23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Since XXXX XXXX XXXX 2016 I 've been receiving mail from some unknown thing called XXXX. It 's stating that I owe {$430.00}. I do n't know from where, who, why, and for what. It 's been a year and I 'm pretty sure if I owed money like that, XXXX or whatever it is would 've been took other action to get in some other form of contact with me!!! I 've only received mail. I do n't even know how it has my address. I ca n't have that on my credit and I 'm not paying for something I know nothing about that has been there for a year and has n't accumulated in amount!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection Act ( CFPA ). specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under electronic fund transfer act ( EFTA ) and regulation E. these actions have caused significant inconvenience and financial loss and i seek appropriate redress for these violations.
Product: Student loan

I consolidated my subsidized loans in XX/XX/XXXX and began payments in XXXX or XX/XX/XXXX. I immediately enrolled in an Income Based Repayment Plan and have stayed in the IBR plan ever since. I submitted Employer Verification Forms for each employer demonstrating I worked at non-profit 503cb. XX/XX/XXXX I was notified that 25 of my payments did not count, even though I was in the same repayment plan and working at 503cb companies. FedLoan processing told me they had 12 months to conduct a manual review. I've called a few times to check in during the past year. Today when I called FedLoan and spoke to a customer service agent, I was told that FedLoan has no timeline and can not tell me when my employer certification forms/payments will be reviewed. They also can not tell me why those payments do not count towards my 120 payments in Public Service Loan Forgiveness program. I understand that my 120 payments won't be done until XX/XX/XXXX but I'm upset FedLoan originally told me a year to review and now is telling there's no timeline and no requirement that they correctly service my loan.
Product: Debt collection

I applied for a Vehicle loan and was turned down because XXXX XXXX reported debts I knew nothing about, XXXX XXXX sent a debt letter to a third party, address I don't live. 

Under the Fair Debt Collection Protection Act, a debt collector can not disclose personal information to a third party without the written signed consent of the consumer.

Also under the same act, A debt collector by law has to give the consumer 30-days to dispute, and ask for validation.If not then the debt collector must delete the debt  for good. 

but instead, XXXX placed the debt on all three of my credit reports. 

Also violations under the North Carolina Consumer Protection Act.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Transunion are consumer reporting agencies and I am the Consumer.

15 USC 6801 says that I have the right to make sure my private information isn't shared!!! The law states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' The Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), 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. Code 1681s2 ( A ) ( 1 ) A states " 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.

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

XXXX, XXXX, and Transunion are not maintaining reasonable procedures! My privacy rights and identity have been stolen! That also means that the Privacy Act of 1974 ( 5 U.S. Code 552a ) was violated! This account is an adverse item they are reporting without my permission which is against the law and hurting my ability to obtain credit! Please remove this account immediately!! See the attached documents.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX and via the XXXX major credit reporting bureaus XXXX, Equifax and XXXX to inform them of the fact that I had discovered a fraudulent account being reported by XXXX XXXX  ( account reference number provided : XXXX ) on my credit reports on behalf of XXXX XXXX XXXX. I provided each of the concerned parties copies of the Identity Theft Report I filed with my local police department detailing the Identity Theft I had suffered and I specifically requested that this fraudulent account be removed from my credit files immediately pursuant to 15 USC 1682c-2. I also requested verification of the debt from XXXX XXXX XXXX to include details about how the account was opened, what personal information of mine was utilized in the fraud in order to successfully open and/or maintain continued usage of the account, any identifiable information regarding any possible linked payment methods associated with the account which may help me to either identify the perpetrator and/or discover whether other fraudulent accounts may have been opened elsewhere using my personal information, transaction records, statements, billing addresses associated with the account, what methods are used ( if any ) to verify the information associated with the account, etc. XXXX XXXX XXXX ignored my requests and following the dispute process with Equifax, XXXX and XXXX, erroneously concluded that the information regarding this account was verified as accurate. It is not accurate. This account is the direct result of a pattern of fraud being perpetrated by someone who managed to steal my wallet back in XX/XX/XXXX and in fact, this is the second time that XXXX XXXX has allowed this individual to open a fraudulent credit card account with XXXX XXXX XXXX using my identity. Upon further inspection of my other credit reports with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I also recently discovered that there were also multiple fraudulent checking and savings accounts opened in my name with XXXX XXXX XXXX as well. I had also reported those previous identity theft incidents to police and obtained replacements for my missing XXXX XXXX XXXX XXXX XXXX XXXX issued Birth Certificate, Social Security Card, bank debit cards, credit cards and other sensitive items. Despite the fact that I fully informed XXXX XXXX of these details and facts, they continue to disregard my correspondence and report this fraudulent account to the XXXX major credit bureaus in violation of 15 USC 1682c-2 and other applicable consumer protection laws. These fraudulent credit card account entries still appear on all three of my major credit reports and the fraudulent bank accounts still appear on my XXXX and XXXX reports.
Product: Payday loan, title loan, or personal loan

This is a follow up to the complaint I filed earlier this year # XXXX. 

I agreed to use this loan company and pay them 12 months AFTER the contractor completed the job he was hired for. As of today ... the work is FAR from complete. I have repeatedly told this finance company that the job is not done and the funds should NOT be released. I have told them this consistently since the beginning of the year ( all on a recorded line ). However ... the financing company has ignored the fact that I've told them the job is not done, and, they have released the funds to the contractor. So ... I want to be clear that the 12 month " interest free '' period will NOT start until the job is done. I just got off the phone with them again today and told them that, but, the person I spoke with, XXXX, said there was noting that could be done. This is an outrage! I suspect they released the funds so they can get their interest. Instead ... they should have listened to me when i told them the work was not done.
Product: Mortgage

I paid off my mortgage loan in XXXX XXXX. I was due an escrow refund of {$3300.00}. I called the mortgage company, PHH Mortgage, XXXX New Jersey, on XXXX XXXX, XXXX to inquire about they money they owed me. A person named XXXX XXXX said they had to research the matter, and I would receive a letter of resolution from them by XXXX XXXX, XXXX. I did not receive anything. I called them on XXXX XXXX, XXXX and they said they would have to analyze the account. I objected to this, so they put me on the phone with a supervisor who told me they would send the escrow refund via XXXX that day and call me with a tracking number. They did not call me with a tracking number. I called them on XXXX XXXX, XXXX and they said they would send the check but did not have a tracking number yet ; they told me to call back later that day for a tracking number. I called on XXXX XXXX, XXXX and they said I would receive the check by XXXX XXXX, XXXX. I do not believe they intend to refund my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one on my report is incorrect. 

This account is reporting to be charged off. If the account is charged off, how can it have a balance and how is it reporting every month. According to the law if the account is charged off and the company has charged it off it should not be reporting with a balance, Please correct the incorrect reporting on this account, The balance is incorrect as well. I spoke to XXXX XXXX Employee ID # XXXX and XXXX ID # XXXX and they both advised that this balance is incorrect. I also have a letter from the company dated XX/XX/01 that the balance is incorrect. WHy is it still reporting incorrectly. 

How is this verified, what is the method of verification? who did you speak to?
Product: Checking or savings account

I usto have an account with WF back around XXXX to possibly XXXX. I was charged tons of over draft fees eating up my paychecks. I would like this money back. I had to close the account fir this reason. The evil practices of WF was unbearable.
Product: Money transfer, virtual currency, or money service

I sent {$800.00} to Select Portfolio Services Inc. to pay my mortgage. I did that using using XXXX XXXX online bill pay. Select Portfolio Services claims they never received the money which was electronically processed by XXXX XXXX on XX/XX/year>. Ive contacted XXXX XXXX and they provided me with a trace number which they said is proof the Select Portfolio Services received the {$800.00} on XX/XX/XXXX. Ive contacted Select Portfolio Services numerous times and provided them with a bank statement and a trace number using an email address they said to use. Every time I call them I get the run around. At first they said it would take them XXXX business days to research it. Then I followed up and was told it could take up to XXXX  months to review it. On my most recent phone call they asked me to fax a bank statement to the company cashiering dept. which I did. Ive tried many times to explain to them that the trace number I provided to them is proof that they received the {$800.00} payment but almost 4 months later they still have not applied that to my mortgage balance.
Product: Student loan

Nelnet originally claimed I was taken out of IDR proc admin forbearance on XX/XX/2023. See attachment. This was not true, so I made a complaint, and now they're claiming I was taken out of IDR proc admin forbearance on XX/XX/2023. This is not true, as seen in my attachment. I was out of IDR proc admin forbearance and in repayment status for what appears to be a single day - XX/XX/2023. See the attachment dated XX/XX/2023. Today, XX/XX/2023, Nelnet placed me back in IDR proc admin forbearance without consent and despite repeated earlier requests to be taken out. See attachment. Nelnet 's fraudulent behavior has cost me over {$1000.00} in interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

M & T Bank has destroyed my credit by misreporting payments, losing my money, and failing to do this time and time again. 

In XX/XX/XXXX I suspected something was wrong with my account. I use my M & T checking only for loan payments. Each month I deposit the amount needed for those loans and extra to cover any additional. However, for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX my account was negative. I contacted M & T branch several times speaking to XXXX XXXX XXXX XXXX, and XXXX XXXX  They were rude and dismissive. They told me to read my online statement and that my account was current and nothing was overdue or missing. They asked me if I was able to read, and if so why wasn't I reading my statements. It was rude and demeaning. However, I insisted that there is no reason for my account to be negative when I making monthly payments on time. When XXXX came I was billed {$1200.00} for a {$600.00} loan installment. I again went to the branch who did nothing and turned me away saying my account is current. I contacted the office of the president due to this, who FINALLY did the diligent research I had requested for 90 days and discovered the branch had misplaced my XX/XX/XXXX payment made in cash, marking it as a miscellaneous payment and not applying it to my loan. This caused my account to be negative, XXXX XXXX and XXXX and a XXXX payment to be collected twice. I was denied a loan by XXXX bank despite being preapproved as a perfect candidate and they provided me a report of this. M & T denied they reported the missing XX/XX/XXXX payment when they lost it and said it would not affect my credit. This was a direct lie. I forwarded them the report from XXXX XXXX  and they then immediately backtracked and double down on those lies. 

In the midst of this, I spoke to XXXX XXXX XXXX, and XXXX  about deferring my payments until this was resolved. They owed me the payment they lost of {$600.00} from XXXX, the double payment collected in XXXX {$1200.00}, and all fees and interest associated with this. They assured me via phone conversation Thursday XX/XX/XXXX the deferment was being processed so my XXXX payment would not be late. I signed the deferment for both loans XX/XX/XXXX. This was also confirmed by XXXX XXXX on XX/XX/XXXX that both loans were deferred. 

I received a call on Monday XX/XX/XXXX from XXXX XXXX at M & T stating she was processing my deferment. I was very confused. I assured her this was done XX/XX/XXXX not sure why she was calling me nearly a month after the branch assured me this was done. She said it had not been processed. This means following my XX/XX/XXXX conversation with XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX  they had did nothing for two months allowing both my XXXX and XX/XX/XXXX payments to be late AGAIN. Another mark to my credit. 

This occurred in XX/XX/XXXX as well. I am fed up with this inappropriate, fraudulent bank that has ruined the perfect credit of a brand new women owned, XXXX owned business. I will inform my community leaders and file a lawsuit if this is not handled immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 XXXX 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: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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

XX/XX/year> some one tried to apply for a card in my name I did I did dispute with Citibank and they did offer to remove everything from all three credit bureaus but XXXX was never removed and it's still showing
Product: Checking or savings account

I have prepared all the official documents that the manager of the Citibank XXXX branch requested of me. All the codes for the account were sent and I was asked to send the appointed lawyer. So I sent the appointed lawyer to the bank branch in XXXX. XXXX. At my own expense, I spent all my money on this transaction, as the The balance amounts to XXXX XXXX XXXX XXXX XXXX XXXX dollars. Since 2013 until now, I have contacted the bank more than XXXX times to no avail. Please update the information about my account and provide me with the latest information about my account. Otherwise, I will unfortunately be forced to take all necessary legal measures regarding this incident. May you always be healthy and well.
Product: Checking or savings account

Hello, my name is XXXX XXXX, and I am a valued customer holding a checking account with Bank of America. I opened this account in XX/XX/year> and have been using it without any issues since then. 

Currently, I am temporarily residing in XXXX XXXX, and I have previously used my account here without encountering any problems. However, during my recent attempt to transfer funds to XXXX, my account was abruptly closed by the bank. I was informed that the closure was due to my current location in XXXX XXXX. 

I am deeply saddened and disappointed by this decision, especially as I have successfully carried out similar transactions from XXXX XXXX in the past without any issues. 

I would like to formally raise a complaint regarding the closure of my account and request a thorough review of this matter. I kindly ask for your assistance in understanding why this decision was made and how it can be resolved. 

Please let me know if additional information or documentation is required to proceed. I look forward to your prompt response and resolution of this matter. 

Thank you for your attention.
Product: Credit reporting

I am in the process of purchasing a home and have all 3 credit company reports and only one of them XXXX Trans Union XXXX is still reporting a bankruptcy from 2005. I contacted them and explained the situation and they stated there was nothing they could do. I advised them that the other 2 agencies were not reporting this item. It was stated that at sometime it would drop off. I explained that i was in the process of buying a home and since it was already off of the others if they could just take it off. Again they stated they could n't help.
Product: Credit reporting or other personal consumer reports

I am writing to provide an update on my ongoing efforts to remove fraudulent items from my credit report. Despite multiple attempts, these inaccuracies persist, and I am seeking further assistance to resolve this matter. 

I have submitted disputes, provided extensive documentation, and engaged with creditors and credit reporting agencies to rectify this issue. However, to my dismay, the fraudulent items remain on my credit report, negatively impacting my creditworthiness and financial standing. 

Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation. Restoring confidence in the accuracy and reliability of information reported on credit reports is essential. With this, I am asking for your assistance to remove these fraud items in my credit file : Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a outstanding debt reported on my credit report that does not belong to me. The original bank has no record of the account, but the debt collection agency continues to call, mail and report this on my credit report, resulting in bad credit.
Product: Checking or savings account

Im 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 lagging 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: Debt collection

XXXX- Requested Debt Validation per XXXX Finance Code 392.202. 

XXXX- Violation of XXXX finance code. No one responded, sent another letter to cease the collection activity. 

XXXX- No response, and still reporting to 3 Credit Bureau 's .
Product: Debt collection

Gc services limited partnership, It is not my intention to inform you of the rights of a federally protected consumer, however, it is my duty to bring notice when youre in violation. The FDCPA makes it clear, for those of us with the capacity to overstand, that communication between a debt collector [ 15 u.s.c. 1692a ( 6 ) ] and a consumer can only happen with prior consent. Before any sort of communication is even allowed to take place, there needs to be permission granted [ 15 u.s.c. 1692c ( a ) ]. One can not hide behind any implications or presumptions when it is clear that permission has to be given directly to the debt collector. 

Cease and desist all forms of communication to the above name, XXXX XXXX XXXX. Reporting to any credit bureaus is an attempt to communicate and/or collect a debt which would also be a violation. For every FDCPA violation, there is a {$1000.00} fee I would be happy to collect, but strongly urge we operate in good faith. 

I take my rights seriously. While this is not a promise I wont pursue remedy for the violations you have already incurred by this communication, I strongly urge you to refrain from any negative reporting to my credit. Any provision of this section that lacks compliance entitles me to actual damages 15 u.s.c. 1692k ( a ) ( 1 ). Defamation of character in my line of work is priceless and would advise against it.