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

I am filling 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 inconveniences and financial losses, and I seek appropriate redress for these violations.
Product: Mortgage

On XX/XX/XXXX, I closed on my XXXX XXXX. At the time XXXX 's XXXX was my mortgage company. A month later I was advised by XXXX 's XXXX that my loan was sold to Essex Mortgage. My original mortgage payments was {$3900.00} But when my mortgage was sold to Essex Mortgage, they my payment by {$100.00}. When I contacted them, they advised me that they were not taking enough out for my escrow. At this time I contacted the XXXX XXXX XXXX, because I felt I was being taken advantage of. I advised Essex Mortgage that I was tax exempt because I am a XXXX percent XXXX veteran. They told me to send them paperwork confirming it, and would adjust my payment. I sent the paperwork, but to no avail. 
So XX/XX/XXXX, I contacted Essex Mortgage and asked them why did my payment got up another {$200.00}. They told me that something changed. I advised them that my insurance did not go up and I am tax exempt. The supervisor XXXX told me to send proof and they would make an adjustment. 
Since XXXX of XXXX, Essex Mortgage has been steadily trying to find ways to increase my payment without any justification. 
I would greatly appreciated any assistance in investigating this matter.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX XXXX Balance : {$59000.00} XXXX XXXX XXXX XXXX Balance : {$38000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$150.00XXXX XXXX XXXX XXXX XXXX : {$38000.00XXXX XXXX XXXX XXXX XXXX : {$24000.00}
Product: Debt collection

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX XXXX. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Student loan

According to my records, I made the payment on XX/XX/year>, and my account should reflect a current status with no missed payments. However, I noticed that a " missed payment '' entry has been recorded on my account.
Product: Checking or savings account

Having an awful experience with Wells Fargo Support, i filed a fraud claim against XXXX  on 3 transactions totaling {$900.00}. my claim was denied and im at a loss for words here, the XXXX  account isnt even my name, it literally says " XXXX XXXX '' and i reported the transactions as soon as i realized them. i dont know what else to do but file A CFPB report. Their fraud department isnt doing me any justice so i have no choice. i should be covered by Regulation E for these types of things. 

The claim number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In detail, Chexsystems is reporting that I have a XXXX XXXXXXXX amount with XXXX XXXXXXXX XXXX  XXXX on or around [ XX/XX/2019 ]. I am disputing this report because I believe it to be inaccurate, false, and fraudulent 15 USC 1681. I am requesting evidence of this unresolved outstanding negative report from [ Chexsystems ].
Product: Checking or savings account

cant add any of my chime cards the the wallet on my XXXX i keep getting the error message when i try to link my chime debit card wallet Card Not Added contact your card issuer for more information and i contacted chime customer service about this and i still cant add my card apple wallet and also contacted XXXX About this issue and they could not fix this problem. and chime does not know how to fix this problem
Product: Credit card or prepaid card

I offer to pay my bill twice and I wasn't accepted each time. XX/XX/XXXX was the first go-around for either XXXX or XXXX one of the two, once I saw the payment didn't go through I got nervous so I paid the min balance to make sure that I keep up with the perfect payment history. The 2nd time I tried to pay was on XX/XX/XXXX for XXXX dollars and my payment wasn't accepted again. I gave handwritten instructions on what I wanted the company to do with my bill. I also gave notice to the company of the time of illegal activity that I finally notice that was taking place. Then I also sent a conditional acceptance letter that was an ignored completely
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

I am continuously receiving phone calls throughout the day from a company by the alleged name of National Credit Adjusters. They continue to leave some sort of robotic like message stating that they are attempting to collect on a debt. Sounded very suspicious in nature. The recording sounded foreign like, with broken XXXX.
Product: Credit reporting or other personal consumer reports

I recently pulled a copy of my credit report and noticed that someone has been trying to apply for lines of credit under my name. I don't have any affiliation or knowledge of these creditors being placed on my profile. I attended a XXXX in XXXX and my purse was stolen that included my driver 's license and social security cards. I've monitored my report since the incident and now I'm noticing credit inquiries. I contacted Experian, XXXX, and XXXX via phone explained my information was taken and being used. Reporting inquiries to my accounts without my written consent or permission is in violation of 15 USC 1681. Further reporting anything to my report due to identity theft is also violating my consumer rights, specifically 15 USC 1681 c-2. 
The creditors listed are : XXXXXXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX These hard inquiries are impacting my credit negatively
Product: Debt collection

XXXXLVNV FUNDING XXXX XXXX XXXX XXXX, SC XXXX Subject : COLLECTION/LATE PAYMENT RE : Partial Account Number : XXXX. 

To whom it may concern, I am aware that the FCRA allows for creditors and debt collectors to report to the Consumer Reporting Agencies however these reports have to be compliant and accurate at all times. My concern with the above mentioned account is this. It is reported on my consumer report that this alleged debt is in collections. However, based on the notice of late payment required to be given to a consumer by the FCRA, I did not receive a late notice within five ( 5 ) business days nor was notified that XXXX/LVNV FUNDING will be putting a negative remark on my consumer report. 

Also, based on the Fair Credit Billing Act, XXXX/LVNV FUNDING failed to provide me an up to date balance during the month ( s ) that this alleged debt was reported as late so how am I able to make sure the balance was not modified or misrepresented during that time causing a calculated error and in turn, caused the account to be late? How do I know that surcharges were not billed by mistake and that you were accurate while reporting? Can you please provide me with these details. 

Again, according to the FCRA, all creditors and debt collectors MUST be compliant and accurate when reporting and I feel that XXXX/LVNV FUNDING failed in doing so.This account is inaccurate and XXXX/LVNV FUNDING had an obligation to the FCRA to tell me if I was going to be late and that you were going to post a negative remark on my consumer report. With you reporting this account on my consumer report, it is considered an illegal report and in connection with the XXXX, RESURGENT/XXXX XXXX is in violation of certain codes equating to {$1000.00} per violation. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Injury to person Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] This account is inaccurate and I am demanding that it be removed from my consumer report. 

SEND CORRESPONDENCE TO THE ADDRESS PROVIDED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TX XXXX Without ill-will or animosity, XXXX : XXXX XXXX Beneficiary Christian man, in XXXX XXXX XXXXXXXX XXXX With Prejudice
Product: Checking or savings account

On XX/XX/2023 at approximately XXXXXXXX XXXX  there was an attempted to make a XXXX dollar withdraw from the XXXXXXXX XXXX ATM located at XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. The ATM displayed and error message and no cash or receipt were produced. The teller at the bank was informed and she stated that they do not service the ATM. On XX/XX/XXXX I noticed that the funds had been withdrawn from my account. I contacted USAA, with whom I bank and informed them of discrepancy at which point they informed me that they would investigate the matter. On XX/XX/2023 USAA informed me that they had denied my claim. On XX/XX/2023 I deputed the denial, which was also declined on XX/XX/2023. On XX/XX/2023 I received the documentation I had requested that USAA had used to deny my claim. The dates showing the ATM balances were illegible. I have also requested multiple times that USAA request the video footage from XXXXXXXX XXXX  as there are multiple cameras that have clear views of the ATM in question, including a camera in the ATM itself. USAA has done nothing to help with this situation and are refusing to credit me my money back or do anything else, despite multiple requests.
Product: Money transfer, virtual currency, or money service

I was on XXXX to find a rent house. When I submitted a request for a property showing it took me to XXXX where I filled out an application. The man named XXXX XXXX XXXX or XXXX XXXX, contacted me to take the home off the market and to do that I had to pay the security deposit. He said he will take XXXX payment in the amount of {$1500.00}. The email he provided for this deposit was XXXX and he sent me a leasing contracts with the state of Texas printed on the top of page to me from XXXX. he was supposed to meet me at XXXX XXXX XXXX XXXX XXXX Texas three times he never showed up. After two days the XXXX website sent me an email saying they took the property off the market and it might be fraudulent. It was too late by then, he already had all my sensitive information. SS DOB and address.
Product: Credit card

I received a email alert from Synchrony Bank notifying me of a closed account ( That was in good standing/current ), without good cause, ( ending in XXXX ). Payments have never been late, and just out of the blue they closed the account. The reason ( s ) they gave is ridiculous to say the least ( see attachments ). I received the letter via email XX/XX/year>. I was under the impression in America ( Under the fair credit use act ), that if payments were made on time every month the account was current. 

Also, Synchrony Bank has decreased other credit lines and, or closed other accounts of without good cause, all were current and paid on time as according to the terms of the credit. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes " accuracy '', " fairness '', and the p
rivacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

I am complaining about the accounts I have with synchrony Bank ... and I have/ had over XXXX ..... 

Credit card issuers can close account if : '' If '' you violated the terms of your card agreement in some fashion, that could also cause the issuer to shut down your account. Another cause could be that you havent used your credit card in a while. Card issuers would then not be making any money off you and would prefer to extend credit to someone else who makes them money. 

Issuers also tend to review your financial situation from time to time. They could look into your creditworthiness and decide whether to continue doing business with you. They could consider input such as the number of late payments on your account, if there are any liens against you, how many new credit accounts you have and if you have overextended yourself. If they find your financial situation has deteriorated since they first approved you for their card, they could decide to cancel it. I have not violated any term of my agreement with the card issuer, thus the account should not had been closed without good cause. MY Credit profile is the same today as it was when they " pre-approved '' me for the Sams Club Elite Master Card card over a year ago. I think it is a retaliatory action for filing online complaints about Synchrony Bank on XXXX XXXX, XXXX and other online business review venues about the poor quality of service... MY payment record with Synchrony Bank has been perfect through the years ... .OH well, just another bad review coming up... ..i Have included a copy of statement which shows account was current when closed " without good cause '' ...
Product: Student loan

I applied for a loan with SALLIEMAE on or about XX/XX/year>. Loan was APPROVED XX/XX/year>. Approval disclosure quoted terms I was not agreeable to at 10 % interest rate. I took NO FURTHER ACTION to take the loan. ALL SALLIE MAE info on WEBSITE AND CLEARLY STATED IN THEIR DISCLOSURE indicated I must ACCEPT this loan to move forward. 

XX/XX/year> SallieMae sent loan confirmation to the school. We notified both the school AND SallieMae that we were not taking the loan. XX/XX/year> SallieMae sent a disbursement to the school. We have spent hours of our time getting the money sent back. I spoke to SallieMae XX/XX/year> at about XXXXXXXX XXXX  XXXX and was told : " there is a 72 hour window to decline the loan '' and " upon signing the loan application you are clearly agreeing to accept the loan regardless of terms not having been disclosed '' and further told I was given " clear disclosure of this agreement prior to disclosure of terms AND of the need to cancel the loan within 72 hours if I do not want the loan '' 1- There is no law I can find which makes it legal for a lending institution to do this.

2- I know of no other lending situation in which I do not have to take definitive action to ACCEPT A LOAN but instead the lender is allowed an OPT OUT ONLY action to decline the loan.

3- The final loan disclosure CLEARLY states I must take action to ACCEPT THIS LOAN by XX/XX/year> 4- All additional information on-line adheres to this presentation that a loan acceptance step is required. 

I believe based on this limited amount of data one can CLEARLY and OBJECTIVELY state that these are deceptive practices which are far from standard lending practices.
Product: Payday loan, title loan, or personal loan

I located in XXXX, Texas. I have a installment loan with Atlas Credit in XXXX, Texas. On XX/XX/2019. A someone was sent to my job from Atlas Credit to ask me for a payment because I behind on my payments. Harrassing me as well.
Product: Debt collection

I canceled my XXXX account in XXXX 2014 and just yesterday received a letter from Convergent Outsourcing located in XXXX, WA, saying that I owe {$130.00}. I contacted XXXX and they told me that they do n't have any record of me owing any money and my account balance is $ XXXX..I spoke with XXXX XXXX over at Convergent and she was extremely rude like I was inconveniencing her for asking questions and told me that she 'd send it back to XXXX as a dispute and when I asked how i 'd be informed about what 's going to happen, she said that I just would n't get anything else in the mail about it.
Product: Debt collection

Professional Account Management mailed me two 'DEMAND FOR PAYMENT '' letters on XX/XX/2022 and XX/XX/2022. I do not believe this debt is accurate. I have and have had for over 1 year now a current XXXX  account which is current and when I brought this " DEMAND FOR PAYMENT '' letter that they sent me to the XXXX. XXXX customer service checked the information on the " DEMAND FOR PAYMENT '' letter and stated that I DO NOT OWE ANY MONIES ON THIS ACCOUNT NUMBER OR LICENSE PLATE.ALL FEES PAID VIA XXXX XXXX HAVE THE RECIEPT FROM XXXX TO PROVE IT. As I explained to PROFESSIONAL ACCOUNT MANAGEMENT in the certified letter # XXXX XXXX XXXX XXXX XXXX that I mailed to THEM on XX/XX/2022. Professional Account Management failed to respond with any of the requested supporting documents listed. An account number and unpaid charges of {$74.00} is NOT proof of validation of an alleged debt. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt and you never send it.Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are attempting to collect a debt that I do NOT OWE!
Product: Money transfers

Hi, An online transfer request of  XXXX  $ was made on   XXXX   XXXX   XXXX     through  RIA fro m  US  to  XXXX . The receipt showed that amount should be delivered by  XXXX  which did not happen. When called on  XXXX , customer support told recipient account was entered wrong and re initiated the transaction making changes.The new estimated delivery was said to be  one day w hich is on   XXXX / XXXX , this wa s on call with customer support, but new receipt showed   XXXX   XXXX   and they confirmed that receipts show differently to original delivery date. Amount was not deposited even on   XXXX   XXXX   but the online status showing as deposited. When called about this, they claim that the amount is deposited, but the recipient ban k manager confirmed th at amount is not still deposited. I have the online snapshots of recipient account showing no amount deposited and RIAs order tracking status along with time stamps. They tell something on call which is entirely different when checked online. This is really needed right away for my family as its causing lot of damage and extra penalty as we were unable to pay the loan at recipients account because of delay in this transfer. I can provide all the receipts and order status snapshots and also request to track the call recordings to get clear proof on how the customer service is falsifying the information to that of online . I hope CFPB w ould help to resolve this complaint as soon as possible and reply back with positive feedback.
Product: Debt collection

This is my second attempt to remove these accounts and inquiries from my report which is causing me defamation. I asked to have my inquiries removed the company responded that they would have to remain on my report for at least 2 years. I am now requesting for the company to prove to me that there is an open account tied to XXXX XXXX. I can express more about the laws from 15 USC 1681 Permissible purposes ( to get these cleared off ). 

Accounts : XXXX XXXXXXXX XXXX  for {$630.00} and also another for {$600.00}. 
XXXX XXXX XXXX  for {$6100.00}. XXXXXXXX XXXX {$700.00} I have explained that the debt has been sold over to a third-party debt collector which means it is now considered a certificate of indebtedness. Which goes along with the 1099c cancellation of a debt. certificate of indebtedness is income that must be removed.

I've also sent an opt-out notice, 16 CFR 313.7 form of opt-out notice. I am opting out of any authorization I may have given you written unwritten verbal or nonverbal. I would also like to highlight the importance of The Privacy Act of 1974!
Product: Credit card or prepaid card

I applied for a credit card through Wells Fargo at XXXX XXXX in XX/XX/XXXX to take advantage of a promotional payment offer. I was approved and made my payments on time until the balance was {$0.00}. My account was inactive from XXXX or XX/XX/XXXX until XX/XX/XXXX. 

In XX/XX/XXXX, I went to XXXX XXXX for a routine check of my credit. While on the app, I noticed the Wells Fargo store card was reported as closed by consumer. I was nervous as I thought I was a victim of identity theft, so I contacted Wells Fargo by phone to discuss the account closure issue. The phone rep explained that my account was closed by the bank for inactivity. While on the call, I retrieved the XXXX XXXX XXXX agreement ( revision XXXX ) and did not find any clause authorizing Wells Fargo to close the account for cardholder inactivity. I mentioned this to the rep ; she informed me she would escalate my issue to the Executive Department who would review my situation and notify me by mail of their decision. 

One week later, I received a letter from Wells Fargo saying they rejected my request to have the account reopened. I went to the Wells Fargo website to retrieve the credit card agreement and noticed that Wells Fargo made a new revision of their agreement ( revision XXXX ). 

This has negatively impacted my credit in that my credit utilization percentage was increased by this decision. Wells Fargo did not send any notices informing me the account would be closed due to inactivity. I believe Wells Fargo has violated the terms of their credit card agreement with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with lending club and have been paying on it regularly on time and I have had open since XX/XX/2016. I had automatic payments set up on this account since starting. In XXXX I received notice that my account was more than 90 days late. I made contact with Lending Club and they apologize for the error only to report me late AGAIN in the XXXX when my account is current, showing me 120 days late. I have spoken with multiple representatives who have all given me different answer to when this issue will be fixed and also were very rude and disrespectful. I will also be submitting a compliant with the XXXX.