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

At XXXX am PayPal refunded me XXXX USD To my PayPal account saying that the person I tried to pay account was closed. By XXXX am one of PayPal employees assumed I did not notice and stole the money before I could get to it. I want it back immediately and would like to report it. I have attached a photograph of the email I received this morning and the balance 3 hours later when I logged in to check the balance.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable. 

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation. 
2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as per

mitted under 15 U.S.C. 1681n and 1681o. This letter is your final notice to rectify your violations. Your failure to co
mply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

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

I am writing to file a complaint against Navy Federal Credit Union regarding Overdraft fees. Despite having sufficient funds available when transactions were authorized, I was still charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against NFCU for similar practices where transactions settled with insufficient balances despite having available funds. I believe these practices were done in bad faith and would like that issue to be rectified. During the time frame of XXXX I reached out to the company to discuss the matter and was often met with resistance stating that funds were not available so the fee was assessed even when funds were in fact available.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting me as an Authorized User on XXXX - account number XXXX. ( Please see page 2 of the attached credit report. ) I called XXXX XXXX  and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX have not removed this from my credit report. I have contacted the two bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ACCOUNTS : - XXXX XXXX XXXX Account # : XXXX XXXX XXXX  XXXX Account # XXXX - XXXX Account # XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was notified by XXXX that there was a change in my credit report and score, showing that XXXX XXXX had reported a collection account that is closed to my report resulting in a 71 point drop in my credit score. I immediately contacted TransUnion to dispute this, advising them that the reported collection account was NOT mine. 
OnXX/XX/XXXX i was able to contact XXXX XXXX   regarding this and they admitted it was submitted in error and should have NEVER been reported at all or even sent to them for collections. XXXX with XXXX XXXX assured me that on XX/XX/XXXXthey would send over the information to TransUnion that it should have never been submitted and that they would tell them to restore my original score. 
On XX/XX/XXXX I was notified by XXXX that the account was removed from my report however my score did NOT restore to the original score. I contacted TransUnion and was transferred 3 times and finally was told by a representative that they would not restore my score even though they had received information from XXXX XXXX to remove the account because it was done so in error. 
I have attempted multiple to resolve this however TransUnion is unwilling to do so. 
TransUnion is supposed to be CORRECT information and even though they were notified that the submission was done so in error, they are unwilling to restore my credit score from the 71 point reduction. This can have SERIOUS negative impacts not only with financial future but also have a negative effect on my career as any collections can have an adverse effect on my employment. 
I would like them to correct my score and restore the 71 points that it reduced it by.
Product: Credit reporting, credit repair services, or other personal consumer reports

Self states that under the Fcra they are not considered a consumer reporting agency but a data furnished. How is that when they provided a loan? They also stated that the data sharing policy can be viewed on their website but their is no mention of anything being mailed or signed stating that I agreed to any reporting. I have not received any documentation of the reporting and per my last complaint, I clearly asking to opt out of all services with them include any data sharing or consumer reporting as that is my right per all USC laws written in my complaint below. The FCRA does not trump the CFR and USC laws backed by our presidents. This account is to be removed immediately before legal action is pursued.
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 proce 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: Debt collection

Was removed before I could get out.Locked out 2017 the was changed before XXXX, added entries XXXX
Product: Student loan

I have been put in deferment or forebearance several times since starting my loan. I have been told over and over by Navient customer service that it is a better way to go while waiting for my bankruptcy to discharge the loans and now I have a bigger amount of interest to pay as its acrued and the discharges have not been done. 
Below you will see the bankruptcy discharge as well as the original amount did the loans and all the interest added over the years.
Product: Mortgage

In XXXX, I made a large prepayment on the principal balance of my mortgage that resulted in the payoff date being accelerated from XX/XX/XXXX to XX/XX/XXXX. In XXXX, I received my annual escrow statement from the bank. The escrow statement did not reflect the changed payoff date of the loan, and was requiring me to continue funding the escrow account as if the payoff date had not changed. Even worse, they were indicating I would have a shortfall and therefore were requiring me to INCREASE my monthly escrow payment. And even worse than that, the escrow statement plainly showed that the account already had enough money to fund any remaining payments to be made from the account through the end of the adjusted loan term. 

I contacted the bank and eventually was able to get the customer service representative to understand the situation, and they agreed to waive escrow. I asked if I would be charged for doing so, and I was told I would not be charged. 

Then, in early XXXX, I received a letter from the bank that they would be willing to waive escrow for a fee of {$32.00}. I immediately contacted the bank once again, demanding that they waive the escrow fee and was told the escrow department would have to handle the situation, and no, I could not speak to someone in the escrow department since they do not accept outside calls. I have yet to hear back from them more than six weeks later. 

Obviously the fee is a minor amount. What concerns me more is that the bank has clearly not programmed its systems to accurately reflect the impact of making prepayments on the loan. The impact to me was minor, but must result in significant overfunding of their escrow accounts, accounts on which they earn interest, but the mortgagee does not, i.e., they earn a lot of money unfairly based on their own mistake ( whether intentional or deliberate ).
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX : {$19000.00} ; XXXX XXXX XXXX : {$2300.00}
Product: Debt collection

I paid my debt in full and after about 6 months, they have started sending me bills that suggest that the payment never occurred. I 've made numerous attempts to contact them and they will not respond, though they continue to send bills, which now also suggest that I 'm one month behind paying a debt that I have already paid in full.
Product: Debt collection

In fall XX/XX/XXXX I received a call from Pioneer Credit Recovery, XXXX and was told they were trying to collect a debt that I owed. The woman asked for the last 4 digits of my SSN. She refused to tell me anything about the specific amount of the debt or who the creditor was unless I provided that information. I refused to do so. As there was a stalemate, we hung up. I have never received any notice in my mail of any debt owed, nor am I aware of anything owed. Pioneer soon began calling multiple times, up to 3 times a day 5 days a week, but I would not take the calls. On XX/XX/XXXX I filed a complaint with the FTC, and the calls immediately stopped. But on XX/XX/XXXX Pioneer resumed calling me, again up to 3 times a day 5 days a week. This time I blocked the calls, but my phone does record auto-rejected calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is keep replying by automated messages. They claimed that they mailed me the investigation summary but WITH NO PROOF. I requested, In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Where is your Method of Verification? Equifax is in violation of FCRA 611 ( a ) ( 6 ) ( B ( iii ).
Product: Credit card or prepaid card

Bank of America 's credit card practice is rip-off. my XXXX monthly statement balance was XXXX USD. I had auto-payments feature ON. On XXXX XXXX I paid my balance in Full manually, just by clicking button " Pay '' when I was looking at my statement. On XXXX XXXX XXXX XXXX issued XXXX refund on my card, which made my balance on credit card even negative, but regardless of all mentioned Bank Of America on the last date of grace period charged my checking account again and deposited XXXX the second time, ignoring two things : 1. I have already paid in full. 2. I even had a negative balance. <P/>I found out about that looking at my checking account and immediately called them. The conversation with call center employee entails this complain. she told me that it was MY fault that I paid in full having auto payments on. I tried to explain that Auto payment feature must take into account all payments made by customer and refunds if any, and that it this the way banks like XXXX, XXXX and XXXX XXXX work, but I heard " Based on our policy we will charge full last statement even if you have already paid ''. <P/>I am not a lawyer, but I am positive it is against common sense because it turns credit card to a nonsense product, and it should be against the Law. I experienced overdraft fee on my checking, which must be paid my BofA, but they ignore my complains.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 Experian received a notice from me that a different name a social security number variation and incorrect address was on my credit report. I asked Experian removed all address, extra social security numbers and any names that where wrong on my credit file. I showed them proof of my social security number and Maryland State Drivers License which clearly state my name as XXXX XXXX   XXXX and address. All these name mismatch is fraudulent and continues to help people commit fraud using my personal social security number. I own several rental properties and someone is using my information. I disputed this before any they removed now it is back. Please remove all these incorrect names from my credit report.  Report Number: XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This bank treats me horibke I apllied for a secured card they always give me a hard time I call to check status they saw oh everything is fine then the following week they need Verifiction when I call them their very rude to do it by phone then I get a letter that my application was denied because my address is suspected fraud which is ridiculous I call them they refuse to process my application for my secured card and wont believe its me not fair
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the account and yet they fail to remove.
Product: Debt collection

I sent them a debt validation letter to them and I didn't get a response, so I sent a certified letter this time and still no response. So I filed a complaint and they finally replied to the complaint. They sent me everything I wanted BESIDES A COPY OF THERE LICENSE A COPY OF THE ORIGINAL CONTRACT SHOWING THAT I HAVE A OBLIBATION TO PAY THE DEBT AND A PURCHASE AGREEMENT BETWEEN LVNV AND THE ORIGINAL CREDITOR SO I CAN VERIFY THE INFORMATION AND HAVE PROOF THAT IT WAS PURCHASED FROM THE ORIGINAL CREDITOR. .ACCORDING TO THE FCRA I HAVE THE RIGHT TO SEE ALL THE INFORMATION.
Product: Mortgage

My mortgage is with US Bank. For many months I have receive my mortgage bill in the same month that it is due and several days after it is due i.e. for XX/XX/2020, my payment was due on XX/XX/XXXX, and I received a bill that says statement date XX/XX/2020, scheduled due date XX/XX/2020. I received this bill on XX/XX/2020. As I understand it, I should be receiving this bill for XX/XX/2020 because the periodic statement rule states that I should be sent a statement within four days after the end of the courtesy period of the previous billing cycle which is XX/XX/2020. This also makes the mortgage information on my statement not correct and up to date. I was made to pay a higher interest rate when I got this loan for a paper statement so that I would have this information in black and white. 
I have talked with the mortgage billing department many times and have been given many reasons, excuses why they can't send me a bill for the upcoming month. They used to for many years, now they can't seem to do it. 

Thank you for your help XXXX XXXX XXXX
Product: Checking or savings account

I have an account with USAA bank and had a previous additional account holder. The additional account holder was removed ( or should have been removed from my account over a year ago. On XX/XX/2020 I was alerted that my account balance had been totally taken to XXXX. After contacting the bank, I was told there had been two transactions made by the previous account holder one for {$2400.00} and another for {$1100.00} transferring all funds that were in my account to an account he had just opened. I immediately told the representative this was unauthorized and to return my funds. I was told he was never removed from my account so there was nothing I could do about it. I asked to speak a supervisor and was given a lead. The lead repeated the same thing as the representative and I again requested a supervisor. A supervisor contacted me the next morning XX/XX/2020 stating that USAA made a mistake they located all the documentation ( it was misfiled ) to remove the previous account holder and my funds would be returned. A week later I still had not received my funds back so I called back and was told that it was determined that there was no fraud and the case was closed with the previous account holder still on the account although they found the documentation. After speaking to several people they apologized again removed him changed the address back to the correct address and sent it back to the fraud department to review and return my money to my account. I received a letter dated XX/XX/2020 stating once again that after review they determined the there was no fraud. This person was supposed to be removed from my account a year ago and was allowed to transfer over {$3500.00} from my account without my knowledge. I have filed numerous claims stating this transaction was unauthorized and am willing to file a police report if needed. The bank has admitted fault more than once but yet I am still fighting to get my money back based on bank error. I received a call on Tuesday from an advocate who stated he was handling my account and I would receive a call or email the next day to verify the totals of the amounts to be refunded into my account. It has been several days 2 months after the initial occurrence and I have not received an email or a telephone call. I have left messages on his extension and no one is calling me back. Can you imagine if someone took over {$3500.00} from you or your family how you would feel if no action was being taken on resolving the matter. 

USAA has previously responded that they will respond within 30 days. My complaint with this forum was initially filed on XX/XX/2020 it is not XX/XX/2020 an still no resolution. I have been attempting to get my money refunded to my account since XX/XX/2020.
Product: Credit reporting

XXXX XXXX sent me XXXX cancellation of debt notice for a charge off account in 2012. The XXXX forced me to claim this as income on my 2012 taxes which i was penalized for on my tax return for that year. Now on my credit report XXXX XXXX has continued to report a balance, past due balance and a status of this account as an open charged - off. This seems to me that XXXX is trying to collect on an account that has already been resolved. This account is about to be removed from my credit report in XX/XX/XXXX/ XX/XX/XXXX but I still feel the need to file a complaint because they have never responded to any of my disputes. The credit reporting agencies have allowed XXXX to keep my account in disputes past the 45 days that a required response is needed. Further more XXXX flex has continued to increase the balance on my account even though the account is a year past the collectable statue of limitations. The only response i have ever had from XXXX flex was a letter telling me to call their call center in XXXX and when i did the call center was unable to locate my file in their system to give me an answer to status of my account.
Product: Credit reporting or other personal consumer reports

I filed a report with the FTC for identity theft because my personal information was exposed in a data breach over 3 billion consumers personal information. I episode like and appreciate to have all accounts showing on my credit report removed pursuant to 15 USC subsection 1681 immediately.
Product: Debt collection

I checked my credit report and saw I had a account for collections, but I didnt open this account continental finance Acct # XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as my follow-up regarding the disputed accounts on my credit report, which remain unresolved. I previously submitted a request for reinvestigation, but I have yet to receive a satisfactory response. I am again requesting that you provide the source of this information and the specific methods used to validate its accuracy.