23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am filling 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 i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 XXXXXX/XX/XXXX
Product: Student loan

Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. It specifically states that This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at XXXX point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. 

In my case payments were missed and delinquencies were first reported, however, retroactive forbearances were approved which covered the time frame in which the delinquencies took place. As per the FCRA section mentioned above the furnisher has a duty to correct/update this with all credit reporting agencies, regardless of weather they were accurate at XXXX point. 

I have requested the furnisher to correct and update the information to no avail. 

I then filed a dispute with XXXX and XXXX I provided them original approval letters from the furnisher of the forbearances in question which included the time frames which they covered. They stated that they sent the information to the furnisher but they did not provide updates regarding the payment history disputed, alleging no errors were present.
Product: Debt collection

I received a text notification on XX/XX/ stating that Mercantile Adjustment Bureaus was trying to collect a debt for XXXX XXXX with a reference with a number to call or a link to a website. I have not received any other information regarding this. And a few days later I received notification by XXXX that my credit score drastically decreased. It wasnt until I logged into XXXX that I learned an account was placed in collections. I sent a very specific letter requesting that Mercantile provide me with validation of this debt. I mailed a copy with a tracking number and one without on XX/XX/XXXX and opened a dispute on line with XXXX stating these same facts and that I have had no other correspondence and do not know what this is and do not believe its my debt. 
The only correspondence that I have received from Mercantile since they received my letter was the exact same text from XX/XX/XXXX on XX/XX/XXXX. 
XXXX sent me a message stating that they could not remove the collection and that I needed to contact Mercantile Adjustment Bureau.
Product: Debt collection

This company frequently calls me, using different telephone numbers. The latest one from XXXX was on XXXX XXXX, XXXX at XXXX XXXX, local time. I identified the numbers as belonging to XXXX XXXX in XXXX, California. The company fails to leave a message. I want to know who they represent, what is owed, and, preferably, written correspondence.
Product: Checking or savings account

I tried to dispute a charge with Chime Financial services on Wednesday, XX/XX/XXXX. I contacted chime about an unauthorized transaction in the amount of {$46.00} charged by the app XXXX. I explained that was an unauthorized transaction. I do not use the service and the app charged me without notification. I explained that to chime representatives. I was informed it was denied because of an error. I was denied and investigation causing me to lose {$46.00} at no fault of my own. Chimes practices are very sketchy and unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct them immediately : XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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
Product: Debt collection

I was contacted at XXXX to theXX/XX/2020, I did not answer because I get a lot of spam calls, in the voicemail a Mr. XXXX XXXX from Capital Link Management company, a third party debt collector. First off I feel that the information he included in the voicemail was inappropriate, my first and last name, city , county, state, full birth date, and last 4 of my ssn. My first point is until today they didn't have confirmation that the phone number they called me on was mine or that I was the only one with access to it, secondly if I had changed my number than another individual would have enough information to steal my identity. when I called him back he informed me that I was being sued by their client XXXX XXXX XXXX and that a judgement in mediation had already been made on my case. I owed {$410.00} but could settle today for {$280.00}. He was supposed to email me for an electronic signature, which I have yet to receive, also the agreed amount of {$280.00} could only be paid in full, there wasn't any mention of a service fee on the payment, which came out to {$14.00}. The account number for this is XXXX and the confirmation number for the settlement is XXXX. 
In the end I feel that they have abused both my personal information and proper tactics on debt collection practices. 
Thank you XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sold {$200.00} worth of XXXX in Coinbase and chose the " Instant '' sell option to send my payout money ( {$200.00} after fees ) to my XXXX account. I received a confirmation email that my sell of {$200.00} XXXX had started and the " estimated payout '' would occur on XX/XX/XXXX. I  checked my " History '' in my Coinbase account and that particular transaction says " COMPLETED. '' It is now XX/XX/XXXX and I have not received any payment from Coinbase to my XXXX account. I am growing alarmed because I have no idea where my money is. Coinbase does not provide clear information on this issue, their customer support XXXX is XXXX, and they do not provide customers with a tool or update to track the money. 

Would like to know where my money is, why I have n't received it yet, and when I can expect it to arrive. 

Thank you.
Product: Credit reporting or other personal consumer reports

I trust this communication reaches you with the urgency it demands. I am writing to bring to your immediate attention critical matters concerning my consumer rights under the Fair Credit Reporting Act ( FCRA ), with a focus on XXXX XXXX 

As stipulated in 15 USC 1681 section 602 ( a ), it is imperative to ensure that consumer reporting agencies, including Equifax and XXXX, fulfill their duties with fairness, impartiality, and utmost respect for the consumer 's right to privacy. Furthermore, 15 USC 6801 underscores Congress 's policy, highlighting the obligation of financial institutions like XXXX XXXX to safeguard customer privacy and protect nonpublic personal information.

I assert my right, as the consumer, to prevent the unauthorized sharing of my private information, supported by 15 USC 6802 ( b ) ( c ). Despite this, XXXX XXXX and the consumer reporting agencies, Equifax and XXXX, lack my consentwhether verbal, non-verbal, written, implied, or otherwiseto furnish this information. 

It has come to my attention that XXXX XXXX failed to inform me of my right to exercise the nondisclosure option, a clear violation of 15 USC 6802 ( b ) ( c ). Additionally, the reporting of adverse information without my permission, detailed in 15 USC 1681C ( a ) ( 5 ), is a direct contravention of the law.

Under 15 U.S. Code 1681s-2 ( A ) ( 1 ) A, it is impermissible to furnish inaccurate information to a consumer reporting agency. Equifax and XXXX currently do not maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, to avoid violations and limit the furnishing of consumer reports to legitimate purposes.

Moreover, I note the illegal reporting of transaction history, excluded under 15 U.S. Code 1681b ( A ) ( i ). Reporting transaction history is in direct violation of the FCRA.

In response to these violations, I demand immediate action to rectify these breaches and ensure full compliance with the FCRA.
Product: Checking or savings account

I keep getting repeated unwanted calls on XX/XX/2021 and more repeated calls on XX/XX/2021 from wells fargo for an unexpected negative account balance for overdraft fees which I was unaware of at the time and had no intentions of giving my consent to opt in for overdraft service. Upon getting all these repeated harassing phone calls, with repeated attempts to pressure me into making a deposit and paying off the overdraft fees ASAP, they also threatened to close my account and send me to a collection agency. I even responded back to them to stop calling my phone and still keep getting calls from them.
Product: Debt collection

I am a victim of identity theft. I have been trying to contact NCC Services for a very long time now. Their representatives were being very rude and threatening. I tried to contact them to send them my FTC Identity Theft Affidavit, my police report information, as well as documentation proofing I have been living in Michigan for the last 10 years and not an address in Louisiana. They denied me the opportunity and kept giving me the runaround. I don't understand why NCC Services is refusing to acknowledge my Identity Theft problem. and trying to sue me and collect on a debt that is not mine. I am submitting this complaint due to the lack of response, communication, and investigation into my original dispute for a debt that does belong to me. This unfair practices by a debt collection company with no concern for the integrity of a customer.
Product: Credit card or prepaid card

To whom it may concern : I purchased a XXXX Laptop computer and software package on or about XXXX XX/XX/2020 with a XXXX Representative, XXXX XXXX. Because of the Long wait in receiving this Product, I cancelled the order approximately a week later. XXXX however mailed this referenced item anyway and I physically received it about XXXX XX/XX/2020 and subsequently returned the Laptop to XXXX approximately a week later. 

XXXX notified me via email ( s ) and phone conversations that they received back Order XXXX on XXXX XX/XX/2020 and that they-XXXX notified Chase/Visa of my Return and XXXX XXXX Authorization to Refund-Credit back to my Chase Freedom Credit Card for the XXXX XXXX XXXX XXXX and XXXX XXXX cent transaction, this referenced Laptop.XXXX is Purposely Delaying and Stalling Crediting my Chase Freedom Account for the {$750.00}. 

After returning from a trip out the country from XXXX XX/XX/2020, I communicated with Chase about resolution to this Transaction/Claim ID : XXXX and was notified that they/Chase closed this Claim. Within a couple weeks, I requested that this Claim be properly reopened and resolved. 

I'd sent an Email Voucher Document from XXXX to Chase showing that XXXX received their Product Months ago and had authorized Credit for {$750.00} back towards my Chase Freedom Credit Card!! I would appreciate Swift, Final, Correct Resolution ( Credit of {$750.00} to my account ) of this Claim. Thank you.
Product: Debt collection

Navient has failed to provide honest & adequate services to its borrowers. It seems they are constantly dishonest about the structure of their company, and do nothing to help people that are making increasing efforts to make payments or proper arrangements ( that are not only in the best interest of the company, but for the millions of borrowers that are struggling to make their payments every month, without feeling vacuumed by student loan debt. 

I am constantly being told misinformation, and there is always lack of detail as far as your current loan and your options to make things more comfortable for the borrower. They have denied every request I've made for help : refinancing, releasing co-signer, making structural payments every month that would make an impact in decreasing the debt. 

I've been paying for nearly 5 years now, and my balance is still the same! I've made arrangements throughout the years, they feed you lies so you think your arrangement will serve you well, if you're consistent and make substantial payments, etc ... but it appears to me the money you pay literally goes into their pockets, your balance remains the same from when you started 5 years prior, and NO, you are not eligable for help as far as refinancing, or even trying to structure a payment plan that would be in the best interest of the borrower. 

I was told that they could not set up a plan that would benefit me long term. It was up to me to " overpay '' the balance, and therefore the remainder will go towards the principal. I asked for a financial advisor, or someone in accounts receivable that could possibly help me break down my loan that will serve my best interest, make an impact on the principal and possibly divide a percentage of both principal and interest that would actually start to decrease my balance ( which is stagnate for over 5 years, while paying nearly {$600.00} a month on a $ XXXX loan ) ... they told me they have no such department that would do that, they transferred me to " Customer Service XXXX who didn't care to find a solution, just repeating " facts '' like a robot, and telling me he didn't understand my questions. 

I'm disgusted by their company work ethic and lack of honest service. I can't believe that this is legal.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the inquiries and erroneous personal information which were being posted to my report. Here is the list of items which were opened without my permission : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

The three main issues : ( 1 ) Mortgage payments for an ( 80/20 ) loan taken out in 2006 do not appear to have been applied properly to the mortgage. 
( 2 ) XXXX issued an 80/20 mortgage and communicated they would aggregate the monthly payment into " XXXX '' payment request to us, and they would allocate across the XXXX loans. It appears that never happened as the 2nd mortgage looks like it never received a payment. 
( 3 ) Post a serious delinquency during the financial crisis, we reinstated the loan thinking we were obviously reinstating both loans ( 80 / 20 ). We have since learned only the first mortgage was reinstated, the 2nd charged off, the balance on the first has only dropped by {$10000.00} over the past 10 years although we have made over {$100000.00} in payments to the various mortgage companies & banks that have owned our loans, and the balance for the 2nd is reporting the same as the original 2nd loan amount. 

Please note : These loans were with XXXX XXXX, then both went to Bank of America, then to XXXX mortgage. Currently the 1st mortgage is with XXXX and XXXX placed the 2nd mortgage with another company. We did not have the original mortgage documents but were able to provide documents from the courts to substantiate the loans which includes the lenders name, loan number, and dates. We have also provided a copy of the credit report which shows the balances quoted in this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I became a joint accountholder on my husband 's pre-existing checking account with Citibank. ( Our account number is XXXX. ) In XX/XX/XXXX, Citibank began reporting the status of the account on my credit report as " Current, was past due 60 days ''. This is a result of activity and payment history made in XXXX and XX/XX/XXXX, prior to my designation as a joint signer/accountholder named on the account. 

Given that the reporting of this payment history negatively impacted my credit bureau reports and is inaccurate reporting since the activity took place prior to my being a named accountholder on the checking account, I submitted a dispute with XXXX on XX/XX/XXXX. On XX/XX/XXXX, I received a response that my dispute was denied by Citibank because the information reflected on the credit bureau report is accurate. 

On XX/XX/XXXX, I submitted a new dispute, directly with Citibank for the same reason ; that the information reflected on the credit report is inaccurate since the activity being reported took place prior to my designation as a joint signer for the account. I subsequently received a letter from Citibank dated XX/XX/XXXX indicating that the inquiry can not be honored because " you are a joint signer for the above referenced account, both parties are equally responsible and the payment history will reflect accordingly. '' Again, I do not think this is accurate given that the account activity and payment history in question occurred prior to my designation as a joint signer on the account. I request that this inquiry is revisited to make the necessary updates to my credit bureau reports.
Product: Credit reporting or other personal consumer reports

Recently checked my credit report I noticed that I have wrong information on my report which are incorrect addresses and Name. I would like for my credit report to be update to the correct information because the report shows invalid information from 10 years ago and i would like for you to remove and correct what i have attached on the attached documents below.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding XXXX XXXX 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital Once has cited technical issues, which XXXX violate the XXXX Funds Transfer Act ( XXXX ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this mater to ensure my rights are upheld. Thank you.
Product: Payday loan, title loan, or personal loan

My loan is not amortizing according to the schedule provided. I talked to XXXX  about this and a rep told me they first apply payments to the interest on the entire loan prior to paying down principal. 

I recently made a {$1500.00} principal paydown and according to the amortization schedule my balance should be {$1600.00}. Instead it is {$2200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

So i reported that i had some charges on my account and they denied me i also got in contact with XXXX XXXX and they told me that they could find the purchases in there system and when i told them that they said they could do anything to help me they bank name is Current XX/XX/year>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: Credit card or prepaid card

Target Credit card cut my limit in half Causing my credit score to drop a drastic amount I called to see why my limit was decreased and was told because of inactivity on the card. so because I pay my bills on time and keep my card paid off I am being punished. I called on the XXXX 4 days after the decrease and asked it be raised back to what it was. I was then told at this time Target is not performing any increases just decreases. From a business that has been allowed to stay open and make money this year while the rest of us have been struggling they are doing nothing to help except cause me more issues by causing my credit score to drop. They have no valid reason for the decrease except to hurt my credit score.
Product: Credit reporting or other personal consumer reports

Fair Collections and Out is reporting an account on my credit report that was paid to another company on XX/XX/year> to XXXX XXXX. The original creditor is the XXXX XXXX XXXX XXXXXXXX who has also confirmed the account is paid.
Product: Debt collection

I am XXXX XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX XXXX XXXX XXXX Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.