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 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. 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: Debt collection

I paid the original creditor, XXXX, in FULL, receipt # XXXX in the amount of {$670.00}. Enhanced Recovery Company, located in XXXX, FL has refused to remove this from my credit report. I am in the middle of a mortgage that is about to expire. After repeated attempts to have them remove this, I keep getting the same answer, " will not delete. '' This has to come off my credit report through all XXXX bureaus, XXXX, XXXX and XXXX because they are reporting this inaccurately. They sent me an email yesterday stating they would report it to the credit bureaus as " Paid in Full. '' Unacceptable. XXXX recalled the debt and I paid them directly, NOT ERC. If they fail to remove this IMMEDIATELY and provide documentation that it will be done as it takes the credit bureaus weeks to remove, I will lose my {$170000.00} home. If they will not remove, I will escalate this to Federal court, and sue for pain, suffering and loss of my home over a {$670.00} PAID IN FULL bill through the original creditor. They do not own the account, XXXX DOES. Contract on my house expires in a week, I have already spent weeks working on this, and Enhanced recovery refuses to remove for a debt they do not own!
Product: Credit reporting or other personal consumer reports

I keep trying log in with the information that I think I know but what they have down isn't right so then I I have to call in ask me for my information its not right so then what do they the hang up on me and all I'm trying to do is get my three scores and I cant cause its so out dated have information on my report that's never been used by me I'm sick and tired of my information that is legally mine to use and I cant even get a place to live I have to live in the streets
Product: Credit card

Subject : Complaint Against American Express On XX/XX/year>, a cash rewards credit balance of {$9.00} due me was issued to my American Express Business Cash account. On XX/XX/year>, without prior warning or notification, American Express refunded this credit balance to themselves. 
I called American Express on XX/XX/year>, to inquire about this. I was informed by a customer service representative that if an account is inactive for 60 days, American Express takes back any credit balances. ( Note, this refund was done after 105 days of inactivity on XX/XX/XXXX ). I asked where this policy/practice was documented. He said it was a part of my card member agreement. Upon reviewing the agreement we both noticed it only made reference to a rewards balance being forfeited at the time an account is closed. We both continued to search for the answer to my question. In the interim, the representative offered to send me a check for the amount of the balance while subsequently stating it is the card members responsibility to request a check. I suggested that he not spend any more time on searching for the policy, and that I would continue to search for answers independently. 
Eventually what I found in the The Reward Dollars Summary subsection of the Cardmember Agreement : If a credit to your Card Account places your eligible purchases in a negative status, the Reward Dollars Summary on your billing statement will show a negative balance. It will continue to show a negative balance until you accumulate eligible purchases exceeding the negative eligible purchases. 
Also, in the Credit Balances subsection ( Page XXXX ) of my statements : A credit balance ( designated CR ) shown on this statement represents money owed to you. If within the six-month period following the date of the first statement indicating the credit balance you do not request a refund or charge enough to use up the credit balance, we will send you a check for the credit balance within 30 days if the amount is {$1.00} or more. 
While logged into my account online, I found no way to inquire further about this practice, no email address for customer support, and no option to attach a document with my findings to the 'dispute ' the customer representative opened on my behalf. 
This practice of reclaiming credit balances without clear communication or documentation is unacceptable and caused unnecessary inconvenience and research only to find confusing and conflicting statements as to how credit balances are handled. I believe it violates consumer protection laws and regulations designed to ensure fair and transparent treatment of customers. I ask that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that American Express rectifies these issues and adheres to fair business practices, as well as to their own practices. Please find attached copies of relevant documentation, including billing statements. 
Thank you for your attention to this matter.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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: Student loan

I am writing to file a formal complaint regarding MOHELA 's repeated and harassing phone calls to both my personal phone and my parents ' phone regarding my student loan payment. Today alone, MOHELA called my phone at least XXXX ( XXXX ) times within a span of XXXX hours, which I consider excessive and unacceptable. 

This level of contact constitutes harassment and is both disruptive and distressing. Please be aware that I have already scheduled my past due payment through my online account, confirming my intent to fulfill my financial obligation. These calls, therefore, are not only unnecessary but also appear to violate my rights as a consumer under fair debt collection practices. Furthermore, I previously contacted MOHELA and requested that these repeated calls cease, yet my request has been ignored.
Product: Checking or savings account

I paid a security deposit of {$500.00} to XXXX XXXX  XXXX  on XX/XX/24. They didn't rent me the car and sent the deposit back on XX/XX/24. It was posted to my account but the funds were not released into my account as of XX/XX/24. I have called the bank numerous times and they said it takes XXXX business days. It has officially been XXXX business days now and I still have not received my money.
Product: Debt collection

I was called on XX/XX/22 at XXXX am, the company was XXXX XXXX XXXX via XXXX, I asked to call them back as I was at work. I was provided XXXX to call back. Mind you, I have never heard of or from this company prior to today. What's more is they called me using a fake/unreachable number rather than their public/main contact number. 

Upon calling I verified basic info ( name/address ) they advised that they purchased a debt and were attempting to collect on that debt. I asked that they send written correspondence within 5 days, and that I deny and dispute the alleged debt. The rep would not tell me how much the debt was for, only that it was for XXXX XXXX. 

The phone rep would not give an employee ID ( stating that she does not have one ) nor any identifying info. She then stated that I can not just dispute the debt, that I am required to give her the exact reason why and that this was not an argument. 

I again asked for a debt validation/verification letter, to which she stated that she did not have to and that this means they would have to contact the original creditor as they bought the debt from someone who was not the original creditor ( not my problem ) and may not have all the information needed. She then placed me on hold and disconnected the call.
Product: Student loan

I have been dealing with FedLoan Servicing on two issues : 1. There are several payments that I have made that qualify towards my 120 Public Service Repayment Plan, but FedLoan Servicing complicates the process with inaccurate information and slow processing. I have been fighting this for roughly two years and each time I contact a customer service representative or supervisor, I get the wrong information, or they say they will take care of it, but they don't. I have diligent notes, with dates and employee names, do you want that entire list? They use the response " Yes, the payments all qualify towards your PSLF, but it looks like your account is being reviewed ''. And they I ask how long it will take for the payments to be released and put into my history and they answer " We aren't sure how long the review will take ''. 

2. I have been on a REPAY Income-driven repayment plan for XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX, Fedloan contacted me telling me it was time to recertify and that all the supporting documentation, income tax return information from XX/XX/XXXX and my application, needed to be turned in by XX/XX/XXXX. 

I turned in my application and my XX/XX/XXXX tax return transcript before the required date. Since then, they have contacted me stating that I do not have the proper information, even though the information I turned in was listed on their website. Next they said that I don't qualify for the REPAY, even though I have been on it for the past year, with the same income and household information. 

I have been dealing with this issue since XX/XX/XXXX and have dealt with the same issues, slow processing and every customer service rep giving me different or inaccurate information. 

When they finally sent me my payment information, they used my XX/XX/XXXX income information to calculate my new payment instead of my XX/XX/XXXX income information. 
I have been asking for them to recalculate my payment using my XX/XX/XXXX tax return information, but they keep sending me automated responses that my application is being processed and that they will send me more information once processing is done. 

I was told not to make this new payment because the amount is inaccurate, so I keep waiting. Right now my payment is 25 days past due because they are taking a long time to recalculate it and they are sending me emails saying that they are going to report me to collections. I believe that they are sending me in circles to deter my payment process and stall me from getting to my 120 payments. 

I have so much documentation that I could include but I am not sure how much you want me to send in this initial correspondence. 

Anything that you can do to help is greatly appreciated. Since Fedloan is a governmental agency, they know that a consumer has absolutely no control in the situation and I either have to spend thousands of dollars to prove that I am following the criteria of my payment plan, or be shuffled around for years and never get anywhere. Meanwhile the government is making thousands of dollars in interest on my loans which have tripled since I borrowed them.
Product: Debt collection

On XX/XX/2021, I visited the website belonging to NCBI Management Services Incorporated, a debt collection service, in hopes that I could create a user account, view my account balance, and plan a course forward. 

I was able to successfully register with their portal and view my account balance, which at the time was {$3800.00}. When I clicked on payment plans so see their suggested payment schedule, a banner appeared toward the top of the window, saying that I have " offers available '' and suggesting I use their payment wizard. I clicked and was taken to my offers. 

The only offer presented to me was a SETTLEMENT payment of {$760.00}. They gave me numerous time-frames in which to pay the {$760.00} ( a little up front with weekly payments thereafter, steady bi-weekly payments, etc ), but in every case the bottom line was the same - pay {$760.00} and the account would be settled and the collection closed. 

I thought the offer was reasonable and wanting to make some progress on financial matters before the XXXX XXXX, I decided to pay the {$760.00} in a lump sum as offered by their wizard on the " my offers '' section. 

I added my bank account, read the terms, which stated clearly that this was a settlement offer and that it wouldn't show as fully paid on my credit report, and checked the box to accept. I checked the box that acknowledged that any " savings '' I made in the difference between the " original balance '' and the " settlement '' amount were taxable and would be reported to the IRS. I accepted all that and paid the amount in full, thus settling the account and closing the collection. 

The problem I now face came about when NCB didn't report my SETTLEMENT payment as a settlement payment, but rather as just payment against the total original balance. My online account now shows I owe over {$3000.00} instead of the original {$3800.00}, when it should, per our agreement and THEIR terms, be reflected as settled. 

Thank you.
Product: Mortgage

Original HELOC with XXXX since XXXX, Filed Bankruptcy XX/XX/XXXX, XXXX " charged-off '' loan XXXX/XXXX/XXXX adding charge-off fees, added " unexplained interest ' ( $ XXXX ) held loan through the duration of the Bankruptcy applied all payments to principal - ( Internal decision, given charge-off, as per BK Specialist ). XXXX XXXX sold/transferred loan to SLS ( Specialized Loan Servicing ) who confirmed balance, XXXX % going forward, statements confirmed balance, XXXX %. Wrote XXXX/SLS ( certified return receipt from both ) XXXX, XXXX, regarding explanation of unexplained fees, interest, etc., XXXX has not responded, received call from BK Specialist saying they no longer held the loan, could not/would not answer any questions, reconfirming balance and 0 % " going forward ''. SLS acknowledged our written concerns and would contact within 30 days ... never did. As of XXXX, XXXX SLS has reversed Trustee payments ( $ XXXX+ ) to interest, showing " past due '' as of XX/XX/XXXX with $ XXXX+ due immediately. Not one agent is able to explain why, evading, will look into it, will escalate etc., We not only do not have answers to our initial concerns, we now have unexplained ( $ XXXX+ ) past due amount that SLS agents can not explain. 
Numerous calls have all been futile, have filed complaint with Dept. Insurance and Financial Services, 1st request went unanswered, 2nd answered, can not comment on past servicers ' transactions. States account is past due XXXX XXXX, cites Trustee as to how payments were applied. 
Have spoken to BK Attorney - Loan should not have been Charged-off, fees, interest, etc,, with an active BK - could be re-opened by Judge. 
Spoke to Trustee, Trustee pays the claims submitted, does not designate how a claim is paid. 
SLS will not answer our concerns, on countless repeated demands, phone calls, complaints. Has frivolously reversed Trustee payments applied to principal as stated on previous statements, now appear as interest, on statements, cites past due as of XX/XX/XXXX, we were in an active CHXXXX Bankruptcy, ( XX/XX/XXXX-XX/XX/XXXX ) which they acknowledge. 
Complaints are not adequately answered, as per Dept. Insurance and Financial Services
Product: Checking or savings account

I opened a savings account with Marcus-Goldman Sachs around three weeks ago. I added my son 's account for recurring debit to my account. A week later I tried to sign in and system said it's locked and I should call a number. After calling and spending 30 minutes, they told me that I can not transfer money from any account that is not under my name!!!! And I was like, so why the system accepted it and didn't warn me?!!!! I already added that account to some of my bill payments and now I had to change it. After talking to the supervisor, it seemed I do not have any choice, so they told me that they deleted my son 's account from system. 
10 days later, XXXX in the morning my son called and told me that they withdraw the money from his account!!! and since he has a payments for that day, I should pay him otherwise there will be returned check fees. 
Although I called Marcus and tried to fix it, my complaint is that their system should have warn me that I can't use that kind of account at the first place. Then, when I called and they forced me to delete the account, it should have stopped any recurring debit related to it. It is against privacy of customers too, since they are holding on to an Information that was deleted and using it to transfer the money. I keep the right to sue the bank and this complaint does not prevent me from doing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 XXXXXXXX Balanced {$0.00} XXXX XXXX XXXX XXXX Balanced {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid several accounts in full. One was XXXX in which was an installment loan and the account being paid in full naturally the would close the account. Transunion shows it closed but because of it negatively impacted my credit score and dropped it over XXXX points when my credit score should have went up because of good faith payment. Same with XXXX and XXXX. This goes against fair credit reporting act and should not impact my credit score negatively but it does. I tried to have them fix it and they flatly refused.
Product: Checking or savings account

This is a second related filing to XXXX, in which I listed XXXX XXXX XXXX as the involved bank. 

This complaint is about TD Bank 's role in the same matter, and the requests I have of TD Bank. 

1. On Monday, XX/XX/2019, I received a check from XXXX XXXX XXXX in the amount of XXXX dollars, representing a refund check for student financial aid due unto me. The check was drawn on TD Bank. 2. I deposited the check to my personal checking account at XXXX XXXX XXXX, using the mobile app. 3. The app stated that there would be a standard hold, and that the funds would be available the following morning. 4. Looking later online, there was contradictory information stating that the hold would be until Wednesday, XX/XX/XXXX, at XXXX XXXX. - yesterday. 5. The funds were made available at around XXXX XXXX. 6. I paid several bills at that time, and scheduled several additional bill payments to post to the account. 7. At around XXXX XXXX. yesterday, I became aware that the funds had been debited off of my account, leaving my account with a negative balance of apx. seven hundred dollars. 8. I called XXXX. The agent, and a supervisor ( XXXX - ID # XXXX ), stated the funds were being returned, but that the reason why would not be available until the following morning, and that I could call at XXXX XXXX. 9. I called at XXXX XXXX. but the line for agents was not open. 10. At XXXX XXXX., I spoke with XXXX ( ID XXXX ) and a supervisor ( XXXX ) who stated that a " stop payment '' had been placed on the check by TD Bank on behalf of XXXX XXXX XXXX. 11. I then called a TD Bank branch, XXXX XXXX, Vermont, branch, and spoke with XXXX. XXXX stated that there was no stop payment for that check or for that amount. 12. It is troubling that XXXX says there was a stop payment, but TD Bank says there wasn't a stop payment. 13. I left an urgent voicemail for XXXX XXXX at XXXX XXXX XXXX corporate office, but have not received a reply as of this time. 14. XXXX XXXX XXXX sent me replacement funds via wire transfer at around XXXX XXXX. today. 15. XXXX XXXX, TD Bank branch manager,  called me later in the afternoon. She said she could not provide any information about the check, including whether it had even been rejected by TD Bank or whether there was a stop payment. 16. Consumers who receive bad checks, or allegedly bad checks, should have some rights to find out what is really going on. I should not be told contradictory things by two different banks and then the second bank refuses to talk about it. I should have some rights to information, and there should be a process to provide consumers with that information.