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

i am filing a complaint against Cash app ( Block inc. ) due to inadequate customer service and unfair practices, which 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 was unfair and deceptive as they did not comply under proper resolution requirements under EFTA and regulation E.This has cause significant inconvenience and financial loss and i seek appropriate redress for these violations.
Product: Credit card or prepaid card

Bank of America denied my claim of XXXX $ at a XXXX XXXX. First of all, I had my credit card in my possession. I dont understand HOW OR WHY a person can have 2 different credit cards with the same account with the same bank. 
The fraudulent charge was made with another credit card ON MY NAME. They denied my claim giving me stupid reasons : because my pin was used or that I signed the receipt which means I was there and approved the transaction. YOu dont need a PIN to use a credit card and for the signature, my name is on the card! 
WHY would 2 CREDITS CARDS with the same account be ever activated? 
Mind you they sent me those alerts messages asking if it was me that day which I REPLIED NO but they still went ahead and approved the transaction. 

I have been with this bank for close to 10 years now, no priors or similar problems ever occurred. I have been calling for weeks to get a solution the only answer they keep giving me is to WAIT. 

Also, as you will see on the photo, there was a previous attempt to use my card on an XXXX XXXX for XXXX in XX/XX/XXXX that was declined. I called to let them it wasnt me and the person I spoke to didnt advise me to file a claim since the transaction was declined that day. Four months later a different card ( with my name ) was used at a XXXX XXXX  and they charged me even when I reply NO to the alert message and they denied my claim?
Product: Student loan

I have been paying Navient/Sallie Mae for over 10 years. Over these years, I have called in multiple times to help with my loans. I was told instantly that I should defer my loans so that I can get my finances in order. So I did. When I was ready to pay, I called back and they convinced me to do the lowest monthly payment to start out, so I did. I always paid above the minimum, however, the payment never went down. 
When I met my now husband, he reviewed everything and shows that ALL of my payments were going to interest. ALL. We called up so they can adjust the plan. For the next couple of months, it seemed like the money was being distributed better, but after awhile, it was back to the same thing. 
This year alone, I have paid about {$4500.00} and {$1400.00} of it has gone to interest. 

I have only taken out {$27000.00} total however, to this day, I still owe {$41000.00}. I have asked them if we could come to a settlement agreement, but they said no. I feel like I am never going to pay this down and some of the loans go back as far as 1999 at this point. 

The people who answer the phone there are clueless and do not help at all.
Product: Credit reporting or other personal consumer reports

I have sent multiple letters to the credit bureaus regarding inaccurate items on my credit report. Despite my efforts, my letters have been disregarded, and I have received responses stating that I am using a third party.Which is wrong I'm the one who send out letters here 's the list of accounts and inquiries i want to delete XXXX XXXX XXXX XXXX. XXXX, XXXX {$2100.00} XXXX XXXX. 
XX/XX/XXXX {$4500.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$2100.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$810.00} XXXX XXXXXXXX XXXX, XXXX {$720.00} XXXX XXXX XXXX XXXXXXXX, XXXX {$800.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX {$0.00} XXXX XXXX. XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$630.00} XXXX XXXX XXXX BANK XXXX XXXX : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXO Inquiry : 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 XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX For your review, I have attached my ID and the letters I previously sent.
Product: Mortgage

My Mortgage company ( NewRez ) continues to charge PMI in violation of the Homestead Protection Act of XXXX. 

The XXXX of my conventional mortgage ( issued XX/XX/XXXX in MA ) dipped below 78 % XXXX of the original purchase price XX/XX/XXXX. On that date, I requested that they remove my PMI. 

I followed up again in XX/XX/XXXX and sent a complaint. 

Yesterday ( XX/XX/XXXX ), they said they never got my request to drop PMI. 

I do not have any additional mortgages ; this is a conventional loan.
Product: Mortgage

My Mother took out a consolidated loan. 
Was turned into a mortgage by Wells Fargo. 
House was use as collateral .That to place in 1989 .The amount of the loan was XXXX K She's been paying this for 30 years. 
Reminding balance on the loan Is XXXX. 
The way Wells Fargo structured the loan Was {$21.00} going towards the principle. 
The house was worth at that time about XXXX Wells Fargo gave Her insurance that was suitable for person XXXX XXXX XXXX. 
{$280.00} was going towards escrow In the other money was going towards interests. 
To me it looks like a predatory loan. 

My name is XXXX XXXX Executive of the estate
Product: Payday loan

Received a payday loan back in XX/XX/XXXX. I tried to contact the lender ( Check n go ) to pay off loan. To no avail they did n't have any information that I took out a loan. I got a call on my job XXXX from A person name XXXX XXXX contacted my job threating me that I would be arrested. I call hiim back and he couldnt tell me what online Payday loan I had taken out, but had all of my personal information. He is harrassing me. His number is XXXX. I wanted to set up payments but he transferred me to XXXX XXXX XXXX who still could not tell me who I was paying. I didnt give him payments because he could n't tell me what company my loan was with. I 'm not giving out my bank card to just anyone. Please help stop them from contacting my job.
Product: Bank account or service

My bank sends me spam that they claim is " non-promotional '' email, even though it is clearly solely to promote their mobile banking product which I do not use and have no interest in using. The only apparent way to stop it is to revert to paper as I am already opted out of all marketing. NOT ACCEPTABLE. If they lie about this being " non-promotional '', what else are they lying about?
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. 

Quality Acceptance XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an address that is not mine. I have disputed but they have yet to remove. This address XXXX XXXX XXXX XXXX, CT XXXX is reporting on my credit report and I have never lived there. Then there are 2 creditors listing as XXXX/XXXX, I have never had an account with this company. Then they are reporting XXXX-XXXX Inquiry : XX/XX/2018, I spoke to XXXX in regards to the fraudulent inquiry and they informed me that they requested for Equifax to delete the fraudulent inquiry but yet it has not been deleted.
Product: Debt collection

NEVER RECEIVED NOTICE JUST DAMAGED CREDIT TREMENDIOULY
Product: Credit card

I am filing a formal complaint against Synchrony Bank for violating the Fair Credit Reporting Act ( FCRA ). Despite paying off my balance in full, Synchrony Bank has failed to update the credit bureaus, leading to inaccurate and damaging information on my credit report. 

This is a clear violation of FCRA Section 623 ( 15 U.S.C. 1681s-2 ), which requires furnishers like Synchrony Bank to report accurate information and to correct any information they know to be incorrect. Additionally, the prolonged delay and misinformation provided by their representatives may violate FCRA Section 611 ( 15 U.S.C. 1681i ), which mandates prompt investigation and correction of disputed information. 

I demand that the CFPB take immediate action to enforce these provisions and compel Synchrony Bank to correct the status of my account with all credit bureaus. Furthermore, I request a formal investigation into their reporting practices, as their actions have caused significant harm to my financial standing. 

If this issue is not resolved promptly, I will pursue all legal avenues available to me, including seeking damages for the harm caused by their negligence.
Product: Credit reporting or other personal consumer reports

Kindly remove and block the unauthorized accounts from my credit report as soon as possible. I did not initiate these accounts and have no information regarding their origins. Per USC 1681g, I am formally requesting their removal within 15 days. Enclosed are supporting documents for your review
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I had noticed I wasnt able to log into my cashapp account, it couldnt verify my info which was not normal. ( This is 2 days before my scheduled, expected tax return of {$6900.00} was getting deposited ) So I called cashapp and told them my cash tag had been changed, my picture was removed, email removed, and Last name taken off. I was not able to log in at all, but while on the phone with cashapp, they asked me if I was familiar with the most recent transactions, which were from someone I didnt know, they had sent me {$2.00} and then sent it back to themselves.They also asked me if I knew about the new device login from an android phone. I clarified that all of that wasnt from me, and they informed me that it seemed as if someone was attempting to do something sketchy. They put my account on a 48-72 hour security hold, still not allowing me to log in until the hold was clear. I told them my concerns about a very large amount of money coming in, in less than 2 days. They assured me that nothing or no one would have any type of access to my account until the hood is clear and we update all my information. Again, they reassured me not to worry, my money was safe and to wait for an email from them. 2 days go by and I have no email, so I called to see if I could log in and see if my return has been deposited. They told me the account was all hood and to log in with new and updated info. I logged in, had {$0.00} balance and checked my activity, and the most terrible feeling I had when I saw dozens and dozens around 50 transactions, back to back, each in the amounts of $ XXXX {$200.00}. They had all cleared, nothing was pending, no accounts were flagged, and all my money was drained. We then also saw that the unknown device was STILL logged in, which is how the scammers got access. Cashapp failed to take the correct security measures to prevent that from happening. I am just dumbfounded at how any financial institution could allow a number of transactions like that to go through without suspecting fraud. I opened a case with them, and in less than 24 hours they told me they denied my claim. I find cashapp completely negligible in doing their part in protecting our security. In my situation, its baffling knowing they were aware of suspicious activity, and somehow, {$6900.00} got fraudulently transferred in small increments within a couple hours. No security measures were taken, no protection, or verification methods. I need help in what to do next. I have reason to believe my situation was neglected and the outcome was highly unfair and disappointing. Please help me on what to do next.. thank you for your time. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED or DELETED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX Balance : {$61.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$1300.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$380.00} XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion  and XXXX  CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, TransUnion   and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX5 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. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681g - Disclosures to consumers ( 1 ) All information in the consumers file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Mortgage

On XX/XX/XXXX, XXXX XXXX XXXX  ( XXXX, NJ ) transferred the servicing of my loan to Loancare ( XXXX XXXXXXXX, VA ). XXXX sent me a notice on XX/XX/XXXX that they had become the servicer for my loan. That letter said that if I had auto-pay set up, then I needed to take no action, my loan would continue to be paid in that way. 

It is now XX/XX/XXXX, no payment has been made. I have no access to the XXXX online system, and I have no coupons or other materials to send them a check. I have contacted customer service and I keep getting new dates for when my loan will be active : initially XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX, now XX/XX/XXXX. 

My loan is accruing interest based on the amount of principle that is owed. I normally make an substantial payment of additional principle on top of the amount paid in my normal mortgage payment. 

And so, I am now nervous because no on-time payment has been made. And additional interest is accruing based on the outstanding balance of the loan that I can not pay down - either through a normal mortgage payment or through an additional principle payment. 

The new servicer also charges an additional fee for online payments that are made online ( the previous servicer did not ). That fee structure escalates throughout the month, {$5.00} after the 5th of the month, and {$10.00} after the 10th of the month. And so I will now incur additional charges to make my payment of additional principle because of this delay.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent Findings by the CFPB which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Debt collection

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Continued reporting of this account is a violation of the HIPPA Privacy Rule. The XXXX XXXX XXXX has no business purpose to continue reporting my private health information. I tried contacting the XXXX XXXX XXXX to provide proof of their HIPPA clearance, the name of the bureau 's registered agent, and license information. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Please remove this immediately.
Product: Debt collection

I continue continuing to reach out to XXXX and all three credit bureau and let them know this is not my debt I live in Texas and been here this is a debt in Colorado and all they did was continue to mail And harassing me about a debt I didnt do nor have no idea please help me
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXXXXXX, Account number XXXXXXXX XXXXXX/XX/XXXX, {$10000.00} XXXX XXXX XXXX Account number XXXXXXXX XXXX {$25000.00} XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXXXX/XX/XXXX, {$16000.00} XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX {$12000.00} I am writing to formally request the removal of inaccurate information reported by your company to the consumer reporting agencies. On XX/XX/XXXX, I requested verification of a debt and its accuracy. By the date of XX/XX/XXXX, your company verified it. I believe this information is incorrect and has negatively impacted my credit report, affecting my character, reputation, and livelihood. 

According to 15 U.S. Code 1681s-2, as a furnisher of information, you are legally obligated to ensure the accuracy of information provided to consumer reporting agencies. The reported charge-off, according to IRS guidelines , is considered income, not a debt, and should not appear on a consumer report. 

The IRS defines a charge-off as income, which is not to be reported on credit reports. Therefore, the current reporting is inaccurate. Furthermore, the IRS requires a 1099-C form for cancelled debts over {$600.00}, which I have not received. 

By law, you can not furnish information you know or have reasonable cause to believe is inaccurate. I demand that you cease reporting this inaccurate information immediately and remove it from my credit report. 

Please consider this letter as formal notice of the inaccuracies, and I request that you address and rectify this matter promptly. You have 10 calendar days to remove this entry from my credit report. 

Thank you for your immediate attention to this issue. 

Sincerely, XXXX XXXX