23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

******NOT A DUPLICATE******** AMERICAN EXPRESS HAS RETAINED MY NEGOTIABLE INSTRUMENT ( SOCIAL SECURITY # ) American Express made an offer for an extension of credit in exchange for a note ( 12 CFR 360.6 ). I accepted this offer and returned the note. I paid for the goods and service via the note, and became an investor in their company. offer and acceptance. They have accepted my note, then claimed I did not qualify, Although this is a clear violation of 12 CFR 1002.6 ( a ) I informed them that the information used to determine this was inaccurate, and that we already have a contract. I informed them that this is a violation of the equal credit opportunity act, and that their own prospectus states they can not guarantee the accuracy of their credit worthiness determinations. I made an investment in American Express and they have taken my securities without providing the goods that I paid for. This is Securities Fraud. They have sent responses that appear to be automated and in no way have acknowledged my claim. I am a victim of American Express deceptive practices. By telling the SEC they are treating their investors one way, but the whole time clearly mistreating their investors. American Express clearly told the SEC in their Prospectus on page S-5 " We do not intend to apply for listing of the notes on any securities exchange or for quotation through any automated dealer quotation system ' I Applied for American Express card XX/XX/XXXX. I was denied and their response states they can not continue our processing your application due to your freeze on your credit report. 
The detail of my application for credit is discriminatory and violates my privacy 15 U.S. Code 1691 - Scope of prohibition * U.S. Code * Notes ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction VIOLATED 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ) MOST RECENTLY AMENDED XXXX XXXX, XXXX Regulation B protects applicants from discrimination in any aspect of a credit transaction. VIOLATED The Privacy Act The FOIA/Privacy Act Division, in the Office of the Assistant Secretary for Public Affairs ( ASPA ), is the focal point for HHS Privacy Act administration, including the HHS System of Records Notices ( SORNs ) and Computer Matching Agreements ( CMAs ). The Privacy Act of 1974, as amended to present, including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. An individual has rights under the Privacy Act to seek access to and request correction ( if applicable ) or an accounting of disclosures of any such records maintained about him or her.
Product: Credit reporting, credit repair services, or other personal consumer reports

Conns submitted my account due to non payment to a collections agency XXXX XXXX XXXX XXXX which we came to an agreement to settle in full with {$360.00} paid in XX/XX/2019 and still has not been removed from credit report. I have called Conns and they tell me account has been sold to collections agency and that they have not received anything from collections agency were I paid I called the collections agency and they say they sent Conns a XXXX balance letter 10 days after I made payment and that since payment was received they have closed account and nothing to be done in their end. 

I even submitted XXXX balance letter from collections agency to Conns and up till today no one has contacted me. 

I am getting the runaround with the collection agency as well as Conns and I have taken care of this account almost 4 months ago. 

Please help I am trying to do the closing in my house and this is the only thing stopping me from
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, remediation and research associate within the Wells Fargo has failed to conduct an investigation to complaint. IN fact his response states he " reviewed the documentation submitted and the decision of XXXX remains unchanged. '' Now, what wa sincluded in the documentation submitted was a copy of the MPN ( p. XXXX and p. XXXX ) clearly stating that I am not required to make payments durig periods of forbearances and deferments. The XXXX XXXX response that XXXX XXXX references clearly acknowledges the periods of deferment and forbearance spanning from XX/XX/XXXX thru XX/XX/XXXX. 

Here is what XXXX has now done in-total : Breach of contractural agreement and violation of my right of notice 1 ) Not required to make payments during deferments AND/OR forbearances ( see p. XXXX ) 2 ) Statements were to be sent during periods of forbearance and deferment ( a ) XXXX XXXX. they did not provide billing statements for XX/XX/XXXX nor XX/XX/XXXX because the account ( XXXX ) were specifically deferred ( see p. XXXX ) ( b ) Per XXXX XXXX was to provide statements when payments were deferred ( see p. XXXX ) ( c ) Screenshot of XXXX XXXX corroborates statement given referenced in 2 ( a ) clearly indicating statements were NOT generated for XX/XX/XXXX, XX/XX/XXXX ( see p. XXXX ) ( d ) Screenshot also indicates next statement generated was on XXXX XX/XX/XXXX with due-date inside of 21 days ack. as minimum in XXXX XX/XX/XXXX letter AUTHORED BY XXXX XXXX on XXXX XXXX Therefore, the history as reported by XXXX on XXXX and XXXX for periods ranging from XX/XX/XXXX thru present are invalid/unverifiable ; XXXX XXXX is fully aware of these issues as he has allegedly reviewed the documenation I've provided to-date. That is, XXXX XXXX is knowingly and willfully providing false statements to the CFPB to protect XXXX from any consequences of enforcement action that may arise out of the issues I have and continue to present to the CFPB. 

It is not without noting that a XXXX responded to my complaint to that office regarding the matter plainly stating The XXXXr is not allowed to get involved in the investigations of other government agencies. It is quite possible therefore that XXXX XXXX is intenionally being vague in his responses to the CFPB knowing full-well that XXXX is under investigation. It would be far easier for XXXX to do the correct thing, rather than the interim thing of XXXX. 

At the end of the day, XXXX will continue to supply this erroneous info to the XXXX, and provide false statements to the CFPB even when the documentation clearly refutes the assertions of XXXX. 

So, I will ask XXXX XXXX in this forum : since one of the loan groups has been charged off and allegedly sent to an outside collection agency ( according to the XXXX ), please provide me with the contact information, to include address, phone number, fax number, registered agent, and a copy of the credential that shows the colection agency handlig the CO accont is licensed to business in my state.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXXXXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXXXXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXXXXXX XXXX Account Number XXXX, XXXX XXXX  Account Number XXXX, XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX. XXXX XXXX XXXX Account Number XXXX, XXXX XXXXXXXX, DEPT OF EDXXXX, XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX, DEPT OF EDXXXX, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I have been a customer of Wells Fargo for 15 years. I originally had one checking account for my banking. When I started a small side business a Wells Fargo banker recommended that I create a second checking account to move money into for my business. At the time I accepted. I did not use the second checking account and completely forgot about it. What I did not realize is that {$10.00} a month is charged to accounts below a min balance. No one informed me these charges were taking place. After 16 months I finally noticed and closed the account, but {$160.00} in account fees had been charged. I attempted to first work with the bank to have this money returned seeing I didn't use the account at all. I then filled a complaint internally with wells fargo which did nothing. I am seeking to have {$160.00} returned to me.
Product: Credit card

On XX/XX/XXXX, I scheduled an online payment, with Synchrony Bank Rooms To Go, in the amount of {$100.00}, via automatic debit, to be processed with the XX/XX/XXXX. This was an error as the date should have been XX/XX/XXXX. Immediately realizing the error, I canceled that payment ( or so I thought ) and scheduled a new payment for XX/XX/XXXX. On XX/XX/XXXX, I received notice that my scheduled payment for {$100.00} on XX/XX/XXXX had posted to my account. The payment was also withdrawn from my checking account. As a result, I went online to cancel XX/XX/XXXX scheduled payment. Despite the " cancel payment '' option being available I received the message, " we are unable to cancel your payment at this time. Please try again later. '' so I called Synchrony Bank Rooms To Go customer service and requested that they cancel my XX/XX/XXXX payment. The representative stated that she can see the scheduled payment, but does not have access to cancel the payment. She stated that the only thing she could do was refund me the payment that was recently processed on XX/XX/XXXX. I initially agreed to the refund, but then she states that the refund will be sent in the form of a check by mail and could take 2 to 3 weeks. I advised that would not work. I asked why I couldn't cancel my payment online despite having the option available to me. She said I can't cancel a scheduled payment online. They can only issue refunds on payments that were already processed. She advised that I call my bank to cancel the scheduled payment.
Product: Credit reporting or other personal consumer reports

I did not authorize the creation of these accounts and suspect them to be potentially fraudulent. I kindly request that you thoroughly review them and promptly remove them from my credit report.
Product: Credit reporting or other personal consumer reports

I have had this account opened for nearly a year with a credit limit of XXXX XXXX The company has failed to report my credit limit with this account to the Credit bureaus. Credit limit has been marked N/A. Which in turns affects my overall creit utilization rate, therefore giving me a lower credit score. I have paid for this service for 11 months now with the sole purpose of having my credit line report its true limit of XXXX XXXX The company needs to update my credit limit with all 3 bureaus immediately. Or I want my money back for this line of service.
Product: Money transfer, virtual currency, or money service

I am writing this to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Mortgage

I have been a mortgage customer of Suntrust ( now Truist ) since XXXX of XXXX. When the pandemic hit, the company allowed borrowers to opt into a temporary forbearance. I opted into this program from XX/XX/XXXX until XX/XX/XXXX. I immediately started back paying my mortgage in XX/XX/XXXX after a 6-month forbearance. Since XX/XX/XXXX 's payment, my payments have not been applied to my mortgage account. They sent me a letter in XX/XX/XXXX dated XX/XX/XXXX about my mortgage adjustment. I sent back all the documents requested from me, and I was assured that my mortgage would reflect current within 30-60 days. It's nearly 4 months later, and my account is still not current. My payments are not being applied to my mortgage loan but are going into an " unapplied funds '' account. I have called Suntrust ( now Truist ) every other week for the past two months to get this corrected, and I'm continuously told that the message would be passed along. It is almost as if the employees don't even know what to say. It's very inconvenient, as it's not reflected on my credit report or online account that I'm making payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loans are all consolidated, therefore ; it should show one loan not 15 open accounts on my credit report.
Product: Checking or savings account

Capital One received my paycheck on Wednesday night, as verified by my employer. 
Friday afternoon, and my account still is XXXX after CApital one removed any and all funds to cover a bill that was valid. My direct deposit is still not there. The amount of my paycheck should be {$3500.00}. 

I called my employer who verified the deposit had left their account. Capital one will no longer take my calls, nor provide any info as to how much longer my delay will be.
Product: Debt collection

Received a letter from The Receivable Management Services Corporation ( " RMS '' ) for {$25.00} owed to XXXX XXXX XXXX ( my guess is for an electric bill ). However, all my utility bills are paid in full and I do not owe any balances. My electric bill has never been for only {$25.00}, so I doubt this is a legitimate bill. The letter is very vague and does not give any information about this " alleged bill. ''
Product: Mortgage

Sir/Ma'am, In XX/XX/XXXX 2013, we were living XXXX due to a military change of station. Due to dropping mortgage rates, we decided to refinance our house XXXX. We used a company called Residential MortgageXXXX. The company representative who helped us is named XXXX XXXX, Loan Originator License XXXX. The Title Company was XXXX and the Escrow Officer was XXXX XXXX. She is no longer with the company. The issue is that we did everything across email and conventional mail. We recently discovered that my wife 's name was removed from the Deed of Trust and that part of the XXXX page packet we signed included a Quit Claim Deed. Until one week ago, neither XXXX of us knew what a Quit Claim Deed was. This part of the packet was not explained to us. My sister-in-law, who is a mortgage broker, just explained it to us. When I called XXXX earlier this week to ask why we were asked to sign a Quit Claim Deed, she could not remember why. Because I am in the military XXXX ( 5 times in the last 9 years ), I am worried that a lender did not disclose to my wife and I that she was being taken off the Deed of Trust in a refinance. Thank you for your help. 
Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : CFPB Complaint ID XXXX XXXX XXXX XXXX XXXX XXXX I recently submitted a CFPB complaint detailing erroneous late payments being report which are violations of my consumer rights under 15 USC 1681 ( 2 ) ( a ) ( i ) and also section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report How can I be late on payments when there is a finance charge ( 15 USC 1605 ) that's payable to me? In addition to that my statements are proof of the credit ( s ) that are due to my estate ( owner ) of the account. FCRA SAYS THAT TRANSACTIONS AND EXPERIENCES ARE TO BE EXEMPT FROM REPORTING!!! This complaint should have never been closed without a satisfactory investigation using FCRA guidelines as a medium between the consumer and the person making the report! 

15 U.S. Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Debt collection

XXXX XXXX XXXX / Rep name : XXXX The above company called two family/friends ( that I know about ) trying to get a hold of a XXXX XXXX. That was my maiden name. However, I do not have any debt or student loan for that matter. I verified with them with my full name and last 4 of my social security number and address. I asked who else they called trying to get a hold of me and they refused to tell me. I should have EVERY right to know who they contacted trying to get a hold of me. This is outright embarrassing and not okay to have my family and friend call me telling me a debt collector was looking for me! I work very hard to keep my credit clean. This company did not do their due diligence on the person they were trying to reach. It was clearly not me. A simple search would have told them that. I want to report their practices and I want to know who else they called on my behalf since they refused to tell me. I consider this harassment. Especially since the person they were looking for was clearly not me!
Product: Debt collection

received a voicemail from XXXX from a XXXX XXXX stating I needed to contact him concerning an important matter and when I called the number in the voicemail ( XXXX ) a male with an accent answered stating he was with XXXX and XXXX and so I hung up and called XXXX and XXXX XXXX answered and then stated that I owed XXXX XXXX {$900.00} and it was filed in XXXX XXXX and it was from XXXX. I stated it was taken care of and offered my attorney and he asked what for and being at work I did not want to reveal my XXXX and he stated if it was for a bankruptcy ( which occurred in XXXX and was case XXXX in the state of Nebraska XXXX XXXX ) and that this was a civil matter and that a XXXX wouldn't take care of my debt and then i said it would and he stated that he would refer me to the district attorney and have me prosecuted with criminal charges and then he hung up on me. I called back and he became belligerent and stated this was a civil matter and not to quote the law to him and that he would have me prosecuted. I have contacted my attorney for the XXXX  and given them the information as well. As far as I know not paying a debt is not subject to a prison term so how dare he threaten me accordingly.
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 fir these violations.
Product: Checking or savings account

These are these are Types of fraud. Identity fraud and identity theft. Identity theft is when your personal details are stolen and identity fraud is when those details are used to commit fraud. A-Z of fraud. Online fraud. Individual fraud. Corporate fraud. Advance fee fraud. What is fraud and cyber crime?
Product: Credit reporting

My XXXX XXXX Credit Card was paid off XXXX 2014 in full and the history always paid as agreed and never late. Equifax is showing negative remarks on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never did any business with these companies yet they have unauthorized inquiries on my credit file. I've never signed a contract with these companies for anything. I did not authorize any inquiry on my credit file and Ive never given permission verbally or in writing to anyone to pass my information to any of these companies.
Product: Credit reporting, credit repair services, 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 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 rights 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: Mortgage

i pay my mortgage to sps select portfolio servicing. my payment is XXXX a month. because of the virus and visits to hospitals by paying co pays has hurt me. i did the forbearance plan for 3 months.starting XX/XX/XXXX my thought was those payments totaling XXXX would go to the end of loan. sps wants you to pay the XXXX plus XXXX for XXXX.alot of other mortgage companys are doing it right. all i can pay is the XXXX for XXXX. this could put me in forecloser. when trump put this program together he said alll payments would go to end of loan.otherwise i would have not done it. please help if you can! this may be price gouging!
Product: Money transfer, virtual currency, or money service

IM NEW TO PAYPAL, MY GIRLFRIEND SEBT ME SOME MONEY THROUGH XXXX XXXX  FOR THE LIGHT BILL AND I LINKED MY XXXX XXXX CARD BECAUSE I DONT HAVE A BANK CARD AND THEY SAID IT WAS PROBLEMS WITH THE CARD. I DONT UNDERSTAND WHY MY FUNDS WERE PUT ON HOLD AND THIS IS FRUSTRATING THAT I CANT PAY MY LIGHT BILL. PLEASE GET BACK TO ME
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