23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2023 my cell phone was stolen which had my drivers license debit and credit cards. There were several fraudulent charges made through out Florida using my cards and apple pay totaling over XXXX dollars. I submitted a fraud claim to Navy Federal Credit union and without investigating they denied my claim and said that I was responsible for the charges. I should not be held liable under their XXXX liability claim. I filed a police report and asked them to do a reinvestigation and was told that I would here in XXXX business days. I have not heard from them on the reinvestigation and have asked for proof on how they came to the determination that I should be held liable for the charges with not response to date. This has caused my account to go negative, I was late on several bills including having my car reposed because I was not able to make my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX  days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account with out 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 seven years.

15 U.S.C 1681s- ( 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: Debt collection

We are very tired of receiving automated calls from Focus Receivables Management caller ID number XXXX. The recording gives no information as to who the call is addressing or anything about the debt. We have no debts in collections. We make all necessary payments on time. They have the wrong number. Please help me make them stop calling!!!!!!!
Product: Mortgage

In XX/XX/2020, I was on a forbearance plan with Citizens One. They offered me a loan modification to put my missed payments on the back of the loan. I called every month because my bill did not reflect that the payments had been put on the back half off the loan yet. I was assured every month that I was approved and even received the {$250.00} gift card for XXXX that I was promised in the letter in XX/XX/2020. In late XXXX, I received a letter stating, that Citizens had made a mistake and that the terms of my current loan did not allow for the modification. 
I am wondering if, this is legal, and also why did it take 9 months to deny me. Also, I have been told that this is normal to happen, and that ( after 9 months of thinking I am ok with payments ) I now owe {$12000.00} to catch up my mortgage. I was given the option to re-apply for a modification ( which I did ) but I have heard nothing still. I have called several times and can not seem to find anyone that cant tell me what is truly going on. 
Citizens loan # XXXX Estate of XXXX XXXX, C/O XXXX XXXX XXXX XXXX have also sent them al documentation showing that I am executor of the Estate etc )
Product: Debt collection

The company XXXX XXXX is trying to collect a debt on behalf of the original creditor XXXX XXXX XXXX unfortunately the company listed above ( XXXX XXXX XXXX ) DOES NOT exist and has went bankrupt in XX/XX/year>. The collection agency XXXX XXXX can not collect a debt on behalf of a company that no longer exists ; the account is nonexistent with XXXX XXXX XXXX and the debt does not exist.
Product: Debt collection

This letter is regarding account you claim I owe {$660.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I sent my landlord his monthly rent payment if {$1200.00} using my Chime account. My landlord received a notification that I sent him the payment. He then downloaded the app and created a Chime account. Once his account was created the next day Chime closed his account immediately which resulted in him not being able to receive the money sent to him. On XX/XX/XXXX he notified me about this and I called customer service. They told me my funds were transferred successfully and to have my landlord call them and they will help him access his funds. On XX/XX/XXXX when my landlord was unsuccessful in his attempts to collect his money, we called Chime customer service. We effortlessly talked to them back and forth for almost two hours. All they could tell us is that his account was closed. Therefor, they can not give him any information further. Chime has the {$1200.00} that was sent to my landlord. He never receive it electronically nor a check through the mail. Those funds were not returned to me either. This is 100 % fraud.
Product: Debt collection

On XX/XX/XXXX2022, Mandarich Law Group , LLP sent me a collection notice stating that I owe an alleged debt. In violation of 15 USC 1692 ( b ) ( 5 ) the letter was sent with a huge symbol on the envelope indicating that they are debt collector and the communication relates to the collection of a debt which exposes my personal business and also violates my right to privacy. The letter also implies that they are an attorney when they are a debt collector. Pursuant to 15 USC 1962 ( e ) ( 3 ) a debt collector may not use false representation or implication that any individual is an attorney or that any communication is from an attorney. 
In response to the letter, I sent them notification that they have violated my consumer rights, I dispute this alleged debt, and I requested an audit trail of this transaction. 

On XX/XX/XXXX2022, I received a response letter from Mandarich Law Group , LLP that stated they will continue collection efforts despite my notice of dispute and in turn, sent me several duplicate copies of loan terms, several sheets of blank paper, copies of documents that are completely undecipherable, and an incomplete bill of sale to prove they even own this debt. They did not provide me the AUDIT TRAIL I requested and in violation of 15 USC 1692g ) ( a ) ( 4 ), the statement of account provided does not tell where these charges and credits were originated or when.
Product: Checking or savings account

On XX/XX/XXXX I called Chime about an account opened in my name that XXXX warned me about. After talking to a support person at Chime that I could barely understand, or hear, and they could not understand much of what I was saying they put a hold on my account because they did not understand the situation. I replied to the e-mail with the information they requested ID card, and what not. At this point they closed my account. 

" Were sorry to share the news that we have decided to close your Chime XXXX XXXX XXXX Credit Card Account and Chime XXXX XXXX XXXX Account, effective immediately. 

Your account was closed for the following reason ( s ) : We were unable to verify your identity. 

At this time, you are not eligible for a refund of any remaining account balance. '' I sent all of the relevant information they asked for that 100 % verifies my identity, and they closed it stating they couldn't. At this point I sent them a support e-mail trying to recover my account. 

The only information they will give me now is as follows. 

" Weve determined your account is not in compliance with Chimes internal policies and member agreement executed at enrollment. '' As soon as they closed my account for no reason I changed my direct deposit to go back to my other bank account. Today when I was paid the deposit went to Chime, which is closed. Now they are holding all of my money including direct deposit for no reason, and basically have said I will not be getting my money back.
Product: Student loan

Currently, there are three separate loans for completing my XXXX XXXX XXXX which are reporting negatively on my credit report instead of just one which is causing me a problem when trying to downsize my current living situation so I can ensure I will not have any continued difficulties in meeting my financial obligations. 

Due to COVID-19 pandemic, I can no longer afford the rent at my current apartment and I need to down-size to a smaller less expensive apartment. However, because the credit requirements are now more rigid due to the COVID-19 pandemic, one of the main reasons for me being denied is due to the late payments on the three ( 3 ) loan disbursement dates of XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 

I have since consolidated these loans and are currently making payments.
Product: Mortgage

Ive notified CHFA several times that until we are two income household again mortgage will be one month behind. However they call and attempt to collect every day causing me distress and harassing me early in the morning during my work hours and now late at night. I fear retaliation of going into foreclosure because Ive expressed they are harassing me. We are paying mortgage and not even a month behind currently yet they call me everyday causing anxiety and distress. Ive given a date of when payment can be made but I was told it doesnt matter and they will still call. Dont know what to do other than ignore them until I can pay as they are not working with us to support.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX  XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Reason for Dispute : I made the payment on time, but it was incorrectly reported as late due to a processing delay by the credit union. I have attached my bank statement showing the transaction date, which clearly indicates the payment was made before the due date.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.
Product: Bank account or service

We had 19 month CD with U.S. Bank which was apparently automatically rolled over for another 19 months at maturity. The problem is that rate is extremely low ( 0.15 % ) and not competitive. When we asked what the cost would be to terminate the new CD we were told a {$25.00} fee, which is fine, plus a 3.0 % penalty, which is ridiculous. We were expecting to a few month 's worth of interest as a penalty.
Product: Debt collection

WAYPOINT RESOURCE GROUP, PUT A COLLECTION ON MY CREDIT REPORT THIS MORNING. I NEVER HEARD FROM THEM OR OF THEM, EVER RECEIVED A LETTER INFORMING OF THIS ALLEGED DEBT AND FURTHERMORE NEVER GAVE ME THE OPPORTUNITY TO DISPUTE, WHICH IF THEY HAD I WOULDVE BEEN ABLE TO LET THEM KNOW THIS IS RESULT OF IDENTITY THEFT. I HAVE ATTACHED THE IDENTITY THEFT REPORT, THE LETTER TO WAYPOINT RESOURCE GROUP AND THE NOTICE TO FURNISHER IN THIS COMPLAINT. 

All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Every year I request my " FREE '' annual credit report through XXXX XXXXXXXX XXXX. Every year it is the same thing. I can not access my free credit report from XXXX. I answer all of the challenge questions accurately and I get the response " We can not provide the report at this time. '' I had to pay for the credit report through XXXX to get a basic look at my three credit reports, it was not free. I tried to file a dispute to XXXX and to Equifax and was unable to do so online. Every year it is the same thing and it is complicated and time consuming. The credit Bureau 's do not play by the rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX about a " charge Off '' on my credit report which falsely stated I owed them about XXXX $ from gap insurance that was never paid out. My insurance was in litigation with the insurance of the person who hit me and caused the accident that totaled the motorcycle. Then covid came and nothing ever became of the litigation. I was never notified that this company was never paid by insurance they made no effort to contact me and explain there was a debt. And when I recently called to speak to them about this debt they said it was a small amount and that they would just forgive the debt and take it off my credit report. Checking back as of today XX/XX/2023 my Experian credit report still shows I have a negative remark from this company. Showing a " charge off '' of my balance when they had promised to forgive and delete the debt. They also reported I missed a payment for the motorcycle when they accident occurred before the first payment date insurance statement prove that. I want this completely taken off my credit report. This company is one big financial scam
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 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 air resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I am seeking redress for these violations.
Product: Mortgage

Requested mortgage assistance or forbearance with my mortgage company several times over the years. I have been forced to file bankruptcy a lot of times to stop the foreclosure on my home. I am XXXX XXXX, I don't want to loose my home. XXXX XXXX with SN Servicing has told me a lot of times I can't keep the house because I could not afford it. I have sent financial and paper work to my mortgage company a lot of times. My interest rate is 13 % and they refuse to lower our interest rate. We have been in our home over 20 years and we are senior citizens. I have called XXXX XXXX a lot of times recently and after I send my documents, she will not return a call for weeks at a time. She is rude and mean. There is all sort of assistance I have read for people that need to keep theirs homes from foreclosure When I Call SN Servicing if I cant speak with XXXX XXXX I am told by who answer the phone can't any one else speak with me, this happened a lot Please Help
Product: Student loan

My current credit score reflects delinquent payments in regard to my federal student loans. I was unaware that they were coming out of deferment as I was still enrolled in school at the time. Due to being unaware of this, I missed one payment in XXXX 2016. This ONE missed payment is listed several times on my credit report due to not being consolidated, and has had serious implications on my credit score thus hindering me from being able to rent a new apartment or house. I understand if it were listed as one missed payment, however having it listed as a delinquent payment several times has greatly effected me in all areas of my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whomever it may concern, Experian was notified that XXXX XXXX made a mistake in reporting on my XXXX XXXX. They also made errors reporting to student aid.gov. They were sent email correspondence with the student account department at XXXX, admitting to this in writing and suggesting that I make a report to address it more quickly. 

Experian has not removed the fraudulent late payment, contrary to fair credit reporting guidelines. Moreover, the loan qualified for forbearance and is in the process of being consolidated. XXXX has informed me that they reported this as an error to be removed, so it is an abomination that Experian has failed to remove it. 

I have attached my communications with XXXX regarding this manner, as well as Experian 's inaccurate reporting.
Product: Debt collection

I 'm writing because the a man today his name was XXXX XXXX the other days he 's had different names and he calls from a variety of different numbers from different states within the United States he claims that he 's with Midland funding and I manage my account with Midland funding over the Internet he is also claimed to have access to my credit card information and is increasingly and increasingly attempting to make each call more personal and has even reference my location and what I 'm doing for the day
Product: Mortgage

I did a Loan Modification about a year ago, and after several months I fall ONE MONTH behind, but I was able to keep making my monthly mortgage payments every month, ( with one, or two months ain arrears ), and they keep accept all my payments. 

when the COVID19 strikes, I applied for a Loan Forbearance at my Servicer 's website, and the wrote me a letter stating that they accepted the Loan Forbearance by 3 months, but at the 4th month I need to pay more that {$15000.00} I am writing them back telling them in writing, that I do not accept this Forbearance, and that we can make other types of arrangements. I will call them soon, but just in case I am filing this complaint. 

My monthly payment is {$1600.00} a month. I was paying this amount every month. I GOT ALL THE PROOFS I wont pay XXXX I cant
Product: Debt collection

I contacted Enhanced Recovery Company on my own to pay a debit. They told me that I could pay {$1000.00} for a pay and deletion. Upon the last payment the following month they tried to continue to draft my bank account I stopped the payment, because I already had satisfied the agreement. The original debt is {$1400.00}, I paid {$1000.00} which is a {$340.00} difference. This collection now shows on my report as closed with a {$500.00} balance, this company did not keep the agreement in which we established over the phone when I called them to satisfy the debt. I would like this closed collection removed from my credit and a letter from them stating this debt is PAID.