23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Navy federal Credit Union froze my entire account on a a weekend and did not have security agents available to unfreeze my account until Monday morning. Subsequently, I was forced to leave my car on the side of the road and walk miles home with bare feet ( I was wearing heels ). I could not even get a drink of water.Someone could loose their life! I live in a very rural area and a gas station or place to get help is few and far between. I was in so much pain by the time that I got to my home due to the the prior XXXX I had on my XXXX. I was literally in excruciating pain by the time I made it home. I could not believe that the institution that I entrusted with all my hard earned money told me that they could not help me. i cried and explained that I was on the side of the road and my car had tun out of gas. Why, I screamed. I have over XXXX cash in your account? No help! I pray that someone reading this mandates that if an account is frozen over the weekend, banks have employees available to unfreeze the account. 

First thing Monday morning I called Navy Federal Bank to figure out what was going on. I was very upset and still in pain. I explained everything that i had been through. The manager said that all of this happened to me because I deposited a check in the amount of {$750.00} into my account that was " flagged '' as a suspicious check. I then explained to the manager that they only made available {$200.00} out of that check ( which is a good check from my fiance 's boss ) and that I already had an available balance of {$1500.00} prior to depositing that check. Why in the world would you freeze and entire account, rather that just waiting for the check to clear. I said? In my heart, I knew that what they did was wrong and they caused me personal harm. When I hung up the phone, I was told that my account was unfrozen. I am deadly afraid to have any money in Navy Federal Bank anymore! 
Wait!!!! Here comes the worse part!!!!!! 
They took XXXX out of my money!!!! Keep in mind, the only money available from the deposit of the check ( good check ) was {$200.00}. They took that and then froze XXXX of my money. After me telling them what I went through the day before. How can they justify holding a check and making me incapable of paying my credit card payment in full today with my cash? This is wrong! Someone please help me. it is due on the XXXX. Today is the XXXX! My credit score is at risk of being damaged. I always pay my bill in full, I should have XXXX in my account and they took XXXX for a check that was being held anyway. Please Help me.
Product: Debt collection

I am unaware of these two ( 2 ) debts. I did not have the opportunity to dispute this debt before appearing on my consumer report. I did not receive proper notification. If in fact, you believe I received proper notification please provide the certified mail with a receipt with my signature on there stating that I received it at least five days before it appeared on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with Consumer Portfolio that has been paid since XXXX.2013. The company agreed to remove this account upon me paying it and it still has n't been removed. I would like this account removed it is closed and paid.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app parentheses ( 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. ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I've paid commenity Bank ( XXXX ) card off to a XXXX balance but they still are reporting on my credit report past due and missed payments. They are really damaging my report for this.
Product: Credit reporting

several years ago I was admitted to XXXX XXXX in XXXX. There was a balance which was sent to collections at that time. since then, the same balance is listed by more than XXXX collection agency and keeps being renewed although this was I believe 2009.
Product: Money transfer, virtual currency, or money service

| 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 | seek appropriate redress 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 | seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have XXXX accounts with navy federal credit union, XXXX XXXX and XXXX XXXX and I spoke with them about payment extensions when I was in the hospital for XXXX. I was able to get the extensions but they have reported missed payments to the credit reporting bureaus.
Product: Checking or savings account

XX/XX/2018 i realized about a fraudulent transaction on my saving account that took place just the day before XX/XX/2018, it was XXXX dollars. I inmediatly called to report it, they told to me that i should sign a form in order to get a temporary reimbursment while they investigated such activity, they advised me to go by a sucursal to close and open a new account. I went to the bank, the banker told me to replace both checking and saving accounts since he had found 2 fraudulent transaction on my checking account as well from XX/XX/2018, he called to report this and at the end they said they could not credit the transaction of XXXX dollars since i was responsable for any transaction that occur more than 60 days. All in all they have manipulated this problem to their convenience, i dont understand their decision because i reported it in less than 24 hours. They credited {$30.00} to the checking account and {$5.00} to the saving account that i really not know about this XXXX dollars because i never signed any affidavit for this amount. I think they have violated my rights as a consumer, i hope i can solve this problem with your cooperation and not have to look for legal representation, thank you so much for taking my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold my house located on XXXX XXXX XXXX, XXXX, ga, XXXX on XX/XX/2019.

1 ) my Payment history was never reported correctly by Experian, XXXX, XXXX for my Payments to XXXX and XXXX XXXX.

With both companies, I was in a loan modification program where payments were modified / delayed ; yet I was reported late. Very late by all 3 credit reporting services.

2 ) please contact XXXX, Experian, XXXX to correct their reporting of me - again, not late, but in a modification program.
Product: Credit reporting

Equifax reported false information on my credit. My XXXX mortgage account was never late. They received information on the behalf of the military. They neglected to remove this information from my report. I need this removed from my report. They need to remove XXXX lateness from my report.
Product: Debt collection

I received a notification from Second Round LLC in XX/XX/XXXX stating that an alleged account in my name had been turned over to Second Round LLC as of XX/XX/XXXX. 

I never received notification from Second Round LLC or XXXX prior to initiating a dispute with them. Second Round LLC was put on my credit reports with all 3 credit bureaus prior to me having the chance to dispute it due to not receiving prior notification. 

When I did receive another letter it was a stall letter asking me to provide information that they should have if the supposed debt is really mine. 

I sent a letter to Second Round LLC on XX/XX/XXXX requesting that they provide me with the following information : COMPLETE PAYMENT HISTORY, THE REQUIREMENT OF WHICH HAS BEEN ESTABLISHED VIA XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX. XXXX. XXXX XXXX AND AGREEMENT THAT BEARS THE SIGNATURE OF THE ALLEGED DEBTOR WHEREIN SHE AGREED TO PAY THE ORIGINAL CREDITOR. 

LETTER OF SALE OR ASSIGNMENT FROM THE ORIGINAL CREDITOR TO YOUR COMPANY. ( AGREEMENT WITH YOUR CLIENT THAT GRANTS YOU THE AUTHORITY TO COLLECT ON THIS ALLEGED DEBT. ) INTIMATE KNOWLEDGE OF THE CREATION OF THE DEBT BY YOU, THE COLLECTION AGENCY. 

They have not provided me with anything but a couple of statements from the original creditor. 

That is not what I requested. I have attached a copy of the letter I sent for your reference.
Product: Mortgage

My wife and I bought a home at XXXX XXXX XXXX, XXXX XXXX , Oregon in 2002. We bought it for {$81000.00}, and a payment of {$720.00} at 7.5 interest. My wife left me about 2 years ago and refuse to pay anything on this house. She did sign over a quit-claim deed. I went to my mortgage company, Freedom Mortgage, and ask if I could apply for a hardship program due to loss of income from my wife. I am XXXX years old, XXXX on Social Security income only, a XXXX veteran and a XXXX I suffered in a car accident when I turned XXXX. The mortgage company put me on trial basis and lowered my payments per month at {$590.00} per month. I have always paid what was required every month without missing one payment, but they are saying in one of their letters they have not received any payment - that is not true, they received the lesser payment required of me to pay. During this time, the mortgage co., kept adding on extra charges per month the difference between the trial payment to the original payment. When I asked them about this extra charges, they told me not to worry about it. When the modification came for me to sign, it requires my wife 's signature to go through because her name is on the mortgage contract and she refused to sign. When I asked could my name be listed only on these papers because she gave me a quit-claim deed. They told me they could and re-issued me new papers with just my name, I went to the housing authority and had this papers signed, notarized and sent back. In one of their letters they denied my modification as they say I did not send in the paperwork signed and assisted by HUD. That is not true! I sent them the paperwork on schedule. 5 months later they come to me and tell me they still require her signature and if she does not sign, I am going to go into foreclosure, because adding the difference between my trial payment to the original payment, I am delinquent with my mortgage and owe them {$5300.00} and if I do n't pay this amount up to par by XXXX XXXX, they are going to start foreclosure procedures on me. My home right now I owe is {$63000.00} and I feel what this mortgage co., has done to me is unfair practices. I need help!
Product: Debt collection

i recently requested a copy of my most recent credit report. I noticed a collection account placed on my credit report that was listed as charged off and had been placed in collection. At this point i sent the collection agency a letter requesting validation of the alleged debt, because i was unaware of any outstanding medical bills that i owe, and i requested detailed break down. I also indicated in the letter that i am allowed under HIPPA law to protect my privacy and medical records from any XXXX parties. Because i did not give permission to have my file released. The collection agency then sent me a validation letter, with an enclosed statement from the original creditor XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the Experian 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 inquiry that reporting on my credit report. Since this is a strict violation of FCRA laws I need the inquiry removed from my file as soon as possible. 
XXXX XXXX XXXX : {$0.00}.
Product: Payday loan, title loan, or personal loan

My loan agreement was dated XXXX I took out a title loan, and upon making my first few payments, i asked what my balance was. The amount i was given, was higher than the initial loan amount. I payed over the payment amount of {$170.00} each time. I paid {$200.00}, {$200.00}, and {$240.00}. 
When i applied for the loan, and signed everything on the computer, i had no idea of what i was getting myself into. I had no idea, until i complained, and they explained to me that my monthly payment had to be accompanied by a daily fee of {$5.00} and some change. 
My complaint is that title max charges predatory fees. I complained to the attorney general, and upon them looking into the complaint, called me and told me that even though it is predatory, I needed to complain to the legislators to get something done. They said that they counld not do anything about the issue. I did take out this loan, but i had no idea that i had to pay a monthly fee of {$170.00} plus over {$5.00} daily each month, and that anything paid over that amount would count toward my principal. 
I caught the XXXX XXXX, as well as lost my job, and the interest never stopped.
Product: Debt collection

XXXX XXXX from oracle financial group called me stating someone had filed a complaint about me and telling me to verify my last four digit of my social without verification. I asked who he was calling from and that I was n't going to answer any questions they asked me. He told me no worries he was going to call my parents to give me the message and clicked. My dad received the call and he stated that he was an attorney and asked my father if he spoke English, immediately once my dad told him he did n't speak English, he told my dad to learn English or to get someone who speaks English. After that my husband called XXXX XXXX and try to get some information. My husband asked if he was calling from an attorneys office and he stated no. So why would he tell my dad he was an attorney. He also told my husband he was n't going to stop calling me that he was going to call everyday and harass me. I called them myself and spoke to a XXXX XXXX. I told him to send me verification about the deft and in the letter it is the wrong amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave Experian or its XXXX Experian solution Services any written consent to report anything on my consumer report. NO consent is IDENTITY THEFT Pursuant to 15 US Code 1681B- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) ANY consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
I never gave Experian or its XXXX Experian solution Services any written consent to report anything on my consumer report FTC Complaint number is XXXX IF Experian representive thinks I received goods the representative must sign under penalty and perjury that his/her statement is true and they must also provide their proof of claim to make it accurate and factual
Product: Credit card

On XXXX XXXX we requested payment to Merchant XXXX XXXX  of {$8900.00}. On XX/XX/XXXX my husband didnt recognize XXXX  so they did a credit adjustment, I immediately call on XX/XX/XXXX and the did a debit adjustment. The merchant claims they didnt receive payment, so thats why they billed me in XXXX for XXXX plus late charge of XXXX. The merchant sent bank processors information show a charge back on XX/XX/year> due to Merchant losing dispute. US Bank will not trace the money trail. The lawyer said it can be traced, also visa/mastercard processors said it can be traced but US Bank only says they sent but wont give proof. US Bank has the money, why did merchants bank produce the processors paper trail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per Experian Email for my free credit report : Experian Membership ID # XXXX Member Sign In XXXX, review your credit report & FICO Score Your credit report and score are now ready. Its important to regularly review this info to check for any early signs of identity theft. Plus, itll help you stay aware of where you stand today. 
Review now >> And pressing the review now : usa.experian.com - Access Denied Error code 16 This request was blocked by the security rules XX/XX/2019 XXXX UTC Your IPXXXX |Proxy IPXXXX ( ID XXXX ) Incident ID : XXXX +++++++++++++++++++++++++++++++++++++++++++++++++++++++ Experian security denies me my free credit report - I have asked for it twice and submitted complaints that it was never mailed. 
Attempting to suggest i could have internet access to get my report is Fraud and law enforcement should be called. 
Experian discriminated against my XXXX IP number - there is no way for internat access. 
In fact, I can NOT even change my password. Leaving another security violation. 
Experian owes my a free credit report- my Mail only - since they have excluded me from their internet access. 
I have requested this since XX/XX/XXXX - where is it? Experian continues to break federal law and should be punished.
Product: Mortgage

I had a previous request from Mr Cooper concerning their report prior to the transfer of the loan. The response I got back saying every thing had checked out appeared to be correct. But after finding out I'm still able to log onto their system ( Website ) and download payments made and posted along with other account information, the downloading of a relevant monthly statement confirmed what I had forgot during the XX/XX/XXXX to XXXX payment period. The downloaded statement has " POSTED PAYMENTS '' on it. Looking at those posted payment, it verifies that during that same period, I had made about eleven payments one for each of the recorded months. All were payments made for the previous month, meaning they were 30 days behind, but consistency on each of the listed months from XX/XX/XXXX to XX/XX/XXXX. Each of these payments were accepted once made and though a month behind, they payments were showing an current account. The downloaded document list all the payments as " POSTED '' - Looking at the credit report on XXXX it is not showing each of the listed payments being POSTED. It is showing four of them being " OK '' and that OK is in between a " 60 '' with there being there being 5 each of the posted " 60 '' nearly aOK, then, 60, then OK, etc.. In discussing this today, the question is was the credit posting not reflecting the Downloaded document posting. And how or why could a " 60 '' be put in between an OK, and for every other ... Why is the credit listing not showing what the " POSTED '' document is showing. Comparing this to the Document I received from XXXX, the XXXX  document follows the " Posted '' document. And neither document has the actual posted payment showing a double amount, as to show that a Suspense holding was being used. None of my statements or anything else shows anything being held or put in a suspense account. The initial 30 day late should have simply moved forward on each payment that filled the previous month. With nothing in the statements or anything from my experience indicating each that of the payments that were made, were not posted or accepted within that same month. How could something otherwise be used and how could a " 60 '' late be recorded, where there was a monthly payment made and as the document indicates, the payments were POSTED.
Product: Credit reporting or other personal consumer reports

I recently seen my credit report and didn't recognize some of these accounts was on my report. I think these accounts are fraudulent and I have know knowledge of ever applying with these companies please remove all Inquires that doesn't belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please I ask that these companies Remove these items TOMORROW Because from my understanding that these reporting agencies by law are supposed to report accurate and factual Information to my report.
Product: Debt collection

Midland Credit Management is a company, that I have never done business with, but allegedly purchased old debt which is beyond the statute of limitations. I received a call from Midland Credit Management in XXXX, XXXX, I refused to speak to the representative and disconnected the call. 

On XX/XX/2021, I contacted Midland Credit to obtain their fax number to submit a cease and desist letter without discussing anything pertaining to any accounts. I received a letter dated XX/XX/2021, stating that they have opened an investigation regarding your recent dispute. However, I have never disputed, or requested an investigation. I believe that this is an act of fraud, and harassment as I sent this company a cease and desist for all forms of communication.
Product: Debt collection

I need your help please!! I continue to receive harassing calls from a company called XXXX XXXX XXXX XXXX. They claim to be representing HSBC Credit Card Services and stated that they were hired to collect on a debt in the amount of {$2200.00}. They have called my family several times regarding this matter. They could not give me the account number or the date the account was opened. I called XXXX XXXX and spoke with a young lady named XXXX who informed me that they did not hire XXXX XXXX XXXX  or any company to represent them. In fact, they stated that my account was closed when they sold my account to XXXX XXXX XXXX. On XX/XX/XXXX I then contacted XXXX XXXX XXXX XXXX ( XXXX XXXX ) and she told me that my account was closed in XX/XX/XXXX when I filed bankruptcy. My bankruptcy was discharged by the state of Texas. XXXX XXXX XXXX advised me to file a police report due to the constant harassment and what they believe is fraud. I called XXXX XXXX XXXX again to let the rep XXXX XXXX know that neither XXXX or XXXX XXXX XXXX claims to have hired them. Well, XXXX proceeded to transfer me to her supervisor who started yelling at me saying " you owe this debt '' and became belligerent to the point where I had to hang up on him and block the number. These people have all of my personal information and continue to harass me daily. They call from different numbers and although I have blocked several of them ... they continue to call. I tried to reason with these people but they're not listening and will not stop harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account " XXXX XXXX XXXX '' with the balance of {$1100.00} 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 or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX