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

I started my direct deposit which will starts on XX/XX/20. I figured since I close out my other account I would setup my PNC account to my XXXX XXXX so that when my XXXX daughters who are in college need money I can get it to them quickly. Now, its blocking me from linking my account. I'm very unsatisfied and if I'd known that I could not link my account I would have stayed with my prior banking institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

my review was completed and ignored in less than XXXX hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit issues and have made pmts on it and there useing third partys to keep the money I already payed by not receiving it back yet .at some point I signed these statements and didnt know this was the way it was .including XXXX XXXX , XXXX XXXX  XXXX  XXXX college XXXX and capital one credit card services 10 yrs now ongoing and there are a bunch of new things dont know who or what they are .Flagler police dot .and XXXX county fines and court cost driver lisence bureau .XXXX  XXXX  and driver lisence in XXXX  over 10 years XXXX XXXX XXXX county XXXX XXXX XXXX old charges .XXXX count police dot old fines and tickets and pictures on XXXX where I was robbed my Mugg shots on there and refuse to remove them .took them down and put them right back XXXX XXXX XXXX county stolen atm card they used and have charges for .XXXX ATM XXXX XXXX for XXXX hospital and XXXX  hospital XXXX XXXX XXXX XXXX XXXX division emergency services when I had insurance XXXX  court house XXXX XXXX charges for money and no services from any of them even when I got the charges .XXXX XXXX
Product: Checking or savings account

I have received two letters on XXXX XXXX regarding the closure of my wells fargo checking. I have been a wells fargo customer for many years and I dont think I have done anything that is at issue. I have many services associated with this bank account for payment. Closing these accounts will negatively affect me very much. I tried to call wells fargo customer service and the only reason i got is that determined by the risk factors they decided to close my account. I would rather have a process for resolution or appeal of the decision. It is unreasonable to cause such inconvenience to a long term customer
Product: Money transfer, virtual currency, or money service

XXXX 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 procer 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 XXXX XXXX XXXXXXXX financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

This name variation is inaccurate and does not belong to me. It may cause confusion and misrepresentation of my personal information. I request that this incorrect name variation be removed from my credit report as soon as possible. 
Name Variation : XXXX XXXX XXXX XXXX XXXX I request that Equifax update my credit report to include only accurate and verified information. Once this correction is made, please send me written confirmation of the changes along with an updated copy of my credit report. Lastly, I encourage you to review my credit report for any other inaccuracies.
Product: Credit card

I am a XXXX XXXX XXXX. I was on XXXX XXXX XXXX  for XXXX  days from XXXX XX/XX/2024 to XXXX XX/XX/2024. I opened a Citi AAdvantage Executive credit card account on XXXX XX/XX/2024. I also requested to have XXXX protections applied to my account. Citi claims I am not a qualified borrower, despite me sending them copies of my orders multiple times and even pointing out where on the XXXX it states that I am a qualified borrower because I was on orders for more and 30 consecutive days. They also claim that I was not on XXXX XXXX when I opened the account, despite me sending them my orders multiple times. 

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 XXXX under a call or order that does not specify a period of 30 days or less, or such a member serving on XXXX XXXX XXXX XXXX XXXX as that term is defined in 10 U.S.C . 101 ( d ) ( 6 ). 

I keep sending in an application for XXXX and it keeps getting denied. The people I speak with over the phone refuse to give me additional information, the only thing the do I read me what it says on the denial letter. They also tell me that I may no speak to the people in charge of reviewing the account. 

What they are doing is not fair... specially when there is a law that is supposed to protect service members.
Product: Mortgage

My credit was affected by the poor business practices of LoanCare, the mortgage loan servicer for XXXX Mortgage. Below is a brief summary of the most recent incident. LoanCare systemically engages in obstructive, if not downright fraudulent, business practices, resulting in late payment fees and negative impacts on credit scores. I have paid our mortgage without fail every month since we bought our home XX/XX/XXXX 
Monthly, we pay our mortgage by scheduling online payments through our XXXX Bank checking account. At some point, LoanCare changed our mortgage account number ( without notifying me XXXX, resulting in the XX/XX/XXXX payment being returned electronically to our XXXX Bank account XX/XX/XXXX. LoanCare did n't notify me that this payment was returned, so I thought our mortgage payments were being applied appropriately. Instead, the account appeared to be missing the payment XX/XX/XXXX. Further, the amount of the monthly mortgage payment increased over the summer from {$2600.00} to {$2700.00} ( also without me being notified ), so not only were subsequent mortgage payments being applied to each previous month 's mortgage, I also then needed to pay the difference in the new monthly amount as well as late fees to rectify this. Because the monthly loan amount increased, and LoanCare wo n't apply payments unless they cover the entire monthly amount due, LoanCare then held {$2500.00} without applying it to my account, thus charging me further late fees. LoanCare did not have the correct mailing address or contact phone number listed on my account, and had my wife 's phone number listed as the contact, even though she is not on the mortgage. After spending much time talking to various call center employees and supervisors to figure out why LoanCare was n't accepting my mortgage payments, I paid ( again ) the mortgage payment that was returned XX/XX/XXXX, as well as the difference remaining after the monthly mortgage amount was increased, plus late fees of {$430.00}. I asked LoanCare, ( in writing : XXXXXXXXXXXX ), for these late fees to be refunded and a letter sent to the credit report agencies stating that my account is paid as agreed with no late payments. I also updated ( again ) our mailing address and contact info, and asked that I be immediately notified if there are any subsequent changes to the account. After waiting several months for a reply, LoanCare stated that they would not refund late fees and would not send a letter to the credit reporting agencies showing that my account has always been continuously paid in full, on time.
Product: Money transfer, virtual currency, or money service

Hello I am filing a complaint against Cash App ( Bloc , 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: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX XXXX about account XXXX  XXXX and asked them to delete this inaccurate derogatory account. They stated that everything is accurate 3 times now! But everything is still the same and the account information is STILL INACCURATE!! This is ILLEGAL!! They have once again broken the law! 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. I have NEVER given written consent to publish ANYTHING on my credit report which is also ILLEGAL!! I DEMAND that the accounts be deleted IMMEDIATELY! They have also violated these multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Their illegal actions are costing me and my daughter to live in unsafe circumstances because I can't get proper housing or transportation! If they do not delete these accounts from my credit profile permanently I will take further action and they will be liable to pay me {$1000.00} per violation!
Product: Debt collection

XX/XX/XXXX a consumer credit transaction was initiated with Carmax for a vehicle. In XXXX of XXXX Carmax Seized the vehicle even after I sent various letters to Rescind the contract, Verify, Validate, cease and desist and cfpb dispute. Carmax moved forward with the sale of the vehicle without informing me. This Debt was in Dispute and from my understanding no action should have been taken until resolved. My credit report shows " OK '' for XXXX XXXX and XXXX and I have proof that they were avoiding responding to my letters and request. The dates of the letters that were sent was extremely often and they also called and harassed me in regard to the alleged debt They have since sent me letters about balance but have also Charged off the item and updated it as so to the credit reporting agencies. the account was charged off in XXXX of XXXX and has repeatedly been updating the charge off every month. this is an update in the payment history which to my understanding charged off accounts should NOT include active payment history. Need I remind you this also falsely manipulates the statue of limitations I am demanding the deletion of the following account : Carmax partial account # XXXX
Product: Student loan

In XXXX I submitted my in school deferment paper through the website, it was approved later that week. Unfortunately, it has not removed the accrued interest that was added to my account between fall semester and spring semester. I explained I had been through this several times before with previous semesters and every time Ive had to make a call and request they escalate it so that the interest that was accrued during breaks between semesters would be removed. I have been in school full-time each semester so no interest should have been accrued. The interest that was accrued was during The time where fall semester had ended in XXXX and spring semester was beginning in XXXX just a couple of weeks. I have called every week for the last several weeks just to be told that it will get done the following week and to give a call back. At this point, I am tired of calling back and requesting it to be escalated just for them to deny me and say I need to wait longer before I can get it escalated. It is going to be over a month now and still the interest has not been removed. I would like the interest removed soon please. This has never happened before when Ive called for the same exact issue. I understand that sometimes departments fall behind, especially with request like these, but I have been told every week that it would get done the following week and it has yet to be done so.
Product: Checking or savings account

I received 2 letters from Huntington National Bank confirming that I opened a checking and savings account online on XX/XX/21. I did not open either account and they were both done under my maiden name. I called Huntington Bank to dispute the accounts and they said they will file a claim against them. I also asked if they run new accounts through the 3 credit bureaus because my credit is frozen, the rep said that they do but there would have been no way these accounts were open if that was the case.
Product: Prepaid card

On XX/XX/23, I tried using the Amex giftcard with {$150.00} balance on XXXX XXXX, but the card could not be used. The card showed a XXXX cent pending transaction as a result. On the same day I tried using it on XXXX for a {$150.00} XXXX XXXX giftcard and got my account placed on hold. This also resulted in a XXXX cent pending transaction. On XX/XX/23 I restored access to the account and on XX/XX/23 tried to use the same card to buy a {$140.00} XXXXXXXX XXXX giftcard and got the account placed on hold again.
Product: Credit card or prepaid card

I am a customer  of Chase 's   XXXX   XXXX   XXXX . This card heavily advertises a rewards program that rewards 3 % of spend on travel & dining purchases, and 1 % on all other purchases, which I 've used for sometime and have been quite satisfied with - but comes at a cost of a {$450.00} annual fee, so I have high expectations for fully utilizing the benefits of the card.     Earlier this year, I made a purchase at a cabin/lodging rental company,  XXXX   XXXX , for a trip. While not a nationally recognized hotel brand or travel agency, it 's a reputable company that can be easily found through web search, has a better business bureau profile, etc.     I reviewed my statement from  Chase  and found that I only received 1 % cash back on this purchase. I have contacted them multiple times to try to adjust my purchase to reflect that this merchant should be considered a 'travel ' expense and earn 3 % rewards, but was told that the merchant classification for  XXXX   XXXX  that from happening.     How the merchant is classified is not my problem  - Chase  clearly advertises bonus rewards for travel, and any reasonable person would conclude this purchase should earn them. I recognize the syste m may not be  100 % foolproof and am happy to bring this to their attention - but it is deceptive and unfair for them to not adjust my rewards balance after my having done so.
Product: Mortgage

The servicer was sent an XXXX and failed to respond in the required time with the information requested. Instead, they sent us a letter acknowledging the fact they are late in responding and indicated they would need an additional 15 business days. Even this amount of time has now passed. I will attach both the XXXX and the letter sent by the servicer to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 a consumer background screen was ordered by XXXX to a third party vendor Precheck. I authorized the check with the impression that the third party vendor would follow the FCRA rules and guidelines when reporting. That meant following the 7 year rule. I consented to that. Upon completion of the report on XX/XX/2021 the report was released by the vendor Precheck with unverified, inaccurate data in which I reached out to Precheck during the investigation process to provide details. The report also violated my privacy in that it included information that may have been public records but was nearly XXXX years old without my knowledge that it would be reported. When I reached out to dispute the consumer report I was met with resistance and stonewalled. I was told by management that they had the right to report public records so long as it appears public with or without my express consent. As a result of defamation and gross negligence on the behalf of this company my employment status is in jeopardy, not to mention the possibilities of further discrimination and character misrepresentation.
Product: Student loan

I am XXXX XXXX XXXX and XXXX XXXX veteran due to service connection. I can not get relief from AES for my private student loans, not only that but I had to lose credit for the entire semester of school because I enlisted in XXXX XXXX for the XXXX and did not get a refund from the school in the spring of XXXX due to my ship out date being before the end of school. They call me countless times and the stress from those calls is extremely burdensome and makes my XXXX worse every day. My federal loans through them were relieved ( XXXX ) years after my XXXX and XXXX XXXX became effective ( XXXX ) because I was not notified that I was eligible to do that. The calls every day, multiple times, and calling my parents who I do not live with that were co-signers over a decade ago all affect my mental health negatively. Its repeated multiple times a day and then they call the co-signers causing them to call and harass me because they threaten them with credit reporting. 

AMERICAN EDUCATION SERVICES does not care that I was XXXX due to my military service, they just want to harass me to pay them daily. Its bad enough that I lost freedom and the ability to live active due to my service but this company calls daily and threatens and harassed me affecting my XXXX. They dont care about US service members.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been a month since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IXXXX XXXX XXXX XXXX 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 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
Product: Debt collection

In accordance with the Fair Credit Report Act XXXX Account : XXXX Amount Collect : {$710.00} from Creditor : XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I submitted a dispute verbally on XX/XX/2023. The CSR said he would expedite the claim. 
I called Bank of America again on XX/XX/2023 and spoke with a male in the fraud department. 

He said it takes up to 45 days for an analyst to check on my dispute. 

This is unacceptable and I never got a written notice about the fraud department 's timeline. 

Therefore, I believe they are purposely dragging their feet, which is unethical ( maybe not illegal, but I will check that ). 

I will have counsel look more into this matter for possible legal action.
Product: Mortgage

Nationstar acting as the Servicer of this mortgage has failed to meet all of its requirements under HBOR and is attempting to illegally foreclose on my personal home by selling it at auction on XXXX/XXXX/2015. The direct violation of HBOR law is based on Nationstar Mortgage improperly and unfairly reviewing my loan modification request for relief. i have submitted a complete loan modification direct via fax and have been forced to resubmit the same package several times and i never get a single person to answer my questions honestly or directly. They always have hundreds of people pass of the file amongst each other just to create motion and delays. i intend to keep my home and i meet all eligibility criteria. they have never offered any help or relief and continue to threaten to take my home. Nationstar Mortgage instructed and allowed the Foreclosure Trustee named XXXX\ XXXX XXXX to illegally start foreclosure on my property. The Nationstar Mortgage and know your options website gave the result that i am eligible for a loan modification with a lower payment to save my property. So there is no reason why Nationstar should have denied my request or started foreclosure on my home.
Product: Student loan

My private student loan recently defaulted on XX/XX/2016. I was unaware of this matter, until I logged in to make a payment, and no payment options were available. I 'm aware that I was delinquent on the loan during the past 4 months, due to life changing events and financial hardships, divorce and single mother of XXXX. During that timeframe I made XXXX payments in an attempt to try to catch up on the delinquent payments, yet the loan still defaulted on XX/XX/2016. I 'm a little confused b/c I spoke with the loan company, American Education Services, to try to see if there was something I can do about a lesser monthly payment in order to catch up, but they insisted that there was none available. They referred me to the collection firm, XXXX, that currently has the loan, and they 're requiring me to put {$5000.00} down payment. I do n't have that kind of money, I 'm trying to catch up on things that I currently have now. I 'm more than willing to make monthly payments, but I can not afford what they 're asking for. I 'm confused on how the loan defaulted and I made few payments, trying to get back where I need to be with it.