23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by a debt collection company to pay a debt that I knew nothing about. The debt was in my name as I believe a lease agreement but I did not live there. the date it was sent to collections on XX/XX/XXXX however I recently purchased a home on XX/XX/XXXX and before that I lived at my mothers home. I told the collections company this was not my debt which then they questioned the validity of my response multiple time which led me to hang up multiple times. It was not until I saw the collections on my credit report where I took action. I called them back to tell them it was not me debt which they then sent me an email ( after a very rude phone conversation ) on actions to prove its not my debt.
Product: Credit reporting or other personal consumer reports

under section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of that determination and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher accurate.
Product: Debt collection

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 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 and XXXX data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that this WAKEFIELD ( Original Creditor : XXXX XXXX XXXX XXXX ) with the account number XXXX was reporting to be negative on XXXX and XXXX XXXX I already have disputed the fraudulent information from my credit report but until now no changes were made. 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 have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Checking or savings account

I have tried repeatedly to close my husband 's accounts with Bank of America I have submitted paperwork from the court I have submitted their paperwork and still I have not received the funds from the checking and savings might I add has got no interest in over a year now even one penny. Not only is this outrageous it's unacceptable. I am asking them to close the account and send me my funds. This is the fourth time I've had to address this and Bank of America is more unreasonable than they were on day one. Their banking practices are horrendous. All I'm asking is for them to send me a check for the savings and checking and close the accounts per the court. There is no other excuse for the delay I want my money and I'm still waiting their last response was so ridiculous it's laughable. They need to explain why no interest has accrued it on either account for over a year because this to me seems like theft on their part.
Product: Mortgage

Due to Covid I had to use the mortgage forbearance program, for that I was quite thankful. Then when I finally got back to work I started paying the payments and I was informed that the forbearance amount would be set under a non-interest bearing account. When I asked how to make payments on this account to shrink the amount over time I was informed that this was not an option. So, I contacted XXXX XXXX, who holds the forbearance amount. They said that it was 100 % possible and now I am staring down the barrel of an over XXXX dollar balance that they want all at once. During the lock down I burnt through my savings and simply can not pay that, I think that it is wildly unfair that I am not able to pay this down and it appears that the total amount has been not only inflated ( The amount quoted was at XXXX of which I have documentation ) I need help, I have tried talking to the bank and continue to make my monthly payments. But, this is too much.
Product: Debt collection

XX/XX/2015 - Moved out of rental property in XXXX, GA completing required move out obligations with property management company XXXX XXXX XXXX. Move out inspection was scheduled after relocation date for my work and rendering me unable to attend. XXXX into XXXX I contacted the Rental Property Manager to inquire about the status of my security deposit return as I had not received it. The manager informed me that I would not be receiving the deposit and in addition I would be responsible for charges that I was until that point unaware of. Requesting documentation of these alleged charges I was hard pressed to recieve anything from the rental property as they had little to no records of my lease agreement the result of an acquisition. I still affirm that these charges were fabricated and illegitimate. Communication with the Property Management Company deteriorated as the Manager no longer responded to voicemail nor was available for conversation. XXXX of the following year debt collection attempts began immediately prompting my dispute letter to the company Fair Collections and Outsourcing, these attempts to dispute the information with them directly went unanswered. See attachment for reference regarding the events that there unfolded.
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 proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Banco Popular de Puerto Rico informed XXXX and other credit bureaus that my XX/XX/2018 mortgage loan ( account no. XXXX ) payment was 60 days late. That is incorrect. 

On XX/XX/2018, I made the payment for {$4500.00} and was provided confirmation number XXXX by the bank representative.
Product: Money transfer, virtual currency, or money service

Dear PayPal Customer Service Team, I am writing to appeal a permanent limitation that has been placed on my PayPal account ( email : XXXX ) recently. My objective for reaching out is to express my concern over this situation and kindly ask your team to re-investigate my case in light of the points I will raise in this email. 

Firstly, I strongly believe that the limitation on my account was enacted by mistake. Until now, I have been unable to discern any specific transactions or actions that would have prompted such a stringent action on my account. It would be highly appreciated if you could provide further clarification on what the precise reasons were behind this decision. 

Secondly, to the best of my knowledge and as per my understanding of the PayPal User Agreement and Acceptable Use Policy, I assert that I have not violated any PayPal policy. I have always used my account responsibly, ensuring that all transactions are legal, ethical, and within the boundaries of PayPal 's rules and regulations. It would be beneficial if the alleged policy violation could be outlined so I can better understand and rectify any misconceptions. 

Given the aforementioned points, I would like to kindly ask the PayPal team to re-investigate my case. I hope that upon further review, it will be apparent that my account has been in good standing and that the permanent limitation might have been unwarranted. 

The limitation on my PayPal account has caused significant inconvenience in my personal and professional life. I value the services that PayPal offers, and I have always regarded it as an indispensable tool for my online transactions. Therefore, I kindly request the restoration of my account, if possible. 

I understand that PayPal needs to safeguard its services and users from potential threats and I support such measures. I am willing to provide any further information or fulfill any requests that may assist in re-evaluating my case and ensuring that my account complies with PayPal 's policies. 

I am looking forward to your prompt response and appreciate your attention to this matter. 

Best regards, [ XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have several inquiries on my credit reports regarding applying for checking accounts and vehicle loans. Please advise me on what should I do
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX Balance : {$19000.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The information listed here is showing on my credit report but does not belong to me. I have filed a complaint with the FTC and contacted the creditors. I also sent the credit bureaus copies of my identification and social security card. These items must be removed immediately, otherwise the credit bureaus are supporting fraud! 

1 ) XXXX Opened XX/XX/2015 {$16000.00} ( Highest Amount ) 2 ) XXXX  XXXX Opened XX/XX/2015 {$500.00} 3 ) XXXX Opened XX/XX/2015 {$460.00} 4 ) XXXX XXXX Opened XX/XX/2015 {$1400.00}
Product: Bank account or service

BACKGROUND : Late on the evening of XX/XX/2017, I saw two payments pending in online banking of my XXXX checking account, both of which were NOT MINE. These pending payments totaled {$12000.00} : One to XXXX for {$7500.00} ; and one to Wells Fargo in the amount of {$5300.00}. I initially planned on going to my branch the next morning, but then in the wee hours of XX/XX/2017, decided to call XXXX XXXX number to alert them. After talking to various departments, the third department told me that the Claims Dept. was closed, and told me " you 'll have to call back tomorrow. '' When I called the next morning, the Claims Dept. told me the payments were already disbursed, and it was too late to stop them! I assumed XXXX would make good on these fraudulent payments, but their Claims Dept. rejected my claim, saying that my phone had been used to make the payments. My XXXX banker intervened for me, to no avail. So I complained to the Better Business Bureau. I was then contacted by XXXX from XXXX Executive Office, who told me he would investigate my claim. XXXX concluded that XXXX position of denying my claim was unchanged, but as a courtesy, they requested XXXX to reverse the online payment to them, which they did, and I recovered that {$7500.00} payment. XXXX said they were not given the option to reverse the payment to Wells Fargo for {$5300.00}, and suggested I pursue that matter on my own. So he provided me with the WELLS FARGO A/C NO. XXXX, so that I could pursue the {$5300.00} fraudulent payment that went into that account from my XXXX account. 
WELLS FARGO EVENTS : Wells Fargo has not helped me, and concluded that they have done all they 're going to do, and told me that I 'd have to pursue the matter with XXXX. A Wells Fargo representative named " XXXX '' ( who works with or under XXXX in their Executive Services Dept. did provide me with a Wells Fargo email address that only law enforcement ( i.e. the XXXX ( Fla. ) Police Dept. ) to correspond with. At any rate, I am still at a loss of {$5300.00}.
Product: Student loan

This is not a duplicate complaint. My previous comment complaint was closed but the company did not address my concern. This is a repeated issue with them where they seem to misunderstand the question and provide a response that isn't what I am asking about or needing them to fix.. they have done this repeatedly to me via their online portal and now here and at this point it seems like a tactic to not kick the can down the road and not resolve the issue.

My issue is that the actual discharge of my student loans under PSLF is extremely late. My XXXX payment period was XXXX XXXX XXXX my last ECF was sent in XXXX XXXX, my counts update on Mohela 's site in XXXX XXXX, and my loans STILL have not been discharged. Mohela 's said they have sent the stuff at least twice to Federal Student Aid. Can Mohela please address whatever the hold up is and discharge my loans and provide a timeline for that? This is impacting my financially in a variety of ways. 

To be very clear my question is NOT how many payments I have certified, whether I qualify for forgiveness, or whether they have sent that info on.
Product: Credit reporting or other personal consumer reports

( Accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThe following personal information is incorrect. The personal data reporting is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent disputes letters to Equifax, and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
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 and. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Fund Transfer Act ( EFTA ) Regulation E. These actions has caused significant inconvenience and financial loss I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my vehicle stolen and burned. I contracted XXXX XXXX XXXX about the situation and they told me that was fine and insurance would cover the issue. Insurance took care of the issue several months later, but they claim that I still owe {$1400.00} on the account from the months that were not paid. This has been over several years now. I documentation from them showing that the account is paid in full. Yet they refuse to change it on the credit bureau report and they say that I still owe them {$1400.00}. 

I have disputed this issues with all 3 credit bureaus ( XXXX, Equifax and XXXX XXXX ) and requested a validation and to receive the information from the validation. No information has ever been received from any of the three credit bureaus. Equifax list the amount owed as {$4200.00} ... 

XXXX XXXX XXXX and the 3 credit bureaus have ignored all request in regards to updating this information properly. 

See the enclosed attachments ....
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, NCA added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA, NCA has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submission, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FRCA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX ) against them for similar violations. I request that the CFPB take actions to ensure Equifax complies with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX   Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Bank account or service

My husband lost his bank card and didnt know it. Navy Federal sent my him a text in regards to a {$8.00} purchase and that was it. Once we were able to check our account there had been XXXX transactions conducted with his card and a pin number over the course of 3 days. This an account that my husband and I solely have for the purpose of us saving money. This is the only joint account we have and do n't use it on a daily basis at all. The XXXX transactions consisted of XXXX checks being written to my husband and deposited into our account. Of course it later came back that the checks were not legit. So at this time Navy Federal is saying that my husband and I are responsible for the estimated {$2000.00} overdrafts in our checking and savings account. Due to the fact that the transactions were done by a pin number they are basically saying that they have done their investigation and we are liable. The fact that checks were not signed by my husband, location of the transactions and the irregular amount of transactions conducted in such a short time frame was not taking under consideration. So almost every Navy Federal calls myself or my husband seeking payment for these fraudulent actives that has occurred to our bank account. I honestly believe that it maybe a Navy Federal employee who did this due to the fact that fake Navy Federal checks were used and that they had some way of getting my husbands pin number or even able to manipulate the system in to believe its my husbands pin. My husband did not write his pin number down or give it to anybody. He uses the same pin number for all of his accounts so there is no need to write it down which Navy Federal is assuming happened or that he gave it to someone. I his wife is the only other person who knows this pin number. So needless to say DO NOT TRUST NAVY FEDERAL WITH YOUR MONEY!!!! They have done absolutely nothing to help me resolve this issue but give me the run around and play games. I get new and different answers every time I call and they refuse to let me speak to a supervisor, investigator, or security personnel to help me understand how they came up with the conclusion in which they did.
Product: Mortgage

To Whom It May Concern : I purchased a home on XXXX XXXX, XXXX in XXXX XXXX County, MD for {$220000.00}. It was a predatory loan ( s ). On XXXX, XXXX the original loan ( s ) were purchased by XXXX XXXX & XXXX ( XXXX ) for $ XXXXXXXX7.25 % interest rate. XXXX gave me a modification ( 5.25 % interest rate ) ( charged me {$18000.00} for the modification ) and XXXX owners went to prison for fraud. The loan went into default as the modification was insufficient to address my financial hardship. XXXX XXXX now claims to have been the financier of the loan and is demanding full payment and is in the process of foreclosing. I practiced poverty law as a defense attorney until I had to retire in XXXX due to a XXXX. I want to keep my home. It is now valued at an estimated {$99000.00} or less. I believe I am the victim of fraud, predatory lending, unfair business practices, and XXXX only knows what else. I have a foreclosure sale date of XXXX XXXX. A previous foreclosure sale was dismissed by the courts. I do believe it had something to do with the documents being altered. I spoke with the county prosecutor 's office. They agreed that the signature of the notary was potentially fraudulent on the documents but was under a mandate to allow the courts to proceed with the foreclosures despite the lack of integrity of the documents. Thank you for taking the time to read this. Best regards.