23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

As detailed in a previous CFPB complaint ( XXXX ), on XX/XX/XXXX I ordered a treadmill from XXXX, Order Number : XXXX, for {$3700.00}. 

The terms of purchase through NordicTrack 's financing partner, TD Retail Card Services, were " 0 % APR for 12 Months with Equal Payments. '' I proceeded to set up these automatic payments on XX/XX/XXXX, however : Despite ( 1 ) setting up 12 monthly payments on TD 's own payment portal, https : XXXX, and ( 2 ) receiving verification of the payment account ( Chase Checking Acct ending in XXXX ), and ( 3 ) that account having more than adequate funds to service the debt, TD 's system failed to draw the amount from the payment account, and instead started allocating NSF charges and rapacious interest. 

I was in fact confused by the entire process since I had also entered my XXXX card information on XXXX during the purchase process, about which an email was written by me to my assistant on XX/XX/XXXX. **She was subsequently assured by TD that everything was set up correctly. ** Due to COVID and the related business closures via Executive Order, I have been away from my office in XXXX XXXX XXXX until just a few days ago, when I became aware via mail that accumulated over the past three months, that TD has not been properly processing the payments -- which I not only set up correctly but there own online system validated upon my doing so. After calling TD to straighten this out today, Previously, TD was trying to collect nearly {$4000.00} from me despite claiming the principal is {$2800.00}, which resulted in CFPB complaint XXXX. 

That complaint was met with return correspondence from TD Bank on XX/XX/XXXX claiming that, **despite having paid the balance referenced above in full ( {$2800.00} ) on XX/XX/XXXX, ** proof of which is attached, that as of XX/XX/XXXX I still somehow owe {$910.00}. 

Further, in the same XX/XX/XXXX correspondence, in which TD asserts " an automatic monthly payment was successfully established on XX/XX/XXXX '' -- and despite providing ample evidence that this account was initially used to disburse a payment AND that the same account remained well-funded, TD not only references a faulty account number ( XXXX ), containing an extra digit -- but claims that the payments were rejected. 

This claim of the payments being rejected is completely contradicted by ( 1 ) previous proof of adequate balances in the payment account ; and ( 2 ) their claim of a " successful automatic monthly payment being established '' -- a fact that my records reflect as well, corroborated by the XX/XX/XXXX correspondence between my assistant and TD. 

There is nothing owed at this point. TD 's practices are not only illegal but morally unconscionable. I am fortunate to have adequate resources to litigate the matter if this means of remediation is ineffective, but feel awful for those customers of TD who can not afford to defend themselves from these abominable practices.
Product: Mortgage

I am a homeowner who is in the XXXX field and due to COVID-19 I was working limited hours and only recently have we started to pick up hours almost back to normal. I am a single parent so there is one income at this point as well. I began the forbearance period in XX/XX/XXXX although I continued paying the mortgage until XX/XX/XXXX then with cut hours not coming back I stopped making payments due to the uncertainty of what the future holds. I spoke to my then servicer XXXX XXXX and they discussed future options with paying it back, they defer payments but I would owe my escrow. I spoke to XXXX at XXXX XXXX on XX/XX/XXXX at XXXX XXXX  to discuss my process to pay back and at that point I was told I owe {$5100.00} in escrow and then my regular payment would resume on XXXX XXXX. This was very fair. I filled out my loan modification package and emailed it back to XXXX XXXX. As I was waiting for a response from Loan Care I received a letter from XXXX XXXX saying I was sold to Gregory Funding as of XX/XX/XXXX. I called Gregory Funding many times to reach out and see how to begin payments. Each time I called I was told they don't have any information yet. Finally, I spoke to a XXXX [ forgot the date ] she mentioned that I should pay the now {$7500.00} escrow before they do an escrow analysis to avoid their escrow department calculating that into my monthly payment and it would go way up. Then, I spoke to XXXX on XX/XX/XXXX I wanted to get the exact escrow amount to pay and how I would pay it and should I also pay the XXXX payment. She advised me to not pay the escrow yet because if I had limited funds I may need that as a down payment after my mortgage was modified because they do not participate in deferral programs. She did recommend that I pay {$640.00} to at least make the XX/XX/XXXX payment complete. At this point I have no idea what to do it is impossible to get in touch with the company, each time I call there are 100+ calls they must take [ they have an automated voice that counts down ] if you leave a call back number they do not call back. In addition, I am basically told something different each time. I was also told a loan officer would reach out to me at some point to review my modification form that was forwarded from XXXX XXXX but I'm afraid that whatever payment option I do at this point it may hurt me financially and I'm very uncertain as to what step to take. A letter also came that said my mortgage was {$250000.00} before COVID-19 and now it's {$280000.00}. Where did the {$30000.00} come from if the idea of a forbearance was that interest would not be tacked on you were supposed to be deferred. Can this company change the deferment at this point or was it fair for XXXX XXXX to sell me to another company in the end of a forbearance before the exit was planned? Any help or direction would be greatly appreciated. 
Sincerely, XXXX
Product: Debt or credit management

Kikoff stole {$160.00} of my money and refused to return it.
Product: Student loan

I have federal and private loans with Navient. Never been late in my entire history except for one other date ( aproximently 1 year ago ) and it is because of the very same reason. I pay both loans separately as always. My two XXXX payments were ALL applied to one loan and the other was left unpaid. I changed absolutely nothing in my payment process and was surprised when I got notice of a late fee notice near the end of XXXX. At first I thought it may have been an error on my part, but upon checking with my bank and confirming with Navient this was not the case. Upon my first call on Thursday XXXX XXXX I was told this was going to be taken care of in 24 to 48 hours and they understood the issue. Saturday XXXX XXXX I received a treating call that I was late on my payments. Again I explained the situation and was again told 24 to 48 hours. Next day I called back and was told completely different time frame of XXXX XXXX for the late fee and payment to be corrected. I asked them again to confirm my repayment address and was told contrary information as to the previous. I demanded to speak with a supervisor. He told me my repayment addresses and account # 's etc were correct the vary same way I had originally been doing it. Today is XXXX XXXX and nothing has changed. Who will hold them accountable if they want to do this again next month? and the month after? I work very hard to make my payments even when i was out of work. Upon further inspection it appears they have been taking my extra payments and applying them where ever they see fit and not to where I post them. They pay have to principal and have to interest, is this even legal? I admit this is my fault for not paying closer attention. I feel there is no where to turn to for help. Please watch your loans carefully so that the same does n't happen to you. My loan was initially supposed to be paid off in XXXX after being sold to Navient it is now pushed back to XXXX per all the fees and wrongly applied payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX/dept of Ed XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, child support enforcement XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
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 and 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 seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. Experian sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. 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. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please fix the accounts below : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I applied for a short sale back in XXXX and we are in XXXX now and I just get the same response, " it is in review '', I understand it takes time to review documents, but you they asked for documents and I get them to them the next day and yet it takes them months to review these things. I am being transferred for my job and I can not afford two houses and this one is underwater. This should be a very simple response and the offer is great.
Product: Credit reporting, credit repair services, or other personal consumer reports

Originally, on XX/XX/2021, I initiated a conversation with First Advantage XXXX  to file a dispute regarding an error in the credit report received after their first investigation. They told me that 'their team ' had contacted the XXXX XXXX XXXX XXXX XXXX and 'verified the case to NOT be dismissed ' and the report was not amended due to this fact. I then placed a call to the XXXX XXXX XXXX XXXX XXXX in California myself, and spoke to the Records Clerk in charge of official document files. They informed me, after I gave them my case number, that the case was in fact showing dismissed. She was confused as to how First Advantage XXXX had received the wrong information during their investigation, as everything in my file shows dismissed. I then made my second call to First Advantage XXXX, to report what the clerk had said, and the only option offered to me was to file another dispute. The original dispute took almost 3 weeks to complete, and my potential employer received notification that it was completed with no amendment, but I did not receive this notification. I only found out it had been completed when I called to get an update, and subsequently filed the second dispute. I also requested to have a supervisor call me back, so that I could get more clarification about how the inaccurate information was obtained, and to hopefully have them call the same number that I did, to verify the case was dismissed. I received a callback from the supervisor later that day XXXX Friday XXXX. She was very knowledgeable of the case up to that point, and assured me that she would take it upon herself to call the Records Clerk at XXXX XXXX XXXX XXXX XXXX to verify the information, and that I would be receiving a callback from her on Monday. It is now Wednesday of that same week and I have yet to receive a callback from a supervisor or anyone from First Advantage XXXX, even after calling both Monday and Tuesday to seek assurance that I would be receiving that call. The only response I get is that I can submit a new request for a supervisor callback, or just simply 'wait ' for her to call. In an effort to speed up the process, I sent a personal check for {$25.00} along with a Request for Copy of Official Record to the XXXX XXXX XXXX XXXX XXXX on XX/XX/2021 and it was only just delivered today, so it will be a few more days before I am to receive that document stating the same thing that the Records Clerk told me over the phone. I don't believe it is my responsibility to take these steps on my own, let alone have to pay for processing fees to receive documents that are so easily verified with a simple phone call. My potential employer has been very patient with this process, but is unable to wait much longer for this to be settled, and I would hate to lose this opportunity due to an error in legal process.
Product: Debt collection

XXXX, a representative of Pocket Fund, contacted XXXX women from XXXX, stating he was calling them as I had listed them as references. XXXX disclosed the company name as well as went as far as stating he was affiliated with a loan company and the reasoning for the call was because they had not been able to reach me in regards to my delinquent account. 

At the time of obtaining this online payday loan, the only required provided information was my employer information, as well as residential, & banking account information. The XXXX women whom were contacted, I have no affiliation with. They live in XXXX, as I am in XXXX. XXXX of the women that were called, contacted my via Social Media to go as far as asking me why I took out a loan that I am not paying and listing her and her sister as references when we do not know each other. 

I had to apologize to this young lady for inconvenience, but I can assure you, it is rather embarrassing to have your private financial obligation to be discussed with a complete stranger. Mind you, my account is 18 days delinquent! When I contact XXXX he stated he did nothing wrong. To my knowledge, I thought the creditor was not to disclose even the company name, but rather inform the reference, or whomever if not the customer or consumer, that they are simply calling in regards to a personal business matter and are not authorized to release any other information BUT THAT! Still, XXXX insisted he did nothing wrong and asked how I wanted to pay my account today. He proceeded to tell me that if I did not pay that would lead to wage garnishment and I needed to take care of my past due balance.
Product: Debt collection

i used to have a credit card with capital one bank, and used to pay all my owed amounts on time, never been late once. 
but suddenly i received a letter saying that i Owe them {$3600.00} to the collection company XXXX XXXX XXXX, they did call me more than once and i told them that i did already reported to the bank that i lost my card and it had been used in different countries internationally which i have never been there and the bank said that it has been used card present so it is not online which proves that it is not me!! but they forward the account to this debit collector and they keep asking me to pay it or they will move forward and i did tell them the same info and they provided me with alot of letters and cases opened in the court against me!!! i have my passport that can prove that i am here in the USA and even when i travel, i didn't Travel to these countries that the card is used at, what should i do? 
all the transactions occurred in 2018 .if you can see any recorded calls with the bank, you will see that i did report them with this info since 2018 till today more than one time
Product: Debt collection

creditor did not have permission to contact my employer directly. I never gave them my email address or work phone info in a totally different state. 
I do not owe the original creditor ; yet they are still doing this repeatedly because of the actions of their own employee- who picked up the keys and fob of the apartment and had a party ( neighbors witnessed ). They then charged me with an additional month 's rent and cleaning fees. When I refused and provided proof I was accused of lying and that they should have never rented to " people like me, in the first place. ''
Product: Credit card

It seems FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you kindly review the documentation? Certain listed accounts appear to be inaccurate in their reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX year of 2021 i received notice that a change to my credit has been made from Equifax. I used the app i have to investigate the situation, upon clicking of Equifax I noticed a 70 pts drop in my credit. Giving that i have froze my credit there should be no reason why my credit dropped that low moreover the face that it just increased 98 points just back in XXXX. XXXX  XXXX XXXX has closed an account on my report which should not normally drop my credit score that much. I believe this an attempt to damage my report because of the investigation I have had in previous months. Accounts have closed before and none had a drop let alone a drop that low that is very impactful to my financial status. Why was the account closed without giving me proper notice about it being closed? Why did my credit score drop so much for an account closing?
Product: Credit card

I have a Credit Card account with Citi bank. It was set on autopay for XXXX of each month from a checking account ( let 's say Bank A ). For some reason, unrelated, the checking account on bank A is closed. Thus, I opened a new checking account in another bank. I canceled Citi 's Credit Crad autopay from the closed checking account on XX/XX/year> ( i.e., one day earlier than the autopay ) using Citi 's mobile banking app, in order to avoid the any fee. Immediately, I received a confirmation email for the cancelation of the autopay. However, Citi went ahead anyway and tried to cash the autopay in XX/XX/year> and when it obviously didn't go through, they charged me {$30.00} returned fee check. Via chatting with Citi 's customer service, I realized that they Citi bank made my autopay cancellation effective at XX/XX/year>. 

I asked the customer service ( via chat ) why the cancellation of the autopay was not effective immediately - as I received the cancelation confirmation immediately- and I was told that cancelation takes one billing cycle! In that case, people who want to change their bank account for any reason ( e.g., they have a closed bank account or insufficient fund in one account ) will be charged a {$30.00} no matter if they change their banking info before being charged or not. So, why people who need to change their banking info should do? 

Finally, the customer service advised me to report any possible error to a Citi customer service via mail! It seems that they make any issue reporting and rectifying request difficult with length customer support chat and then referring the customer to other sort of customer support method. Such practice creates a susception of exitance of systemically procedure of ignoring fair banking practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Victoria Secret # XXXX is reporting a late in XXXX I do not owe. I tried to log in to my account and pay it but it did not go through, tried calling several times and by the time I could get someone to process my payment two weeks had passed and it triggered the late payment. This was not my fault and there should not be a late on this account.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
DEPTEDXXXX XXXXXXXX Balance : {$4200.00} ; DEPTEDXXXX XXXX Balance : {$7500.00} ; US DEPT ED XXXX Balance : {$5800.00} ; US DEPT ED XXXX Balance : {$6800.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$510.00} 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 {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX