23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

PLEASE NOTE THAT THIS COMPLAINT IS WITH REGARDS TO A PREVIOUS COMPLAINT THAT WAS CLOSED OUT BY CONSUMER FINANCE BEFORE IT WAS RESOLVED. THE CASE NUMBER WAS : XXXX THIS IS MY REPSONSE TO THE LETTER RECEIVED FROM CITIBANK Please see attached phone records It is correct that I called to report my card missing on the XXXX. Everything else in your letter is incorrect. 
I called on the XXXX to report my card missing. I was asked if it affected my virtual wallet and I said no, which is correct. THIS CLAIM WAS NOT CHARGED THROUGH A VIRTUAL WALLET. 
The following day on the XXXX I called to make CERTAIN that NO ONE that previously had my card number could charge my card again. I was assured by the Citibank rep that no one could charge my card. I asked if there was any pending charges and they said NO. I asked if there was any charge on my account from XXXX in an amount of {$1500.00} and I was told NO. 
On XX/XX/XXXX a charge appeared on my card on the online portal from XXXX for {$1500.00} and it had a date of XX/XX/XXXX. 
AGAIN! I WILL STATE THAT ON THE ACTUAL DAY OF XX/XX/XXXX NOTHING SHOWED ON MY TRANSACTIONS FROM XXXX FOR {$1500.00} AND ON THE XXXX YOUR REPRESENTATIVE TOLD ME NOTHING WAS PENDING AND WHILE THERE WERE OTHER CHARGES FROM XXXX THERE WAS NOTHING FOR {$1500.00} AND THEY ASSURED ME THAT NOTHING FURTHER COULD BE CHARGED. 
As soon as I saw this charge appear on the XXXX I called. Needless to say I was transferred dozens of times and given other numbers to call. HAVE YOU LISTENED TO THE RECORDING OF THOSE CALLS?!? I recorded a portion of it when the so called supervisor got on the line. It is an abomination!!! 
One of the reps I spoke to told me that my card had been cancelled but that ANYONE who had been given my card number and had set it up as a recurring charge was forwarded my new card number. AT NO POINT EVER WAS I TOLD THIS AND I DID NOT AUTHORIZE THIS!!!! 
I was told that my virtual wallet would stay the same and I was fine with that. 
XXXX WAS NOT PAID VIA A VIRTUAL WALLET. THEY WERE GIVEN MY CARD NUMBER AND WHEN I CANCELLED MY CARD CITBANK GAVE THEM MY NEW CARD NUMBER BECAUSE XXXX HAD SET IT UP AS A RECURRING CHARGE WHICH IT WAS NOT. IT WAS A ONE TIME RENTAL!

THIS HAS NOTHING TO DO WITH A VIRTUL WALLET!!!!! 
My issue is not with XXXX at this point. My issue and my claim for my {$1500.00} is with Citibank! I cancelled my card and had Citibank not given my new account number to them, without my knowledge or authorization, they would not have been able to charge it. 
I have banked with Citibank since XXXX and I have multiple business credit cards as well as my personal card and this has been the most horrific and unacceptable experience. If this charge is not reversed permanently I will be moving ALL of my accounts elsewhere and I will post on every available outlet the experience I have had with Citibank. If I can not trust my own bank then its time to move on!
Product: Student loan

We have a court ordered 6 year 3 % annum payment schedule via a chapter XXXX financial restructure settlement case # XXXX doc # XXXX file date XXXX/XXXX/XXXX. we have pain well over {$50000.00} on a {$21000.00} consolidated loan in XXXX and have a remaining balance over {$21000.00}. Nelnet has again increased interest rates to 8 % and not per annum They claim no knowledge of settlement. In XXXX we have the same problem with nelnet who refused to work with us and told us to hire a lawyer until we filed a complaint with the attorney general and CFBP case number XXXX. After the official complaints being filed, then Nenet ( and other student loan companies who we filed against than and are filing against again today ) contacted us and corrected all discrepancies and refunded ill-gotten gains. we requested an independant accounting agency to review all financial dealings at that time as well as an independant investigation into Nelnet banking practices however neither was done to the best of my knowledge. In addition to the complaints filed with CFBP today, I filed another complaint with the attorney general and contacted XXXX financial correspondent XXXX and requested an investigation into the student loan banking practice of Nelnet and the other student loan companies due to the repetitive financial discrepancies indicating significant incompetencies in their banking practice or demonstration of their illegal banking behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in XXXX  training from XX/XX/XXXX to XX/XX/XXXX and I had no phone and was cut off from society and had no way of knowing or staying on top of these remarks or payments and am protected under SCRA law.
Product: Mortgage

i filled this out it mustv erased. wow so my mortgage mod app was denied. was innappriate, was just denied this month. 
it took almost a 4 month application process, and they still never asked me to send verif of the XXXX down payment amount they had already approved. 
they denied in writing for not enough down payment but they told me the amount was sufficient, but they called the bank before they made decision of denial, to see if money was therw. i told them that i keep money at home, i dont use bank. 
they say a whole lot diff than they write. 
also, my past and recent XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX  approx, tRV ying to fix or get the correct therapists, prescribers, primary, and now i need a revision XXXX XXXX, i have a XXXX XXXX, and XXXX/XXXX, i finally have fixed 85 percent of tge issues i lived with for 38 yrs. 
i now feel like ia reas l person, the drs and prescribers have saved my life, after so many yrs of failed Doctoring. repeatedly. 
Real Hardship ... 
also, added i have a XXXX XXXX. and had to stop working because of all these problems compulated. but i finally have enough income, plenty, and feel normal which il never miss a payment, esp now w even more fixed income, and a straight, and focused mind, and they deny my app for modification. does not make sense please call me, XXXX XXXX XXXX, thet y already hsd approved foreclosure, stopped and now resumes process becasuse of the denied app for modif. so they are past many points and close to fi foreclosure sale. please help
Product: Student loan

I filed a complaint regarding some of these issues on XX/XX/19. I finally received a response on XX/XX/19. For reference, the complaint number is XXXX. 

In the response, my issues were not addressed. I asked for a review of my account financials as the transfer from XXXX XXXX to FedLoan was clearly and massively disorganized. Instead, they ( not even FedLoan themselves ) simply reviewed communication history and payment history. Secondly, I addressed concerns about requests to remove my paid ahead status not being fulfilled ( as I have received no written confirmation of this ). Instead, they simply explained what paid ahead status means and why it can affect PSLF eligibility of my payments. I already knew this, thats why I have concerns about the paid ahead status not being removed as I have requested. Lastly, I expressed concerns about why I was told you can not merge my two due dates into one without it affecting PSLF eligibility as I had repeatedly been told by FedLoan. However, they took it upon themselves to merge these dates without asking me or confirming that it will not affect PSLF eligibility. It took them nearly two months to give me an inadequate response. Time that has led to further troubles with the company. 

Lastly, since I have filed this complaint, I had to reapply for direct billing. However, after reapplying, FedLoan automatically put me into forbearance for the month of XX/XX/2019 (  against any wishes or requests of my own ). When I called to ask about this, they mentioned that this is standard practice due to delays in direct billing. This is highly unethical practice. They should notify borrowers to say they need to make a manual payment for the affected months. As a result of this, I received a highly stress-inducing letter regarding interest capitalization on my account ( totaling {$5000.00} ) that needed to be paid before the end of the month or it would be added to my balance. When you sign of for auto pay for any other service they give you notifications that it would apply to the next billing cycle and that a manual payment is required for the current billing cycle. FedLoan just assumes borrowers can not pay and puts them into forbearance which happens to disqualify payments from PSLF. I was able to get the forbearance removed. However, I am sure many borrowers were affected by this and simply did nothing because they didnt understand or had already given up fighting FedLoans XXXX services. This kind of practice ( among many other practices ) warrants a criminal investigation. 

Virtually every mistake FedLoan has made regarding my account has ruined eligibility of my payments for PSLF. At this point, it is not gross incompetence- it is highly intentional sabotaging of borrowers accounts. I am giving FedLoan Servicing one more chance at addressing my concerns before I take them up with a lawyer.
Product: Debt collection

This is debt is in connection to someone living in XXXX Arizona. I do not live in that city or state.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp 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 problem 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: Consumer Loan

I turned over the loan to a debt mangle to company but company called b & f finance at XXXX in XXXX Tx keeps on calling me XXXX to XXXX times a day for payment and refuses to talk to the debt management team which r ready to negotiate they r harrassing me to the point of explosion I need help to stop the harassment! Thank you.
Product: Debt collection

Submitted letter of dispute to National Credit Adjusters disputing ownership and accuracy of a derogatory collection account listed on my credit report that I have no knowledge of. 
After a request to validate debt that this National Credit Adjusters alleges I owe, they have responded with detailed information for a loan provided to a person name XXXX XXXX, along with her address and other sensitive contact information. Oblivious to fact that that literally none of this information matches my own they stated that they consider the matter closed. As I am clearly not the person listed on this loan I demand that this be deleted from my credit report prior to pursuing legal action. 
Please see complaint number XXXX and review the documents that were uploaded by National Credit Adjusters
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX Account Name XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, 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 XXXX XXXX  ( XXXX ) has violated my rights. 

account name : XXXX XXXX XXXX ( XXXX ) 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 Section 2 : it also states 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 fallowing 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.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the persons or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/2024 XXXX took {$350.00} out of my XXXX account. I never made this purchase, but did not notice this deduction until XX/XX/2024. I called the XXXX to dispute the charge and they could not help since it was over 90 days. I called XXXX and they did not deny that they took the money, but they took it on behalf of another company that no longer does business with them. I asked them to return the money and they will not. I let them know that this money was taken from a XXXX account and there will be taxes and penalties I will have to pay since this was not for an approved purchase. Im not really sure what XXXX really does but they are not willing to help.
Product: Money transfer, virtual currency, or money service

I discovered that I was scammed by someone impersonating a XXXX XXXX  XXXX. A woman that is working in conjunction with online scammers who lied served as the " agent '' here in the USA that helps customers like " me '' to send payment for a package in order for me to receive. The money transfers were via XXXX through my personal Bank account. After I realized that it was all a scam, I called and spoke to customer service representative on XX/XX/2XXXX XXXX XXXX  EST at XXXX in which they told me to report the the scam at XXXX : XXXX. I had to do two different reports because there were two transactions. I did and never heard back from anyone. I also called Chase Bank to report the fraud and they referred me to contact XXXX to report the scam. 

I sent several request to the person who received the money to return the money because I had found out that it was a scam however, the person never responded. images showing that the transactions went through and the person confirming that she received the money. I addition, I have emails where the woman states that she has " helped '' others in the past with the address of the places she go to make the deposits. The receipts shows the date, the name of the woman who is doing the dirty or serving as the middle person. Last, I have the person 's bank account, routing number that they wanted me to transfer the money to. 

I made to separate reports, one with the IC3 FBI and the other with the FTC. I've never heard back from anyone either. I would like to know if you can help me get my money because I am struggling financially.

It would be nice if I could talk to someone who can help get these scammers because I have information that can help get them such as emails and receipts showing the places where this " agent '' utilized several times to continue with her crime. Sadly, I did not get any response besides the confirmation that my reports and complains were received meanwhile, these people continue to take advantage of good people.
Product: Money transfer, virtual currency, or money service

My financial institution and Zelle failed to investigate my claims. 
Hang up the phone on me all week. 
I was told funds are going to be back in account sent from 10 days. Cant use my own phone number or email I currently have and is using to sign in to my bank, to sign up for Zelle. & was told my phone number is already active. No one cant seem to help me out.
Product: Credit reporting or other personal consumer reports

XXXX XXXX In XX/XX/XXXX, he submitted this account to a dispute both with the company directly and with the credit agencies, where I have received the same response on multiple occasions from the credit agency but I sent them the information corresponding to the complaint that this account the expenses and payments were not made by me. 

This credit card had a limit of {$1100.00} and it appears in my report and in the account a credit card with a debt of {$6400.00} and closed and with multiple months of late payments significantly affecting my credit report. 

I have tried in a thousand ways to solve this problem with them and the answer is the same. I tried it through this means and it will be my last attempt before taking this to legal instances where I will be forced to file a legal claim since they are in breach of my rights. according to the FCRA, where it establishes that the information must be 100 % accurate, verified and verified. 

As you can see in the attached files, the information is not exact or verified, since at this moment I have an open case with the XXXX company which the case number is XXXX, where I clearly explain that this card was used and paid without my authorization where the records XXXX show that I did not make any payment to that card and less for those amounts, and that if I had a card for {$1100.00} how I owe you {$6400.00} this is a complete fraud that they carried out on me and I demand that be legally verified and don't keep giving me the same answers. 

In the same way, I asked the company to send me the following information in my report that is inaccurate and incomplete and I did not get a response, they only told me that the information is correct and verified and as you can see there is nothing correct or verified when the information requested It is not reflected in the report. so the response I received from this company regarding my previous dispute seems to me to be a total breach of the laws set forth by the FCRA. 

XXXX ) The account History shows incomplete information in the same way that I don't understand why it keeps reflecting that this account is in XXXX  when it should be deleted for being a fraudulent account. 

XXXX ) The payment History guide shows information from XX/XX/XXXX and does not show me information before that date in order to check when the scams were carried out on my card. 

XXXX ) The History balance, is shown from XX/XX/XXXX, where it already shows a debit balance of {$2800.00}, when the card had a credit limit of {$1100.00} as you can see in the report, before that date I did not It shows no information for me to be able to verify when they made those expenses, and especially how the card could make those expenses for those amounts, if it did not have the limit to do so.
Product: Debt collection

ve just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX,, XXXX, and XXXX  credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$58000.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$22000.00}
Product: Debt collection

I received a letter dated XX/XX/2023 on XX/XX/2023. The original creditor was XXXX  XXXX XXXX. This communication was from Credit Management company from XXXX, TX, formerly XXXX XXXX XXXX. The letter has an address but no phone number. I was given the phone number by another company. XXXX. 

I contacted their office on XXXX XXXX at XXXX XXXX XXXX. The call lasted XXXX seconds. They said they are representing a XXXX XXXX XXXX, XXXX. I spoke to a gentleman named XXXX. I advised him that this was a XXXX 's XXXX  case. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX were advised of this when I was sent there by my employer. They were given all information when I was initially seen. I disputed the debt through XXXX XXXX as it showed up on my Credit Report. I believe that is why I received the letter. I received from this company what appears to be XXXX pages printed from a computer and that is supposed to " verify '' the debt. The letter and their Agent identified this is a debt from XXXX XXXX XXXX, XXXX in XXXX, CA. 

When I spoke to the XXXX and provided the reference number he stated you owe _____. I then advised him this was a XXXX 's XXXX case and I dispute this debt. I advised him that XXXX  XXXX know this is a XXXX 's XXXX  claim and I don't owe them as my employer was supposed to pay according to Tennessee law. He said so I am annotating your account to show you refuse to pay. I said no I dispute the debt as it is a XXXX 's XXXX case. He said well we sent verification. I said no I want an itemized bill and if you want money take me to court. His attitude was like I just woke him up and he wasn't interested in anything I said. 

The letter and the " verification '' document both have no indication of the right to dispute a debt or a phone number to contact the XXXX. I am also forwarding to the Tennessee Attorney General.
Product: Checking or savings account

I deposited my {$590.00} paycheck at approximately XXXX on XX/XX/XXXX. At that time, I first started to do a mobile deposit, and the system said {$190.00} if I proceeded. So I cancelled it, went to a physical ATM, deposited there. The system told me {$95.00} would be on hold. Was fine with that. System continued to say that until approximately XXXX that night. The next day, that suddenly changed to {$390.00} being on hold until XX/XX/XXXX. I have been given a number of excuses by a " senior rep '' named XXXX that don't explain much of anything, no solution was offered, and am facing multiple overdraft charges due to being given misinformation.