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. ( CFPB ) .Cash fail to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 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.
Product: Debt collection

I HAVE BEEN A VICTIM OF IDENTITY THEFT. A BANK OF AMERICA CARD WAS OPENED UNDER MY NAME BUT IT DOES NOT BELONG TO ME. I HAVE DISPUTED THIS ACCOUNT SEVERAL TIMES AND UNFORTUNATELY NOTHING IS BEING DONE. WHEN I CALL CUSTOMER SERVICE AN ACCOUNT UNDER MY NAME IS NOT EVEN LOCATED I AM TOLD ITS AN AUTHORIZED ACCOUNT. THIS ACCOUNT IS NOT MINE AND I HAVE SENT ALL DOCUMENTS NEEDED TO PROVE THIS DOES NOT BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously filed a complaint and requested a debt validation- it has been 30 days and the company has yet to be able to validate the debt.

Per 809. Validation of debts ( 15 USC 1692g ) the company is in violation. Please delete from all 3 credit bureaus immediately.
Product: Debt collection

I am a victim of identity theft. there attached is a identity theft report I am writing to address the ongoing violations of the Fair Credit Reporting Act ( FCRA ) that have yet to be resolved, despite my previous dispute letter. The violations are as follows : FCRA Section 607 ( a ) ( 4 ) - Consumer Right to Privacy : You are continuing to report fraudulent accounts on my credit report that do not belong to me, which is a clear infringement upon my privacy rights. As I mentioned before, I have the sole authority to determine what information should be considered private. I insist that my hard inquiries and account information not be shared on my credit report. FCRA Section 623 ( a ) ( 2 ) - Misleading False Reporting : The information you continue to report falsely suggests that I applied for multiple inquiries and accounts, when in reality, these were the result of a scammer 's actions. 
account name XXXXDiversified adjustme open date XX/XX/year> amount {$1300.00}
Product: Mortgage

I applied for a land loan with America First Credit Union and submitted all the requested documentation. Upon review of the documentation, they sent me a term sheet/loan estimate and notified me that the loan was approved contingent upon an appraisal that placed the XXXX at XXXX  % or less. In order to proceed to closing, they required me to pay a {$1000.00} non-refundable fee that accounted for the cost of the appraisal as well as some origination fees. The appraisal was received with a value that exceeded the expected market value and placed the XXXX at XXXX %. During the week of closing, America First emailed me explaining that they would require an additional guarantor or they would not close on the loan. Additionally, they stated they would change the loan terms based on the income of the additional guarantor. I did not send them nor did they request any additional financial information after the loan estimate was signed and the appraisal was completed and paid. There has been no change in financial circumstance that would warrant a change in the loan estimate after the {$1000.00} fee is paid. 

I have all of the communication from above in emails that I am able to forward over to you, if requested.
Product: Prepaid card

In the year of XXXX  I had started to repair my credit., My credit card company XXXX XXXX  as well as XXXX suggested appliing for a Total credit card which i did, I was paying this Total Bill with my SSA monthly payments . Because of the specific date i get paid on, I was always late on my Payment. I explained this to them and they said I could not change the payment date, So everymonth the second my check hit the bank I was calling trying to make the XXXX XXXX deadline, But they informed although their branch was on the west coast, as i am, their financial branch was on the east coast, so i was technically late and was charged a XXXX finance fee. I could not afford this any longer and had option but to close the account. Now they have accessed personal information on line and are contActing my relatives and even my ex husband trying to find out how to reach me. they are making threats that they were sending someone to my house to serve me legal documnents for a XXXX balance that has grown out of control with late fee charges
Product: Credit reporting, credit repair services, or other personal consumer reports

According 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. 

XXXXXXXX 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 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.

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

I recently reviewed a copy of my credit report and I noticed unauthorized, fraudulent, and inaccurate, information, accounts, on my report, I also was alerted by MY FICO and XXXX XXXX my information was exposed and compromised and I was a victim of the Equifax XXXX Breachand on the dark web for fraudulent this information is hindering my ability to obtain credit. In accordance with FCRA 15 USC 1681 I am requesting to have this information removed from all three of my credit reports with Equifax, XXXX XXXX, and XXXX within a reasonable amount of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : Experian : XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$5900.00} XXXX  XXXX XXXX Balance : {$580.00} XXXX XXXX  XXXX XXXX : {$0.00} XXXX : XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$5900.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$580.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Vehicle loan or lease

I have had an auto loan with Penfed for a 4+ years. I make my payments online through their website but recently, even though I have been trying to make my last loan payment for the past two months, I have been locked out of their site. 

I live in XXXX and occasionally go to XXXX for medical treatment, so all my payments are made from the same locations, with the same IP addresses. 

I was going to XXXX, so I tried from XXXX to make an address change online so that I could receive the discharge documents at my XXXX address. 

There are no land lines or cell towers available at my residence, so i had canceled my cell service about 3 years ago. I have been totally XXXX for years now, so I rarely leave my house. 

When I tried making the address change to XXXX ( which was my previous address on the loan as well before I moved to XXXX ), it wanted a phone confirmation so I canceled it since the phone number they had was no longer operational ( no optiom to change it or receive an email confirmation either ). 

So I decided to change the phone number to an IP phone, but in order to do that, it again wanted to send me a confirmation through MY OLD PHONE NUMBER. What kind of stupid programming does that? Why would anyone get a new phone number and retain their old one? As a result, it locked me out of the system and I couls not get back in, with a message to CONTACT THEM BY PHONE. 

I sent them 2 emails and a message through their automated message page on their website explaining my situation, yet the only reply I received was one telling me to call them. I live in XXXX XXXX in XXXX. Other than gas station stores, there are no stores, pay phones or even public transit service. I would have to drive 40+ miles to XXXX in extreme snow, which I DON'T, and then drive around until I could find a public phone ( which I am not even sure as to whether there are any ). 

So I want my account unlocked so I can make my layment and I will not be paying any fees for late payments either. In this day and age, what kind of website doesn't give you the option to be contacted by email??? 

Thanks ...
Product: Debt collection

Dear Afterpay Customer Service, I am writing to file a formal complaint regarding the high interest rates on installment loans that I have been charged. As a consumer, I believe that I am entitled to reasonable interest rates and fair lending practices under the consumer laws and codes of banking that are in place to protect us. 

I am currently not working due to medical issues and have been struggling to make ends meet. Despite my financial difficulties, I have made every effort to keep up with my installment loan payments. However, the high interest rates that I have been charged have made it nearly impossible for me to pay off my debt in a reasonable amount of time. 

I believe that these high interest rates are not only unreasonable, but also potentially illegal under the consumer laws and codes of banking. I would like to request that Afterpay investigate this matter and provide me with a resolution that is fair and equitable.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$320.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$350.00} 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 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 reporting or other personal consumer reports

I am writing to request the blocking and deletion of the following accounts and inquiries from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. The inclusion of these accounts and inquiries on my credit report is fraudulent and unauthorized, and I am entitled to have them removed as they resulted from identity theft or unauthorized access. 
The following accounts are to be blocked and deleted : Accounts : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

What I was told over the phone by mangers and representatives changed several times and none of them matched what the manager, XXXX wrote in the letter XX/XX/XXXX.  Citi Bank did tell me that only two late fees were added to my account one of {$27.00}, one of  {$37.00}. However my regular monthly payment is {$68.00}. For the month of XX/XX/XXXX XX/XX/XXXX I was charged {$150.00}, and {$190.00} which is more than one late  fee each time. I did make payments during both those months and called the bank. When I did call the reps I talked to did not give me the accurate information regarding the late fee. XXXX claims she finds no records that is not my fault the reps did not note the record of the call. 
According to what XXXX wrote is not what I was told about the first late fee and when I spoke to the manager that time. My payment was not applied to the next month that was why she would not waive the late fee for XX/XX/XXXX. According to XXXX the fees were for XX/XX/XXXX XX/XX/XXXX. 
Both times I had called the bank when I made the payments. The first time I called I was locked out of my account online and was trying to get the system to fix it you have to wait 24 hours once locked. Yes I did not call right away, I was very busy in school and am a student. That is when XXXX XXXX says I got the first late fee. I did tell the rep that I was locked out of my account she said she would put the request. After both times I spoke to reps they said it would process in a couple of days. 
I know the second time I made an inquire in possibly XX/XX/XXXX I was lower on money. I made a second payment one month for {$20.00}. I had a direct conversation with the representative asking her what was the remaining amount I needed to pay to pay my balance as I was under the impression the late fee was being waived she told me {$20.00}. I did pay the amount needed to make the payment for XX/XX/XXXX in time according to the representative but the rep gave me the wrong amount otherwise {$5.00} is not that much more and would have paid that. 
The late fee with the min payment for the month should have been {$88.00} but I was charged way more than that since I paid over {$300.00} for two months of payments. I have made all regular payments and did make payments during those months.

Again if there is no record of the fee discussion or reversal it is not my issue that the rep did not record it as I discussed it with two different people and when I called. I had to pay the account to avoid getting more late fees.

Citibank says I was charged only two late fees, however the min payments for those two months were {$68.00}, x2, + the two fees would equal {$200.00} not over $ 300.Not only is there clearly a communication issue and the reps did not note the account however i also got billed a bit more and I feel that is unreasonable. Just because the reps did not note it does not mean that I did not discuss it. Maybe you need to ask the rep that I spoke to why they didn't? While you claim it is just two late fees that would be a full total in fees of {$64.00}.
Product: Checking or savings account

I was charged overdraft fees thinking I had the funds in my account but they delayed processing purchases which would later lead to overdraft fees
Product: Credit reporting or other personal consumer reports

. My credit report needs to be accurate and complete, so please follow these standards to ensure that you are meeting deadlines and maintaining accuracy. The information in my profile is wrong and it needs to be fixed immediately formally challenging you to review the data on file for me and ensure that it is accurate and up-to-date. I am citing the Fair Credit Reporting Act ( FCRA ) section 611 as well as Metro 2 compliance standards in doing so.

Below is a summary of the data in which I am challenging The payment history from creditor and then the payment history reporting from bureaus The last date active, date opened, last paid, closed or open status, dispute of reinvestigation and if the first investigation cover dispute request where is the verifiable proof that it was viewed to be sure it is 100 % accurate when I believe it is not and does not meet the FAir Credit Reporting Act section 611 and needs to be removed for failing to comply with federal and state laws. 

XXXX XXXX XXXX XXXX complete proof documented not explained I want it to ne Shown that this account was and has been reporting 100 % accurate and the payment history from the creditor is the correct payment history being reporting on my credit. 

If you can not provide that please remove all of this wrong information from my report please and thank you
Product: Vehicle loan or lease

First off, I finance my XXXX XXXX XXXX XXXX through Chase Bank, and not my normal bank, XXXX XXXX. I do not have an active credit or debit card through chase, however I do have a car loan account and that is all. All of my finances are banked through XXXX XXXX  where I actively have 5 accounts open through them. 

On XX/XX/XXXX, I believe, I logged onto my Chase bank app and scheduled my car payment to come out on XX/XX/XXXX, instead of the traditional XXXX of every month. With the XXXX being XXXX, I figured it was the responsible thing to do. Yesterday morning on the XXXX of XXXX, my payment for my car loan came out of my XXXX XXXX  checking account, {$390.00} as scheduled. This morning which is now XX/XX/XXXX, ANOTHER CHARGE for {$390.00} came out of my account, making it a double charge for my car payment. 

I caught onto this double charge and immediately started making phone calls! My first call was to Chase, in XXXX, CO off of XXXX XXXX, and they were very non-helpful and just directed me back to calling XXXX XXXX  ( where my accounts are located ) and left it at that! 

So after calling XXXX XXXX, those folks told me the right thing to do would be to call Chase back and speak to a manager about the situation. Although the XXXX XXXX  employee was very helpful and even said he could start the dispute but I wouldnt get my reimbursement funds in a reasonable timeframe he still thought that I would be better off taking up situation with Chase because technically it was their mistake in the first place. And even if it was a user error on the app, I should still be able to have access to my rightful funds when a transaction is disputed, right? 

So as of now, I talked to Chase once again in the Auto Loan department, and they have squared away the refund, BUT I wont have the funds available until XX/XX/XXXX? This is what angers me!!! I am currently on vacation ( we left this morning ) and now I am out basically {$400.00} that I can not use. The gentleman from their customer service department said that with the upcoming holiday XXXX XXXX XXXX  ) I wouldnt be able to access the refund funds until the XXXX of XXXX? 

WHY WHEN THEY ARE ACTIVELY STILL WORKING THE NEXT 2 days!!!! Why do I have to wait until the XXXX if they have employees working until the holiday?? I just want this squared away, and I would like my funds in the next day or so, so I can enjoy my vacation!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, and XXXX  are falsely reporting information on my credit report. I have inquiries on my credit report that was not authorized by me. I have not received any credit from these creditors with the listed dates. 
XXXX XXXX XXXX XXXX XXXX- XX/XX/2019 XX/XX/XXXXXXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX  XXXX- XX/XX/2019 XX/XX/2019
Product: Debt collection

I have received at least XXXX fake court documents citing Wage Garnishments that have been left at my door. I live in VA and this particular collection company is also located in Virginia - XXXX XXXX XXXX , XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA. The debt dates back to XX/XX/XXXX or earlier. I was taken to court and my wages were garnished for the amount I owed Capital One ( in XX/XX/XXXX ). Now I have a new company contacting me with fake Wage Garnishments. There 's no summons filed with the court and no court case in the court systems listing. They also have an incorrect address for my employer. I 'm sure I 'm not the only person they are contacting for time barred debt. The full amount I owed to Capital One has been paid - they still listing the full amount of the original debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove this personal information that XXXX to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove this personal information not later than 4 business days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Date Updated : XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts that do not belong to me. I have a perfect credit rating and these two accounts are now damaging my reputation and needs to be removed immediately. Note, I have not ever signed a contract with these two creditors listed, nor have I ever did business with them. Again, they need to be removed from my credit reports. My currently drivers license does have my correct address as well. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote the three credit bureaus, XXXX XXXX and TransUnion on DATE. I sent my disputes certified mail. None of this companies have responded in the past 30 days.
Product: Mortgage

Mortgage was the best option for my concern, but it involves after XXXX XXXX a mortgage. 
After XXXX XXXX a mortgage for my new home I have been bombarded with these notices in my XXXX  that appear to be from my lender but in fact are not. The marketing presentation these companies are using is deceptive and can be frightening because of the wording on the cover of the mailers or envelopes such as " Final Notice ''. These companies for Home Warranty , Mortgage Insurance and the like. I find these to be very harmful and create unnecessary stress for me as a homeowner and always sensitive to any information that comes stating my mortgage company name. This should be regulated more closely, or they need to be stopped from using the marketing tactics of scaring people into calling them. I have attached XXXX examples I received today among the many others received as well.
Product: Debt collection

I receive calls daily most weeke and most days other weeks from " MCM '' to my cell phone. They have also contacted relatives of mine out of state fishing for information. I have expressed that I do not want them calling my phone or relatives but it continues. The near daily calls never leave messages.