23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XXXX of 2023, I called to change from the XXXX plan to a standard repayment plan. I chose the XXXX plan because I was advised to by colleagues and it was promoted on the site ( " Need better payments, choose XXXX XXXX '' ). They did not tell me what the new cost would be. My payment went from {$150.00} to {$670.00} a month, beyond what I could pay. 
I called multiple times and their wait times were extended XXXX hours after the time I called, past their open hours, and when I left my number I did not hear back. When I got a hold of them I was told ( in XXXX ) that I could change back and that it would happen by the end of the day or within 10 days. It did not happen. I called back in XXXX and they said it took up to 45 days. When I asked why they said they were behind on processing. I was then told that it would change " any day now. '' Same conversation in XXXX. I called XXXX and they told me it would be put on an emergency path and would be taken directly to a manager to be changed and the balance of my account would be adjusted to my previous payment ( The first person told me this was impossible ). Each time I've talked to someone I asked to be emailed a record of our conversation and they've refused. The chat service does not lead me to information so there is no written record. It is now XX/XX/XXXX. I just talked to someone and they told me it would be done by the end of the week but no clear date or manager to talk to or reason to believe this time would be different.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to REMOVE these inaccurate items in my file.

XXXX XXXX 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: Mortgage

I have a Home Equity Loan Account that has been Reported as Charged off, but the Bank has filed a Certificate of Satisfaction with the Deeds of Record in response to a law suit filed XX/XX/XXXX, I had XXXX before the Complaint was heard and had n't been made aware of the Document filed until it was brought to my attention during or after an Adjudication of my Security Clearance with DoD while I was XXXX in XXXX in XXXX. This has been reported adversely since XX/XX/XXXX and the balance was paid since XX/XX/XXXX, I was sent a Waiver for this XXXX account on XX/XX/XXXX, but it was sent the property address in XXXX North Carolina, and I never received it. I am not going to sign any waiver for this XXXX account, because I have been trying to get the SCRA Violations resolved for almost 10 years now, so I do n't know why Bank of America has suddenly decided to send me this waiver for a Settlement with the DOJ on XX/XX/XXXX. I was n't able to proceed in the Court case, because on XX/XX/XXXX I was issued Mobilization Orders to XXXX to XXXX and was n't apart of any of the DOJ cases for SCRA, but have been dealing with the backlash ever since. I have had to document every account filed adversely for the past 10 years as part of the Adjudication for my ability to maintain my Security Clearance, but now the issue is why I have n't been apart of the DOJ Settlements involving my accounts ... I had n't contacting the DOJ and they have n't been in contact with me, until recently ... but I simply want the adverse information removed permanently and a written response from Bank of America stating that it has been removed.
Product: Debt collection

I have received no communication on this debt whatsoever. This debt has been paid twice. It was discharged in my bankruptcy and was also paid off again 2 years ago, which I had to do to be a current XXXX account holder. I am requesting this company validate this false debt and remove it off my credit report until it is proved valid. I have disputed this debt with 3 different companies and no one has been able to validate it, since its not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

XXXX sent me wrong item, took the item and then told me there was nothing I can do. So I went to my credit card company " citi '' and they sided with XXXX because XXXX told me to send nothing to my credit card company " they would not give me proof ''. XXXX also said they received the product and will be refunding me but haven't yet because now it is on infinite loop for " item being sent back '' ... Then proceeds to ghost me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX . Customer Service XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX I received an unexpected E-mail from this company notifying me that my credit limit was suddenly and without prior notice reduced due to a company review of my account. My account was reduced from a remaining credit line limit of {$1900.00} to within {$100.00} of my balance. Their action brought my account now to within a maxed-out range. I spoke to one of their managers on the phone shortly thereafter and she confirmed this change. She was not able and/or not willing to undo the changes. She stated that the decision was based on a review of my credit report with XXXX   XXXX. Upon checking my credit report with XXXX  I did not find anything negative. Therefore, their actions to unfairly reduce my credit limit has no basis to justify it and I deem it discriminative and predatory. Because of XXXX bank 's action it will now have a direct negative effect on my credit ratings .The company has accessed my credit report with a credit fraud and freeze alert feature .Resulting as a hard inquiry on my report and they did so without my consent or knowledge. I have been a customer of XXXX bank since XXXX. I have not once been late with a payment .. As a result of their discriminative and predatory actions and without prior notice to me. My credit score has now been lowered by XXXX points. I respectfully ask your office to investigate this matter fully. 

E-Mail from XXXX bank >Your revolving credit limit has recently been revised From : XXXX   XXXX To : Date : Wed, XX/XX/XXXX XXXX XXXX Security Zone : Dear XXXX XXXX : There was a recent review of your account and credit information. As a result, we have revised the credit limit to {$4700.00}. This decision was based on the information obtained from a consumer reporting agency. Specifically, your credit report indicates a substantial number of debts owed to other creditors. Your current account balance is {$4500.00} We're online Please visit XXXX XXXX to view your current account information. If you've enrolled in Electronic Communications, please check the XXXX XXXX for more information. Otherwise, a letter has been mailed to you and should be received within the next 7-10 days. This is the most up to date information available to our credit specialists. If you believe your credit limit has been reduced due to inaccurate information on your credit bureau report, and such inaccurate information has been corrected on your report, please visit XXXX XXXX within the next 60 days to see if you qualify for a credit limit increase. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Bank account or service

complaint of double standard : I have over XXXX XXXX XXXX of dollars deposited in checking account and got no interest. But Chase bank charged me a late fee of {$25.00} for overlooking a payment due date. On top of that it charged me a {$9.00} interest. XXXX on {$25.00} translated into a rate of interest 40 %. This is abusive and excessive.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I mailed a letter about inaccurate accounts showing on my credit report and requested an investigation. It has been 6 weeks and I still havent received a response and these accounts are still showing on my credit report!!
Product: Credit reporting or other personal consumer reports

I have been trying to improve my credit and have worked with XXXX XXXX previously this year and now have been using XXXX XXXX to remove inacuracies. There are 2 lines of collection accounts I have disputed with XXXX and XXXX directly along with XXXX XXXX on both collections they are all from Portfolio Recovery Services. I have requuested documentation and proof of debt on these collection accounts or that they were associated to me, each time each of 2 collections are always updated saying consumer disputes and they verified information, but I never receive proof or information on the debt. They have never verified any infomration with me. I have not contacted them directly due to the fact that I do not want to give out any of my personal information when I have never received anything from Portfolio Recovery Services physically showing what it is they are trying to collect for or even who they are? They also keep reporting both with new dates opened as if they are new. They will not send me proof of the debt. I have disputed as many times as I can through XXXX and XXXX, I can not dispute any more the information below is all I have from the credit reports. I have been disputing and requesting documentation from the beginning of this year XXXXIt has been way over 30 days for them to respond to anything. XXXX, XXXX, XX/XX/year> were the most recent disputes to no avail. 
XXXX ) {$1800.00} Portfolio Recovery XXXX ) {$2900.00} Portfolio Recovery
Product: Credit reporting, credit repair services, or other personal consumer reports

I had hard inquirys I did not authorize 1.XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX. XXXX XXXX XXXX ( Finance ) XX/XX/2022 3. XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 4. XXXX XXXX ( Retailer ) XX/XX/2022 5. XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 6. XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 7. XXXX ( Construction ) XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
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 for these violations and stolen personal information.
Product: Money transfer, virtual currency, or money service

US Bank is unlawfully denying me access to my held funds and my ability to make a wire transfer. 

I have been a longtime US Bank customer. My wife and I are purchasing a house, and a part of that required an earnest money payment to be made via wire transfer into an escrow account. 

I attempted to make the wire transfer via US Bank 's online system, correctly submitted all of the information, and got a confirmation that the wire transfer had been sent. Hours later, I got an email from US bank indicating the transfer had not been sent, and when I tried to log in to my account my online log in had been disabled. 

After a long time on the phone, US Bank told me that, while the information had been inputted correctly, their automated system designated the transfer as fraud for reasons they would not disclose to me. They claimed they had tried to call me but they did not and my phone records show no incoming calls. After a long conversation, US Bank indicated that the automated system makes it easier for them to deal with fraudulent transactions, but their convenience prohibited me from accessing my money. 

By the time I spoke with them ( due to their delay in communicating with me ), it was too late to initiate another wire transfer, so the home sale likely will not go through.
Product: Mortgage

Dear CFPB. Plaza HOme Mortgage is cheating on you.concerns XXXX.This is first time when i asked them about out of pocket PMI.They never gave mi answer.I think that Plaza Home Mortgage sending you false information about This complaint appears to be about the same issues as your earlier  complaint..This is lie. 
I would like to know why plaza home mortgage put my PMI {$3100.00} as finananced and added to total mortgage loan.The Pmi {$3100.00} is included in closing cost and can not be added to loan but should be substracted.. 
Plaza Home mortgage this is fake gompany and lie a lot.
Product: Checking or savings account

On XX/XX/XXXX I noticed some unusual activities on my checking account where my debit card ending in XXXX was used. The transactions in questions are : XXXX XXXX {$67.00}, XXXX- {$22.00}, XXXX XXXX  {$59.00}, XXXX XXXX XXXX, XXXX XXXX XXXX. There were also some other charges were someone called and had some of my previously paid transaction reversed. My account has been compromised and I also filed a complaint with the FTC ( Report number : XXXX ) and CFPB ( XXXX ) after I got over some of my embarrassment. Both of these report were filed on XX/XX/XXXX. On XX/XX/XXXX Chase bank reversed the credit and is charging me for these fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Certified Dispute LetteXXXX to Equifax XXXX XXXX # XXXX XXXX and it was received on XXXX XXXX XXXX XXXX days have passed and I haven't received any response from Equifax. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX Balance {$0.00}
Product: Checking or savings account

On XX/XX/2023 I transferred my monies from one savings account at Capital One to the 360 savings account also at Capital One. I then tried to add my daughter as joint account holder ( who was a joint account holder on the first savings account ) and designate my beneficiaries. I talked to two different customer service reps at two different times and they could not help me until I added my cell phone number so they could verify my identification. I did that and the phone number was added to the account on XX/XX/2023. When I would go online to add my daughter, it would not " recogniize '' my phone number, with a list of reasons for that happening, and direct my to call an XXXX number. I have called this number several times now and every customer service rep has tried something different and can not get this resolved. 
I have been to the XXXX downtown branch of " Capital One Cafe '' on three different occasions to talk to a service rep in person and they can not help me. 
This last attempt was on XX/XX/2023. I brought my daughter with me, my id and my cell phone They sent me a verification to my cell and they viewed my id, and pulled my my account on their laptop. I showed them the screen online where it won't take my cell phone for verification and it directed them to call the XXXX number. They did so. I am sitting right in front of them with my ID, my cell phone and my daughter with her id and they still can't help me get my information added. The last thing the service rep said was that the cell number needed to be in their system for 30 days before they could add my joint account holder and beneficiaries to my account. 
What? Is this even legal? How can they make me wait to put pertinent information on my account? 
I am XXXX years old and this has caused my considerable distress and loss of sleep for over a month now. I want to know that if anything happens to me, my daughter can access my account for any emergency that arises
Product: Credit reporting, credit repair services, or other personal consumer reports

I received information from XXXX  that my information was breached. In viewing the credit report, there have been 20 inquires that was not authorized and two accounts open. I have filed a a report with XXXX and attached is the report with claim number. 

False Inquiries were : XXXX ( 2 times ), XXXX/XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX ( 3 times ), XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX. 

Accounts Opened : XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not allow me to check my disputes
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no understanding why Exeter Finance is being aloud to violate my FRCA rights. In XX/XX/2018 Exeter Finance Corp reported a payment to XXXX  this account is a charge off so how was a payment made? Where is the receipts? whose making payments?. And while an account is being disputed it is my understanding If you dispute the debt, the debt collector can not report it to a credit reporting agency unless and until it verifies the debt. If the debt collector has already reported the debt ( before it received your dispute letter ), it must notify the credit reporting agencies that the debt is disputed. After verifying the debt, the debt collector can report it, but only as a disputed debt. 

A debt collector violates the FDCPA and the Fair Credit Reporting Act if it reports a debt that it knows, or should know, to be false. 

This has happened to me mulitple times and I am tired of it. Please help me in fighting this. See attached letters where I disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Duties upon notice of dispute from a consumer reporting agency Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) This section requires that whenever a person, such as a financial institution, receives a notice of dispute from a consumer reporting agency regarding the accuracy or completeness of any information the person provided to a consumer reporting agency pursuant to Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information. b. delete the item of information. c. permanently block the reporting of that item of information. 

XXXX XXXX XXXX is reporting inaccurate information on my XXXX credit report. I have requested numerous investigations into this matter, one as recently as XX/XX/2023. I have not received any communication regarding this matter which is a violation of the law mentioned above.
Product: Debt collection

I believe Atlantic Recovery Solutions called my step mothers cell phone on XX/XX/2020 saying they had a business letter they needed to send me however did not identify who they work for and apparently have my cell phone number as they text on XX/XX/2020 me saying they had a legally required notice they sent to me which I have not received.
Product: Credit card or prepaid card

Im being told that I owe XXXX for a card Im very unaware of The card was opened back in XXXX of XXXX  Also shows a secured loan and a bank account that was used as well Where withdraws and deposits were made I just settled the same case with XXXX XXXX which I did not have at all but it finally got closed after 3 months of me being told my info was verified