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

on XX/XX/2022 Equifax investigated a collection and determined it was inaccurate and deleted it. Two days after XX/XX/2022 it reappeared on my report with no written notice which is a violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) ( B ). Which states ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

To this day I have not received anything in writing with a statement of the disputed information. 

Account Name XXXX XXXX XXXX or XXXX Account # XXXX
Product: Student loan

On XX/XX/2020, I spoke with XXXX about the wage garnishment refunds owed to me since the signing of the CARES Act. XXXX was unable to provide any information about when the other refund checks would be sent or why they have not yet been sent.
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 cause significant inconvenience and financial loss. I have transferred in and out over tens of thousands of dollars and I am seeking appropriate redress for these violations.
Product: Debt collection

Received a call from XXXX, from XXXX, ME. I returned the call, and it is Halsted Financial, located in IL, and I was informed by the rep the call was made by a rerouted number. I was informed this account was acquired, and I instructed the acccount should have been placed in a hardship status, as I have a household member going through XXXX XXXX. Rep stated that does not matter, as this is a collection account, and it is owed.
Product: Money transfer, virtual currency, or money service

I submitted a wire transfer from my account in Bank of America to XXXX in XXXX on XX/XX/year>. The wire was sent in XXXX XXXX, the equivalent to {$1900.00} XXXX dollars. It was rejected that same day but up until today, XX/XX/year>, the money has not returned to my account. I have wasted XXXX hours of my life calling Bank of America for answers and no one tells me anything useful. I have asked if they have done a trace or a recall and they have refused to tell me. They simply deny any responsibility by telling me they dont know anything and its the XXXX banks job to send the money back and until then they cant do anything. The money was to pay rent while I study here in XXXX and Im about to be XXXX thanks to Bank of Americas incompetence and lack of empathy. I have talked to XXXX here in XXXX and they told me a wire is automatically sent back to the same SWIFT and reference number it came from when its rejected, and yet Bank of America has no idea where the money is and refuses to look for it.
Product: Payday loan, title loan, or personal loan

ACIMA Credit Company charged me an excessive amount ( approximately three times the cost of the furniture ), in interest on furniture I purchased from XXXX XXXX XXXX XXXX. I attempted to reach out to ACIMA Credit Company to try to reach a settlement, before the account was paid in full, but was unsuccessful. 
( Lease Number XXXX ) First Payment Date ( Monday, XX/XX/XXXX ) Renewal Payment Amount ( {$120.00} + applicable taxes ) Payment Frequency - ( Bi-Weekly ) Early Purchase Option Amount - {$1800.00} + applicable taxes by XX/XX/XXXX TOTAL RENT PAID ON XX/XX/XXXX - {$3900.00} This company currently has a XXXX XXXX  rating with 1,152 Customer Complaints in last 3 years, and 355 complaints in the last 12 months, so I think this speaks for itself!
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent 2 certified letters I was told debt was VALIDATED ( not a verification ) I did request that this debt VALIDATED be sent to me with Certified Copies of the TRUE BILL ( not a statement ) & the Original Contract with my Wet Seal Signature on it I was not sent this information this is Now A Demand for this account to be VALIDATED ( not a statement ) to show proof this debt belongs to me this is now my 3rd request for this information if debt can not be proved the account has to be removed I do expect this within 15 days after being notified this complaint was received send this proof to my mailing address XXXX XXXX XXXX XXXX XXXX XXXX California XXXX this address needs to be updated on this account also and send all copies of all requested information also to my email address XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX  XXXX  Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022 & XXXX/XXXX  Date of Inquiry XX/XX/2022
Product: Student loan

This matter began XXXX, XXXX, after requesting a new Natural Disaster forbearance with my loans held by Navient. Please contact me urgently regarding this matter, I am filing a grievance today with the Consumer Financial Protection Bureau, as Navient has requested unethical information of me to process a Natural Disaster Forbearance after suffering from California Wildfires & floods in XXXX & XX/XX/XXXX ( XXXX XXXX XXXX XXXX, respectively ) ; with no right or reason to run a credit check for requesting a Natural Disaster Forbearance on my loans. No other lender has done this at any point in time, and this is highly unethical and quite plausibly, not legal. 

Additionally, I am not requesting credit, and my credit state is very poor due to the long term hardships experienced both with COVID and current Natural Disasters in California, which has severely affected my income. Further, Navient and its representative  XXXX XXXX, has outright refused on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to contact me via phone to resolve this matter after multiple urgent requests. As my co-signer is my retired, XXXX father whom has been extremely XXXX and XXXX with XXXX, I will include this in my complaint with the CFPB as Navient continues to neglect me and my requests for immediate assistance via phone. Navient continues to change the terms and requests of me via only email communication, and a Natural Disaster Forbearance does not require a credit check. I have provided all requested information to Navient regarding the need for this time urgent Natural Disaster forbearance and how it has affected me financially and medically, and Navient continues to attempt to change the terms of applying this previously promised Natural Disaster forbearance. 

This matter remains unresolved by Navient, and I request immediate assistance with this matter, as XXXX XXXX XXXX Navient Executive Team refuses to phone me to resolve this matter. Navient has no reason or right to run a credit check for a Natural Disaster forbearance, which is Federally regulated based on Natural Disasters, which I have experienced at this time with severe impact to my health, income and ability to repay my loans at present. As such, please contact me urgently to aid in the resolution of this matter and ensure that my loans are placed in a Natural Disaster forbearance as previously promised me, and as requested due to the nature of the Disasters I have experienced and noted in great detail with Navient. This matter remains time-urgent, and I thank you kindly in advance for your immediate assistance.
Product: Checking or savings account

Over 56 hours ago I discovered that BBVA had put a block on my account while trying to process a transaction at a grocery store. I have spent many hours on the phone with their hold music and customer service reps who refuse to pass me off to management, refuse to offer solutions and put me back on hold for extended periods of time. I have been told that policies that currently will not be extended to me because they have the knowledge that I am fighting to recover my funds and close the account. I am fighting for every loophole to get my money back. The block was added to my account with no direction from me. Today I was told by CS that I was the one who put it on hold " maybe for security reasons '' he said to me. I did not in fact put my account on any kind of hold for any kind of reason. They have successfully removed the hold on my account but now refuse to let me withdrawal my monies and close the account. I have missed payments, accrued fees, among other things. This has cost my greatly financially and emotionally.
Product: Credit card or prepaid card

Applied and was accepted for a Citibank credit card over a month ago. Received letter stating a card would arrive soon. Card never arrived. Called Citibank to get a replacement card with expedited shipping, again, card never arrived. Called a third time to get a replacement card, was told 1 ) Citibank could not send a verification message to my phone number 2 ) Citibank could not call back to verify my phone number, even though I was calling from said number 3 ) Citibank could not verify my identity to send another card without first sending a verification letter.

At this point I was quite frustrated, as previous mail had not arrived and the only option they gave me to access my account was yet another letter. So I told them to close my account. They refused, citing inability to verify my account. I now have a credit card account that I can't access and can't cancel until I get a letter that might honestly never arrive. I do not understand such measures, as no such verification was required to open the account in the first place.

I simply want to close my account as Citibank has repeatedly failed to deliver the card that I signed up for.
Product: Mortgage

For several months, bills from Universal American Mortgage Co., LLC have been delivered to the attention of the deceased prior owner of a condo I purchased in foreclosure from XXXX XXXX in XXXX 2015. Today XXXX addressed to me arrived, claiming I owed a balance of {$7100.00}. Contact with the company revealed that they had no documentation supporting their supposed " deed loan ''. My review of the closing documents failed to reveal any disclosure of such a loan. I have no intention of paying this loan and am concerned that my credit record will be affected negatively.
Product: Credit card

Someone went into a best buy store on XX/XX/24 and made a purchase of XXXX XXXX not using my card but had a fake ID and used my SSN, DOB, and address. The company sent me a letter and advised that I will not be responsible for the balance on my card. The person also tried again to do purchases in the store but it didn't go thru
Product: Credit reporting

I have asked on numerous occasions for my address and Name be corrected on my Credit reporting account.
Product: Credit reporting or other personal consumer reports

I am not liable and should not be held liable in any form for this debt with Santander Consumer USA. The loan is outdated and 100 % paid off and needs to be removed from my credit report immediately. 

15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without written consent
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes, I have called you guys during the month of may or so, for the covid 19 help, and the guy spoke to me saying that I won't get any interested charge not until XXXX, since you guys wanted to help me during these hard time. and you guys send me a letter saying that you guys would push it all the way until next month .... so why am i still being charge for an interest on XX/XX/2020? 

I have also contact someone today ( XX/XX/2020 ) and he doesn't seem to know what going on and he told me that it would take him 3 minutes to look up everything but i waited 20 mins just to get a response back ... so you guys are lying to me and don't know how to keep track of time, I hope the whole world see this complaint!! 

I also dispute many and all of these XXXX transaction since i never gotten the item from them and they closed my account before i could even make a purchase ... ..so why am i stll being charge from XXXX!!
Product: Debt collection

I have been receiving calls from First Recovery. I spoke with XXXX today. Number called was XXXX. Reference number was XXXX. She knew my name, the last XXXX of my social security number, my address, my bank account, my employment. She said she was recovering a debt from a payday loan XXXX XXXX, 2011 for {$400.00} from XXXX XXXX. I have never received a payday loan nor have received any paperwork for this debt mailed to my home. She said she would put this debt in dispute. I am worried because she knew everything about me.
Product: Debt collection

I spoke to XXXX at Sunbelt Credit at XXXX today told them I was sick and probably could not pay until Friday XXXX but would call later in the day after I went to the XXXX . 

XXXX called at XXXX and left a message and then XXXX called again at XXXX and ask wnen I was going to pay, even after I spoke with her this morning. 

I explained to her that I had spoken to her earlier, she said it didnt matter she needed a date when I was going to pay.
Product: Checking or savings account

On XX/XX/XXXX I made a mobile deposit for {$7900.00} at Chase XXXX XXXX account. Later in the week, XXXX from the local branch called me to let me know there would be a hold on it until XX/XX/XXXX and they were reviewing the check because they could not see who it was made to and wanted to verify the wright payee and amount with the issuing bank and business that sent my business the check. I agreed and waited until XX/XX/XXXX. 

I checked the balance online on XX/XX/XXXX and saw the funds had been cleared and account was in good order. On XX/XX/XXXX I received an email that the Savings account funds were lower than the set up threshold. I logged on and noticed a balance of {$0.00} and all the funds withdrawn. I called the customer service line and all they could tell me is the account was closed and funds were issued to me. On XX/XX/XXXX I visited XXXX in the branch to review what happened. After some time on the phone he said they did not verify with the business that sent my business that they had sent the check to my business. 

After another week I called the service line after XX/XX/XXXX and they verified the account was closed, no explanation and the proceeds of the account were mailed to the mailing address on XX/XX/XXXX. 

Another week I called XXXX at the branch and he said that was good they mailed the check on XX/XX/XXXX because on XX/XX/XXXX they closed the account and were holding the funds. 

I have only gotten passed around to various branch or presidential departments since then and need these funs for my business. To date no one has officially notified me of what happened no letter, no email no phone calls, its almost like they don't know and can not locate or send the funds. This is unacceptable!
Product: Vehicle loan or lease

Car turned in because ( 3 months ago ) engine defect in XXXX XXXX XXXX we didn't know about... Didn't get letter from dealership ( corporate ) about recall until car was already surrendered.. today on XX/XX/XXXX .. they emptied out all our savings.. was told the car would be sold and the difference would be our responsibility... And also that we could Make payment arrangements to pay towards that ... No letters sent no calls no warning but we fully intended to pay the balance now we can't. Took husband 's money and other account we set up to pay for new car.. state employees credit union which we have banked with and paid 3 to 4 vehicles off through them allowed the collections to do this.. car was sold for about XXXX dollars then took our whole savings and left us with nothing. Was also told they could take money every time we get paid to clear another XXXX owed on the vehicle leftover as well .This is our first surrender through them and we feel this is incredibly cold and insensitive towards people 's livelihoods including our XXXX kids was not even given the chance to make good on our word when we were told we could make arrangements to pay on the vehicle which would be sold..my and my name only is on the loan not my husband's.. ( joint savings account ) this is preditory behavior please help
Product: Checking or savings account

This issue is with Marcus by Goldman Sachs bank savings account. This has been going on for the last 5 days, and is in regard to attempts to execute a wire transfer of $ XXXX to fund a closing of a XXXX  property valued at $ XXXX. With multiple attempts on the phone and with several transfers to higher up holds, we are told that the money is on hold and we will not be able to transfer it out until XXXX XXXX  of XXXX, 2024. This makes it total of 15 days of bank holding money. At this point in time, we are at the mercy of the bank to close the deal. Please see the chronological events bellow in detail and provide support. 

On Thursday XXXX, I started a transfer with an agent, the agent wanted a verification pin sent to a phone, but the agent could not accept any phone number listed in the account, nor other numbers, nor email, or drivers license ; my access was blocked ; and due to a delay in pin send to my phone, I lost my web access to the account. I was asked to call back 3 to 5 day later to try to verify the account some other way. 

On Friday XXXX, My wife used her access to the marcus account to move the funds to a third party account listed on the marcus transfer page. verification issues ensued, and later the transfer was reversed stating the funds can only be sent to the originating account. 

On Monday XXXX, I called to regain access to the account. The agent asked some verification questions such as address, previous address, account numbers, then unlocked the account. 

On Monday XXXX, An agent guided my wife to put forward a wire to originating account, but due to a misunderstanding the wire did not go through. Marcus agents tried to unblockk the wire but we were informed to check back next day to cancel and retry the transfer. 

On Tuesday XXXX, my wife was able to cancel the wire she started the previous day ; I then submitted the wire request from my side, it was accepted initially. 

On Tuesday XXXX, later in the day, I get a call to verify a pin they send again for the transfer ( accepted ), but says there is something another group wants to check with me. The new agent says she needs to verify the account again, but this time the phone # and gmail are not good enough to verify the account. There is no explanation for how this will get resolved. 

We are trying to move the funds back to the account which originally funded Marcus with $ XXXX back in XXXX. 

We are afraid that our funds are being held XXXX by the marcus by Goldman sachs while we have a deadline to close on a XXXX  property purchase. We appreciate your help.
Product: Credit reporting or other personal consumer reports

On XXXX Capital One reported a late status onto my consumer report as well as a balance reported in the amount of XXXX, I requested a copy of the original agreement for disclosure purposes, and it's been 4 months and I haven't received anything.
Product: Debt collection

Affidavit of XXXX XXXX XXXX State of Virginia I, XXXX XXXX XXXX, residing at XXXX XXXX XXXX, XXXX, VA XXXX, being of sound mind and legal capacity, hereby declare the following : 1. I am a consumer protected under the Fair Credit Reporting Act ( FCRA ) and am exercising my rights under Section 609 to request verification of the account listed below. 


2. I have been XXXX  in the XXXX XXXX XXXX XXXX  since XX/XX/XXXX and am not scheduled for release until XX/XX/XXXX. As such, I have not and could not have purchased or financed an automobile during this time. 

Disputed Account Account Name : XXXX  XXXX XXXX  XXXX Account Number : XXXX Issue : This account, showing a charged-off status with a balance of {$37000.00}, is inaccurate and unverifiable. Given my XXXX, it is impossible for me to have entered into any agreement, obtained credit, or purchased an automobile during this period. 

Unfair Reporting Practices 1. Despite submitting proof of my XXXX  and disputing this account multiple times, Experian has failed to fulfill its legal obligation under FCRA 611 to remove this account or provide proper validation. 


2. Both XXXX and XXXX, after reviewing the same evidence, have removed and blocked this account from my credit file, as they recognize its inaccuracy. 


3. Experians refusal to remove this account despite compelling evidence demonstrates negligence and a violation of FCRA 607 ( b ), which mandates maximum possible accuracy in credit reporting. 

Sworn Declaration : I declare under penalty of perjury that the information provided in this affidavit is true and accurate to the best of my knowledge. 

XXXX XXXX XXXX