23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I deposited my check in person in the branch on yesterday the XXXX I was told that the funds will be available the next day when I deposited the check in person actually it was XXXX day to XXXX days is what I was told. I called into Customer Service later on yesterday afternoon, and the phone representative verified with the bank teller said being that the funds we made available overnight processing, I got an email at XXXX XXXX  that there was a hole that was gon na be there till the XXXX. Ill wait till this morning to call Customer Service had to speak with several representatives by the name he gave of XXXX and when I asked to speak to his supervisor because he was giving me false information of when my phones will be available and the day I deposited my check and he was giving me his opinion of banking policy procedure versus what the actual policy and procedure was I asked to speak to his supervisor he hung up and disconnected the call. The banker made call department and she relayed back to me that they were not going to allow me to get the {$500.00} out of the account like I was told on recorded line with the previous supervisor just spoke with. I called back and got a rude guy on the phone by the name of XXXX, who I informed I want to speak to a supervisor in the XXXX department right away and he had a XXXX  XXXX attitude with me and disconnected the XXXX call call back and I spoke to a supervisor and shes telling me different information from the other supervisor on all of these recorded lines shes telling me that the {$500.00} being released early is that the banks discretion and as I questioned her, why didnt the other supervisor on the recorded line? Tell me the same information that the funds will not be made available unless it was at the bank discretion I said both of the people I spoke to her supervisor within a XXXX to XXXX minute timeframe apart and theyre telling XXXX different things on this recorded line so I closed the extra saves accounts and checking accounts I have until the other XXXX accounts are made positive and clear so I can close them as well and the secured car and I wanted to make sure that the only reason that Im closing all of my accounts with Huntington Bank and will never do business with this bank again is because of XXXX  XXXX customer service on the phone. Ive never had a problem with a branch employee or anything like that. Theres some of the nicest employees you have in your branch especially on XXXX XXXX both of the XXXX XXXX, the bank, and the XXXX inside of XXXX very polite, very helpful very professional, but these foreign rude XXXX people that you have on the phone is unacceptable as well as XXXX supervisors on recording lines telling me XXXX different things within XXXX minutes like you guys are a XXXX up institution I can not wait to my XXXX like I really hate. I even gave you guys a chance to have access to my funds.
Product: Credit reporting or other personal consumer reports

Trans Union 's accuracy of my child support account is off. I've made almost all payments on time of the course of my account history. I have been on time for all of XXXX. I was only late for the months of XXXX through XXXX of XXXX when i lost my job. Child support takes {$130.00} every week from my check. I've talked to child support and they say it's on Trans Union 's end. I've disputed this multiple times now with Trans Union and they haven't fixed it.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$100.00}
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. ( 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: Student loan

I had filed a complaint. Mohela responded saying that the public records had been corrected and my loans were forgiven so I closed the compliant but when I checked the databases my loans did. It show XXXX as the said they did. They are also trying to deny paying back all the months thats Ive been in forbearance as they stoped counting in XXXX and told me it would take too long to re certify and apply but there has been no break in employment this whole time for me and they know it. I have XXXX payments and they want to only count XXXX
Product: Credit card

XXXX ) I opened a XXXX card with American Express in XX/XX/XXXX. The card is advertised as enabling the accumulation of Membership Reward points, which can be transferred to several AmEx airline and hotel partners. 
XXXX ) In XX/XX/XXXX, I attempted to transfer my Membership Reward points to the XXXX XXXX XXXX XXXX ( XXXX henceforth ) rewards program, an AmEx partner, via the AmEx website which provides this functionality. 
XXXX ) The website requests that I provide my account number with XXXX, which I did. However, the transfer failed with a non-descriptive error message that indicated that they could not verify a match between my AmEx account and my XXXX account. 
XXXX ) I called customer service around XX/XX/XXXX to attempt to make the transfer via phone. The agent indicated that the problem is that AmEx system can not fit my full legal name, which has XXXX characters in total. Their system seems to only be able to support around XXXX characters. 
XXXX ) XXXX 's system does support my full legal and requires an exact match for the points to be transferred. The agent went so far as to indicate whether I could change my name with XXXX so the match could go through. I can not comply with that request, as it would effectively mean changing my correct full name with XXXX to something incorrect, which could create complications when purchasing tickets and boarding flights. 
XXXX ) The AmEx agent admitted that the problem is their system but did not provide any recourse. As a result, simply due to the fact that my name is " too long '', I am unable to take advantage from the benefits advertised to me when acquiring this card and have been misled. The points I have collected with AmEx should amount to thousands of dollars. I kindly request your support in advocating for my rights as a consumer and that AmEx provides a resolution that enables me to receive the full value of the benefits contracted when I acquired their credit card.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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
Product: Credit card or prepaid card

Capital one issued a credit card to me with a credit line of {$300.00}. I have made frequent, timely payments of the entire balance owed each month. This is necessary because the credit limit is so ridiculously low that using the card actually hurts my credit. One trip to the grocery store and a tank of gas puts my balance over 50 % of my available credit, lowering my credit score. 

I requested a credit increase last XXXX and was rejected using outdated information from an XXXX  report from XXXX, instead of my score at the time of the request. I was told I would need to apply for a new card because capitol one would not do a hard inquiry of my credit report otherwise. I applied for a new card and was issued an identical card with the same credit limit of {$300.00}, instead of increasing the limit on the 1st card. 

On the XX/XX/XXXX and XX/XX/XXXX, my card was declined for a {$4.00} cup of coffee and a {$2.00} charge, even though my card had a XXXX balance and a {$7.00} reward credit. 

My last payment of the entire balance was made on XX/XX/XXXX and posted to my capital one account XX/XX/XXXX. When I called to see why I was unable to use my card for 15 days/half of the month after capital one posted my payment to my card, I was told by the customer service rep and her supervisor that a 26 day hold had been placed on my card. They refused to say why I was unable to use my card for all but 4 days of the month, and was told my card member agreement and state & federal law creditors to place a hold on accounts indefinitely. There is no regulated, specified time limit for verifying that a payment has been received. None of my payments have been returned. I have made numerous payments a month, of the entire balance owed, for aproximately 1 year. 

It is completely unreasonable to believe that it takes 26 days to verify receipt of an ACH payment. Had the specific number of days a hold might be placed been listed in the card member agreement, I never would have agreed. 

The supervisor I spoke to stated she can not override this setting and I'll have access to the card sometime in XXXX! I believe they are engaging in fraudulent practices by receiving payment, posting the received payment in my account history, yet restricting access to the card stating they are not sure if the payment has been received. This {$300.00} account is clearly not a high risk account for capital one and this practice are harmful to consumers. 

The acct shows that I have XXXX available credit, XXXX balance due and {$7.00} reward credit.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collection which was listed on my Experian credit report in early XX/XX/XXXX. The dispute was with an agency that was collecting on behalf of XXXX XXXX for unreturned phones. 

I had returned the phones to a XXXX corporate store ( # XXXX XXXX, Florida ) in XX/XX/XXXX and kept the receipt from the return. This satisfied my contact with XXXX per th terms. 

I contacted both XXXX and their Collector when contacted in XX/XX/XXXX about the outstanding balance to make them aware that he phones were returned and provided the receipt details. XXXX and the collector said that the phones had not been received in their warehouse. I informed them that this was not my responsibility as I had returned the phones and had a receipt from their company acknowledging receipt. 

When the credit agency reported me to Experian, I filed a dispute. In the dispute I provided the summary included above as well as a copy of the receipt confirming the returned phones. 

I received the dispute results from experience today and they have upheld the outstanding balance and left it on my credit report. I added comment to my file and re-submitted my dispute and copy of the receipt proving return of the phones. I find is outrageous and criminal that Experian has ignored the proof of return and continues to damage my credit rating.
Product: Credit reporting or other personal consumer reports

Dear CFPB Equifax New FCRA violation associated with Medical Creditor name was changed to Unknown Name All FCRA violations are being reported on separate complaints because Equifax is failing to confidently read the complaints.

Equifax is knowingly and intentionally changing the creditors name right before they are supposed to do an investigation so that they can later claim they failed to do the investigation because they couldnt find the account.

As mentioned in a previous complaint, Equifax changed the name of the Medical Loan account of XXXX XXXX to XXXX. They then claimed that their failure to investigate was due to the name change that they created. Similarly the XXXX XXXX  XXXX  account was changed to XXXX XXXX XXXX by Equifax disputes department as was determined by a Equifax agent. Today the Medical Loan XXXX XXXX XXXX account was changed to XXXX XXXX. 
This creates massive confusion in the disputes process, and none of these name changes were authorized Equifax didnt not notify me of the changes required by 15 USC 1681 The name changes of the creditors were deceitful and create inaccuracies violating 15 USC 1681 ) ( 1 ) Their behavior undermines the public trust a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Because of the failure to notify me of the change and the deceitful way that Equifax continues to change creditors name to a fake name, I am demanding that the medical debt that should have already been removed from the account be removed immediately. It is currently under the name o
f XXXX  but was previously under the name of XXXX It should also be known that no more investigations are disputes are to be done on my account without my permission and without personally calling me on my home phone XXXX. The investigations were requested on XX/XX/XXXX and in XX/XX/XXXX however, the time for disputing and investigating has passed and the four charge ups on my account should have been deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have tried to contact XXXX/XXXX / equifax on updating my credit report and contact the dispute center with success, they disconnect after being on hold for 20 minutes addtionally i mailed them the complaint with NO response
Product: Debt collection

I did not give the original creditor permission to share any of my information with this company, I also do not owe this company any money. I have sent letters also called for this company to remove this debt from my credit which is causing me not to be able to buy a house, this company is harassing me for a payment I do not owe them.
Product: Credit card or prepaid card

i applied for and was preapproved for {$500.00} on XX/XX/18. after verifying my identify by way facial recognition, providing my state issued drivers license and my bank statement for address verification, i was APPROVED and UNDERWRITTEN for {$500.00} credit limit. One week later, I received the card in the mail but never actually looked at it to verify any of the information. I activated my card and was able to use it one time for a transaction under {$35.00}. I checked the card and noticed it has my former last name, XXXX. I sent an email to XXXX to request my information be updated. Then randomly today, XX/XX/2018, I received an email stating my account has been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted 4 separate disputes to this company. One of my issues on my credit report were multiple unknown inquiries. Instead of this company addressing my concerns, they were flat out ignored. This is a direct violation of my consumer rights under the FCRA which gives me the right to dispute all information on my credit file, for the bureaus to respond, and lastly, have my credit file reporting ACCURATELY. 

Dates of my letters are as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a relationship with credit monitoring companies : 1- XXXX XXXX 2-XXXX XXXX Several times over the last few months, I received notifications from both companies, alerting me, that Freedom Mortgage had made " hard inquiries '' into my credit file. 
This has been without my consent. 
I contacted the company numerous with attempts to question why, and I had not completed a application the times the inquiries were made ( XXXX, XXXX, XXXX, XXXX-twice ) In XXXX I connected with a person who identified his self as XXXX, a manager in Client Services, who spoke with me on a recorded. 
XXXX confirmed the problem was real, and it had been happening to others. 
I asked XXXX where did you get my information from? He stated, XXXX sold them my social security number, but they should not of made the hard inquiry without my authorization or an completed application on file. 

XXXX, said the problem would be escalated, and the inquiries removed immediately, but I would hear back in 24 hours from the sales Manager, this never happened. 
although XXXX provided his phone number, he never ever took any further calls from me, as I attempted to reach him afer " not '' hearing from the infamous Sales Manager with no name. 
After checking back with the credit bureaus suddenly the inquiries disappeared frm XXXX, to only reappear on XX/XX/XXXX. 
After many attempts I was able to reach someone that identified themself as a sales Manager named XXXX XXXX, Who said he too would look into. 
He also provided an email address, and ask for proof which was sent to his email. 
I have not heard back from Mr. XXXX either this was a week ago. 

My Husband has experienced the same.
Product: Student loan

We have been making payments to performant agency since XXXX. We were told to make a payment plan and pay for 4 months in a row and then we would be released. We had to start over at least 3 times with the payment plan for various reason and also the IRS has taken XXXX income tax returns XXXX and XXXX which is not reflected in the balance. I want to know my correct balance including
Product: Mortgage

My father 's home was in a reverse mortgage status with Reverse Mortgage Servicing Dept when there was damage done to his home ( water pipes froze last winter ). Insurance covered the loss, but the funds for repairs were held by Reverse Mort Serv until the work was completed. Work completed more than 2 months ago, and inspections were made and approved by Reverse Mortgaging inspectors, AND the home was sold in XXXX. Since then, I have been trying to retrieve over {$18000.00} in funds owed, but the reverse mortgage company tells me they have tried to mail the checks to my address, but they keep coming back " undeliverable. '' I have lived at the address for 20 years. This has apparently happened 5 times. I have never received a courtesy call when this happens, the only way I find out is by phoning them several times a week. They tell me that they can not wire the money or send it any other way, unless I send them a prepaid envelope. Last week I sent them a prepaid XXXX label and they still have not sent the money. I have had to pay vendors for the home repairs out of my own pocket. I am just looking to rectify this issue that has been going on for several months and retrieve what is owed to me. Thank you, XXXX XXXX
Product: Mortgage

My husband and I obtained a FHA loan and purchased a home in XXXX XXXX XX/XX/2019. He told me to get out 4 days after closing. He moved his girlfriend in the home and tore the home up then moved to a more expensive owner finance home and put our home on Forbearance XXXX XXXX, under the CAREs Act, without my consent or knowledge through Mr Cooper. We had agreed to sell the home but he took it off the market when he received forbearance. Mr Cooper continued to extend the forbearance in spite of me asking them not too. We now owe {$16000.00} on top of the original loan. The husband and his girlfriend who has portrayed herself as me with Mr Cooper, and authorized herself to make decisions regarding this loan, requested a loan modification without my consent. I refuse to sign those papers because the forbearance was given without my consent and has now put us further in debt and facing foreclosure. I feel my husband did this to harm my good credit rating and make it impossible to borrow any money because I owe for this house. They want to keep the house but refuse to refinance in His name and pay me as agreed in XXXX. Mr Cooper explained to me they have told my husband that if he will get me to Quitclaim my interest in the home to him, that they can go around me and only require his signature to modify the loan, but I will still be held on the note as co borrower. So they are trying to force me into agreeing to owe more money than the original loan because of the forbearance they gave to him, claiming hardship, which isnt the case. He pays double fir his new home and was able to get out of payments on our home. My good credit is now suffering for a home I was never allowed to live in once he got me to sign the original note because his credit is bad. I am XXXX, have had to rent a place to live in XXXX he makes {$100000.00} per year and wasnt actually having a financial hardship, it was only to afford a more expensive loan. Ive asked Mr Cooper to look into the deceptive request for forbearance snd they determined he lived in the home, however, his mailing address on their contact info, has been to the new home he owns now. I believe he rented our home out while it was in Forbearance in order to pay for his new home. The loan is in the names XXXX XXXX and XXXX XXXX. I am XXXX.