23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

loan XXXX Modification was approved We made 3 trial payments When permanent was done payments and interest rate too high There's nothing saying the lender can keep our trial payments since we do not agree with loan mod ( perm ) Lender has no rights to keep our funds Plus they qualified us under me and wife ; my name is only one on the loan
Product: Credit card

I received an offer to book a Carnival Cruise and receive XXXX rewards if I booked a cruise from XX/XX/2023 to XX/XX/2023. The credit card company states they did not see any purchase and is refusing to provide the promotion points.
Product: Checking or savings account

I am a chime member and I got on what was supposed to be a chime website and called the customer service number. When the person answered they represented themselves as a chime representative. They knew what to say and the security questions to ask. I was having trouble with my credit builder card and I told them this. They then had me move my money from my credit builder to my checking and started to give me what they called a confirmation code. As they read me the code it appeared automatically in my chime account. Then my money just disappeared. XXXX dollars gone. I instantly found the real chime number and they were very rude and even found the chime member who stole my money but said they can't return it. They told me I should ask sternly over a person to person transaction for my money back. After hours on the phone they said they will open an investigation. However after tons of research I now realize several people in several states are having this same problem with these fake chime websites being set up everyday. All I want is my money returned
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution 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 or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

SEVERAL YEARS AGO, A CREDIT CARD WAS GENERATED AT SYNCHRONY BANK, THRU QVC SHOPPING CHANEL, AND A PURCHASE WAS MADE USING THE CREDIT CARD. THE CHARGE WAS PAID IN FULL WHEN THE BILL ARRIVED. APPROX 9 MONTHS TO A YEAR LATER A BILL ARRIVED SHOWING A BALANCE, NOT FOR THE PURCHASE AMOUNT. WHEN IT WAS QUESTIONED, IT WAS LEARNED THAT THE BALANCE WAS CHARGES FOR LATE FEES AND PENALITIES, ALTHOUGH THE TOTAL BALANCE WAS PAID WHEN THE BILL ARRIVED. SUSPOSINGLY, THIS WAS DEALT WITH, THEN SEVERAL MONTHS LATER A COLLECTION AGENCY SENT A NOTICE OF A LARGER AMOUNT STILL OUTSTANDING. SYNCHRONY BANK WAS CONTACTED AND AGAIN, IT WAS SUPPOSINGLY CORRECTED.. AGAIN, LATER IN TIME ANOTHER COLLECTION AGENCY SENT A BILL. AGAIN SYNCHRONY WAS CONTACTED AND AN AGREEMENT WAS REACHED WITH THE UNDERSTANDING THIS EVENT WAS CLOSED.. ONCE AGAIN, RECEIVED A COLLECTION NOTICE AND THE COLLECTION AGENCY WAS NOTIFIED THE ITEM WAS CLOSED. TIME PASSED AND A DIFFERENT COLLECTION AGENCY SENT A COLLECTION NOTICE. WHAT STEPS CAN BE TAKEN TO CLEAR THIS ITEM AND FIND A RESOLUTION??
Product: Debt collection

I noticed a collection on my credit report from Enhanced Recovery Services in the amount of {$200.00}. I have disputed this charge many times with many companies and it has always been found to be illegitimate. It seems to just keep getting bounced from one collection to another when they realize it is not mine. I believe ERC tried to collect it in the past. I have a letter from XXXX XXXX  saying that the debt is illegitimate.
Product: Debt collection

The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from this company has no right to collect in my state. This company does not have a license, permit or permission to collect in my state via 58-70-1. Permit from Commissioner of Insurance ; penalty for violation ; exception.
Product: Bank account or service

I was charged for XXXX Return Deposit Item ( RDI ) fees of {$10.00} each totaling {$30.00} with Everbank ( acct # XXXX XXXX. I spoke with the bank in regards to the situation. They admitted it was their fault and I would be reimbursed for the {$30.00}. This did not occur ; the account was closed XX/XX/2016. I have attempted to call them several times and was told I would receive a call back from someone the next day after I had called. This never occurred after several calls made. If the RDI 's had truly been my error then I would gladly swallow the {$30.00} but they were not. The error occurred due to misinformation given to me by the financial institution.
Product: Debt collection

My husband and I lived in an apartment complex in XXXX from XX/XX/XXXX to XX/XX/XXXX and upon moving out, they sent us an incorrect bill. I called them and explained that we had paid the fee to have our apartment cleaned using their cleaning program and even took them a copy of my cancelled check. They still sent this inaccurate amount to a collection agency named Hunter Warfield. I called Hunter Warfield and even sent them a letter plus corroborating information and they refused to budge stating that the apartment complex said that it was a valid debt. When we applied for an apartment and were denied here in XXXX where we currently live, I learned that this was on my credit report. I contacted XXXX credit reporting agency and filed a dispute. On XX/XX/XXXX, I received a letter from XXXX stating that this collection was no longer on my file. Two years later ( now ), my husband got a free credit report and this collection account is on his account now, when it wasn't 2 years ago. I also found out that it was put back on my account after I was turned down for an apartment. I have contacted XXXX and they are telling me that this collection agency is able to put this information back on my credit report because they are members of the credit reporting agency. I was never notified by XXXX that this was put back on my credit report. I do not understand how a collection agency is allowed to report false information and the consumer has no right to keep it off of their credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When we heard that Equifax was hacked into we were told to go online and request protection. I did that. Now Equifax has gone into my account and it 's a hard inquiry. If I had known this would be a hard inquiry, because hard inquiry brings your score down, I would have never allowed them to enter my credit report. I think it 's unfair and consumers should have been told that what this means is that there will be a hard inquiry into to your accounts. I would have not allowed this to happen. By not stating communicating what this would do is misinforming consumers.
Product: Credit reporting or other personal consumer reports

I recentlychecked my credit report and noticed some inquiries i did not recognize. Can you please remove them off my credit report. They are the following. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

This company ( XXXX ) has disclosed personal loan information, dates, amounts, contact attempts and threatened garnishment if I do n't contact within 24 hours to a step parent of mine, with whom I do not, and have never lived with, live 30 minutes from and rarely see or contact. Per my stepparent, the request for the company to not call again has not been honored by Credit Central. I have contacted this company previously and told them no payment availability, I am working on filing chpt XXXX, and saving to obtain the attorney to do so. This company has harassed me at my place of employment on numerous occasions, after being asked to stop. This has finally as of this week stopped. The calls are several times a day, there has been visits to my home with letters left on my door handle. I have asked no contact and continue to receive this as well as some of the 8-10 references that were required continuously are harrassed after being asked to stop calling. They have accurate information for me, have spoken to me, I feel it is n't necessary for me to talk to them every day to say I am not paying. I work full time, a part time job and back in XXXX as well as a single mom, I can not afford to loose income due to this petty harassment as well as the fair debt collection practices being abused.
Product: Debt collection

Another party is trying to collect dept. The dept has been re-aged.
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX 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: Payday loan, title loan, personal loan, or advance loan

I took out a cash loan of {$100.00}, the app waited almost 2 months to pull the funds. They never attempted to pull the fund before then. They said they tried to pull funds from my bank and something was wrong with my account. I emailed back saying nothing is wrong with my acct. I didnt update anything then they magically pulled the money. Why did they wait so long. They have do not reply to emails at all. No phone number. I received no emails from XX/XX/24 until XX/XX/24. This feels like a scam and now they have my banking information.
Product: Credit reporting or other personal consumer reports

Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/year> Status Collection account. {$1.00}, XXXX past due as of XX/XX/year>. 
Status updated XX/XX/year> Balance {$1300.00} Balance updated XX/XX/year> Recent payment - Monthly payment - Original balance {$1300.00} Highest balance - Terms 1 Months On record until XX/XX/year> Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I am not receiving a credit score from Equifax. I am not sure why this is happening.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I wire transferred {$40000.00} from my business account to my personal account at Coinbase.com / XXXX. The funds never posted on my account. 

After 10 attempts to contact coinbase / XXXX through phone, email, and their support system I was send an email from coinbase that the wire was not accepted and the wire was going to be reversed during the next 7 business days. 

Today it is XX/XX/XXXX I have kept sending emails, calling, and leaving messages on their system. They have not replied one of my messages with a response about the refund of these funds. 

Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts immediately. 

US DEPT OF ED/XXXX/XXXX  XXXX {$7000.00} XXXX  XXXX  XXXX {$280.00} XXXX  XXXX {$100.00} XXXX/XXXX  XXXX {$420.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   account showed a late payment in  XXXX / XXXX . This information is inaccurate. Payment was not late. Balance was paid. And   XXXX   XXXX   credited all late fees. This item was incorrectly applied to my report and should be deleted immediately.
Product: Credit reporting, credit repair services, 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. 

XXXX, XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX  XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX, has violated my rights. 
XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX  XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX, 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I received a notice from XXXX XXXX that my account was closed sue to a payment that was " returned due to Customer Advises Not Authorized ''. The letter was dated XX/XX/XXXX. I have two homes and this mail was sent to my home that I was not back to until XX/XX/XXXX. Normally my mail is forwarded but this letter did not arrive at my alternate address. I had no idea the payment was declined and not authorized. While I was traveling in XX/XX/XXXX my Bank declined several charges on my account because of transactions that were out of my pattern of spending. I had no idea this payment had been declined. As soon as I got the notice I called XXXX to pay the full balance to avoid a bad report on my credit. On XX/XX/XXXX they accepted a phone payment of {$370.00} to pay the balance in full. This transaction is on my Bank Statement as being processed by XXXX XXXX XXXX on XX/XX/XXXX and they assured me it would not reflect negatively on my account. Subsequently I was contacted by XXXX XXXX XXXX. I explained the situation and they said I still had to pay them because the account had been turned over to them to handle. I order to settle the matter I paid XXXX the {$370.00} by phone on XX/XX/XXXX. That is reflected on my Bank statement on XX/XX/XXXX. As you can see I paid this balance TWICE! I thought the matter was settled until I recently applied for a credit card - the first time since this incident. I was turned down and got a copy of my credit report and discover that XXXX is reporting my account as " Charge off '' but the details show the {$370.00} was paid. In another area they report " Purchased by another lender ''. XXXX shows the account as paid and I have a letter from them stating that it would be reported as paid and closed. When I talk to the XXXX they refer me to XXXX. They have nothing in their records until I press the matter and ask for a supervisor - they they find the details and refer me to XXXX. When I talk to XXXX they refer me to XXXX. I have paid this account off twice and should not have it on my Credit report that it was charged off. I have made two disputes to this to no avail and have started another. I have supplied XXXX with all of the information. XXXX is NO HELP AT ALL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts that is UNKNOWN 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/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX*Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX*Balance : {$830.00} XXXX XXXXBalance : {$4600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 usc 1666b a creditor may treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Payday loan, title loan, or personal loan

I applied for a loan on XX/XX/XXXX and was approved for a personal line for credit from Marcus by Golden Sachs. I applied online and the process was going smoothly until the final step in the process when I received a technical error message on the website. I will attach the image of the message. 

I called the customer service number provided and went through the troubleshooting steps. They asked me to use a different browser, to clear my cache and cookies, and download the app. I did all of these things and was advised that a ticket would be put in to try to help my situation. They told me that I was approved, and I had seen an alert from my credit report that the loan was being reported. I was told to wait and keep trying the website. 

After multiple attempts, I called the customer service line again and was told that my problem was being escalated but did not see any progress or change. On XX/XX/XXXX I called in and asked to speak with a supervisor because I did not see any changes and was losing trust in the company handling my loans. A few of the calls would not be escalated and I was just told to wait. I was frustrated with the lack of answers and that it would take so long to escalate. On XX/XX/XXXX I was finally able to speak with a supervisor. There were still not any solutions - I asked for the paperwork to be emailed to me or what the process was if there were issues like I was having. I was told the only way to get the paperwork to me was by mail. I requested that I get the papers fedex to me but all of these request I was told no. I was told that the technical support could take 7-10 days. I was worried of there being not resolution so I asked for the paperwork to be mailed to me. She assured me it would be. 

On XX/XX/XXXX I received a letter in the mail and thought it was the paperwork but it was only a letter saying they needed my bank information to finish the loan. I called and tried to get the information to them but I will still be having the technical issue every time I logged in. The supervisor told me that from looking at the notes they were not able to send out the paperwork yet. This was not acceptable to me, nor was it communicated. I think it would have been important to let me know that there were still issues with the paperwork and getting my the loan. There seemed to be no urgency or direct communication with me about the status. 

I do not feel like I can trust XXXX but I feel stuck. I am worried about canceling the loan and having that impact on my credit. I am concerned about being declined by another company. I do not think it is right for a bank to hold a customer like this to their loan with no solutions on how to get the paperwork signed. It has impacted my credit and I need to build trust again with the company.
Product: Money transfer, virtual currency, or money service

This an update to complaint XXXX. 

The company has tried 3 more times after my very long conversation with them - an additional XXXX has been charged to my account, I am XXXX and can not afford to be out so much money. It is their responsibility to use cash in account first. 

XX/XX/2024 PAYPAL RETRY XXXX XXXX XXXX  ITEM RETURNED FEE {$30.00} Eff. Date : - {$30.00} - {$72.00} XX/XX/2024 PAYPAL RETRY XXXXXXXX XXXX XXXX ITEM RETURNED FEE {$30.00} Eff. Date : - {$30.00} - {$42.00}
Product: Checking or savings account

Last year, 2023, Citibank allowed a hacker to used my account in XXXX consecutive months : XXXX, XXXX and XXXX to pay their XXXXXXXX XXXX  via ACH transactions. The account has been dormant for a while and there was not much money in there. Citibank transferred money from the credit line XXXX times to the checking account to cover those payments. 
When I become aware, I called customer service and opened investigations. I submitted proof from XXXX XXXX  where I used to pay my XXXX bills and my XXXX account also is different from the XXXX account that the hacker used. 
I made XXXX trips to Citibank branches and spent over XXXX hours over the phone, opened over XXXX investigations with no result. Citibank has now returned the money taken from the credit line but continued to charge me interest every month for that money for no fault of my own. 
All I am seeking is for Citibank to wave the interest fees that is now over {$220.00} Also, my credit score was outstanding, Citibank tarnished my reputation by refusing to pay that debt. 
Please help!
Product: Credit reporting or other personal consumer reports

The authorized user account associated with XXXX was added again to my credit report without my permission and I need it deleted immediately.