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

In accordance with the fair Credit Act : XXXX XXXX account XXXX, has violated my rights, 15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2. Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer services and unfair practices which violate the Consumer Financial Protection ACT. ( CFPA ) Cash App has failed to take timely and effective measures to prevent and address, fraud leaving my account further vulnerable and unprotected. Their dispute process is 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 hardship. I seek appropriate redress for these violations.
Product: Mortgage

We closed on our home XXXX/XXXX/XXXX. At the closing, we paid all of the XXXX real estate taxes. At that time, our loan was through XXXX. In XXXX of XXXX, we received notice that our mortgage had been sold to AmeriHome mortgage XXXX XXXX XXXX XXXX, nj XXXX XXXX. On XXXX XXXX, XXXX, AmeriHome mortgage repaid the 2nd portion of the XXXX real estate tax to the town of XXXX, ct. In XXXX of XXXX, we received a bill stating that our escrow was underfunded, and the mortgage company was raising our monthly payment by $ XXXXmonth. The total monthly payment was {$2400.00}. In XXXX of XXXX, I was completing my taxes, and went onto the town 's website to get my tax information and saw a credit of over {$3500.00}. I called AmeriHome in XXXX, XXXX, XXXX, XXXX and XXXX to explain that : # 1. They had overpaid the RE taxes from XXXX. # 2. They needed to get it refunded. # 3. They had to stop charging me this underfunded escrow charge of $ XXXXmonth because it was not underfunded. After hours on the phone in XXXX, I finally thought I made some headway. They gave me a new monthly payment of {$2200.00} ( still higher than it should have been ) and assured me that they were working on recovering the credit and that was due. In XXXX XXXX, I received another bill for the old amount, but was assured that there was an exception on my account and only to pay the {$2200.00}. This month, instead of calling, I sent in the same {$2200.00} and I received the letter attached. A copy of my next statement is also attached. They made a {$3500.00} error that they have passed on to me for over a year and a half. I ca n't even imagine what would have happened if I were not able to scrape together the extra $ XXXXmonth. I asked them every time I called for follow up or a resolution and have not received any communication. I do n't know where else to turn for help. Thank you, XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX was never late ! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX  days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Money transfer, virtual currency, or money service

Hello, I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

Mohela/XXXX XXXX XXXX XXXX is reporting multiple student loans on my credit report that are not accurate. I consolidated my loans and these loans need to be updated and reported accurately. I have a total of XXXX loans reporting on my credit report and this is incorrect.
Product: Debt collection

I received a letter from a debt collector, Central Portfolio Control, on XX/XX/XXXX, stating I owe money on an account I do not recognize and threatening to take me to court. The original creditor on the debt collection notice is listed as XXXX XXXX XXXX. I've contacted XXXX XXXX XXXX at least twice by phone and both times my contact information was taken and I was told I'd be contacted by their fraud department but I have not received any call back to resolve this matter. 

I have responded to Central Portfolio Control via fax on XX/XX/XXXX informing them the account is not mine and is a result of identity fraud but have not received a response from them.
Product: Credit card or prepaid card

Someone is using my credit card & has spent over {$400.00} on it, all of the purchases occurring in California & Illinois. I am tempted to contact the FBI because I have attempted to inform the credit card company since XX/XX/2018 but can not get hold of anyone at the credit card company. No one ever answers the phone although I have waited on the line for as long as more than 15 min. The message is always the same : " We're sorry but we're experiencing unusual delays. Please hold as your call is very important to us. '' or " We're sorry but all our representatives are still assisting other callers. Please stay on the line as your call is very important to us. '' I did voice a complaint to two employees through the 'chat ' line of this credit card company but each time was told that they can not assist me, that I have to call their 'security ' number. I have tried to call the credit card company 's number on my statement ( XXXX ) and a number one of the 'chat ' fellows gave me ( XXXX ) but to no avail. Obviously this credit card company does not care about its customers or the fraud that is taking place. This is the THIRD TIME I have experienced fraud with this credit card company & each time they have sent me a new card but it does not seem to stop the problem. I think it's an inside job. Also, the music while waiting is so loud it upsets my hearing.
Product: Checking or savings account

I have been a Wells Fargo customer for over 30 years and have a checking and savings account enrolled in the " Save As You Go '' transfer program. This program was advertised as a way to waive the monthly service fee. However, despite meeting the stated requirements, I was charged a monthly service fee on multiple occasions. 

When I contacted Wells Fargo for an explanation, I received misleading and conflicting information from multiple representatives. One falsely claimed I must have changed my transfer settings, which I did not. Another told me there was an additional requirement to make debit purchases or bill payments, which was never disclosed when I enrolled in the program.

I asked for official documentation proving these requirements, but the representatives struggled to find it. One representative provided me with a separate URL buried within my monthly statement PDF, claiming it contained the relevant terms. However, when I copied and pasted the link, there was no mention of 'Save As You Go ' anywhere on that page. Additionally, I was directed to a FAQ link titled " What fees other than monthly service fees are calculated monthly for my consumer account? " which is misleading because I was specifically seeking information about monthly service fees. 

When I asked for proof of when and how I was notified of this requirement ( email or mail ), they placed me on hold for over 20 minutes and could not provide a clear answer.

After 2.5 hours on the phone and multiple escalations, I was told they could only file a complaint and could not immediately refund the improper fees. 

Requested Resolution : A full refund of all improperly charged service fees. 
A written explanation of the current 'Save As You Go ' terms and all requirements to waive monthly fees.

A review of Wells Fargos disclosure practices to ensure this information is clearly provided to customers. 
This appears to be an unfair and deceptive fee practice, and I urge the CFPB to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a full-time dental student and a part-time service member in the XXXX XXXX. I am having an issue with getting the Us Department of Education Default Resolution Group to fix the inaccuracies on my credit report. They are reporting data for 11 accounts to the credit bureaus. My student loans went into default on XX/XX/XXXX as a result of being laid off from my job. They were transferred from XX/XX/XXXXto the US Department of Education Default Resolution on XX/XX/XXXX. First, on my XX/XX/XXXXcredit report, the accounts were re-aged which is a violation of the FCRA. The account status date changed from XX/XX/XXXX to XX/XX/XXXX this effectively extended the time that the accounts are to be reported on my credit report. Next, on my XX/XX/XXXX credit report, they are reporting a payment history that shows the same accounts went into collections on XX/XX/XXXX. This is impossible because my loans did not go into default until XX/XX/XXXX. The loans were not transferred to the US Department of Education Resolution until XXXX. They should not be reporting any information prior to that. Also, they are reporting that monthly payment on the accounts even though the accounts are closed. Not only is the information inaccurate, but it also contradicts what is being reported by XX/XX/XXXXOn my Equifax credit report, in the payment history, it is reporting XXXX dates for the collection : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Again, this contradicts what is being reported by XX/XX/XXXX and XX/XX/XXXX I contacted the Us Department of Education Default Resolution over 15 times in the span of XXXX years asking them to fix this issue. They told me that they can not fix the issue and that I needed to dispute with the credit bureaus. I've dispute with all 3 credit bureaus several times via mail, online, and over the phone but nothing has changed. I've been dealing with this issue since XXXX of XXXX and need this issue resolved.
Product: Mortgage

I bought my house in XX/XX/XXXX and I have had 2 payment increases one in XX/XX/XXXX for XXXX dollars a monyh and now in XXXX  XXXX for XXXX dollars a month because of escrow .The bank associate for mortgage gives no reason excrpt someone messed up.
Product: Student loan

My loan is from XXXX XXXX XXXX XXXX, CA for a XXXX XXXX XXXX XXXX certificate back in 2001. I could not do the XXXX required to get certified after completing the class. I was working full time single head of house so going parttime was not an option. I could not attend a XXXX offer for 4 hrs a day for a month to complete my certificate so I could not become a XXXX or XXXX. I however paid {$1000.00} cash and a loan for the rest like {$4000.00}. I have tried to make payments of {$50.00} as agreed upon a long while ago. I however was called by a lawyer who told me they could get 65 % off my loan amount removed ( I have 2 different loans totaling {$13000.00} estimate ). The cost was {$150.00} a month and could take 18 to 24 months. I went with them and they told me I could stop paying on my loans until it resolved if I chose so I stopped paying. I was told I would not get harassing calls by the lawyer but I still did every day sometime twice a day. After about almost 6 months I said forget it and dismissed the lawyer and began paying on my loans. By this time they said I went over my 260 day before it goes into default but I think I am a few days short. They would not hear it they just kept talking garnishment of my pay check. I had to agree to make large payments of {$310.00} on one ( XXXX ) and the Navient/XXXX of {$370.00} that I fell is a whole lot leaving no money for my other expenses. My big concern is with Navient who said they sold the loan to XXXX and that I was in default. I got a bill from Navient last month that says my payment is {$50.00} due in XX/XX/XXXX and when I was making payments to them I called and asked if I was behind on my payment and they said no. I am confused why they say I am ok but this XXXX said I am in default and set me up with these large payment that I had to agree to or have my paycheck garnished. I want to go back to paying my regular payment and be taken off the default list as I am not according to Navient in default. My name is XXXX XXXX and my contact phone is XXXX
Product: Payday loan, title loan, or personal loan

1. XXXX XXXX XXXX, XXXX, entered into a Business Loan Agreement Merchant Loan with XXXX XXXX XXXX through XXXX XXXX XXXX dba Quick Bridge Funding, with a guarantee from XXXX XXXX, and was purportedly granted a security interest in and lien against all of the Debtors assets. Pursuant to their provisions, the QB Loan Documents are to be governed and construed by the laws of the state of California. The Business Loan Agreement was for XXXX  XXXX XXXX XXXX to receive {$75000.00} ( QB Loan for {$75000.00} ) in funding with a pay back {$92000.00}. In addition to the QB Stated Interest, the Debtor was also required to pay an origination fee of {$2200.00} ( the QB Origination Fee ) to Quick Bridge. Although identified as fees the QB Fees are, in substance, additional interest under the QB Loan. The total cost of the loan being is then calculated at {$94000.00} or {$19000.00} more than the amount borrowed. This loan was to be paid back in 126 daily payments. Considering the 34.5 % of one-year term of the QB Loan, the effective QB Interest rate per annum is approximately 75.36 %. Although the Debtor was advised and expected to be entering into a loan with Quick Bridge, the QB Defendants, using the rent-a-charter scheme, originated and papered the QB Loan through XXXX, a federally-chartered bank. Immediately after funding, XXXX assigned the QB Loan to Quick Bridge. 
2. XXXX XXXX XXXX, XXXX has made 1 payment of {$2200.00} to pay the loan origination fee and 95 payments of {$730.00} and one payment of {$6100.00} for a total repayment of {$75000.00}. 
3. The interest of {$17000.00} was paid by XXXX XXXX XXXX, XXXX to QUICK BRIDGE FUNDING , LLC in the new loan for {$150000.00} and the {$17000.00} being held from the transferred amount. 
4. In connection with the QB Loan, the QUICK BRIDGE FUNDING , LLC charged a usurious interest rate under California law exceeding 7 %. California Code, Civil Code - CIV 1916.5 states, The rate of interest upon the loan or forbearance of any money, goods or things in action or on accounts after demand or judgments rendered in any court of this state, shall be XXXX dollars upon the XXXX XXXX dollars for one year and at that rate for a greater or less sum or for a longer or a shorter time ; but it shall be competent for parties to contract for the payment and receipt of a rate of interest not exceeding XXXX  dollars on the XXXX XXXX dollars for one year and not exceeding that rate for a greater or less sum or for a longer or shorter time, in which case such rate exceeding XXXX dollars on XXXX   XXXX dollars shall be clearly expressed in writing. 
5. The QB Loan documents do not clearly express in writing that the interest rate will exceed XXXX dollars on XXXX XXXX dollars. 
6. The interest rate for the QB Loan for {$75000.00} was 75.36 % or {$19000.00}. If using the maximum interest allowed pursuant to California Code, Civil Code - CIV 1916.5 of 7 % this would be an interest charged of {$5200.00}. This is a difference of {$14000.00}.
Product: Credit reporting or other personal consumer reports

I CONTACTED XXXX XXXX XXXX AND TOLD THEM I DID NOT HAVE A LOAN WITH THEM AND THEY SAID THEY WOULD REMOVE THE LOAN FROM MY CREDIT FILE AND I WAS NOT RESPONSIBLE. I CONTACTED XXXX XXXXXXXX XXXX XXXXXXXX AND TOLD THEM IT WAS FRAUD AND ASKED FOR THE DOCUMENTS FROM THEM AND THEY HUNG UP THE PHONE, THEY HAVE POLICE REPORT SHOWING FRAUD. I CONTACTED NC CHILD SUPPORT AND TALKED TO A SUPERVISOR AND TOLD THEM HOW CAN I HAVE A CHILD WHEN IVE BEEN OUT THE COUNTRY FOR THE LAST 10 YEARS ON XXXX. 
I CONTACTED US BANK AND TOLD THEM AND ASKED FOR THE DOCUMENTS OF THE LOAN THEY SAID I HAVE AND SENT THEM A FTC REPORT AND POLICE REPORT AND THEY STATED THEY WOULD REMOVE THE FRAUD ACCOUNT FROM MY CREDIT FILE AND REMOVE EVERYTHING FROM THE TRADE LINES AND I WILL NOT BE RESPONSIBLE FOR ANYTHING.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax confirmation # XXXX is reporting the following fraudulent inquiries. 

XXXX XXXX XXXX dated on XXXX XXXX, 2023 XXXX. XXXX XXXX, dated on XXXX XXXX, 2023 XXXX. XXXX XXXX XXXX, dated on XXXX XXXX, 2023 XXXX. XXXX Bank, dated on XXXX XXXX, 2023
Product: Credit card or prepaid card

On XX/XX/XXXX, I had a Chat conversation with a rep and told him to cease contact I do have screenshots and can send them to Capital One 's Legal Counsel Via email when contacted, I also contacted capital one via email on XX/XX/XXXX, same herein to cease contact. Capital One continued calling, emailing, and mailing collection attempts! Violating the State Law Common Law tort Invasion/Right to privacy law, PA Criminal law under the PA constitution harassment by written communication as the was no legitimate purpose to contact me as I ordered them to cease and desist and still received emails, mailings and calls! On or around a week ago I also submitted info in their legal dept portal and still haven't heard back! I also unsubsrived to all emails and am still receiving promotional offers via email to date!
Product: Debt collection

The company Harris and Zide and it's affiliate or partner XXXX XXXX  has attempted to contact me multiple times about a debt that has been in dispute. I have received numerous letters as well as phones calls during the time of a dispute. During the period of a dispute the collection agency or their affiliates are supposed to send validation letters validating the debt since the account has been disputed for identity theft. They have failed to provide this information of the charges or anything validating the debt and continue to contact me. 

Per CFPB and FDCPA : '' The CFPBs Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act ( FDCPA ) became effective on XX/XX/XXXXXXXX XXXX XXXX " You have 30 days to dispute a debt or part of a debt within 30 days from when you first receive the required information from the debt collector. Once you dispute the debt, the debt collector can't call or contact you to collect the debt or the disputed part of the debt until the debt collector has provided verification of the debt in writing to you. Your dispute should be made in writing to ensure that the debt collector has to send you verification of the debt. '' I have disputed this debt and have yet to receive any validation letter, the only letters I continue to receive are letters to attempt to collect the debt and now that it has been assigned to an attorney for legal action. 

The last letter I received was on XX/XX/XXXX stating the account has been assigned to Harris and Zide. As well as received a call from Harris and Zide on XX/XX/XXXXXXXX  at XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX of Inquiry XX/XX/2019 XXXX-Date of Inquiry XX/XX/2019 XXXX-Date of Inquiry XX/XX/2019
Product: Credit reporting or other personal consumer reports

I have sent a letter to all the credit bureaus to let them know the information on this XXXX XXXX XXXX account is incorrect and needs to be corrected or removed. The XXXX XXXX XXXX account needs to be corrected. I also have told them I am the beneficiary of this XXXX XXXX XXXX  account and information being acquired from this account are incorrect under the XXXX codes and their duties under the XXXX 's Law and CFPB laws as well. I have found myself as the beneficiary of this account and need the account clear and correct due to the XXXXXXXX XXXX XXXX XXXX  ; one can not demand a certain form of currency that they want to receive if it is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and As the beneficiary of the account in XXXX XXXX XXXX 
I upload information companies I did not get anything and these companies and the credit agency did go XXXX things that was not able to opt out of the application and made notes or bonds that was sold international to create a form of money. I am to not got any of this fund that they have been sell my trust account information in the country or on the stock market Without prejudice and without recourse and no recourse
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 proces 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 O ( 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 proce 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 redres for these violations.