23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Greetings, Initially this was a hospital debt my wife and I paid off. We can't find this in our records as of yet, so the next concern became ... When did this company XXXX notify us of this debt? On what date did they attempt to collect the debt? What was our response, because it would have been paid? We can't pay off a debt if we received no notification or there was no attempt to contact us or who we would need to contact. I am requesting documentation of these efforts and information. 

This should include dates, documents, address and phone numbers utilized for collection. Notes on account of any contact with me and the result of that contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I'm trying to correct the inaccurate, incorrect and misused information on my profile multiple times. This company is refusing to fix anything and they claim it's been verified. I've asked for proof of verification, nothing has been given. I have shown proof of false information and no response.
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 caused significant inconvenience and financial loss, and I seek appropriate redress of those violations.
Product: Debt collection

I received written communication from XXXX XXXX XXXX XXXX   about an outstanding New Jersey toll violation in earlyXX/XX/XXXX. I disputed the debt because I had an active and funded XXXX account at the time of the validation. I even have proof the account was active ( XXXX XXXX transaction history ) of the valid account less than 1 hour before the alleged violation. I have sent two letters of dispute requesting a validation of the debt via registered mail and received the return receipt but I keep getting collection notices. I assume there was a technical issue with the New Jersey XXXX XXXX system which prevented it from correctly reading my transponder during our trip last summer. The New Jersey toll authority did not request payment from my valid and funded XXXX XXXX account and did not notify me of the outstanding toll and sent the minimal amount to collections.
Product: Credit card

I have been trying to pay my balance of {$8.00} and cancel my Macys credit card and every attempt is either blocked or disconnected. I have also been advised that I now have XXXX Macys credit cards, though I only signed up for XXXX. 

When I attempt to access either account online, I am told my log in information is incorrect. The system will not let me reset my password. 

When I contact Macys by phone at XXXX XXXX XXXX, XXXX XXXX XXXX, and at XXXX XXXX, the call drops right after I enter my account information, or the representative hangs up on me. 

I am not sure how I can pay my balance/close my account if I ca n't reach anyone.
Product: Checking or savings account

XXXX XXXX I received a check from XXXXXXXX XXXX XXXX XXXX XXXX due to the fact Im a landlord and my tenant cant pay her rent. I deposit a check from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX chase decided to restrict my account on XX/XX/XXXX they notify me that the check was going to be held for 15 days as of XX/XX/XXXX to check has been released funds are available Chase is still just holding the check for their discrepancy. I have been all around to several banks to try to get this issue handled Chase wants a verification from the maker which XXXX XXXX XXXX XXXX XXXX already released the funds the funds is available I have also went to XXXXXXXX XXXX which XXXX XXXX XXXX XXXX bank with XXXX even said that Chase has the money they are just holding it for no reason
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account : XXXX XXXX XXXXXXXX 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Contacted XXXX card  fraud dept and the fraud claim was withdrew account number ending XXXX and I spoke to the lead fraud investigator and she refused to assist me and wouldnt put this secured credit card back on my credit file with Experian and XXXX  and it was blocked on the credit bureaus end by error and Im trying to get this account reinserted back to my credit file and XXXX   refused to do so ... the account number is XXXX XXXX secured card with a XXXX limit ... ..is not being reported to Experian and XXXX  credit file and I need to have it back on there so I can add history to my credit file
Product: Checking or savings account

I received funds from the SBA on XX/XX/XXXX for an approved, executed and funded EIDL loan. The funds were placed into my checking account at TD Bank. On Saturday XX/XX/XXXX I discovered my checking account and bank card was blocked/frozen. I called the bank and was referred to the " Fraud Dept '' which did not answer the phone on Sat XX/XX/XXXX nor today Sunday XX/XX/XXXX. 

I was also told to visit a branch which I attempted to do. The branches are closed and accessible by " Appointment Only '' yet yesterday despite numerous calls to multiple branches, NO-ONE picked up the phone.
Product: Credit reporting or other personal consumer reports

Please remove old addresses. They are unmailable. 



According to the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ), there is a need to ensure that consumer reporting agencies exercise their significant responsibilities with fairness, impartiality, and respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies, and I am the consumer. I have the right to ensure my private information is not shared, as backed by 15 USC 6801, which states : " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' A furnisher of information to credit agencies is defined as a financial institution under this title.

According to 15 USC 1681, Section 604 ( a ) ( 2 ), " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Neither XXXX, XXXX, nor the furnisher of information to credit agencies have my consent to furnish this information, and they certainly do not have my written consent. Therefore, any consent previously given, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) states that " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The furnisher of information to credit agencies never informed me of my right to exercise my nondisclosure option.

Additionally, 15 USC 1681c ( a ) ( 5 ) states : " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. '' This account is an adverse item being reported without my permission. 





Please Provide me with the address to send my Notice of Demand
Product: Credit reporting or other personal consumer reports

My vehicle lease ended, I returned the truck and all payments were finalized. After many months I received a notice that my pending balance was going to collections. XXXX XXXXk never notified me of an outstanding balance, this dropped my credit score over XXXX pts. 15 years of good credit history and XXXX credit scores ruined from lack of communication from XXXXXXXX XXXX. The balance was paid immediately after notification of the charge off and should be rectified on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 negative accounts reporting with Navy Federal Credit Union. The accounts in questions will be attached to the following CFPB complaint. There are multiple payments reporting late on three different accounts. The late payments being reported was reported during a period of being on XXXX XXXX military and being XXXX. This falls under SCRA. Please review the following attachments and correct the following late accounts to paid on time.
Product: Credit reporting

Had fraudulent charges made on card. Disputed with bank, and they have removed charges. Account balance now XXXX, but still being reported overdue with an outstanding balance by Transunion.
Product: Credit card or prepaid card

On XXXX XXXX, 2017, I went shopping at TJX in XXXX XXXX, RI and when I was checking out, the woman at the register told me that TJX is converting all of its card holder to Mastercard and that they are offering an additional discount if I would do it right now at the register. I told her I did not really care about doing this now but she kept baiting me with " we are giving an additional discount '' and when I said I am fine with waiting for the new card to just come in the mail she said : " well, we have so many customers and that could take a very long time so why not get the additional discount on your purchase today ''? I finally gave in and she then asked me to put in all of my information on the machine and I told her " this is a soft credit pull, right? as I am a customer already. She said you already have the TJX rewards and we are just converting over and when you get the TJX MasterCard throw away the old card. However ; it was a hard credit pull and now I have TWO TJX CARDS ; the ORIGINAL CARD AND THE MASTER CARD AND I AM NOW GETTING TWO BILLS AND I AM NOT SUPPOSED TO SHRED THE OLD CARD. So, this is a CLASSIC BAIT AND SWITCH AND I WAS IN THE PROCESS OF A MORTGAGE APPLICATION AND WOULD NEVER HAVE DONE A HARD CREDIT PULL. SO TJX IS SAYING ONE THING AND SYNCHRONY BANK IS ISSUING THE TJX MASTER CARDS AND ARE NOT AWARE OF WHAT IS BEING PROMOTED ; EITHER THEY ARE OR THEY ARE NO UPGRADING ALL TJX MAX CARD HOLDERS TO A MASTER CARD ( LIKE MANY RETAILERS ARE ) OR THEY ARE SIMPLY LYING AND SYNCHRONY BANK IS NOT ISSUING ANY APPLICATION.
Product: Mortgage

I accidently made two mortgage payments in one month and CCO Mortgage refused to refund the additional payment. My position is that they received money from me that was not owed to them. They have no right to the money and should return it.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Product: Debt collection

Hello CFPB Staff, May you be well and safe. This is a two-part issue. 

( 1 ) I owed {$4300.00} to Chase Bank Card Services ( XXXX XXXX XXXX XXXX, DE XXXX ). My credit report indicates that this account was closed XX/XX/XXXX. However, I was actively paying this balance off through XX/XX/XXXX via my online Chase login. When logging on in XX/XX/XXXX to make a payment, I didn't see this particular account on my profile. Chase gave me no warning that they were closing this particular account. I called customer service and they could not give me a good reason and basically indicated that I was taking too long to pay. Therefore, I would like Chase to make this particular account active again and to remove any derogatory remarks from my credit report. 

( 2 ) On XXXX  XXXX, XXXX I made paid {$2100.00} to XXXX XXXX XXXX ( XXXX XXXX TEL ID : XXXX ). I think they violated contract law because at no time did they indicate to me that I did not have to do business with them. I felt stressed, pressured, and extorted as they said I had to choose payment option A or B. I did not know that I had option C, not to do business with them. But I did pay them and no derogatory remarks were supposed to be placed on my credit report concerning this particular account. Therefore, I would like XXXX to give me back my money or do what they need to do to make sure no derogatory remarks associated with this particular account appears on my credit report. 

I seek remediation and rectification. Thank you for your help with this matter.
Product: Debt collection

SUBURBAN CREDIT CORP XXXX XXXX XXXX XXXX, VA XXXX, they are reporting inaccurate information. This bill was paid in full I faxed the information regarding the payment receipt twice. I have called and spoke with XXXX several times and they are still reporting false information.
Product: Credit reporting or other personal consumer reports

i have been trying to remove these accounts from my credit report since last year. i did exactly what they told me to do and 6 months later im still working on it
Product: Checking or savings account

Today I contacted Navy Federal Security and once again they tell me my claim is denied. Yet they tell the FCC that they are still working on it. They have restricted my online access and my bank debit card and tell me I will never get this back. Yet, they will not accept nor request a police report that I have. They will not accept any documentation proving the local police have prosecuted the person who used my account. Navy Federal Security Investigators are by far one of the most unethical incompetent divisions known to man. They play XXXX with peoples lives and have no right to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I applied to the rate reduction program that XXXX  runs, where your interest rate is reduced. We scheduled payment transactions to be taken out of my account automatically every month. for the first 9 months I would pay around {$600.00} and for the final months I would pay closer to {$1200.00}. I was told that I was approved, but there was a clerical error and my account was never approved. I did not catch this mistake until XX/XX/XXXX. I had called them and filed a dispute. After talking with a manager, they realized that they had never pushed through my account to be approved even though the approval was in my account notes and log. They had been taking out the automatic payments even though they did not approve this account. After talking with the manager about this issue and they investigated it, I was approved for the program and was told that they would not report negatively to the credit bureau because it was a mistake on their part. I thought they followed through with this promise. However, checking my credit report today, they have reported negatively against me posting that I am 60 days past due. It has brought my credit score down from over 650 down to XXXX. I have been paying on time per the rate reduction contract. In the agreement, I was told that this would not impact my credit score. I plan on addressing this issue again this week with XXXX. They need to be held accountable for their agreements that they make. It is not ethical to tell a client that they will not negatively report you, but then turn around a negatively report you. I have already filed a dispute with the credit bureau XX/XX/XXXX.
Product: Mortgage

I applied for the Homeowner Assistance Fund ( HAF ) program with the Department of Economics and was approved. I notified my mortgage company Sun West Mortgage that I had been approved for mortgage assistance and had been approved. I sent the approval letter. On XX/XX/2022, my mortgage servicer Sunwest Mortgage Company received payment from HAF and on XX/XX/2022, my mortgage servicers return the payment to the sender. I have sent several emails and phone calls requesting the reason for this. I do not want to lose my home and am asking the company to not Refuse these payments. HAF has agreed to pay. PLEASE WORK WITH ME
Product: Credit card

Capital One does not put accounts legit information on your credit reports so when you pay your bill they still put you don't pay which messes with your credit report and then when you try to alert them of the issue they don't want to help
Product: Debt collection

I had no recollection of this debt with continental credit until I saw it on my credit report a few years ago. They never reached out to me, yet, they kept accruing interest on my account with them. I called them and asked to pay the original amount owed. They refused. I told them they never contacted me. After that, still never received contact and two years later I call again trying to rectify wanting to pay original balance since it was unbeknownst to me I even had this medical debt. The rude woman refused, threatened. Said she didnt have to send me notices. I feel it is sneaky way of trying to over inflate a debt so they get more money when they never contacted me in the beginning when they first got the debt. How is the good business or fair practices. They are no better than a loan shark.
Product: Credit card or prepaid card

I tried to apply online for an American Express XXXX Business Card and received some sort of warning that I was not eligible for the bonus or welcome offer. This was on or near XX/XX/2018. 

I then called American Express and spoke to a customer service representative. She also received the same " pop up '', but she called the " back end ''. After speaking with them, she said I was in fact eligible. I then questioned her MULTIPLE TIMES to make sure I was eligible for the offer. She said yes -- and it was added to my account manually. This phone call was recorded and the CSR 's statements should be evident.

I have now met all the requirements and I am being denied the  bonus. I specifically asked multiple times before my credit was pulled and I am still being denied. This is by online chat on XX/XX/2018.
Product: Payday loan, title loan, or personal loan

I purchased an item from a retailer through affirm. The item was not received and I attempted the dispute the charge. I provided the necessary evidence to show that the retailer was at fault and that my loan should be refunded. However affirm has informed me that I must have documentation from the retailer stating that I am eligible for a refund. If The retailer had agreed to refund me there would be no need for the dispute. The process as been going on for 60+ days without affirm attempting to press me into paying for an item that was not received.
Product: Credit card or prepaid card

Per the attached balance transfer letter from XXXX XXXX  dated XX/XX/2022, Apple Card-Goldman Sachs Bank received payment of {$250.00} against card ending in XXXX. Of course, 9 days later, the Bank has been intentionally negligent in posting this payment. Obviously, this is intentional so that the Bank can earn additional interest. The CFPB should investigate the payment processing practices of this Bank, led by a " so called '' individual who thinks he is an aspiring XXXX.
Product: Student loan

I started schooling in XXXX XXXX at a private university- in order to pay for my education my parents ( mother, specifically ), co-signed on a private loan with Sallie Mae , with me as the primary borrower. During my time studying at XXXX College, from XX/XX/XXXX-XX/XX/XXXX, XXXX additional loans were taken out under the same borrower and co-signer, until I graduated in XXXX XXXX with an XXXX XXXX XXXX. After the grace period with Sallie Mae had ended, I was getting hit with large withdrawals from my bank account ( around XXXX dollars monthly ) that I was unable to keep up with, especially due to the fact that my cosigner is unable to help me make monthly payments. In XXXX XXXX I was finally able to negotiate lower monthly payments on the XXXX loans ( Sallie Mae refuses to consolidate ), I began to realize that these payments did nothing to affect the principal balance and was only covering their immensely high interest rates ( between 8-10.5 % on each loan ). I am looking to attain a reasonable rate that allows me to actually pay off over {$47000.00} in loans ( across XXXX loans ) in my name alone, since my co-signer is unable to pay.
Product: Money transfer, virtual currency, or money service

I sell Mattress of {$150.00} on XXXX market, a potential buyer ( scammer ) asked to pay by XXXX, and then I received an email from XXXX saying that since my account is not business account, I should upgrade it and let the buyer pay another {$400.00} to upgrade my account and then I should refund the buyer and email back XXXX the proof that I have already credited back the buyer, then I could get my {$550.00}. 

So I sent the buyer {$400.00} without getting any money back from him. Then I realized that this was scam. I called XXXX and they said XXXX was not their official email. I called my bank and they said XXXX transfer should be immediate and they could help with nothing. 

Thus Happened at XXXX on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 60 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 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 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