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

I am filing a complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices which violate the consumer financial protection act. ( Cfpa ) specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platforms, leaving my account vulnerable and unprotected. Furthermore their disputes resolutions process was unfair and deceptive as theydid not comply with error resolutions requirements underwhelming ( EFTA ) regulation code. These actions have caused significant inconvenience and fraud loss and I seek appropriate regressor these violations.
Product: Student loan

Under the Federal Save Plan my monthly payment due is XXXX. The payment is applied between a consolidated subsidized and unsubsidized loans XXXX and XXXX. The amount applied to XXXX is XXXX each month. The amount applied to XXXX is XXXX each month. 

On XX/XX/2024, I made a bulk payment of XXXX. The XXXX had XXXX applied as interest only. The XXXX had XXXX applied as interest only. 

I had wanted the other XXXX that made up the full XXXX to be applied to my loans as principal. 

I was told by multiple individuals at Mohela, that they applied part of my over payment which was XXXX to the consolidated XXXX ( unsubsidized loan segment ) on top of the XXXX that was due for XX/XX/2024. Mohela stated that they applied the XXXX amount because that was the accrued interest as of the date I made my payment. 

I don't disagree that I am accruing interest daily but it wasn't interest that was in arrears, thus as I understand simple interest loans, my overpayment of XXXX should be applied in its entirety to the principal. My statement would then cut for the XX/XX/XXXX payment due on or around XX/XX/XXXX. 

With transparency being a necessity, If I haven't been issued a statement showing I am due for the interest accrued, then how can Mohela apply that to XXXX to interest as they did. 

In summary if Mohela is able to arbitrarily apply an overpayment against accrued interest before the next bill cycle closes, even after I asked to have it applied to principal only, then this is a problem. I have reviewed as much as I could about payment application under the SAVE plan and I did not find any language that clearly explains over payment application.
Product: Mortgage

On XX/XX/XXXX I spoke with XXXX XXXX of Global Equity Finance Group , Inc, who can be reached as follows : XXXX XXXX XXXX Senior Loan Officer XXXX XXXX XXXX Direct : ( XXXX ) XXXX Email : XXXX Global Equity Finance , Inc . 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX refused to give me a loan estimate without documentation. I asked for his manager. I then spoke to XXXX XXXX, Senior Director of Sales who said they are not required to give me a loan estimate unless I provide documentation to them. 

I then read MrXXXX XXXX the rules ( see below ) explaining that they are required to give me a loan estimate within 3 days and they refused and reiterated that they do not have to give me a loan estimate unless I give them documentation, that I am misinformed and quoted me a law from XXXX. I provided all of the information that is listed below and is required to qualify for the loan estimate and they did a soft credit pull to confirm. 

Every website I have checked, confirms that the information below is correct and that I should be given a loan estimate. 

Thank you for your kind consideration. 

From your website : https : //www.consumerfinance.gov/ask-cfpb/what-information-do-i-have-to-provide-a-lender-in-order-to-receive-a-loan-estimate-en-1987/ LAST REVIEWED : XX/XX/XXXX What information do I have to provide a lender in order to receive a Loan Estimate? 
Since XX/XX/XXXX, loan officers are required to provide you with a Loan Estimate once you have provided certain information. 

Loan officers are required to provide you with a Loan Estimate once you have provided : your name, your income, your Social Security number ( so the lender can pull a credit report ), the property address, an estimate of the value of the property, and the desired loan amount. 
Your loan officer can not require you to provide documents verifying this information before providing you with a Loan Estimate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name 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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S. C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 ' business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX or XXXX XXXX or whichever date because this account shows different dates conflicting on any truth to understand the exact date under the account number ( XXXX ), another personal credit card account opened at XXXX XXXX  on XX/XX/XXXX or XXXX XXXX or whichever date because the data furnished for this fraud account has different information being publicly furnished under the account number ( XXXX ) and furthermore examined another XXXX XXXX  account opened at XXXX XXXX on XX/XX/XXXX or XXXX XX/XX/XXXX or whichever date as multiple dates are XXXX publicly furnished under multiple agencies under the account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've have not attached a list of the hand inquiries in questions a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. this has been Reported with the XXXX XXXX XXXX XXXX Police station in the United States Of America California Republic
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am reaching out to seek your intervention and support with an issue involving Wise, an online financial service provider operating in USA. My funds have been frozen for over 20 days, allegedly due to " international sanctions, '' which I find entirely unjustified and unacceptable. 
Background I hold a US account with XXXX and recently made a transfer to my Wise account in US nad my fouds have been blocked for investigation when the amount I did transfer was only XXXX. 
I do not understand why this transaction is under investigation. The transfer was initiated from a legitimate bank in the United States to Wise, which I understand operates legally in XXXX & US. As an online financial institution, Wise allows users to conduct transactions from anywhere in the world.

To clarify : The transaction originated from a legal financial institution in the U.S. and was intended for Wise. 
No transfers were made to or from embargoed countries such as XXXX, XXXX, XXXX, XXXX, etc. ( again, this was from the U.S. to Wise XXXX ). 
This transaction complies with all legal regulations and should not have been blocked. 
If Wise intends to analyze every transaction I make from the U.S. to Wise moving forward, I would prefer to close my account. I can not afford to have my funds frozen for more than 15 days each time. Therefore, I demand that my funds be immediately returned to my Wise account. While I am willing to close my account with Wise, holding my money for such a prolonged period is unacceptable and constitutes an act of theft. It is illegal for Wise to use my funds to generate interest or make investments without my explicit consent. 
Purpose of the Funds : These funds were intended to cover essential payments in XXXX, including : Rent, Education for my XXXX  child, and XXXX sustenance for my wife and child. 
Consequences : Any negative outcomes arising from this delay will be Wise 's legal responsibility, such as : Penalties for overdue payments, Expulsion of my child from school due to non-payment, or Eviction from our home. 
I have already demonstrated that my funds are lawfully earned, and the transaction was conducted between legitimate financial institutions more than 15 days ago. 
My Demands : Release the funds as per the original transaction immediately, or Return the funds to my U.S. account without further delay.

My Wise User Number : XXXX By withholding these resources, Wise is endangering my familys well-being, as they depend on this money for survival. I expect a resolution to this matter today.
Product: Other financial service

I was contacted by fedloan and told they could help me get monthly payments of XXXX dollars paying back my student loans then once i signed up i was told they could not help unless i payed them XXXX dollars and i did not act fast then the Gov could start garnishment of my wages.I startd paying XXXX dollars first payment then i went online and noticed they did nothing after reciving the first payment then i called to cancel thier services and was tol i could not do so if i did i was threaten with collectons atthat point and emails and phone calls
Product: Debt collection

Regarding this collection, I was involved in a motor vehicle accident in XXXX of this year ( XXXX  ). The opposing party rear-ended my vehicle and carried XXXX XXXX XXXX and was fully insured. After all of the reports were filed, and my vehicle was deemed totaled by the adjuster, XXXX XXXX paid the total due and everything was thought to be resolved. However, XXXX XXXX  sent me a bill totaling {$1500.00} stating that this was the remainder of what was owed on my vehicle. I then directed them to XXXX XXXX providing all of their contact information, as well as the contact information for XXXX that I carried on my car. After that, I did not hear back from anyone for several months and assumed that this bill was paid. However, I then received several phone calls from XXXX XXXX  asking for this payment. We then directed them to contact XXXX XXXX and XXXX as well. So fast forward to now, and I received this collection notice from FMA Alliance , Ltd asking me to submit the payment in full listed on the statement I have attached.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, Account XXXX XXXXXXXX is reporting inaccurate information. 
FCRA laws states all information must be 100 % accurate with all credit bureaus 1.Date Opened 2.Date of Last Activity 3.Balanced owed 4.Account 5.two-year payment history 6.credit limit this account is inaccurate because it doesn't follow the required standards. I challenge you to prove that this account and your reporting practices and process are perfect and complete. That includes following the Credit Reporting Industry 's Metro 2 Format standards. If you can't do that, then clearly my credit report and what youre reporting for is not accurate. 
pls remove or delete account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account mutiple times do to fraud I have sent my FTC affidavit form in and still the credit breau have not removed the accounts thats fraud they told me to send in my FTC form and I did and still havent remove it
Product: Debt collection

I have tried numerous times to talk to someone at XXXX XXXX about an auto debt that I paid off last year, on XX/XX/2020. If and when I actually get to talk to someone about my account, they say they cant help me. It was sent to a collections agency Messerli & Kramer PA. I had set up payments with them on behalf of XXXX XXXX to resolve this debt and it was paid in full. Messerli & Kramer said they notified XXXX that the debt was taken care of. Ally will not only update with the credit Bureaus that the account was settled and that there is a XXXX  balance. They are alleging I now owe another {$10000.00} 's. Which is the amount that was already paid. My credit score is dropping so far down, because they refuse to change my status. One of there representatives told me to file disputes, which I have done numerous times with no resolve. I have documents, and receipts with proof of payments made. I am not sure what else to do at this point. This derogatory remark is ruining me and my families ability to apply for any type of loans. During these difficult times.
Product: Credit reporting or other personal consumer reports

The company requested information and for me to upload the information to Experian.com/upload. I proceeded to upload on the website 14 ( nine ) different times. I tried different servers and devices. I called and they don't assist with server issues, IT problems or troubleshooting their website. Being a victim of Data Breach and Identity Theft, the listed items should be blocked and deleted from the account within 4 business days pursuant to FCRA 605B15 U.S. C. 1681c-2. I am unsure of how to proceed due to them not giving any information on how to correct due to this short timeline.
Product: Credit reporting or other personal consumer reports

I have attached a FTC report with a fraudulent account as well as I have listed 3 fraudulent inquires to be removed under FCRA 605b FCRA 15 usc 1681B should also apply as this account is unfairly impacting my credit and my ability to obtain credit for legitimate purposes.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

THESE ARE NOT MINE, I DID NOT AUTHORIZE FROM ANY OF THIS!!
Product: Credit reporting or other personal consumer reports

I am reaching out to file a complaint on XXXX, XXXX and TransUnion about items on my consumer report that, by law, should not be reported. These institutions are currently reporting items, and I would like to address it. On XX/XX/XXXX and XX/XX/XXXX, these companies reported a transaction as late. Per 15 USC 1681a, the law states ( 2 ) Exclusions : Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : ( i ) Reports containing information solely as to transactions or experiences between the consumer and the person making the report. This means that my transactions or experiences with your company are excluded by law from my consumer report. I am requesting that this transaction or experience be deleted. By law, it is not required to report late payments and I am asking that TransUnion, XXXX and XXXX cite the specific law that requires them to report a transaction as a late payment. The only potential law that addresses late payments is **15 U.S. Code 1666b - Timing of Payments : ** ( a ) Time to Make Payments : ** 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 to ensure that each periodic statement, including the information required by **Section 1637 ( b ) ** of this title, is mailed or delivered to the consumer at least 21 days before the payment due date. I am requesting that XXXX, XXXX and TransUnion provide the tracking number for the periodic statement that was mailed or delivered 21 days before my payment due date, along with all the information required under Section 1637 ( b ). If they are unable to provide that information, this is a violation per the FCRA. Furthermore, I have attached documentation from XXXX confirming that they have sent a letter to the three bureaus to update the 30 days late payment on XX/XX/XXXX. They did not remove this late payment and update the payment history to reflect paid on time. I have attached the letter as well as an identification affidavit, drivers license, social security card and a utility bill in which all were mailed. I am formally requesting the deletion of all transactions marked as late on my consumer reports.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to demand immediate action regarding the extensive and ongoing inaccuracies on my XXXX XXXX account ( # XXXX ) as reported by TransUnion , XXXX, and XXXX . Despite my repeated efforts to dispute and resolve these errors directly with each bureau, they continue to report inaccurate and conflicting information in clear violation of the Fair Credit Reporting Act ( FCRA ). 

Account Details and Reporting Inaccuracies : Account Number : XXXX Original Creditor : XXXX XXXX Balance Owed : {$410.00} Creditor Type : Utilities/Wireless Telephone Service Date Opened : XX/XX/XXXX Payment Status : Closed / Collection account / Seriously past due date Dispute Status : " Not disputed '' on TransUnion and XXXX , despite multiple formal disputes. 
Key Inaccuracies Across Bureaus : Inconsistent Date of Last Activity : TransUnion and XXXX list the last activity date as XX/XX/XXXX, while XXXX records it as XX/XX/XXXX, resulting in an inconsistency that must be resolved. 
Conflicting Closed Dates : TransUnion and XXXX show the closing date as XX/XX/XXXX, while XXXX lists it as XX/XX/XXXX. This discrepancy in such a key detail makes the reporting unreliable. 
Contradictory Payment History : XXXX shows this account as Charge-Off ( CO ) from XXXX to XX/XX/XXXX, while XXXX reflects on-time ( " OK '' ) payments in the same periods. This misalignment conflicts with the FCRAs requirement for accuracy. 
Incorrect Dispute Status : Despite my documented disputes, TransUnion and XXXX still list this account as " not disputed, '' violating my rights under FCRA Section 611 ( 15 U.S.C. 1681i ) for disputed information to be investigated and corrected. 
Incomplete Payment History Reporting by TransUnion : TransUnion does not provide any payment history for this account, creating an incomplete and misleading profile that fails FCRAs standards for accurate and complete reporting. 
FCRA Violations and Legal Consequences : The FCRA mandates clear, accurate, and verifiable information. These credit bureaus actions are in clear violation of : FCRA Section 611 ( 15 U.S.C. 1681i ) : Failure to correct or delete inaccurate or unverifiable information after a dispute. 
FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Failure to use reasonable procedures to ensure maximum accuracy. 
FCRA Sections 616 and 617 ( 15 U.S.C. 1681n and 1681o ) : Allowing consumers to seek damages for willful or negligent non-compliance. 

Intent to Pursue Legal Action : If these inaccuracies are not removed within 15 days, I will file a lawsuit under the FCRA for damages resulting from willful and negligent non-compliance by the credit bureaus. 

Attached are copies of my recent credit reports from TransUnion, XXXX, and XXXX, as well as records of my previous disputes. I trust that the CFPB will take swift action to ensure compliance with FCRA standards and protect my rights as a consumer.
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. I responded and mailed the form back to them within a few days as they requested the following information. 

How do you want to dispute the debt? 

I want to Dispute the Debt : A. The amount is wrong and the payoff was to be and I paid {$410.00} to Bank of America to settle 2 years ago. 

Quit contacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681s-2 ( a ) ( 1 ) The inquires listed below are unauthorized and inaccurate. I need these inquires removed from my credit report immediately. 

XX/XX/2022 XXXX XXXX ( Hotel and travel ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX  ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Bank )