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

Cash app states that if you have direct deposit XXXX XXXX  each month you are eligible for payday up to 2 days early, Unlimited Free withdrawals at in-network ATM 's, Free overdraft coverage up to XXXX XXXX on Cash App Card purchases, and XXXX XXXX interest on XXXX. All of my bi-weekly direct deposits from my employer to my Cash App account dating back to XXXX have exceeded {$300.00} and I am not receiving any of the aforementioned benefits they offer. I called cash app support about this matter on XXXX, and they confirmed I was meeting the direct deposit requirement but did not know why I was not receiving any of the benefits and just apologized. 

Cash app has responded saying that my employer XXXX  XXXX XXXX is not issuing me direct deposit but instead ach tranferring me a portion of my paycheck. So Ive attached my paystub which specifically has cash app account listed under DIRECT DEPOSIT DISTRIBUTION.
Product: Checking or savings account

Starting early XXXX I started receiving statement from XXXX XXXX XXXX XXXX in the mail. Never look at them thinking they were junk mail until XXXX came that had a debit card in it. I called the bank and the verified that someone did open a acct in my name opened it on XX/XX/22 the bank closed it on XX/XX/22. The again started getting statements from Comerica bank. I called them yesterday the again verified that someone opened a acct in my name. Comerica closed that acct for me too. Also I had to log into my XXXX XXXX ( I only collect in the XXXX XXXX XXXX XXXX XXXX  ) Someone collected all of XXXX and XXXX weeks in XXXX. They have my SS number, address, birth date and email. 

Not sure what my next step should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask EXPERIAN to investigate accounts on my credit report that where inaccurate. when the investigate was completed i find that there investigation was one sided and went against the FCRA when they didn't get my side or anybody that was at the transaction. Which is a violations of federal LAWS. i send in a affidavit address these concerns to all the violations i found on XXXX
Product: Credit card or prepaid card

I opened a dispute for a XXXX transaction that was made on XX/XX/2021 for the amount of {$200.00} for service that was not provided from the original merchant. USAA response was that I had provided insufficient evidence to dispute the transaction in my favor. Upon a XXXX Complaint and CFPB Complaint their Office of the CEO relayed to me that due to XXXX Laws they were not able to request a refund for the amount a second time without approval from the Merchant ( XXXX ). I then requested the approval from the original Merchant ( XXXX ) and upon submission of the approval for a refund of the amount in question ( {$200.00} ) USAA has repeatedly denied the re-opening of the Credit Card Dispute or any resolution to the transaction being refunded. I have provided countless documentation of evidence that supports my right to a refund but they have disregarded it all and have told me MULTIPLE different things. " I need to contact the collection agency to resolve the matter '', " I need to have the Credit Card Dept. handle my request. '' ( The Credit Card Dept. transfers me to the Dispute Dept. ), " I have passed the window to reopen and reassess the dispute. ", and " I am responsible for payment of the amount regardless of my documentation ''. I have received countless harassing cards from XXXX XXXX for Collection from this Transaction, I have been severely harmed by the impact it has had with my Credit Report as they have continuously reported false information ( Late Payments and Charge Offs and reporting my account as Open when it was actually Closed ) and I have had to deal with countless people misinforming me. I want this resolved and the amount on my account set to XXXX like it should of been months ago! I want my Credit Score/Report fixed and I do not want to have a single dealing with USAA ever again! If I have to get a Lawyer for this issue I will as I have already tried everything through the proper channels only to be harassed.
Product: Mortgage

My loan was originally with Benchmark Home Loans. My loan was sold in approximately XX/XX/XXXX, and Mr. Cooper became my new mortgage servicer. Prior to Mr. Cooper becoming my mortgage servicer, I placed my homeowners insurance with XXXX XXXX XXXX Mr. Cooper has been receiving mortgage payments along with payments into an escrow account to pay my insurance renewal. 

My homeowners insurance renewal bill was issued by XXXX XXXX XXXX Mr. Cooper did not issue a check to pay the preium XXXX per their own admission. My premium payment was due XX/XX/XXXX. On XX/XX/XXXX, my premium was 8 days overdue with XXXX and they advised they had not received payment from Mr. Cooper. Therefore, I was forced to pay my homeowners insurance premium in the amount of {$2000.00} in full to avoid my policy being rescinded/cancelled for non-payment of premium. 

I pay into an escrow account and expect my mortgage servicer to promptly pay taxes and insurance bills. Mr. Cooper failed to pay my insurance bill timely, which could have resulted in a significant exposure by having my insurance rescinded, leading to higher premiums with less coverage. I have also had to previously remind them to pay my county tax bill to avoid penalties. Further, Mr. Cooper 's recent data breach has exposed my personal information. Mr. Cooper is failing to promptly service my escrow account and does not appear to be taking appropriate action to protect my interests.
Product: Credit reporting

I sent Experian information from several previous credit report indicating how XXXX XXXX, XXXX XXXX, XXXX, XXXX have errors on report. I sent statements from the website for XXXX, Prior reports for charge off that were modified and verified as correct by XXXX XXXX and XXXX XXXX, and copies of checks for XXXX and statements from XXXX website. Instead of correcting or deleting items that obviously are being misrepresented they sent me a report file stating " Unfortunately, we aree unable to add credit information into your personal credit report. We did not add data from private parties since we would be unable to verify or maintain the data. '' Yet they add data from furnishers that they do not verify as being correct.
Product: Credit card

Today XXXX XXXX, 2016 I did called the sears citi master card to request for credit increased. The male representative in XXXX XXXX, never even check his system he just asked my social security number, and never reviewed the report that I have, this company made a mistaked and went into my account, to enrolled me to a paper less payment, this company told me, that I owed them, and they said that there will be a late charged, Ive been in this company for almost 5 years, but I never missed my statement from them, there male representative declined my credit increased, and hang up on me, he ruin my credit report, I called there investigation department, and they said, that they will call this guy, but they will never call me anymore, is this a right policy, how this company ruin my credit, there representative told me, that my payment will be hold for 48 hours, so by Monday, that is the day I could apply for increase. Its not the company but the poor of this call center.
Product: Student loan

I am in the PSLF program and had to refinance into FedLoan Servicing when I enrolled in it. I requested a complete breakdown of each qualifying payment back in XX/XX/XXXX, and after about a year of waiting, FedLoan provided me with a letter detailing each payment that qualified, and each that did not. Many of the payments which had been back counted from when I was paying to my earlier servicer, XXXX XXXX, were shown to be amounts ofXX/XX/XXXX, or amounts under XXXX XX/XX/XXXX, short of the total billed amount, so they did not qualify, according to FedLoan Servicing. I myself have records from XXXX XXXX showing that the payments amount were equal to the billed amount, so those payments had been paid in full. I called FedLoan Servicing, and after great length and several support specialists, one told me that I might be in " paid ahead '' status, or I was for years. They were thinking that is what  happened based upon looking at the amounts. This means that they think I probably paid more than was necessary for a couple years ( I had made payments toward my loans when the amount due was {$0.00} ) and my billed amounts were lowered later on, and I should be paying an amount different than the billed amount. This information was never given to me, and there was no way to know that I should pay a different amount than the billed amount. FedLoan says that there is nothing I can do, but I would like these payments to be re-evaluated and considered to count as qualifying. I have not seen consistency in the information I've had from FedLoan over these years, so I do not think they are a reliable resource for recordkeeping or information at this point. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT AND I SENT THE FIRST LATER ON XX/XX/2018 TO. ATTACHED WITH MY IDENTITY OF THEFT REPORT REFERENCE ID # XXXX  WHICH STATES CLEARLY THE ACCOUNT THAT WERE COMPROMISED AND HAD FRAUDULENT ACTIVITIES ON THEM.

THIS IS THE ACCOUNT THAT I NEED REMOVED ASAP : XXXX XXXX XXXX XXXX # XXXX
Product: Money transfer, virtual currency, or money service

I was scammed out of {$400.00} using Zelle. I contacted Zelle to inform them that the person scammed me, and they were no help, nor did i get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to let XXXX XXXX XXXX XXXX put new negative information ( NP as of XXXX XXXX ) on an account that is clearly marked closed and was closed almost 2 and one half years. In XXXX I tried to handle this with the Bank and Experian. In XXXX I filed a complaint with YOU and Experian and the Bank. I was assured it would not happen again. On XXXX XXXX, XXXX Experian allowed XXXX XXXX XXXX XXXX posted a new NP ( Non Payment, the most harmful to credit score ) for the month of XXXX on the CLOSED ACCOUNT.. The loan was a V/A. Mortgage that I was foreclosed on. So XXXX XXXX XXXX XXXX was made whole to the tune {$60000.00}. grand and the V.A. bought the house at a price to make them whole and make about 10 Grand. Despite this XXXX XXXX XXXX XXXX has continued to harass me by making false claims on my Experian Credit Report and it appears Experian is in on the harassment.We lost personally over {$50.00} XXXX on this house. The V.A. appraiser and the seller were fishing buddies. The seller bought the house back after foreclosure for {$170000.00} and we paid {$240000.00}. We tried to get a HARP but XXXX XXXX XXXX XXXX  hired the same man to appraise the house. He did not want us to get a HARP so we could stay.
Product: Credit card

XX/XX/XXXX : I received a call from Chase Fraud Services that notified my Chase Card had been closed incorrectly. The reasoning was that someone called in stating a card came in ( my card ) was opened incorrectly under their account. Chase then disabled my card without confirming my identity or notifying me prior. I was only called to be told they made a mistake and I needed to take actions to reopen my card. The Fraud Team then sent me to the Recovery team where I was asked to send documentation to XXXX. I completed the step by sending over my ID. 

XX/XX/XXXX : At this point, I started recording a few of my calls and called back with questions since I was shocked the previous day. The Fraud Department then transfers me over to the Recovery Team which has not been very helpful. I requested Fraud Department Complaint ID : XXXX and was never updated on how this issue would be fixed or resolved. 

Regarding my card 's reinstatement, I was told I'd get a call back within a few days as a followup and never did. After the new year started, I gave them over a week before I followed up. 

XX/XX/XXXX : I gave another call but did not write down my notes as they told me the process can take 2-3 weeks and to give them a call back by XX/XX/XXXX if there's been no changes. 

XXXX : Before XX/XX/XXXX, I wanted to confirm my request has made some progress but it was still on hold " In Review '' and now it can take 30-60 days. I requested to get added onto the email chain to get my account escalated but was told I am unable to since it's an internal tool. 

XX/XX/XXXX : I recalled and now the review can take up to 90 days .... and no one from the Recovery department can help me contact the person reviewing my case. 

This has been a frustrating process as my account was closed incorrectly and I really want access to my points that were on the card ( XXXX ) .... 

I have attached the recording from XX/XX/XXXX to this report. Thank you to the person who reviews this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has yet to remove the account XXXX XXXX XXXX from my credit report, even though it's been over 7 years. This is a violation of the FCRA. I have taken this matter up with them over two times now and they have yet to comply.
Product: Prepaid card

I have a netspend debit, credit card, I have several direct deposit going into that account. 
On XXXX/XXXX/16 my retirement went into the account. Some called in and talk to customer service agent and ask to have my pin change and address. They transferred {$1000.00} into some name XXXX XXXX account without my knowledge. They sent me a email stating that some request pin change and wanted the money transferred, if you did not request please call right away. I did to let them know it was not me. They started talking about it would take up to 45 days It did not take them that long to give my money away. I 'm really thinking it is a inside job, there are so many complaints against Netspend of them not returning their money. They should be closed down if this is the way they conduct their business. Hope someone can help.
Product: Checking or savings account

On XX/XX/year>2025 I deposited a mobile check into my bank account and on XX/XX/year>2025 I received an email stating my account will be closed. I have tried numerous of times to get a supervisor on the phone so that Incan verify my information and withdraw my funds now having to take legal action just to get my money and close the account
Product: Mortgage

On or about XX/XX/XXXX, I spoke with XXXX XXXX of Loandepot regarding refinancing of my mortgage. He promised me that if I submitted timely all my documents as requested by Loandepot then I could close no later than the middle of XX/XX/XXXX. I complied and even relied upon his statements because I had work-related obligations in XX/XX/XXXX that take me away from my home area. In early XX/XX/XXXX, I was contacted by XXXX XXXX who is a loan application processor who stated that it was going to take 10 days to obtain a payoff quote from my current lender, and that could delay the loan. I contacted my current mortgage servicer and obtained the payoff letter in 3 minutes and forwarded it to Loandepot. I was waiting, hoping and relying that I would close by my rate lock end period on XX/XX/XXXX. At which point, I received a form letter saying that my rate lock was being extended to XX/XX/XXXX. XXXX XXXX, a manager at Loandepot assured me on XX/XX/XXXX that they would fastback my loan and would have me closed before I had to leave the country on or about XX/XX/XXXX. On XX/XX/XXXX, not having heard from Loandepot, I had to CANCEL MY LUCRATIVE CONTRACT because I was going to a location where internet was unreliable and there were no notaries. NOW, Loandepot sends me a letter telling me that my rate lock has been extended to XX/XX/XXXX. When I call them, NO ONE can tell me when I will close. Loandepot has been duplicitous in all of their representations to me. They have strung me along when I could have used another lender. I did everything I was supposed to do and yet they have taken from me the one thing I can not get back : my time! Additionally, I have lost the income from a lucrative contract that I can not get back. My reputation in canceling is mush. I don't know if they're breaking the law or not but they're XXXX sure breaking their motto : Customer service is our top priority! Thats a bunch of XXXX! I'll never use this company ever again!
Product: Credit card

I made a purchase at XXXXXXXX XXXX XXXX XXXXy and the owner offer a card, I thought I was getting a card you stamp for purchases! I keep getting harassing phone calls from Comenity capital bank, now they say I owe {$200.00} and I've never received a card to activate or any other correspondence as they don't know my address. They are ruining my XXXX XXXX each month. I sent a letter to Comenity XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX requesting this account be closed, and explaining I have never received anything from them in the mail. My information is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX E-mail : XXXX XXXX They never responded!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 the amount of the account by CCS COLLECTIONS is {$77.00} and I learned about this account through my credit report I contacted CCS COLLECTIONS on XX/XX/2023 and I was told to file a FTC complaint and fax in so I will fax in Today XX/XX/2023 by XXXX.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On several times there was money in the account but they were saying or waited to update what what have you and so my checks were returned or they were denied and some of them were for my rent some of them were for payments and so I turned around and basically I just ended up closing my account
Product: Checking or savings account

In 2020, my debit card and cellphone were stolen and the suspect attempted to make fraudulent transactions and perform an account takeover which prompted NFCU to close my account. I realized I was not able to log in the app one morning and when I called into customer care, the representative asked me what my last transaction was. When I confirmed the last one I remember, she said that it was incorrect and that my account will be closed and Ill never be able to join NFCU again. I never got a chance to even see what the suspect had done to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to address a concerning matter regarding the reporting of my credit information by your agency. It has come to my attention that late payments and credit utilization data have been included in my credit report, despite falling under the exclusions of transactions and experiences as defined by the law. 
I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( a ) ( 2 ), which requires consumer reporting agencies to provide accurate and fair credit reporting. Additionally, 15 USC 6801 and 6802 ( b ) ( 2 ) explicitly state that nonpublic personal information, including transaction and experience data, should not be disclosed without proper authorization.

By including late payments and credit utilization data in my credit report, your agency is in direct violation of these federal laws. As a result, this inaccurate and misleading reporting is adversely affecting my creditworthiness and financial standing.

Moreover, these violations raise serious concerns about this agencies blatant misuse of my personal information and other fraudulent activities. Under 18 USC 1028 ( a ), such identity theft offenses are subject to criminal penalties, further emphasizing the gravity of this matter.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute letter dated XX/XX/year>, regarding an unauthorized hard inquiry on my credit report. Despite my initial request, I have not received any acknowledgment or resolution from your agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX and Transunion Via certified mail and phone XXXX, XXXX and by phone XXXX clarifying and confirming that the other addresses never belonged to me and that they are still on my credit report. I included my ID, utility bill and SSN so they can verify my only address and name.
Product: Debt collection

I have requested many times to see the letter ( with date and address ) to which the original letter was sent. I have never received this. Also, I have disputed this item many times with the credit bureaus as LVNV continiues to improperly report this debt. This debt is a collection. Not an open account and should be reported as such. Also, they continue to report the date of first major delinquency incorrectly. This has been going on for far too long and is wrong. 

I have attached a few smapled of the letters I sent to the CB. Each time LVNV returns with more inaccurate information. Like now. Please help.
Product: Credit reporting or other personal consumer reports

According to federal law, as a consumer I AM ABLE TO OPT OUT OF sharing my nonpublic personal information and Macys must give me that option. Macys failed to do so. Macys CBNA Credit Card Agreement wasn't clear, concise, or reasonable for me to understand. There is no such law that states anything needs to be reported to anyone. Congress declared that consumer reporting agencies have ASSUMED their roles.

15 USC 1681 SECTION 602 A. States I have the right to privacy 15 USC 1681 SECTION 604 A SECTION 2. States a consumer reporting agency can not furnish an account without MY WRITTEN INSTRUCTIONS.

15 USC 6801 Protection of non-public personal information States each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information Confidentiality : The legal and ethical duty to keep certain information secret and not disclose it to others without proper authorization. Confidentiality is a fundamental principle in various areas of law, especially consumer transactions. Breach of confidentiality can result in legal consequences and is governed by specific laws and regulations. The obligation to maintain confidentiality is critical to preserving privacy and trust in professional relationships and business transactions.

Furthermore this account is incomplete, inaccurate, and missing data which further violates the FCRA.