23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Chase bank issued my auto loan for a used car I purchased last fall from the dealer. The issue I've had is that while the loan agreement expressly allows for me to make payments up to 90 days in advance Chase 's setup makes this almost impossible to do. If you submit a payment online and indicate it's a monthly payment the system changes it to a principal only payment without asking or telling me. If you send a check with a letter specifically directing the payment to be made for upcoming month 's payments they still do the same thing if you pay online. Even when I made a payment over the phone with a representative and specifically instructed how to apply the payment they lied by saying it would be applied to a following month and still made it a principal payment. 
The only way to actually get the payment applied correctly is to call back after making the payment and having a representative reverse it out and then reapply. This process takes up to an hour each time and the time period to fix the payment can be up to a week. 
It is clear Chase has this set up to make it difficult to pay ahead and allow them to try and violate the terms of their own loan. I finally just paid it off so I wouldn't have to continue to work with Chase bank but this process that they forced seems very shady.
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 an 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 air resolution requirements under the electronic fund transfer act ( efta ) And regulation E these actions have cause significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

XXXX XXXX, 2021 - XXXX XXXX,2021 13 payments of {$540.00}. a payment of {$270.00}, Then on XXXX XXXX,2021 for ACH of {$5400.00}. And I was in the hospital XXXX XXXX XXXX XXXX XXXX XXXX  for 1 year. I supplied police reports, medical document, FTC report of fraud. Picture Id from the hospital in which all other personal documents were stolen from me. All totaling to {$14000.00} now and I have pending eviction for non payment.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the failure of the credit reporting agencies to remove adverse information from my credit report despite my status as a survivor of human trafficking, and my previous submission of the necessary documentation in accordance with Section 605C of the Fair Credit Reporting Act ( FCRA ). As a survivor of human trafficking, I am protected under FCRA Section 605C, which mandates that credit bureaus block and remove adverse credit information related to fraudulent accounts or debts incurred as a result of my trafficking situation. 
On [ date ( XXXX ) of previous submissions ], I mailed the required documents, including proof of my trafficking status and identification of the fraudulent accounts. However, despite complying with all the requirements, the credit bureaus have failed to take the necessary action to block and remove this information from my report. The continued presence of these inaccuracies is causing significant harm to my financial recovery, and it violates my rights under FCRA Section 605C. I am requesting the CFPBs immediate intervention to ensure that the credit bureaus comply with their legal obligations and remove the adverse information from my credit report.
Product: Credit card

There are fraudulent charges on my credit card. I have asked Citibank 3 times to close this account but it does n't get done. I just received a notice that a payment is due after I called Citibank and was told that they would take care of this. I have had XXXX different account numbers for XXXX different cards in the past XXXX mo.
Product: Mortgage

My current mortgage owner, RocketMortgage, purchased my mortgage approximately 4 months ago. Since then I have been receiving regular phone calls from them to refinance, after having previously opted out from marketing communications. At the time the mortgage was sold I received notices about it from RocketMortgage and the previous mortgage owner who both stated in writing that communication preferences and opt in/out would be transferred over. Since RocketMortgage purchased it, I have also opted out with them, both via their website as well as via a phone representative. They continue to call very frequently. The most recent call the agent on their side confirmed that they never changed my contact preferences. I have also received email marketing from them after having opted out which is a separate violation of the CAN-SPAM act. At times I end up receiving 2 or 3 calls from them per day. 

After attempting to work with them to have these opt out preferences respected and this request be ignored, it is clear they have no intention of respecting it. I am reaching out to file this complaint in hopes that action from the CFPB and FTC will help correct this problem for myself and other customers of theirs who are being unfairly and illegally harassed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and Equifax to reinvestigate this account from XXXX XXXX XXXX XXXX XXXXXXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't 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 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.

Also they aren't even in compliance with metro 2 credit reporting.I have evidence to prove my case the days of last payments arent correct as of XXXX and equifax. The high credit is different as well as the last reported date and the date the account was open is inccurate!!!
Product: Credit reporting or other personal consumer reports

Approximately 3 months ago I submitted a final payment to pay off my student loan balance. The payment was around XXXX. I submitted this payment to Mohela, the servicing company that took over XXXX loan servicing. On my credit report, XXXX still shows that I have a loan balance of XXXX. This is incorrect and could impact my ability to get a loan in the future as it weighs into my debt to income ratio. I reached out to Mohela and they refused to do anything about it, stating that the loan could take years to fall off of my credit report. I am not asking for the loan to fall off of my report. I am asking that the balance be reported correctly.
Product: Credit card

I have a Dillard 's American Express card. I want to import the transactions into my XXXX software, but I can not. I can not get through to the customer service to get them to establish the online code/link to be able to get the ledger of the transactions.
Product: Credit card or prepaid card

Cash App reviews Cash App - Unauthorized transactions that were refunded but not recieved XX/XX/2022 Verified Reviewer 0 comments 1.0 Name : XXXX XXXX XXXX XXXX  : $ XXXX Reason : Back in XX/XX/2022 I had 4 unathorized transactions go through on my accpunt that I did not authorize nor did anyone have access to my secure card or account information which i keep very secure with multiple passwords on my phone. I disputed these transactions in the amounts of XXXX, XXXX, XXXX, XXXX. 

I never make these sort of purchases, especially repeatedly like this. So Cash App said refunds were sent back to my card linked to my account but have still gave never recieved a penny of them. Was told to conntact my card issuing bank and even with the trace numbers provided to me by cash app they were not able to locate said refunds anywhere. Fast foward and many many chats emails and phone calls, hours wasted talking with too many support agents to count, still nothing. 

So cash app tells me they will start their own investigation if i provide proof i never recieved them and things like name reason i think these were unauthroized, cashtag, dates and amounts. I provided all of this and have been the most cooperative with cash app three times now. They refuse to start investigation without any valid reason and keep giving me the mosy ridiculous automated answers as if they have no idea what i am even talkinh about even though i have chats that go back more than three months ago about this very issue. Sometimes i am just completlely ignored and told if there is anything else they could help me with theyd be happy too.

I need my money that is owed to me and i have waited lomg enough and have already started a complaint with the XXXX and CFPB and have no problem getting legal helo to go to arbitration if that is what it is going to take in order to get my money at least located. 

The weird thing is that each of these transactions still are in a pending status that says " REFUNDING BY XX/XX/2022. '' IT DOES NOT SAY REFUNDED, IT SAYS REFUNDING AS IF IT HASNT HAPPENED YET. i am really hoping to get this resolved immediatley and hope you will be able to help me out with this situation. 

Thank you
Product: Vehicle loan or lease

Dear BANK OF AMERICA I, the consumer and natural person, was denied credit by BANK OF AMERICA when I applied for a Auto Loan. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by BANK OF AMERICA due to the response I received. BANK OF AMERICA is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of BANK OF AMERICA. If BANK OF AMERICA fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make BANK OF AMERICA criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 16810. I will also follow up with an invoice for said violations ( {$10000.00} } per violation ). Thank you. XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Checking or savings account

I opened a new checking and saving account with my name only on XX/XX/2023 at a local branch in XXXX, MD. I used Citi Banks Global Transfer to fund my new account from my joint account with husband, changed my bills over to my new checking account, paid a credit card bill, and XXXX my daughter her allowance. On XX/XX/XXXX, I went to use my debit card, it was declined, so I went to log on to my Citi Bank account on line and was not able to log in. I called the help desk and after verification process they told me that I had to speak with the fraud department. I called the fraud department and they told me that my accounts were closed due to suspicious fraudulent activities which they were not able to tell me and said that a letter was in the mail with the reason. On XXXX, my husband and I went to the local branch and the banker called multiple people also, but she was told the same thing, that we would receive a letter as to why the account was closed and that we would receive our money in XXXX. Then the next day I received an email stating : Hi, XXXX. We periodically review customer accounts and assess account activity. Based on a recent review of your REGULAR CHECKING account, we found that you have violated the terms of your account per the client manual. 
As a result, your REGULAR CHECKING account and any other Citi accounts you have will be closed within 60 days of the date of this communication. All of your accounts are now restricted from receiving deposits or credits, effective immediately. 
They did not only close my account, but they also closed my joint account with my husband. Our joint account is used for all bills and daily living expenses. My joint account also has my quarterly and half year tax payments that are due on XX/XX/XXXX. We do not have access to any of our money and have no clue what we did wrong to cause this issue. 
At this point in time we are struggling to pay for groceries, gas, and bills. They have indicated that we would receive our money within the next XXXX after the account is closed by the bank. We cant see the activities on the accounts, have no clue what bills has been paid, or what they are doing with our money. They say that they will send us a check for what is in the account, but how are we to know if they took money out of the account or refund us the actual amount that they owe us. They are saying that it will take up to 60 days for them to process the payment. Im not sure how we are supposed to live, eat, or travel as planned.
Product: Debt collection

ONCE AGAIN THE CASH STORE IS COLLECTING ON ZOMBIE DEBT, THIS ACCOUNT WAS PREVIOUSLY SOLD TO OTHER AGENCIES..
Product: Student loan

I have been complaining about this company and their servicing of my student loans for years! Please add me to the list of people who deserve to be rewarded for having to deal with them. They have caused me a great deal of pain over the years and it continues to this day. Thank you for finally protecting the consumer. I believe I would be an excellent person to testify against Navient/XXXX. Please contact me if it is possible to be a part of this lawsuit.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my brother in law mistakenly filed a fraud claim against a Venmo transaction. After a lot of back and forth Venmo determined I had no choice but to wait until the claim was resolved by my brother in law 's bank which is XXXX XXXX  XXXX. My brother in law WITHDREW the claim. On XX/XX/XXXX XXXX  XXXX XXXX sent a notice to my brother in law that the claim had in fact been withdrawn and then they took the money out of his account. This should have cleared up the negative balance on my Venmo account as per the bank, Venmo has received the funds back. Shortly thereafter on XX/XX/XXXX I received a notice from Venmo that this claim had been resolved in my brother in law 's favor, which is not at all accurate. Venmo is XXXX  dipping and holding on to other funds of mine all while getting the money back from XXXX  XXXX XXXX. I am attaching the complete XXXX XXXX showing that XXXX  XXXX XXXX shows the claim as XXXX, has reversed the temporary credit and that Venmo is still holding on to my funds. My brother in law has provided me access to all notices in regards to this and I have attached them here. As XXXX  XXXX XXXX has already taken the money and I keep getting nowhere with Venmo, my brother in law and I have called XXXX  XXXX XXXX again XXXX  on XX/XX/XXXX and XXXX  XXXX XXXX said the following " XXXX has stated that they have sent the funds to the banking service that Venmo uses. They noted that it can take XXXX days to go from the bank to the vendor, and are advising to have us or Venmo reach out to their bank to inform them the case is closed. '' I submitted a prior complaint to the CFPB and Venmo called me and said I could continue to wait and see if the money showed up in my account, but the money has not showed up in my account. Venmo continues to simply close CFPB complaints without any resolution and now it has gotten to the level of stealing as they have money they are not returning. I have a full XXXX XXXX showing Venmo HAS received the funds. 

It has now been over XXXX  days since the funds were returned to Venmo. After calling the bank again, they state the have confirmation Venmo has received the funds. Venmo is committing fraud and someone in the company needs to investigate this further. There can not be money they just hold on to because no one is willing to do the legwork.
Product: Prepaid card

I received an Amex eGift Card. 

XXXX XXXX XXXX XXXX XXXX  and shows a balance. I attempt to use this on XXXX using the full and then various amounts under the full value of the card. The transaction is declined. 
Many people have reported having this problem starting this past year.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Bankruptcy Case Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number XXXX XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account XXXX : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

I have already disputed these items with the bureaus, but they did not remove them, nor prove validation. 

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 reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Some people have used my information for government benefits, It had a negative impact on my report. My Equifax is not showing on report and scores.
Product: Credit reporting or other personal consumer reports

I have always maintained an impeccable payment record with the XXXX XXXX, with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing. 

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family.

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately.

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law.

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date.

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided. 

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

I demand the removal of the late payments from my consumer reports.
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 : # XXXX 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 XXXX 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 XXXX 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: Debt collection

this is a debt collection agency. they are reporting this debt on my reports for a XXXX. I have asked this company to validate this account. I have never done business with them. this is a fraudulent account.
Product: Credit reporting or other personal consumer reports

I am writing once again to follow up on my unresolved dispute regarding the unverified and inaccurate accounts listed on my credit report. Despite previous attempts to rectify this matter and your assurances of investigation, these discrepancies persist. v
Product: Debt collection

I have no knowledge of this account and believe it has been reported in error. I have informed MCM that I am a victim of fraud and requested a detailed breakdown of the alleged balance ; however, they have refused to provide this information. This lack of validation is concerning and adversely affects my credit standing.
Product: Checking or savings account

I deposited a check through the ATM of XXXX in my business account on the XXXX of XXXX. I didn't use any fund until the XXXX of XXXX. I did a couple of transactions and on the XXXX my card declined. In my head I waited 2 days for it to clear so I assumed the funds cleared. Unknown to my knowledge they put a stop hold on the check and every transaction that I made after the alloted funds they allowed me to use they charged me XXXX dollars. They allowed me XXXX dollars to everything after the XXXX they charged XXXX, which was in three separate transactions. I didn't know until on another transaction XXXX XXXX which was declined, which triggered me to call in and that's when they told me all of this. They said they sent me a notification. Banking is supposed to be clear communication so they should of declined all transactions after thy XXXX and sent me an email. On the XXXX I had to call the manager XXXX XXXX who opened my account to release the funds because she knows me. This is high way robbery. They should declined all funds instead of making it feel like the entire amount was allotted. Notifications should not be sent to notify about funds especially in a business account. They are taking away from my income.