waived the entire late fee of {$XXXX}. This entire interaction took XXXX minutes by phone and was entirely unnecessary per the bank 's own language. I am complaining about XXXX issues. First, the late fee charged for the first time missing a payment is excessive at {$XXXX}. Second, when interacting with Comenity Capital Bank representatives via phone, they provided inaccurate and blatantly false information regarding the late fee terms and conditions written on the statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information being reported to credit agencies. Reported that account is 120 plus days late. Account was in good standing, now is paid in full. Multiple calls get no response.
Product: Mortgage

This credit union is offering rates and " customized '' quotes on their website, but the actual rates and lender fees are significantly higher than offered, and what the website prompts you to apply for. The loan officer had no explanation for why the actual rates are .25-50 higher, plus discount points added. 

The credit union adversely impacted my credit rating by inquiring to the credit bureaus under the false pretenses of offering a rate and closing fees that they were not willing to lend at.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've already filed a police report ; and let the agency know that this was identity theft ; yet I get the dispute dismissed almost immediately and it is still showing on my credit report. It is clear that XXXX is auto-denying disputes as I can't reach anybody on the phone that will give me more information.
Product: Credit card

on approximately XXXX XX/XX/2022 time frame I received an offer in the mail to apply for the Delta American Express Card. The offer included my delta sky miles number ( XXXX ). The offer was XXXX free miles after I spent {$2000.00}. Well I did and American Express refuse to give me my free miles.
Product: Credit reporting

EQUIFAX fails to remove the XXXX XXXX ACCOUNT. EQUIFAX reports incorrectly the date of first delinquency of this MEDICAL ACCOUNT. EQUIFAX fails to verify the authenticity of this MEDICAL ACCOUNT. EQUIFAX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted all proper documentation in reference to my Identity Theft claim on XX/XX/2020 ... and nothing has been done per FCRA section 605B in regards to identity theft. I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.