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

I am filing a complaint with cash app due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effectively measures to prevent and address fraud on their platform, leaving my account unprotected and vulnerable. Furthermore, their dispute resolution process 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 see appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I disputed multiple late payment accounts and unauthorized inquiries with the credit bureaus, but they failed to remove the inaccurate information despite my disputes being supported by valid documentation. The bureaus either verified the accounts without proper investigation or did not respond appropriately within the required timeframe. As a result, these inaccuracies continue to negatively impact my credit report, and I am seeking CFPBs assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

The current addresses on my credit report are incorrect, please update to this address " only '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Date of Birth : XX/XX/1968 SS # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX. 
Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : The following information is incorrect 1. Validate And Verify debt DISCOVERBANK Account Number : XXXX Please remove it from my credit report. 

Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 U.S.C. 1681i ( a ) ( 5 ), I demand the immediate investigation and deletion of all inaccurate, outdated, or unverified accounts and inquiries.
Product: Student loan

I submitted a student loan application to Sallie May and denied me twice. I asked for a supervisor 3 weeks ago and never called. I wanted to escalate this situation to the appropriate department to show that I really need this loan to my only opportunity that I will from an education. Salie May wants a co-signer and I don't have anyone. My classes start this Monday.
Product: Checking or savings account

I am writing to file complaint against Navy Federal regarding multiple overdraft fees, I have occurred despite having insufficient funds when transactions were authorized I was charged fees due to lagged posting of charges and credits. This issue aligns with recent findings against Navy Federal fOr similar practices. Where transaction settled for insufficient. Balances, despite initially having the funds. It is unfair and I would like for my account transactions to be investigated
Product: Student loan

My student loans are managed by FedLoan Servicing and since being transferred to their service I have experienced significant issues - for the past few years I have to annually request a recalculation since they use my household income to calculate my payment, but fail to include in the calculation that both my husband and I have student loans. Additionally, during the last recalculation I requested a forebearance until they recalculated my repayment - they did not apply the forbearance, though they indicated that they had during our phone call, resulting in an unknown missed payment. My payments are direct debit, so I find it odd that I could simply " miss '' a payment ; the mistake could only have been caused by their representative. 

I only just found out about the missed payment from XXXX - they claimed to have sent me emails and mail, which I never received until recently. I save every email from them and responded to the first one- received yesterday- that indicated delinquency. I am a responsible person, I pay my bills, and address issues as they arise. Since my loans were transferred to this company I have experienced significant issues that have resulted in me overpaying on loans due to miscalculation and now an erroneous delinquency on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrectly to XXXX  and Transunion that I was late on making payments to partial account numbers : XXXX and XXXX ( please see page 13 of the attached credit report ). I was deployed at this time ( copies of orders attached ). Pursuant to the SCRA ( Servicemembers Civil Relief Act ) these benefits may be used to delay payments and/or defer payments. Please see Benefits offered by the SCRA listed below. 

Benefits offered by the SCRA include : Lets you terminate your telecom contracts ( telephone, cable, internet, video & audio streaming, etc. ) if you relocate for at least 90 days to a location that doesn't have coverage under your current provider Lets you end a vehicle lease you signed before joining if you are mobilized, XXXX XXXX, or deploy XXXX for at least 180 days Lets you end a housing lease without penalty if you deploy for 90 days or more Lets a surviving spouse terminate a lease if their partner dies on XXXX XXXX Lets a military spouse claim either their home of record, the service member 's state of legal residence, or the state they are living in for tax purposes Limits interest on all loans taken out before joining the military to 6 percent. This includes auto loans, mortgages, student loans, credit cards, etc. 
Also, it says that if you use any of your SCRA rights and delay payments it won't reflect on your credit report This inaccurate reporting is harming my credit score.
Product: Credit reporting or other personal consumer reports

XXXX XXXX mandates the removal of any erroneous accounts from my credit report. Would you mind examining the documents? Several of the listed accounts display inaccuracies in reporting, with incorrect amounts and dates.
Product: Mortgage

Hello - This is regarding my effort to get the PMI removed based on the appraised value. 

My mortgage originated in XX/XX/XXXX with the first payment in XX/XX/XXXX ( including the PMI portion ). And therefore, with my XX/XX/XXXX payment I have made 2 years ( 24 months of PMI payment ). 

I have sent multiple request to Fifth-Third bank to initiate the process of appraisal to remove the PMI. At first they gave the wrong facts and declined the request, saying my loan started only in XX/XX/XXXX' which weren't the case, instead it started in XX/XX/XXXX. Since then I am been told the bank is still reviewing the case. It's been more than 1.5 months and the bank is still reviewing my case. I even provided the bank with proofs showing my first payment was in XX/XX/XXXX which also included the PMI portion. I have talked to multiple supervisors at their bank and everyone has the same thing to say, " we will get this reviewed again and someone will get back to you in 3-4 business days ''. And when that individual calls same old story - " we are in the process of reviewing ''. As I said its been more than 1.5 months and they are still reviewing. Based on the facts, I feel 53 bank is in violation of the law and is cheating me by squeezing out more payments and refusing my right to get the home appraised so that I can get the PMI removed. Last I talked to XXXX XXXX at 53 bank, she said you don't have two years of payment so when you make the XX/XX/XXXX payment we'll review this case. On making the facts clear to her and by literally making her count the number of months from XX/XX/XXXX to XX/XX/XXXX ( both months included ), she realized I have already made 2 years of payment but still said " make the XX/XX/XXXX payment ( which was my 25th payment ) and then we'll review, which clearly is showing how this bank is trying to get more money out of me. I humbly request your intervention for an immediate action and also teach a lesson to banks like 53 that they can not refuse customer rights nor can they cheat them.
Product: Vehicle loan or lease

I obtained a car loan through XXXX XXXX XXXX back in XX/XX/XXXX. The loan was then transferred to XXXX XXXX XXXX. I filed bankruptcy in XX/XX/XXXX and elected to voluntarily surrender the vehicle. I was informed by the lender 's attorney that they are not coming to pickup the vehicle. They have filed a claim in my bankruptcy case for the balance of the loan ( {$4400.00} ). I now have a vehicle I can not dispose of, if they are not going to repossess it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX : {$1400.00} I believe the information being reported to be inaccurate.
Product: Student loan

This is regarding Navient. I have two complaints against them ; 1 ) they misled me on late fees, 2 ) they will not offer flexible payment options even though I told them my income varies week to week as a XXXX, and that in the XXXX I am unemployed, as XXXX are not salaried like XXXX. 
I was put into a Rate Reduction Program from XXXX. I was told I can pick my own payment dates, I picked the end of every month as the due date. I gave them my bank account number so the payment is debited every month at the end of the month. When I logged into my account online I see that I was consistently charged a late fee of {$6.00}, and overall, my payments were applied to interests and other unspecified " fees '' that were not explained. Out of the {$130.00} I pay monthly, very little if at all goes to the principal. Secondly, when I called them to extend the reduced payments, and to ask about the fees I see online, I was laughed at by customer service, and rebuffed by the supervisor. I was denied an extension of the reduced rate, and my monthly payments will go up despite my income being the same. Please help!
Product: Debt collection

There are a couple items listed on my credit from this company which I have never been notified, they are unknown to me and I have health care coverage. These are false I need help I have disputed them with nothing being received. The accounts showing are as follows Commonwealth Financial XXXX {$880.00} Commonwealth Financial XXXX {$880.00} Again these are unknown and I have never done business with this company or any company for this amount of debt.
Product: Credit reporting or other personal consumer reports

I've never been late with XXXX XXXX XXXXXXXX but according to my credit report i have XXXX late payments XXXX, XXXX XXXX XX/XX/XXXX and XXXX and XXXX of XXXX A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

i have never recieved two satments in a month or a notcie of me being late ive been late on this account the lates where removed and put back The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report.

under the fcra The Fair Credit Reporting Act ( FCRA ) is a federal law that protects consumer credit information and regulates credit bureaus to ensure fairness and accuracy. The FCRA allows consumers to dispute inaccurate information on their credit reports, including late payments. Creditors must remove inaccurate late entries if proven. The FCRA also states that late payments can't be reported to the three main credit bureaus until at least 30 days after the due date. However, some creditors may report late payments after 60 days
Product: Credit reporting, credit repair services, or other personal consumer reports

tried disputing/fixing with the company directly numerous times. 
never had any consent/permissible purpose to furnish accounts ( 15 use 1681b ). 
violation of my right to privacy.
Product: Debt collection

Dear Sirs : XXXX XXXX XXXX is aware that I reside in a area that was affected by Hurricane Harvey in Texas. My county is one of many under The Federal Emergency Disaster Declaration that went into effect on X/XX/17.

Consequently, I am under a 90 day moratorium issued by FEMA since I have a FHA backed mortgage. C.M.S. is fully aware of this as indicated by them verbally and in writing.

This Federal Moratorium prohibits any Forclosure or Collection related activity thereof from X/XX/17 onward and possibly extended. 

However, I continue to get harangued with phone calls and letters threatening Forclosure and most recently from an outside agency CMS has since contracted with as seen by the attached letter herein. 

I have asked them to please stop these attacks and to respect the law set in place due to this Natural Disaster mandated by FEMA. This harassment is uncalled for and perhaps illegal. 

Very truly yours, XXXX XXXX Re:XXXX
Product: Mortgage

On XX/XX/2020 I spoke with XXXX at Suntrust Mortgage, and asked for a Covid 19 Care 's Act Forbearance. XXXX assured me that I had been accepted for the Care 's Act forbearance.. 
I have been barrowing money from my family to make my payments as a result of XXXX XXXX temporarily closing do to the pandemic. On XX/XX/XXXX Suntrust sent me a letter, informing me that I was automatically placed into a Suntrust Forbearance ; in which I had declined, because that would put me in foreclosure and bankrupt me. As a result I have contacted Suntrust Mortgage eight times in the last thirty three days, stating that I do not agree to, or except a Suntrust Forbearance, and that I am eligible for and want a Federal Care 's Act Forbearance. Their re sponce to me has been very mixed, and came down to todays contact with one XXXX XXXX, at XXXX XXXX. who informed me that they don't offer any other forbearance accept the Suntrust, in which they have automatically placed me, by way of which they have asked me to write a letter of hardship back in XX/XX/2020, then they disclosed their terms, and I declined, and managed to make my payments until now. Also, for this reason they refuse to take me off of their program, and put me on a Care 's Act Forbearance ... On XXXX XXXX I sent Suntrust a notorized copy of my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank was the original person I did business with. The account was charged off a few years back and Partners Financial took over this account now. I have made several payments through the court system and when contacting them they would not update that a few XXXX dollars have been paid toward this debt. They are still saying I owe the full amount of the charge off. I have tried to talk to the manager at the Partners FinanciaXXXX and she was quite rude and of no assiatance. I want to get this payment amount reflected and get this off of my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Student loan

On XX/XX/XXXX, I successfully submitted the Income-Contingent Repayment App ( with my IRS info ). The confirmation email stated " We have sent your income-driven repayment ( IDR ) plan request to your federal loan servicer ( s ) to process the request. You can expect to hear from your servicer ( s ) within four weeks, but it may take longer if additional information is needed from you. '' I called my servicer on the XXXX of XXXX ( XXXX ) and the confirmed everything necessary was received. Was told I could expect an update in the next 2 weeks. 

I received no update so I called again on the XXXX of XXXX and again confirmed everything was received but was then told my application was processing and it could take another " 45 business days '' to update. I expressed concern that my first payment ( in XXXX ) would not be for the correct amount and I was told that I would need to call back and check. 

I called back to try someone else and after hours on hold decided to email. The recording and online contact form promised a response with 48 business hours. I submitted the email the evening of XX/XX/XXXX to XXXX. The confirmation email stated " Thank you for contacting Aidvantage via email. Please do not reply to this email as it is an automatic response.You can expect a response from one of our Customer Care Specialists within 2 business days '' I attempted to call again after a few days of no response but finally received a reply XX/XX/XXXX! ( Case # XXXX ). Below is the reply. 

Thank you for reaching out to us regarding your Income-Driven Repayment ( IDR ) Plan request. I have reviewed your account and I'm happy to assist. 
Our records indicate that your Income-Based Repayment ( IBR ) Plan expired XX/XX/XXXX. If you'd like to continue making Income-Driven Repayment ( IDR ) Plan payments, you'll need to renew your plan immediately. 
The fastest and easiest way to apply is online at StudentAid.gov. For your convenience, you can provide consent for the Department of Education to obtain your federal tax information directly from the IRS ; this will automatically calculate your monthly payment amount and allow your IDR plan to be renewed annually. 
We did receive your request to switch your Income-Based Repayment ( IBR ) Plan to the Income Contingent Repayment ( ICR ) Plan on XX/XX/XXXX. 
The Income-Based Repayment ( IBR ) Plan is the only Income-Driven Repayment ( IDR ) Plan that has an exiting procedure. I apologize, because of the? exiting procedure? associated with leaving your Income-Based Repayment ( IBR ) Plan, you would need to contact our call center to request the ICR Plan XXXX Please call XXXX Monday XXXX XXXX XXXX XXXX XXXX., Tuesday and Wednesday XXXX XXXX XXXX XXXX XXXX., and Thursday and Friday XXXX XXXX. to XXXX XXXX., XXXX. 
Best Regards, XXXX, Loan Servicing Specialist Aidvantage - Official Servicer of Federal Student Aid ref :! XXXX.! XXXX : ref
Product: Debt collection

To whom it may concern ENHANCED RECOVERY CO # XXXX is an account that was legally discharged in a bankruptcy USBK COURT XXXX OHIO Docket # XXXX. Please delete this account at once it is an error!
Product: Checking or savings account

Second complaint - not a duplicate : I am a customer of Bank of America and have two checking accounts with them. On the last several days, Bank of America has been delaying transactions and posting them several days after the transaction was processed. On XX/XX/2018 Bank of America accessed a late fee of {$35.00} to one of my accounts for overdrafts fees when my account was never overdrafted. Yesterday ( XX/XX/18 ), I had an available balance of {$9.00} and I transferred those funds to my second Bank of America account. Today Bank of America posted another overdraft fee in the amount of {$35.00} to my account for {$35.00} and a transaction from XX/XX/18 was posted to my account in the amount of {$9.00}. 
Bank of America has been using the tactics of holding transactions longer than usual and showing funds as available balance online without the holding or processing transactions and accessing excessive fees to accounts. They are not taking responsibility on their glitch or predator tactics. I have been a victim of those tactics and unable to have those fees refunded by representatives. Today I spoke with XXXX and she refused to transfer me to a supervisor and also refused to reverse the {$35.00} fee. In five days I have been charged {$70.00} in overdraft fees by Bank of America.