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 Eectronic 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: Money transfer, virtual currency, or money service

PayPal has permanently locked me out of my account when I have done nothing wrong and submitted all the required documents and I have XXXX sitting in limbo and need access to MY MONEY!! The email linked to the account is XXXX XXXX
Product: Student loan

On XXXX XXXX, 2017, I noticed that the monthly payment of {$810.00} I had set up originally to come out of my account on the XXXX of every month had not been taken out and a couple of the loans were past due. I called Navient to see what the issue was and they said the repayment plan was over. They never notified me that it ended. If they did it would have been through e-mail with a link to messages that does not work any time I click on it. At that time they said I could do another repayment plan, this time the payments were going to be {$860.00} instead taken out on the XXXX of every month starting XXXX XXXX, 2017, and offered no explanation as to why the payments increased. At this time I requested a repayment plan and also if they could lower the interest rate on the loans, since I was originally paying {$810.00} every month and the principal was not decreasing at all. They refused to offer me a lower interest rate. <P/>One XXXX XXXX, 2017, I checked to make sure my payment came out on the XXXX XXXX, 2017 and it had not and my loans were again past due. I called again on that date and they said that the autopay that they had set up with me on XX/XX/XXXX on the phone got denied but they never notified me. They told me to go online and set up the autopay myself which I 'm going to do for XX/XX/XXXX. <P/>At the rate this is going I will never pay this loan off, all of my payments go to interest and after almost two ( 2 ) years of making {$810.00} payments a month, the principal has not decreased at all. To me, this is egregious. They are the worst company to deal with. They do not notify me of anything and have messed my account up numerous times and never have an explanation. <P/>I would like a lower interest rate and a better accurate payment plan, but they are not interested in helping their consumers at all, just gauging them as much as they can.
Product: Debt collection

I co signed for my sisters apartment. I agreed to help her with her first year. After the first year my mom, and my sister went into the rental company, and told them to take my name off. That i didnt want to be on it for the second year, and that I wasnt going to sign again. They told my mom and sister, no worries he doesnt need to. At that point my mom offered to go on the lease with her to replace me as well. They told her she was not needed either, all payments were made on time, and my sister was fine. The rental company clearly knew I wasnt ok with being tied into the lease agreement for a second year. My sister got in legal trouble towards the emd of the lease. The rental company calls me saying i am responsible for the place and that I need to come get her stuff. I made it clear then I was to be removed from the lease. They started to argue with me so I went in in person. They told me they just wanted to get her stuff out that they were not going to come after her to collect on the lease. So I dropped it and removed her belongings from the apartment. Well a couple months later I get a bill for XXXX + dollars. I called immediately and was given the run around again. I asked for a copy of the lease they said sure come pick it up. I drove the whole way to them, and they said I cant have a copy of the lease. They also refused to give me a copy of the move out report from my sisters roomates for the first year she was there. As alot of damages that were on this bill were done by them, as well as my sister. They could not produce those documents either. I told them I wasnt responsible for the debt. I have told the collectiom agency the same story, and the gentleman on the phone tried to threaten me. Saying I will mo longer be able to buy a home, or a car with my credit of I dont pay. Which is a total lie and made me angry. I secure loans for people for a living other than this mess i have over XXXX on time payments on record without XXXX late payment. I pay MY debts. However this collection needs removed from my credit immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. Please remove them. I had disputed with the creditor as well. XXXX - Claims true identity fraud/account fraudulently opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went to a credit education class and XXXX of things i was told was to monitor my credit report. I checked my credit report for the first time in awhile and i see a few items on my credit report that are not mine. I need these items deleted from my credit report. XXXX XXXX XXXX XXXX XXXX FUNDING, XXXX XXXX, XXXX XXXX CO, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I contacted the FTC and my police department.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper investigation '' according to the FCRA The term " investigative consumer report means a consumer report or portion thereot in which intormation on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this Also, they have violated my rights even more.

In accordance with the air Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible it the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. 

They also violated the law because according to 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.

I did not give anybody written instructions.
Product: Credit card

On XX/XX/2015 I was in XXXX at a sales presentation in a neighborhood my wife and I did not feel safe. The salespeople were pressuring us heavily and we were uncomfortable and trying to find a way out of there safely. I decided to call American Express to see if we could cancel or dispute the charges if we signed the agreement and was assured this would be no problem. I was told just to contact American Express if we changed our mind. In fact American Express even approved a charge in excess of our limit. Needless to say we signed paperwork and got out of there as quick as we could. I called American Express when we got back to the hotel and explained our situation again. I was told it would be no problem and to follow up with a formal dispute when we returned to the United States. Wow what bad advice as if they would have told me how their dispute team works, I would have risked going back to the merchant and provided written notice of a cancellation request. 

What I found out after returning home is that American Express refuses to honor their promises to me. Since we provided written notice 6 days ( instead of 5 days per XXXX law ) to the merchant there is nothing they could do. They didnt care if we made the charges under duress, they didnt care if the American Express representatives mislead us. I was told they are just a middle man and if the merchant demands payment we are out of luck. I have disputed this charge multiple times with no resolution. Finally after a year I disputed the charges as fraud as I have never even received access to the timeshare in question. To my further disbelief, the merchant responded that there are no refunds and that 's the paperwork I signed and American Express accepted that answer even though no services have been offered or provided. 

So not only did American Express not honor their promise to protect me when I called immediately before and after the purchase. Now a year later they refuse to help me when I have never been delivered the services purchased. Their stance is they cant do anything. XXXX they earned foreign transaction charges and interest on and they ca n't do anything. The only reason I signed the agreement in the first place was I was assured I could reverse the charges and felt it was my safest way out of a dangerous situation!
Product: Checking or savings account

I previously made a complaint on XX/XX/XXXX which I will attach to this file. TD bank has been slacking Ive recently lost my phone had money fraudulently removed and they denied my request to receive my money back. After getting you guys the CFPB involved after XXXX days they returned my money in the form of provisional credits as a precaution I withdrew all my money from that account. After returning the credits on XX/XX/XXXX TD decided to reverse this after XXXX  days without no thorough investigation no email nothing my account is now in overdraft and to be honest I dont want to bank with TD anymore is there a way for me to get my account closed or resolve this issue?
Product: Credit reporting or other personal consumer reports

I have notified Equifax on at least XXXX different occasions in XXXX that I have been the victim of fraud. I have asked them to remove the fraudulent inquiries. On XXXX occasions they removed them and reinserted the same inquiries within 30 days. Equifax continues to violate the law and my rights. 

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the CFPB have brought to light significant concerns regarding Equifax 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C.1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request Equifax to remove the following ( XXXX ) inaccurate, unverifiable, fraudulent inquiries from my report. 

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: Payday loan, title loan, or personal loan

GoodLeap is applying different methods from month to month on how they process payments. I sent a {$50.00} payment in XX/XX/2021 with instructions to apply it to my principal. It was only applied to interest. By the load agreement, my first payment was not due until XXXX XXXX XXXX. Then in XX/XX/2021 I sent in an additional {$100.00} principal. Then on the due date they elected to only debit my account {$42.00} instead of {$140.00} and they elected to split the payment ( {$84.00} for interest and XXXX for principal for the XXXX XX/XX/2021 payments ). 
The also failed to provide me monthly statements in XXXX and XX/XX/2021 until I filed a complaint with the XXXX. For XXXX months I had no insight into how payments were being applied or my loan balance. 
When I went through the details of daily breakdown of changes, I noticed that on XXXX XX/XX/2021 my daily interest accrual went up while my loan balance and rate remained constant. This also happened on XXXX XX/XX/2021. In fact, with a lower principal than my initial opening balance my interest per day is actually higher on XXXX XXXX ( {$2.00} vs. {$2.00} at the beginning of the loan ). GoodLeap will not explain exactly what they are doing nor will they provide answers to why my account is not always up to date. I have been overcharged interest on this loan. I was effectively charged {$160.00} in interest for XXXX ( counting the {$50.00} sent in XXXX ) and the loan agreement states the XXXX payment was only to be {$140.00}.
Product: Student loan

Navient emails me to tell me to go login to their website. You can not reply to the email, and the website says ACCOUNT DISABLED. Click here to Contact Us. The Contact Us link goes to a Error - Page not Found on their website. If you do a XXXX search for Contact Us Navient, it sends you to a page on Navient that says LOG IN TO CONTACT US, you click that and attempt to login, it says ACCOUNT DISABLED. Do you see the endless LOOP here???????????????
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX  I paid {$40.00} via PayPal for 2 tickets to be sent to me via email. The seller said that a name change needed to be done on the tickets that would be {$10.00}. I asked for a screenshot for proof and they blocked my contact so that I cant contact them again. 
I have screenshots for proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has gained access to my accounts and is preventing me from making my largest transaction. I have no idea what it could be or who it could be.
Product: Credit card

I fully paid my Macys credit card bill timely in XX/XX/year> in the total amount of {$170.00} and provided proof of such payment to Macys via numerous emails to their dispute section but they have not acknowledged my payment. They continued to charge me fees and interest which I called multiple times to reverse but with no success. They further harassed me by sending the disputed charges to all the credit reporting agencies to include XXXX, XXXX and XXXX and harmed my credit. I am still getting harassed and need them to acknowledge their mistake and appropriately apply my payment back in XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized and fraudulent Inquires on my credit report. I noticed Inquires consisted of the following XXXX XX/XX/XXXX XXXX financial XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and saw that I had some accounts that wasnt mine am a victim of identity theft.XXXX XXXX  account number XXXX, XXXX  XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number XXXX and XXXX XXXX please delete these accounts immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed 4 items on my XXXX Credit Report from the following creditor : FED LOAN SERVICING Accounts ending in XXXX. XXXX, XXXX and XXXX. The items have inaccurate information in regard to past due status and history. The student loans were included in US Department of Education Fresh Start Program which required the deletion of default and negative history on rehabilitated student loans. The loan service is no longer operating to provide the updates to my credit report so how is XXXX in good faith verifying this information is accurate. In addition, these loans are reflected accurately on my XXXX and XXXX credit reports. I am including in the attachments a copy of the closed dispute from XXXX. I am also including a copy of the letter from the US Department of Education stating that these loans have been rehabilitated and I have included proof that FED LOAN Servicing is no longer operational.
Product: Credit reporting or other personal consumer reports

I recently checked my report and notice that there are inaccurate addresses, inquiries, and collection on it.
Product: Credit card or prepaid card

I called avant on XXXX XXXX to report to fraudulent transactions on my card totalling XXXX. No reg e credits have been applied to my account. I was told by an agent and a supervisor today that the don't create a case until after the ten business day, that reg e requires then to either respond to the dispute or issue the credit to investigate further. They are violating the law into the way the handle fraudulent dispute.
Product: Checking or savings account

On the morning of XX/XX/2024 ; I woke up to 4 different charges posted to my Wells Fargo Everyday Checking account from XXXX XXXX in the grand total of {$850.00}. I immediately reported my debit card as compromised on the Wells Fargo app. I set up a replacement card via XXXX XXXX and within that 5 minute span, the 4th and final charge was made. I called Wells Fargo and explained to them that these charges were not made by me and there is something wrong with both my Wells Fargo account as well as my XXXX XXXX  system, my claim was denied by Wells Fargo. I called in attempt to escalate the situation and was told You can always file a lawsuit against us by the representative
Product: Checking or savings account

I have called bank for atleast 7 days trying to figure out why I have a charge back on my account I have spent hours on the phone drove to 2 different branches all I get is put on hold transfered or hung up on they keep telling me to call back tomorrow can someone please help me get some answers thank you
Product: Vehicle loan or lease

XX/XX/XXXX I called Truist to pay off my car. had a influx of money and it was almost paid off. given a pay off amount of XXXX i paid this amount got conf number XXXX. 

i celebrated. i paid off my first car!! then XXXX i had not gotten a tile and so i called to find out how that happens. told it takes a few months to process. that if i didnt get it by XXXX to call again. i mentioned how exciting it is to pay off my car. never once was i told i still had a balance. 

then XXXX. i get a postcard in mail saying im past due by XXXX bucks ( dont have the exact number ) i thought oh, must be interest. i called and im told im past due by XXXX and change.?? i then told them that i will make a payment later that evening sinice i needed to see what was left as i thought i had paid off the car and already alloted the money elsewhere.. told that was fine. i made a XXXX dollar payment. now we get calls XXXX times a day the following week on the exact date the bill pay payment goes through and is posted ; my husband gets a call saying that if we dont make a payment that my car would be repoed. SERIOUSLY!?!??!? i called and found out why. and was told that my account has not been sent to repo department. that it was only 3 days past due. i asked to speak to repo department to verify and then moved on today XX/XX/XXXX i get an email saying im XXXX cents past due. i called to pay it to stop the harrasing calls to both myself and my husband. i am hung up on XXXX times. was not able to connect using a landline that my hearing XXXX can use. had to use my cell phone which my hearing XXXX dont like and i had a very difficult time. told im 25 days past due. and that i needed to pay XXXXand some dollars. 

i told him i want to pay what the email from them says. he would NOT accept a payment using the source that all of my payments came through. 

the numbers have never been the same. my husband gets different numbers. there is no communication. i have no faith that i will get a title. or be able to pay off the car with the different numbers im given each time.
Product: Debt collection

I owed a debt to XXXX to close my cell phone account ( approx. {$200.00} ) I PAID XXXX DIRECTLY via their online portal. 
I now see this company " Convergent Outsourcing '' has posted a XXXX collection on MY credit reports. But I do not know " Convergent Outsourcing '' I never paid THEM anything. I only know XXXX, and I paid XXXX directly so there should NOT be any collections showed on my credit report for this XXXX matter and definitely NOT Convergent Outsourcing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a charged off account from World XXXX XXXX that has been on my credit report as a charge off since XX/XX/XXXX The account was opened on XX/XX/XXXX for an amount borrowed of {$320.00} dollars. 
From the original charge off date up until XX/XX/XXXX the amount was reported as {$320.00} dollars On XX/XX/XXXX my credit report reflected World XXXX had suddenly increased the amount charged off and my credit report worded it as the following : " Balance Increased by {$2600.00} '' I disputed this with XXXX on XX/XX/XXXX and on XX/XX/XXXX my credit report reflected a decrease in balance in the amt of {$2600.00} However, on XX/XX/XXXX my credit report indicated the had again added this {$2600.00} amount back on. 
I have disputed it with XXXX, I have involved the XXXX. At this point, XXXX said I should file a complaint here The contact information for World XXXX is : XXXX XXXX XXXX XXXX, SC XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

We called in XXXX to end shut off service. Our lease was ending and we where relocating to XXXX. They did not disconnect the service on XX/XX/XXXX as requested. The new renters continued to use the service under me well into XX/XX/XXXX. When we received the bill and disputed why it was not disconnected when we requested. After the investigation, they found that the final bill should have been {$160.00}, however they sent us a final bill and reported to credit agency without allowing me to pay the bill. This should never have went to the credit agency since it was their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, A CELL PHONE ACCOUNT WAS OPENED ON XXXX XXXXTHIS ACCOUNT IS REPORTING ON MY EXPERIAN ACCOUNT INCORRECTLY . THIS ACCOUNT DOES NOT BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without without my written instructions.

15 U.S.C 1681 c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items 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 ) ( C1 ). 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.