23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

* I have created a new login because I am trying to dispute response from Bank of America in case number XXXX. My phone calls were never returned from XXXX XXXX at XXXX extention XXXX. Was on vacation until XXXX/XXXX/XXXX then given another extension XXXX, I left message and never received a call back. No one is returning my calls. I have notified my lawyer also with the response on this dispute. Bank of America is claiming I am still liable for this debt even though the XXXX reads " Total debt is discharged with an Indentifiable Code : XXXX " which means the debt has been canceled. I have filed that XXXX with my XXXX IRS filing and paid back taxes on that debt already. I need to know specifically what documentation they need to fix this matter. I also want this dispute forwarded to a manager/supervisor along with direct phone number and fax number to call back and get a live person and not a voice mail. My lawyer has a copy of everything I have forwarded to you and I should be hearing back from my lawyer the next few days also. My credit reports are now back showing " delinquency ". I have filed and paid taxes on this " discharged debt ''. This account once again should be closed, a charge off canceled debt with {$0.00} balance.
Product: Mortgage

Service Mac ( SM ) serviced my loan from XX/XX/XXXX XX/XX/XXXX on behalf of XXXX XXXX. On XX/XX/XXXX, I advised SXXXX to not pay any invoices from XXXX for homeowner policy XXXX XXXX the amount of {$5200.00}. I advised that I had secured insurance coverage through XXXX XXXX. The XXXX invoice should be paid. XXXX on either policy didn't become effective until XX/XX/XXXX. I was advised that SM would not pay the XXXX XXXX invoice but would pay the XXXX invoice. 

Without my knowledge and contrary to the representations above, SM in fact paid both the XXXX XXXX AND XXXX invoices. SM failed to advise me of the XXXX XXXX payment that I expressly did not authorize. 

SM subsequently advised : We have completed our research and determined an error occurred. Upon further review, you spoke with our XXXX Department on XX/XX/XXXX, advising us that you changed your homeowners insurance company from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] to XXXX XXXX XXXX and to not issue a payment ; however, a payment in the amount of {$5200.00} was already pending due to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  sending us a renewal on XX/XX/XXXX. Per our policy, we pay XXXX month in advance, but during this phone call, it was not communicated to you at that time that there was a pending payment. 

I didn't become aware of the improper payment to XXXX XXXX until after XX/XX/XXXX at which time I requested that the policy be cancelled flat since coverage was in effect at all times through XXXX. XXXX XXXX refused to cancel flat but reimbursed {$900.00} as a partial refund / cancellation. 

SM is responsible for reimbursing me or my escrow account the difference, {$4300.00} for its unauthorized escrow payment to XXXX XXXX / improper failure to notify me that payment had been made despite the fact that SM represented that no payment would be made to XXXX XXXX.
Product: Vehicle loan or lease

Hello my name is XXXX XXXX and this is the second CFPB complaint I have had to file about the same issue that Navy Federal keeps telling me for 3 years has been resolved. I am not wasting my time telling the entire story again- please read the prior complaint I have attached and see two documents. Due to having spoken to numerous reps for the past 3 years and no one seeming to be on the same page, I am corresponding here to make sure this is handled properly. Someone called after the last complaint and assured things would be handled and here we go again a year later. Navy Federal needs a much better system of accountability in their auto titles department instead of sending out threatening letters out of the blue with no context. Use the Navy Federal portal to communicate with members specifically and notes should be in the system so employees can read the backstory so they know how to communicate with members.
Product: Mortgage

3rd try - This is not going away! You last response saying the 2nd was a duplicate is further proof of your lack of concern into fixing this problem.

You ONLY allow the minimum payment. This is NOT acceptable If this is not resolved after this 3rd complaint I am taking this to the next level of exposing your company lacking the ability to service a negative amortization loan. 

Only being able to do the minimum payment force the negative amortization amount into arrears.. 

A complaint has also been submitted to XXXX XXXX so they are aware of RushmoreLM being behind technologically. 

Rushmore LM does not know how to properly service negative amortization loans. I am only allowed to pay the minimum payment on line - not even the statement shows the negative amortization payment amount. I have to call and spend 30 to 45 minutes with them every month to make my payment because they are not equipped to handle the payment online or by mail. Companies like this should not be allowed to handle loans they are not suited for. I understand the loans can be moved however it should be mandated that the new company knows how to service the type of loan the consumer has. Rushmore LM does not allow me to execute the options of my negative amortization loan. They only allow the minimum payment. This is NOT acceptable
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted Online Dispute with XXXX and XXXX, Regarding my credit report with wrong information, My wife placed me on her account as authorized user i was not aware at the time, When i found out i had her take me off of the account, After submitting my dispute i received a letter from Citibank, N.A, Indicating they were not able to remove this from my account i was told my wife would need to have me removed from the account, My wife did remove me from account, Citi went on to say they would leave all historical information on my Credit report but would stop reporting, This account need to come off of my report 100 % have absolutely nothing to do with this account never used the card. Dont pay or shop with the card Adress provided from Citibank N.A. XXXX XXXX XXXX XXXX XXXX, SD XXXX contact phone number XXXX
Product: Money transfer, virtual currency, or money service

I have utilized my PayPal account along with it's linked PayPal Cash Card which is issued by MasterCard for more than a decade to be able to track and handle certain types of purchases independently from my main checking account debit card ( through XXXX ). 

On XX/XX/XXXX of 2020, my PayPal Debit Card was charged {$15.00} from XXXX for a XXXX subscription on as it is on a monthly basis. A feature within PayPal called Automatic Top Up handles making sure that sufficient funds are available and transfers the needed funds from your selected checking account ( with a debit card as a backup funding source ). This is handled by putting a hold on the debit card for the funds, then initiating an ACH transfer from the bank, and releasing the hold once the funds are received. During this transaction PayPal 's systems failed ( per their own admission on recorded telephone calls ) and thus the balance of the account went into the negative, putting my account into " collections '' mode, disabling the debit card, and because regular transactions take " 3-5 business days '' to credit -- manually applying the {$15.00} to get the account balance to {$0.00} will not even credit until XX/XX/2020 causing the account to be locked and unusable. 

Attempting to contact customer service automatically transfers my call into their collections department. However, they have no ability to address the situation, and since the account is already ( slowly ) being brought back to a {$0.00} balance stated that the " real  customer service department is not available by phone, and only available through chat paypal.com/help '' and typing 'Agent ' to the bot Attempting to reach someone through that method has been fruitless as it simply states that it will send the conversation ( I had with the bot ) to someone and they will get back to me. This is not acceptable customer service when it comes to my money! Especially after 20 years as a loyal customer.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX PLEASE UPDATE MY PHONE NUMBER TO OMY FRAUD ALERT : XXXX, REMOVE ANY OTHER NUMBER FROM MY FRAUD ALERT To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX Please update to the correct address XXXX XXXX XXXX XXXX, XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, FL XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX THESE EMPLOYERS DO NOT BELONG ON MY PROFILE EMPLOYER : XXXX XXXX XXXX XXXX REPORTED XX/XX/XXXX EMPLOYER : XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within
the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting

I have been disputing multiple fraudulent accounts on my credit reports with XXXX, Equifax and XXXX to no avail. I have sent in verifiable proof multiple including identity theft affidavit and police reports, yet the credit report agencies have not deleted this information in over a year of multiple dispute attempts over the past two years. 

They continue to state that these accounts have been verified by the creditor but when I ask for proof of verification, they never send the proof to me to validate their results. These are all fraudulent accounts! I am in process of filing a lawsuit against these reporting agencies if they do not delete these accounts. I have been harmed by their misrepresentation and my credit has been destroyed
Product: Payday loan, title loan, or personal loan

Dear SELF INC, Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity of this debt your agency claims has come due. 
Fair Credit Reporting Act 609 Disclosures to consumers : ( c ) ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified.

Fair Credit Reporting Act 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Fair Debt Collection Practices Act Section 809. Validation of debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. 
I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. 
Under the FCRA, unverified, invalid accounts must be removed. 
If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from ( Your Name ) credit reports. I demand the account be verified or removed immediately! 
The law is very clear as to the Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX - Last Reported XX/XX/year> - BALANCE {$3600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

VW Credit of {$21000.00} is being dates aren't correct XX/XX/XXXX to XX/XX/XXXX. the XXXX is owed is not correct of {$12000.00}. 

The account keeps being repost over the last 8 yrs. Last payment needs to be verified. The accounts have been resolved and settled.
Product: Credit reporting or other personal consumer reports

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : 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 XXXXXXXX XXXX XXXX XXXX All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Since XXXX business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a 4 business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).
Product: Credit card

on XXXX. I restrictively indorsed the bill and sent them a letter asking them to transfer the positive values on the bill to my Principal After that, they left me alone for awhile. They kept the balance on my account, but said on XXXX that the account was in good standing, and I was never late on my bills A day after I disputed the account on XXXX, stating that the account should be paid already, they dropped my XXXX XXXX by XXXX points ( approximately ) On XXXX  I did another restrictive indorsement. This time I sent them a Notice of Claim of Interest- First attempt letter, telling the CFO to take the Principal Balance and transfer it to the Principal Account to set the account to XXXX, each and every billing cycle. This is a XXXX of XXXX. I also sent them another letter the same day that cites all the reasons why I can pay Bills of XXXX with my Principal Account They ignored me again, and dropped my XXXX XXXX again. 

Even their own credit card agreement says I can use restrictive words on the bill, but just to send it to a different address when i do
Product: Credit reporting 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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : # XXXX. 
XXXX XXXX XXXX - XXXX ( Duplicate of the same accounts on record ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - # XXXX There are also incorrect current/previous addresses and employers list from XXXX and XXXX. 

XXXX - My previous addresses have typos and employers are incorrect. 
XXXX - Current and previous address are incorrect 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I revoked authorization for upcoming advance which follows the company policy of allowing timely notice. On XX/XX/XXXX, they debited my account although I had requested funds be stopped. This has resulted in multiple overdraft fees. I have emailed, chatted, and called and so far this is still unresolved. The company is taking their time giving my money back
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 protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent 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 to which I seek appropriate redress for these violations.
Product: Mortgage

on XX/XX/XXXX I took out a home equity loan to help fund the opening of an XXXX XXXX to help increase our income. This was an interest only loan. All payments were made on time. When XXXX hit the US in XXXX we were forced to close down. Being a small family restaurant, run by my wife, daughters, and grand daughter we could not financially manage to stay current with all our bills. This closure lasted for a year. as a result I contacted Keybank to see if we could get help. They granted us a forbearance which ended in XXXX XXXXI then tried to get some other type of help from them. It took almost XXXX months after many applications, only to be denied. I appealed the denial twice. After the first denial a representative from XXXX told me about XXXX XXXX different options that may be available for us, so I filed a XXXX appeal, only to be denied again. When I called to find out why I was told that my loss of income from the closing of our restaurant should be claimed on our tax return and not acceptable on an income statement. Other than XXXX this business was our only source of income, so that's why it was denied, every time. I now owe more than the original loan was and there advice was to sell my house to pay back the loan. I asked about paying back a lesser amount, as they previously said to satisfy the loan but said I didn't qualify due to lack of sufficient income. Now they say foreclosure is next. The forbearance section of Keybank is next to Impossible to work with. We lost income, our Business, and some kind of peace of mind by no fault of our own, At XXXX XXXX XXXX I really don't want to lose our house on top losing income, a business and both our mothers all in XXXX. Keybank needs to step up and help clients rather than there bottom line.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : 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
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXXXXXX XXXX XXXX XX/XX/year> Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.