23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unaware that I had any outstanding debt at all until in early XXXX, when I learned that I had a {$360.00} outstanding charge on a XXXX XXXX credit card I have had since college. I received zero emails, standard mailings or calls about this balance being overdue, until they sent me an email saying my account was closing for this reason. I called them immediately, paid off the balance in full over the phone that day, and asked them why I hadn't received a single communication about this balance being overdue. They said they had never updated my mailing address and I was on a " do not call '' list, so they were unable to get a hold of me. But they had my email address?! 

My perfect credit score of XXXX suddenly dropped to XXXX over this {$300.00} balance that I was unaware I even had. I asked XXXX Back ( for XXXX XXXX credit cards ) to send a letter to the credit bureaus saying this was an error in communication, but the only thing that has happened besides paying off the balance, the account being closed, is my credit report shows an unresolved dispute with this low credit score. 

Please help!
Product: Prepaid card

Bank of America owes me for 11 deposits XXXX made to my account that won't show in any of my statements. They claim the statements that show those deposits are archived and can only be retrieved by a supervisor. I've requested those statements 3 times and they have failed to send them. To me. They denied my claim for XXXX because they said it was part of another claim but my other claim were for transactions made from XX/XX/. Not from XX/XX/ or XX/XX/ which the 11 deposits from XXXX were made to my account. Those deposits were XXXX that I never received. Thst were not included in my first claim which was filed for XX/XX/ The months of XXXX and XXXX are the ones that show they owe me. Yet they refuse to let me see those two months of statements The supervisor who filed my claim said these two months statements were only accessible and viewable by a supervisor so how can they say they paid me if they couldn't even see those transactions only a supervisor had access to locate them. Not the claims specialist or any representative no body but a supervisor. They owe me for XX/XX/XXXXandXX/XX/XXXX 11 deposits totaling. {$12000.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of ITEMS below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told XXXX, XXXX, and Equifax to reinvestigate these iTEMS : XXXXXXXX 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 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 However, they stated that everything was completed and accurate. But how is that possible if the open date, date of last activity, and much more are incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify what isnt reporting correctly.

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.

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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

The federal law of 'right to refuse service ' has its limits, that may extend beyond civil rights. Likewise, as per the Consumer Review Fairness Act of 2017, it's illegal for a company to impose a penalty against someone who gives a review, which can even be about its customer service. ( Source : https :  //www.ftc.govXXXX ) I asserted my rights as a customer by tweeting against American Express ' poor customer service ( especially that of its overseas ' teams, which provide so poor quality service, that it seems they work on some sort of a contract for American Express , and aren't American Express employees ). Ever since I ( privately ) complained against a deceptive privacy & data security claim by providing audio of a call to the American Express Social Customer Care team ( XXXX handle : AskAmex ), it has been boycotting me by ignoring my XXXX & messages, and helping out everyone else who tweets to it. 

Until that point ( XX/XX/XXXX ), I had only posted a meme about their overseas customer care, and had posted screenshots of comments by one of AmericanExpress.com 's chat-based overseas customer service representative. I hadn't even been remotely rude towards the AskAmex team-members until then, and can prove it via my tweets, and XXXX messages exchanged with XXXX. I also hadn't used vulgar language, and had only provided my honest reviews, yet XXXX has been boycotting me since XX/XX/XXXX. 

XXXX is the best customer care team of American Express. 
I believe it's illegal for it to retaliate against me for posting honest reviews by refusing me service, even though it may disagree with my assessment or opinion of American Express ' overseas customer care teams.
Product: Credit reporting or other personal consumer reports

TransUnion : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request to Remove Old and Incorrect Information from Credit Report Dear TransUnion , I am writing to formally dispute outdated and inaccurate information that is currently listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate these items and remove any information that can not be verified as accurate or that has exceeded the allowable reporting timeframe. 

Disputed Accounts : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Issue : Outdated collection account ; reporting beyond allowable period and incorrect balance. Account has been removed from XXXX and XXXX as per creditor determination of account closed Issue : Incorrect status listed as open instead of closed. 

I am requesting that each disputed item be verified and corrected or removed as necessary. For items that can not be verified, please delete them from my report in accordance with the FCRA. 

Additionally, I would like to receive a new, updated copy of my credit report reflecting these corrections. Please respond to this dispute in writing within 30 days of receipt. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Prepaid card

On XXXX XXXX, 2015 after a purchase of {$8.00} at XXXX, I had a {$260.00} ending balance. The following morning, when I attempted to get gas on XXXX XXXX, 2015 ( It was not a funny XXXX Joke ), I discovered the account had a XXXX dollar balance. 
I immediately contacted Direct Express to no avail. I was told it was being researched and that the card was not FDIC covered ( which is untrue ). I was told they did not have to follow FDIC rules, nor did they have to respond in any certain time frame or replace my money to my card. 
This situation has been going on over 30 days now, with still no resolution. I have called multiple times a week since this incident happened, with no resolution in sight. 
I have called the FDIC and have filed a complaint. 
After this incident on XXXX/XXXX/15, my card was compromised on XX/XX/XXXX-XX/XX/2015 by someone in XXXX XXXX, who XXXX up over {$900.00} in XXXX charges. Direct Express/XXXX refunded my card {$400.00} and is reviewing the FRAUD ( 90 day process ). I filed an FBI report and Police report. I filed all necessary forms requested by Direct Express. 
However, the company refuses to address the {$260.00} that went missing PRIOR to the XXXX XXXX and XXXX, 2015 FRAUD happening. 
*** In the process I have received a closing notice for my electricity, due to the fact that the {$260.00} went missing from my account. This card belongs to a XXXX person, with no other means to support themselves. This matter needs immediate resolution! 

Note : My docs are to large to upload to this complaint.
Product: Credit card or prepaid card

Employee claiming to be XXXX with XXXX ID XXXX refused to put a supervisor on the phone. My rewards points were not applied accurately to my account. Also, my credit card was blocked and Synchrony Bank would not verify my account with me or unblock my account - I had made several restaurant purchases because I had XXXX AND this card is supposed to give me 3 % cash back on dining and 5 % on gas station purchases. The lady said that I have to wait for them to send a letter to verify my account or send a video of myself. Sending a video of myself is a privacy issue, especially since she can not provide assurance as to how a video would be stored or actually used.
Product: Checking or savings account

My high yield savings account was closed by American Express and I have {$15000.00} in the said account before it was closed till date I have no access to my money or account.
Product: Checking or savings account

On XX/XX/XXXX, I was supposed to to get early direct deposit by Capital One and it didnt happen. Its XX/XX/XXXX & still havent received my direct deposit. Capital One has sent out an email detailed about the problem as a power outage with a third Vendor. I continue calling Capital One customer and the wait time is around XXXX hours. I need answers. Whats going on?
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Incorrect personal information To Whom It May Concern : I recently reviewed my credit report and noticed you have incorrect personal information in my file. Please use the documents Ive provided to update my correct full name and address. Also, please remove any names that dont match my ID. Please remove any addresses that dont match my current and valid address.

I have included the following information : Copy of my photo ID Proof of current address Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumers file is inaccurate. 


Under the Fair Credit Reporting Act, you have 30 daysto resolve a dispute. If the item can not be verified by the creditor within the time frame, it MUST BE be removed from the report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

Was contacted in XX/XX/XXXX by XXXX  XXXX XXXX to take over my student loans from XXXX for a lower interest and loan forgiveness program. Made 4 payments of {$150.00} starting XX/XX/XXXX to XX/XX/XXXX. Total of {$600.00}. Was told the fee was for them to take over student loans and be my new borrower. Got several emails from navient asking about payments because they never officially took over the loans. Tried contacting them several times with no response. Started receiving paperwork from another company called XXXX  XXXX XXXX. Contacted them and they said XXXX  XXXX XXXX handed my student loans over to them in XX/XX/XXXX. XXXX  XXXX services advised me to file a dispute at my financial institution to try and get my {$600.00} back because I should not have been charged to begin with and advised me to contact the trade commission and turn in XXXX XXXX XXXX.
Product: Mortgage

After my FHA Loan was transferred from XXXX XXXX company to Loancare XXXX, none of my mortgage information was transferred over correctly. Loancare reported me 60days late to the credit bureaus and tried to foreclose on my home after speaking with XXXX XXXX in the collections department and providing her with proof of payment to XXXX XX/XX/XXXX and XX/XX/XXXX, which was within the 60 day legal period of the loan being transferred. I also sent a letter to Loancare from XXXX stating that my loan was transferred to Loancare as of XXXX XXXX, which is why I continued my payments to them for those two months. I was reassured that these funds would be collected from academy and with no penalty to me. I also asked for my escrow account to be fixed since it was still reflecting a dramatically lower payment than I was making at XXXX. Even still i continued to receive constant foreclosure letters and no change to my escrow account. After getting a lawyer to assist me in this process I then spoke with XXXX XXXX who assisted in getting my monthly payment corrected but would not assist me in my escrow shortage. He claimed everything was update and could no longer assist me. I then spoke to someone in customer service named XXXX XXXX who admitted my escrow account was short and would work to resolve the issue but, I have yet to hear back from her. She asked me to forward her all my emails with XXXX XXXX and I did. This issue has been ongoing since XXXX XXXX. I have lost sleep and been stressed out for months. I thought laws were put in place to prevent company 's from treating clients like this. The lack of response and care is completely discomforting and unprofessional. It would take me to call Loancare 5 times just to recover one person to assist me correctly. With all said and done my escrow account is still short in funds. XXXX sent me information stating they sent over {$2300.00} for my escrow account through XXXX 2016. Loancare reports only having {$1800.00}, as of today, remaining. This amount is incorrect because my monthly escrow payments are ) XXXX. My monthly PMI is {$100.00}. My yearly Hazard insurance is {$720.00}. So if you add {$260.00} for each month of XXXX, XXXX, and XXXX, then subtract the monthly {$100.00} for PMI and {$720.00} for hazard insurance, my escrow balance should be {$2000.00}. Where is the rest of my money???
Product: Debt collection

The address thats listed on all XXXX credit reports to include XXXX for National Credit Systems is incorrect, making it impossible to properly dispute an item ( which the statute of limitations XXXX  years, expires this month ). Its misleading and borderline fraudulent as myself or anyone who allegedly has an open account with XXXX National Credit systems cant properly dispute it. 

XXXX XXXX  XXXX XXXX, XXXX XXXX Is not a valid address and or National Credit Systems refused to acknowledge two recent attempts to verify this debt.
Product: Debt collection

I recieved notification from a bankruptcy/fair debt collection agency ( consumer protection ) that I was being sued in civil court. I have not recieved ANY notification of any debt that I had. I also haven't recieved a phone call of said debt ( I still have no idea the dollar amount or the nature of the collection ). I recieved a certified letter on a Saturday ( that I was not present for and my husband with the same last name was not allowed to sign for ). The only thing on the certified notification was the name of the debt collector ( credit management services out of XXXX XXXX, NE ) which was the same name was on the letter as the stated above letter from the fair debt collection consumer protection law firm. This debt has not showed up on my XXXX report or XXXX report. Whatever the debt is I would ( a ) like a certified letter explaining the debt ( b ) if it is a debt I owe like to settle it out of court.
Product: Checking or savings account

XX/XX/XXXX reached out to resolve issues XX/XX/XXXX spoke to supervisor that asked for number I had on purchaser of the vehicle XX/XX/XXXX reached out with buyer and myself on the phone no help. 
XX/XX/XXXX called asked for fraud department gave them registered number of purchaser of car they claim the number wasnt valid. 
I had to report the car stolen from this older gentleman who purchased car for his daughter. My account doesnt deserve to be restricted.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX 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 have been unemployed or marginally employed since XXXX. My monthly payments are more than my monthly mortgage payment at over {$1800.00} a month. They also recently raised my interest rates from 10 % to 15 % percent because of " inflation ''. I was able for a while to enroll in their rate reduction program and made the payments for years, despite the financial burden it placed on our one income budget. Payments were suspended during XXXX, and shortly after I was informed that I qualify for a class action lawsuit against them for failure to discharge loans in the bankruptcy we filed in XXXX. I have not recieved any information regarding the outcome of the ruling that was made in XXXX, and now they're back to calling me multiple times for payment, which I do not have. I just don't. I can't make {$1000.00} magically appear every month without sacrificing my mortgage or feeding my XXXX kids. My original loan total was around $ XXXX. I've paid back nearly $ XXXX since XXXX. They claim I still owe $ XXXX. How does that work?! How is that legal?!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am writing to file a formal complaint regarding the inaccurate, incomplete, and unverifiable items that have been reported on my credit report. I am seeking the assistance of the Consumer Financial Protection Bureau ( CFPB ) in addressing these issues and ensuring that my credit report reflects accurate and reliable information. 

I have reviewed my credit report, obtained from Equifax, and identified several items that are in violation of the Fair Credit Reporting Act ( FCRA ). These items include specific inaccuracies, incomplete information, or unverifiable items that I have diligently identified. 

I want to emphasize that I have carefully reviewed my credit report and made a diligent effort to verify the accuracy of the reported information. I have personally gathered and retained all relevant documentation and records pertaining to my credit history. Furthermore, I affirm that I hold power of attorney over myself and no other individuals, ensuring that I have full authority to dispute these items on my own behalf. 

In accordance with the FCRA, I am formally submitting my disputes to both the credit reporting agency and the furnishers of the disputed information. I kindly request that the CFPB intervene and initiate an investigation into these matters. I am aware that the FCRA requires that the investigation be completed within 30 days, and I expect prompt attention to this matter to ensure a timely resolution. 

Please be advised that I am prepared to provide any additional documentation or evidence that may be necessary to support my dispute. I am committed to resolving these discrepancies and restoring the accuracy of my credit report. 

I appreciate the crucial role that the CFPB plays in safeguarding consumer rights and ensuring fair and accurate credit reporting. I have confidence in your ability to address this matter effectively and advocate on my behalf. 

Thank you for your attention to this complaint. I look forward to a prompt resolution of this issue and the restoration of my credit report 's accuracy. I kindly request that all correspondences related to this complaint be sent to the address mentioned above
Product: Money transfer, virtual currency, or money service

I'm complaining about Cash App ( Block, Inc. ) because of their unjust methods and poor customer service, which are under the Consumer Financial Protection Act ( CFPA ). In particular, Cash App left my account exposed and unsafe by failing to take prompt and appropriate action to stop and handle fraud on their platform. Additionally, because they failed to adhere to the Electronic Fund Transfer Act 's ( EFTA ) and Regulation E 's error resolution criteria, their dispute resolution procedure was unfair and misleading. I demand adequate remedies for these infractions, which have resulted in significant financial loss and inconvenience.
Product: Checking or savings account

I summited one payment transaction online on the XX/XX/18 with XXXX XXXX in Georgia ( Routing number XXXX ) the amount XXXX and it was withdrawn twice and only one transaction was authorized by me to be deducted only once by the FirstBank of Puerto Rico ( Routing number XXXX ). First Bank of Puerto Rico are the ones declining to make the refund and every time I call them they give me a new set of excuses. If I request to speak with a manager they refuse to do so.
Product: Mortgage

My mortgage started with XXXX XXXX and was sold. They had just completed a loan modification to place my taxes and hazard insurance into to escrow and to remove my ex-wife from the mortgage. The company that took the mortgage over was XXXX XXXX XXXX. They increased my payment dramatically and would not acknowledge the modification I had with XXXX. Within 90 days, they sold the mortgage to Rushmore Loan Management services who also would not acknowledge the loan agreement I had with XXXX. 
I have spent almost two years trying to get Rushmore to honor the loan agreement I had with XXXX when the loan was purchased. They have not only refused to honor even though I have provided them with the modification paperwork, but have not cashed any checks I have sent to them, refused to tell me who owns the note, and have destroyed my credit so that I can not get another loan or mortgage. My credit was pristine until this all began. Rushmore continues to pile up interest and fees but will not acknowledge their error or give me one person to deal with. I have corresponded via emails, writing and numerous phone calls and have been either ignored, or blatantly lied to. One representative told me that he did n't know why I have n't sued them because this is standard procedure for them to exasperate the client until either they pay or get foreclosed. 
Please help!
Product: Debt collection

I called XXXX again today and they claim that CFPB never sent them any information regarding my account. However, I have included documents.