23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My loans were recently moved from XXXX to ED Financial in the summer of XXXX. I receive loan repayment through the federal government. I had a loan payment applied by the government that they servicer just applied to 1 of my 3 loans on XX/XX/XXXX. I got no notification from the loan servicer that they had received a payment. Called in XX/XX/XXXX to have the loan amount redistributed to all of the loans equally. They said they could not give me a timeframe of when this would be accomplished. They said I would need to continue making payments on the other loans until the money was redistributed. They said I would not be reimbursed these payments after money was redistributed. They also did not have accurate loan payment information of payment amounts or dates on my online portal. The representative said there was no one else I could speak to and there was nothing else she could do.
Product: Debt collection

They have called me & my wife on several occasions and never sent an initial letter stating my right to dispute. I have sent a request for validation that they have received and signed for and have yet to respond to but continue to report to XXXX XXXX which is illegal under 809 ( b ) of the FDCPA.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX ( BALANCE {$5800.00} ) 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 Thank You XXXX # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX, that you investigate these accounts. XXXX XXXX XXXX section XXXX A. States I have the right to privacy XXXX XXXX XXXX section XXXX A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : Disputed Accounts : XXXX XXXX XXXX Account # XXXX Address : XXXX XXXX BIG XXXX XXXX XXXX XXXX, MICHIGAN XXXX BALANCE : {$1000.00} XXXX XXXX Account # XXXX Address XXXX XXXX XXXX XXXX, TEXAS XXXX BALANCE : {$3000.00} XXXX XXXX XXXX Account # XXXX Address : XXXX XXXX XXXX XXXX, IL XXXX BALANCE : {$32000.00}
Product: Credit card or prepaid card

On XXXX XX/XX/2022 I received an email from notify@chime.com informing me that the email address associated with my account had been changed. The email addressed me by my mother 's name, not mine. Additionally, I was not aware I had a Chime account so I was very concerned this could be some kind of scam or phishing attack. 
That same day I replied stating this was an unauthorized change, to freeze the account, and to apprise me of the situation. 

On XX/XX/XXXX I realized I had never received a response from Chime. I resent the email to their standard support address. 

XX/XX/XXXX I received a boilerplate response that I would need to contact them from the email address associated with my account ( which was what was changed by whoever was trying to hijack my account ). Otherwise I could submit my photo, government id, and SSN to verify my identity. 

XX/XX/XXXX I responded with my refusal to provide my personal information on the basis that they had originally called my by the wrong name and I did not trust who they were. 

XX/XX/XXXX They sent another boilerplate e-mail reiterating their desire for my personal information XX/XX/XXXX I sent an email asking for my issue to be referred to a fraud or oversight department within their company, or if there was a financial regulatory organization I could contact instead of running into their brick wall of boilerplate responses. 

XX/XX/XXXX I received yet another boilerplate response stating that they need my personal information. 

Chime has refused to have any meaningful communication with me and I refuse to provide them with my personal information as I do not recall the creation of an account and they are calling me by the wrong first name. The fact remains that they have an account that was until recently connected to my email address and they have allowed a third party to take control of that account. Despite my appeals that this issue be referred to a department that can actually investigate the issues I have been refused any assistance and have received nothing but copy and pasted responses from Chime member services. 

I think my least favorite part of our e-mail chain was when Chime wrote that " We do not change our customer 's email address without receiving the confirmation and required documents to protect our customer 's account and personal information. " Which, if that was indeed the case, this issue wouldn't be occurring in the first place because this all started based on them informing me of an e-mail change, and I don't believe anyone has a picture of me holding up my id in one hand and a piece of paper with the date in the other. Nobody had that to change my email originally, and yet it was changed just the same...
Product: Credit reporting or other personal consumer reports

Per the Data Breach settlement, my information was compromised my Social Security number, account information, and personal information were intruded. The data breach incident has led to the inclusion of erroneous information in my credit report, which does not accurately reflect my financial standing. I am requesting that all data related to this breach be removed from my credit report immediately as it is not a true representation of my credit history. 

Furthermore, I would like to bring to your attention the laws and regulations that support my request for the deletion of these files. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or incomplete information on their credit reports. In cases where the information is a result of identity theft or a data breach, consumers are entitled to have such information removed promptly. 

I urge you to investigate this matter thoroughly and take the necessary steps to delete all erroneous data related to the data breach intrusion from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under XXXX XXXX. XXXX, Section XXXX, I have the right to privacy. Additionally, XXXX XXXX. XXXX, Section XXXX ( a ) ( XXXX ), specifies that a consumer reporting agency can not furnish an account without my written instructions. Furthermore, pursuant to XXXX XXXX. XXXX ( b ), a creditor XXXX not treat a payment on a credit card account under an open and consumer credit account as late for any purpose. 

These violations have adversely affected my credit report and my rights as a consumer. I request immediate rectification of these issues and appropriate actions to prevent future occurrences.
Product: Credit reporting, credit repair services, or other personal consumer reports

Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 

I have disputed this account on multiple occasions, as recently as XX/XX/2023. The information on the account is not mine. I have requested a copy of the contract with the wet signature and proof of my identification that should have been provided. I have not received this information or any response. The XXXX XXXX account XXXX does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XX/XX/XXXX, I called Americollect after seeing an email notice that my credit score went down because of a debt collection. I was shocked because I was not aware of any outstanding bills. When I called the number for the collection agency, they informed me I had an outstanding bill from a hospital visit in XXXX. However, I had never received notice of this bill. I had moved a few times, including out of state. Americollect agreed to send me a paper copy of the collection notice. They never informed me of the option of disputing the claim. Additionally, I called the hospital to inform them I had never received any notice that I had an outstanding charge from the stay. I received financial assistance for that stay ( after my insurance covered part of it ), so I was never informed of any outstanding debt.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against navy federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Mortgage

I contacted my servicer because my takes have gone down by  XXXX  since closing on the home over a year ago. This reduction should have had an immediate effect on my mortgage payment. My servicer is still continuing to charge me for a taxes at the old rate, which is almost  two y ears old.My servicer has refused to make adjustments and apply the excess amount that is in my escrow account to my principal. I have been promised this would be handled and they have refused to make adjustments. I have emailed back and forth with customer service to no avail.If my mortgage servicer is completing an escrow analysis as promised then they would have noticed there is a surplus in my account. This refusal is horrible and I need assistance. It appears the only way to reduce this is to refinance the mortgage and I will not do that. My servicer needs to be held responsible for this undue stress. This undue stress has caused me to be late on my mortgage payment and incur unnecessary late fees. All while my servicer sits with excess money in my escrow account.My hours have been cut over 7 months ago and I still make my mortgage payments. I expect them to do their job correctly. Just as they expect to receive mortgage payments
Product: Payday loan, title loan, or personal loan

Three months ago I checked my credit score and it had dropped noticeably and I wondered why? I contacted XXXX ( one source of my credit score ) and asked why? They had a " derogatory '' rating on an account I have never seen before or knew existed. It came from Debt Recovery Solutions ( DSR ) in XXXX, NY ( XXXX ) who apparently bought a past due claim from XXXX ( also in NY ). Digging into who XXXX, I learned it is a payroll advance/loan business. I filed a fraud claim with XXXX and on their advice also filed a fraud report with the XXXX XXXX, CA Sheriff 's office ( I live in XXXX XXXX ). XXXX notified me ( after they investigated my fraud claim ) that DSR had all my personnel information correct, so it must legitimate. This claim is ludicrous, completely false and fraudulent! I am a retired successful business professional. I would never need or use a payroll advance service because I am aware of their terrible reputation and I am not in need of money. I can only conclude that my personal information was somehow hacked. How can I get this removed from my credit records? Thank You for your assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information.
Product: Vehicle loan or lease

I received a car loan from Drive Time on XXXX/XXXX/XXXX. During the life of my loan I fell during some hardship hence losing my job and unable to keep up with bills. My issue with drive is this, They would call my phone three times a day and leave messages when I would not answer. I my self XXXX XXXX XXXX XXXX XXXX XXXX XXXX know that after you make contact and leave a voice mail they can not call again and they can not call three times a day. Two in XXXX of XXXX I just started my job with my current job and would not get paid for two weeks. I spoke to customer service rep whom stated that they would prevent my car from being reposed if I made a payment on XXXX/XXXX/XXXX. Then not even three days later they took the car. I then filed a complaint with BBB I was advised that they would settle the account but had to be in one lump sum they offered two weeks to pay a XXXX settlement. They advised i would receive a settlement offer which I never did. I am now seeking counsel to file a harassment law suit with the company and providing me the consumer with false and misleading information about assisting me with payment plan during my hardship and refusing me a hardship hence i was behind one payment after being on time for more than 7 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about mid XXXX I contacted XXXX who handles XXXX of my XXXX XXXX. 
I told them that I was being impacted by Covid 19 and asked if I could make a lesser payment than what was due. 
They said yes, and I paid {$100.00} on each card. 
When I called back in to do the same thing in XXXX, I was told that they had sent my file to collections, and then they reported me as 30 days late on both cards to the credit bureaus. 
The Supervisor I spoke to XXXX at XXXX said he could not help me as I was 30 days late, even though they had agreed to a partial payment. He said it was a technicality which I find astounding in the face of Covid and me voluntarily reaching out to them to make payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two days ago I called XXXX & XXXX to cancel all of the mailings I had been receiving the number of years. I got letters about business ratings. I sold my business and the current owners were getting my XXXX & XXXX letters and it was a nuisance. XXXX & XXXX would not grant my request without my giving them my SS number. I refused. There was no need for them to have it. I was doing no business with them. Today, as I checked my credit report, I see a hard inquiry from XXXX XXXX, which happens to own XXXX & XXXX. I called XXXX XXXX to dispute and was told I need a letter of deletion from XXXX. The phone # for their info takes me to the mail room. I was giving another number to call. That just put me in a run around with no human contact. I tried another number, got a person, told my story, told they did not have permission to do a hard inquiry, that I needed a letter of deletion. I was told that in order to get a letter, I needed to give them my SS #. I said NO. If they did the fraud by making a hard credit inquiry, gave themselves access to my credit history, who knows what else they could do and why would I trust them with my SS #. So I received no satisfaction what-so-ever and I am the one with the undeserved point drop in my credit score.
Product: Credit card or prepaid card

XX/XX/2019 I got a letter from ELAN FINANCIAL SERVICES THAT I WAS DUE {$37.00} is owed to be after further investing my account. My card is suppose to be closed and my account closure is in pending status. I was suppose to get my check by XX/XX/19 I never got my check. I called XX/XX/19 Customer Service stated that they never mailed by check and now I have to wait 10 business days to get my check. unacceptable.
Product: Debt collection

I paid my account directly with XXXX XXXX XXXX XXXX on XXXX XXXX and yet the collection agency is still on my credit report and shown as unpaid as of XX/XX/2021. The collection agency is still reporting wrong information and i need that to be removed. I tried to dispute it but the credit bureau also report it as accurate. THE ACCOUNT HAS BEEN PAID! 

The collection agency 's phone number is not working and unable to reach anyone over the phone and their other number is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

account status shows as charged off and however the account is settled and paid in full.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX Acct Number 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 XXXX XXXX form, leaving my acco XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was unfair and XXXX XXXXXXXX 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 approoriate redress for these violations.
Product: Credit card

Basically its all over the internet. I send my payments in 10 day prior to due date. They say they never receive it. The. They charge a late fee and then post my payment the next day. I sent my payment in XXXX out on wed the XXXX it shows posted on the XXXX I get a email her on the XXXX saying they still havent received it. This has happened a lot. The payment is due on XX/XX/XXXX a Sunday but it was cashed on the XXXX. It doesnt take 15 days to post! Ive called and they say they cant control the mail. They want me to call and give my debit card over the phone. ( that way one of the millions of operators can hike my account no thank you ) they should allow electronic payments if not they need to hire more people to do their mail!
Product: Checking or savings account

On XX/XX/year>, I wrote two checks out XXXX XXXX XXXX XXXX XXXXXXXX ) for home repairs : Check XXXX for {$2000.00} and Check XXXX for {$2100.00}. The balance in my account was {$13000.00}, enough to cover the two checks I had written. 

On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXXXX were returned as insufficient funds. When I contacted XXXX XXXX regarding the error, when they then advised me that the account had a 14-day hold on the deposit unbeknownst to me, so therefore the checks were NOT covered. I then did a WIRE TRANSFER to XXXX XXXX XXXX XXXX XXXXXXXX ) to cover the returned checks. On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXXXX and Check XXXX and paid XXXX XXXX  via Wells Fargo. 

I contacted XXXX XXXX of XXXX XXXX  who advised they DID NOT receive a credit into their account for Check XXXX {$2000.00} or Check XXXX {$2100.00}. The owner XXXX XXXX of XXXX XXXX XXXX WELLS FARGO BANK, which they advised him that they DO NOT have any history of cashing Check XXXX for {$2000.00} or Check XXXX {$2100.00}. 

I contacted XXXX XXXX  to confirm that they had indeed transferred the funds to WELLS FARGO, for which I was then provided a receipt of the CASHED CHECKS. 

I contacted the owners at XXXX SERVICES to let them know XXXX XXXX has provided proof that they credited the WELLS FARGO account XXXX {$4100.00}. The owners again advised that a credit was never received. 

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 XXXXXXXX was credited in the amount of {$4100.00} on XX/XX/year> and have failed to properly credited the XXXX XXXX