23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX XXXX XXXX ( XXXX XXXX ) was calling me at my workplace at least twice a day. I sat up a payment plan since they threatened to garnish my wages. I paid {$170.00} for 3 months until I lost my job due to the company closing. I started a new job a month later and the first week on the job my brother unexpectedly passed away at the age of XXXX. My ex boss called to tell me he got a wage garnishment letter through mail. I called the collection agency and tried to set up payment plan. They wanted new payment to be {$190.00} per month which I really could not afford but they threatened me with garnishment again.XX/XX/XXXX, I signed the document and got thinking the next day, that this {$1300.00} debt was discharged in bankruptcy in XX/XX/XXXX. I called them back, sent them copy of bankruptcy, no more calls emails nothing. XX/XX/XXXX I called them back to find out what was going on, they now claim my wages will be garnished and I still need to make the {$190.00} payment. My husband is laid off and I do not make enough to pay this amount plus my car and house. She did not care and told me that is the way it is. No emails ever sent to me about the payment plan nothing. XXXX has screamed at me and belittled me and told me that I did not understand that my wages would be garnished regardless.
Product: Debt collection

Credit Management LP is attempting to collect on a debt for XXXX that I do not owe. There are no records on file for XXXX that any money is owed. A collection has been placed on my credit report which has affected my home buying process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over a month ago I called XXXX  customer service to settle my account. A payment was recieve and said that the status of my account will change. To this day my account is still closed and derogatory with the same balance. No action has been taken and they are still reporting wrong information. I asked that this account gets deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8100.00}
Product: Mortgage

I was informed that due to an error in communication with my insurance company that pennymac did not completely pay my insurance fee causing my insurance to be cancelled in XXXX of XXXX. I did not know this had happened until XXXX of XXXX. Because of this I had no insurance for a year. Now that I am seeking new insurance my insurance fees are extremely high ( XXXX dollars higher ) due to the lapse in coverage even though it was not my fault I didnt not have insurance. I paid every mortgage payment diligently and on time therefore my escrow should have been paid on time. Due to this increase in insurance my house payment is scheduled to go up XXXX dollars which I will not be able to afford and I have a major escrow shortage of XXXX dollars which pennymac will not explain to me or help me lessen as it is their fault. XXXX has not done anything to mediate this and refuses to help with the insurance cost and my escrow shortage.
Product: Checking or savings account

I opened a checking account with Regions bank in XXXX, TN on XX/XX/XXXX for my mother 's Medicaid Qualified Income Trust, as required by the state of Tennessee. I provided the legal documents establishing the trust, again, as required by the state. 

Late on the afternoon of XX/XX/XXXX I received a phone call from the Regions employee that processed my new account paperwork and was told that " we can't open this account per our legal department ... if we make an error and charge a monthly fee we could cause the customer to lose their Medicaid benefits. We don't want that risk. '' I asked for more clarification, and was told I could come into the bank to discuss it. 

I met with the branch manager on XX/XX/XXXX who told me exactly what I had been told the day prior. I expressed my concern that the trust documentation in Article IV Section F clearly authorized the bank to collect a service charge for the administration of the account. I also pointed out that I, as Trustee, was the liable party for any errors. The branch manager maintained that their position had not changed, they would not open the account, and that the bank had NOT been opening Medicaid Qualified Income Trusts since XXXX. I expressed my concern that this policy discriminated against people receiving public assistance and that I wished to speak to someone in the legal department who could explain the rationale for this policy to me. The branch manager offered to file a complaint on my behalf, and I agreed. 

On XX/XX/XXXX I had heard nothing from Regions about the complaint that was filed and called the branch manager to follow up. 

On XX/XX/XXXX I received a call from a customer service liaison from Regions corporate who relayed to me the exact information I was given on XX/XX/XXXX and XXXX. When I pressed for more information regarding 1 ) how Regions Corporate could deny to open an account that was required by the state of Tennessee, and 2 ) how Region 's policy was not discriminatory to people on public assistance. I was told that I could not speak to the legal department, but that contact would be made with legal again with a note for them to contact me. I was informed that Regions would not open the checking account for the Medicaid Qualified Income Trust. As of this writing ( XX/XX/XXXX ) I have heard nothing from Regions. 

Regions Bank 's reason for not opening this account was that the potential for error if they charged an account fee was a risk they were not willing to take. This is at best a flimsy excuse, mainly because other banks in this area not only DO open Medicaid Qualified Income Trust accounts but they ALSO charge account fees for them. My feeling is that this policy discriminates against people who are eligible for public assistance, a fragile and vulnerable set of people who quite frankly don't deserve this treatment. 

I have asked Regions repeatedly to explain to me how their policy is not discriminatory and to date NO ONE HAS PROVIDED AN EXPLANATION.
Product: Credit card or prepaid card

Hello, This is regarding cash app. They give boosts for purchases. I chose the boost to get 5 % at XXXX  for in-app purchase. I made a transaction at XXXX this morning ( XX/XX/2023 ) and I didnt get 5 % back as boost for transaction of XXXX XXXX I informed them and spoke to customer service, they didnt resolve issue and they they said I applied the boost after the purchase. Where I said i selected boost first and I am very sure. They didnt help so I canceled order. 

Now I made order again, made very sure boost was there and again same issue. They told same reason and boost applied later. 

Cash app cheating customers not giving the discount as advertised and making fraud. They have system issue and rather fixing it, telling customer made action incorrectly. 

Please look into this and report accordingly
Product: Credit reporting or other personal consumer reports

I have been the victim of the Equifax data breach, XXXX XXXX XXXX XXXX leasing data breach. My information has been compromised I have noticed some more accounts and inquiries on my credit report that someone has opened that i have not AUTHORIZED. I have submitted an FTC report and I have a police report that i had obtained when i first noticed the identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Am Filing this complaint because Equifax has ignored my request to provide me with the documents they have on file to verify the accounts I disputed under section 611 ( 5 ) ( a ) of FCRA thy are required to promptly delete all information I requested that can not be verifiedPlease resolve this manner as soon as possible Thank You
Product: Debt collection

On  XXXX   XXXX ,  XXXX ,  XXXX  Validation of Debt letters were s ent to Commonwealth Finance ( Amounts : {$1600.00}, {$150.00}, {$150.00} ) for a med ical bill that I did not recognize from the  XXXX ,  XXXX  and  XXXX  of  XXXX . I requested validation after speaking to them on  XXXX   XXXX  at  XXXX   XXXX  for  10 minutes, 15  seconds. During this call I requested validation of this debt due to not knowing anything about this debt. I simply requested a bill, itemized list or an invoice so I could verify if this debt belonged to me. I was told over the phone that they did not have any of that information, only a file from   XXXX   XXXX   XXXX  . This entire call was recorded by them and myself and notification was given that the call was being recorded by both parties. I asked for that file and they refused to acknowledge that it will be sent. They placed my account in dispute status and re-reported the  XXXX  debts to the credit bureaus. I also filed a dispute with I sent a " Failure To Validate '' letter on  XXXX   XXXX ,  XXXX  due to  Commonwealth Financial failure to send me pre viously requested validations of these debts. Another Validation of Debt letter was sent on  XXXX   XXXX ,  XXXX  regarding the other  XXXX  amounts. During this entire time,  Commonwealth Financial ha s still refused to send me any validation of these debts and according to  XXXX  is still claiming that these debts are mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
2. Identity Theft XXXX Account Number : XXXX This is not mine.

3. Identity Theft XXXX Account Number : XXXX This is not mine.

4. Identity Theft XXXX XXXX Account Number : XXXX  This is not mine.

5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX  This is not mine.

6. Identity Theft XXXX XXXX Account Number : XXXX  This is not mine.

7. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.

8. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit card

On or around XX/XX/XXXX  I received an adverse claim/ letter of denial from Chase bank denying me an extension of my credit which is a prohibited act constituting discrimination according to15 USC 1691 and 12 CFR 1002.7 a creditor shall not refuse to extend credit. And according to 15 USC 1611- Criminal liability for willful and knowing violation ( 1 ) Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 

And According to 12 CFR 1002.16 ( b ) ( 1 ) Any creditor that fails to comply with the requirements is liable for punitive damages up to {$10000.00} for individuals. 

I then proceeded and mailed a Notice of Federal Violations to the CFO and to the address on the face of the denial letter. 
Application Reference # XXXX See attached
Product: Credit reporting or other personal consumer reports

I went to log into my Transunion account to make sure my credit report was locked. When I tried to log-in it said my account was suspended because they could not verify some information. Ive used this account for 5 years with no problem. So I called them, got routed to mobile messaging, they told me to call back. I call back and get a rep, only to be disconnected with no return phone call. 

Horrible Horrible way to handle someone's financial information. Have no way to unlock my account and it needs to be done by friday due to a loan that is currently pending.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX hard pull I've had an account open back in XXXX I believe there's no reason for me to qet another hard pull for asking how to fix the account. So in XXXX instead of this company helping me they try to run my credit. I try to fix the account before hospitalized but wasn't successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, XXXX  add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, SYNCB add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I have fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by the Tornado that struck my place of employment ( XXXX ), which resulted in financial hardship and caused late payments. XXXX  : XXXX Please remove any late payments from my account due to natural disaster.
Product: Vehicle loan or lease

7 years ago XXXX  my husband and I got a vehicle and we separated but we both paid it off but the company name Autovest sold it to another third party and been harassed me made me Loss my job back then the company let me go then auto vest started garnishing me to my income taxes twice state and my saving checking and my 401 when my bank open up my account to them they took my federal to the beginning was XXXX now they say XXXX after taken my checks and savings and checking XXXX state XXXX each then federal tax XXXX they would tell the judge the interest and she believe them and allowed them to continue taken 100/ % of my money each year and every two weeks and I also paid them money orders that got caught in a house fire and burn after my mother XXXX from XXXX and leaving me my XXXX kids nothing to survive on no food nothing. Please help us
Product: Prepaid card

Ive tried to make multiple purchases online with different retailers that accept Amex. After having issues, I called customer service and they told me try another retailer. The card is active and should be accepted at any website that takes Amex The problem has not been resolved and Ive been unable to access any of the funds
Product: Money transfer, virtual currency, or money service

Yes I have a complaint against cash app because not only was my account hacked but when I reported it to them from a new account that they tell you to start when you call there phone number and when you XXXX how to get in touch with customer support agent. So I started new account with the cash tag XXXX XXXXXXXX and they were great and very helpful and after verifying my identity they got me my account back but my problem is when I went to make a report to dispute the transactions that were made while the hacker had access to my account. They sent me a message to verify my identity and said that they were putting my dispute on hold until the XXXX of XXXX but before I was given a chance to do anything they closed my account on the XXXX th of XXXX. And denied all of the dispute claims I made and there was only XXXX but they didn't even have a record of my account getting hacked or the conversation with there customer service agent that got me back into my account. You would think that it's something they would attach to the hacked account in case there's any issues in the account that need to be disputed. But apparently not because I was treated like a criminal and they have been very very rude and not listening when they are saying that I violated there terms and conditions when I didn't even have the account in my possession and I couldn't get logged in or anything. I'm going to submit screenshot of my entire conversation with the agent that was helpful in getting my account back for me. I just wished she would have attached the conversation to the account she logged me back into. That would have solved the whole issue because they wouldn't be treating me as a common criminal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I emailed and wrote several letters to XXXX XXXX XXXX XXXX XXXX regarding a late that they are reporting to the credit reporting agency. 
I ask that to proved or remove this late, pursuant to the FCRA. 
They refused to prove such late see attached response from XXXX XXXX Services
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 reporting consumer rights to privacy and confidentiality under 15usc 1681, accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, ma XXXX Accounts # XXXX Creditor reference number # XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Az XXXX Also XXXX XXXX accounts # XXXX Accounts # XXXX Accounts # XXXX 15 u.s.c 1681 section 602 15 u.s.c 1681 section 604 Reporting agency can not furnish an account without my written authorization consent.

Also any negative items report on all my 3 credit bureau must be '' Deleted '' and removed from my credit report. 
Sincerely; thanks I appreciate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX/XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CDPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my accounts 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 called significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

Hello, I tried to reached Navient to settle a pass due monthly payment, I make very regular payments with good records, but had an issue with setting up my auto payment and missed two payments. I  wanted to get the amount paid and so it wont effect my credit score. I google Navient Customer service and found Navient Student Loan XXXX. I thought I had reach Navient to settle my issue, and had giving my private information, SSN, Birthday, Credit Card Information. 

The teller was telling me about the loan forgiveness program where they would take my balance and transfer it from Navient to the Department of Education and would charge {$3000.00} for making the transition. I thought it was very fishy after reading it over the contract, and I refuse to agree to move forward. Then they transfers me to the manager and she was very pushy and really wants me to agree and move forward, she keep saying I can always Cancel after I agree to move forward, also very pushy. I did not agree, she was getting annoyed and hang up on me. I now realized that it was a huge scam. I am afraid for my sensitive information and a contract they have my information on, I am not sure how to protect myself at this point. 

The contract I still have and the name on there in small print is called " XXXX XXXX 'XXXX XXXX XXXX XXXX The website they directed me to was this and it also not real. 

Please advise
Product: Checking or savings account

There was a claim on XX/XX/XXXX of 2023 on the account from XXXX XXXX to XXXX XXXX that was before we opened our account. XXXX had cashed a check from XXXX account We opened our account XX/XX/XXXX of 2023. There was {$530.00} taken out of our account on XX/XX/2023 that had nothing to do with us. 
We made a claim on XX/XX/XXXX of 2023 to get our money back that should not have been taken. 
We have made several phone calls with Bank Of America trying to resolve this issue and nothing has been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : CAPITAL ONE XXXX Date opened XX/XX/2020 Balance : {$2100.00}