23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Every time Square processes a credit payment it sends a receipt to a mobile phone not associated with me. The person who receives my receipts has contacted me to inform me of the issue. 

I have contacted Square XXXX times and each time have been told the matter is resolved. It is not. Furthermore, since I do not have a direct relationship with Square it is EXCEEDINGLY difficult to contact someone to help with this. Each time Ive succeeded in reaching someone the same outcome results : Im told the problem is fixed and yet its not. 

It seems that any data collecting payment processing entity should be deemed to have a direct customer relationship at the point where it makes an association with that customers data. And should therefore be required to maintain an accessible customer service capability that gives said customer ( me ) the ability to correct mistakes. 

It can not be acceptable that Square can continue to associate my spending data with a mobile phone that has nothing to do with me. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
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Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX  when this account was opened and I have tried to contact the lender about this account with no assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working diligently on my credit health in order to be able to enjoy my life more and take more pride in my personal finances. I was never taught the importance in having good credit, and I'm hoping to learn enough and pass it onto my XXXX young adult sons and daughter, who's just beginning their credit journey. 
I had worked on my credit reports and scores, I had my FICO scores in the high XXXX 's and my XXXX scores in the low XXXX 's. Last XX/XX/XXXX, TransUnion dropped my score XXXX points, then XXXX nor XXXX decreased not even half or a third of what Transunion drops. In XXXX, I called TransUnion and asked to speak to a manager and ask why did my score dropped so much. She looked at my report, and said that XXXX XXXX looks like a new account was opened. I looked, I said no, I have XXXX auto loan through XXXX XXXX. I researched it, and XXXX XXXX changed their format of the account number, nothing more. And I WAS PUNISHED FOR SOMETHING THAT WASN'T MY DOING!. It took several months before Transunion was aligned more fairly with XXXX and XXXX. It happened again more recently. Transunion dropped me XXXX points on XXXX XX/XX/XXXX, when XXXX decreased me XXXX points XX/XX/XXXX. Because my credit utilization went over 50 % on XXXX or XXXX credit cards, I'd been keeping them below 30 %. I was financially strapped, I'd had XXXX XX/XX/XXXX, XX/XX/XXXX, and my workroom was affected. I had to buy gas and groceries with a few credit cards since I had no available cash. Now it's XX/XX/XXXX and my utilization is lower than it was before, and I've had increases in my credit limits, and my Transunion score remains XXXX. Something is going horribly wrong with that privately owned business that it appears that they drop you a XXXX points overnight but when you rectify it, TransUnion lets the increase creep up. Because of TransUnion, I wasn't about to get XXXX XXXX in order to have my senior sheltie taken care of. I couldn't afford what he needed. I don't care what anyone else says ... Transunion especially is NOT for the consumers rights and investigates fairly. I read so many complaints against all credit bureaus, but especially Transunion. Having my scores drop so suddenly and without a real explanation... I feel like an utter failure in my life. This is how important it is to me to be able to have my finances at a point where my XXXX kids won't be depleted when I XXXX.
Product: Credit card

Making sure payments are always on time, I've never encountered delays on this account. I'm uncertain why there are indications of late payment remarks on my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act The list of Accounts below have Violated my Federal Protected Consumer Rights to Privacy and Confidentiality under 15 u.s.c.1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A States i have the rights 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 instruction 15 U.S.C. 1681 ( A ) ( 5 ) Section states 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 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: Debt collection

XXXX XXXX charged off my credit account and then sent it to collections. Now Midland credit is threatening me with a letter saying they are going to talk to an attorney in my area.
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 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 XXXX financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

This concerns my existing mortgage loan with Cornerstone Home Lending. 

I have asked two questions : 1 ) Why does my Truth in Lending Disclosure reflect an interest rate of 3.475 % APR, yet my loan note reflects an interest rate of 3.875 %. The interest rate on the note, plus the cost of obtaining the credit should be equal to the APR. So the note rate should not be higher than the APR rate. Please show me the math.
2 ) Based on the loan history amortization schedule I downloaded from Cornerstone 's customer account, web base access portal, Cornerstone is charging me interest on a 360 days basis instead of a 365 days basis. I understood this was a standard type consumer mortgage product, based on a simple interest calculation. I can not find any disclosures in my loan documents stating this interest rate is calculated on a 360 day basis. The difference in interest is material over time. 

The excel sheet includes an example of the interest rate for XXXX, XXXX and XXXX of XXXX. The tabs at the bottom are different work sheets one for 360 days, directly from the web site ; one for 365 days, the third for 365 days and the 3.475 interest rate. 

Thank you,
Product: Credit reporting or other personal consumer reports

I submitted a dispute with the credit bureaus about an account that is not validated. The company still did not validate the account and the credit bureau is still reporting the account on my credit report. It has been over two months.
Product: Credit reporting, credit repair services, 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. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.
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: Consumer Loan

Paypal Credit is requesting a high minimum payment, well over XXXX, I do not have exact amount available to me. They refuse to lower amount, will not work it out. They claim they have offered a payment arrangement but have not received any such offer. Even so, an arrangement does not lower the payment amount due, rather sets up future payments, does not waive any fees related to over limit/past due balance. Calls have been made, which they conveniently have no record of, to lower payment amount. The calls is transfered to collections who are more interested in just getting any kind of payment rather than lowering amount due. Its a shame they are not more cooperative as they will need to lower payment amount due if they wish to see any kind of payment at all. I understand they have referred account to a collection agency, this also applies to them as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2020 ) I wrote to Experian and XXXX  about inaccurate accounts on my credit report and still haven't received any investigation results back. Today XX/XX/2020 makes a full 30 days and from what I know they have 30 days to do an investigation.
Product: Credit reporting or other personal consumer reports

I recently received my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that i was in fact paid on lime. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/24. 

l 'm now requesting you Investigable and provide verifiable proof with records showing that I had late pavements. If this information can not be verified, I demand these payments be updated to paid on time immediately. I thank you in advance for your understanding and prompt attention I trust you will give this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple inaccuracies on my credit report. I believe these entries have not been properly investigated as required under the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to conduct a reasonable investigation when a consumer disputesT information. 

As you may be aware, the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX for failing to conduct legitimate investigations into consumer disputes. This action reflects a concerning pattern of noncompliance and negligence, which directly undermines the integrity of the dispute process. 
Below is a list of the items I am disputing : XXXX WORLD ACCEPTANCE  - XXXX, XXXX, AND XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX INQUIRIES XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX WORLD ACCEPTANCE  - XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX WORLD ACCEPTANCE XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I demand that these items be removed immediately unless you can provide clear, verifiable evidence that they were properly investigated and validated in accordance with federal law. Failure to comply with your obligations will be considered a direct violation of the FCRA, which provides consumers the right to accurate credit disputes. 

Additionally, please be advised that I am prepared to take further legal action to enforce my rights under the FCRA. This may include filing E complaints with the CFPB, the Federal Trade Commission ( FTC ), and pursuing a lawsuit to seek damages for non-compliance. 

I expect your full cooperation in this matter and require written confirmation of the actions you have taken within 30 days of receipt of this letter. Failure to respond appropriately will leave me with no choice but to escalate this issue further. 
Enclosed, you will find copies of all relevant documentation to support my dispute.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to DELETE a portion of the data in my credit document ; notwithstanding, there are still a few records that require DELETION. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX, VA XXXX XXXX XXXX Inquired on XX/XX/XXXX.
Product: Debt collection

I 've been battling with this company for the last year to get negative and fraudulent account off my credit report. I 've Called this company and asked what they needed.. I 've called police, the id.gov place. I guess chooses who and when to help a consumer. I need to get this resolved bc my family needs to move and this account and some lates are killing my credit. Please see attached evidence and I have more and can upload if needed. I 've learned so much about the laws and how to protect yourself.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Dear CFPB, I have tried to work with Experian about the credit information they have complied of me. They are reporting inaccurate information about me to others. 
After receiving a report from the credit bureau, I mailed them a credit dispute shortly thereafter on XX/XX/XXXX, XXXXthat enumerated various errors and inaccuracies that I found in the report. I included copies of my identification information in that mail request. 

I did receive acknowledgment correspondence of that dispute request ; however, after pulling a new report from themI still see items that are inaccurately reflecting on my credit report with them. 

I have attached the most recent report I could get, in this complaint, of all the issues I found of my credit report. They are reporting inaccurate information of me to others. 
Experian is causing me great harm. 

I would like for them to reinvestigate these items being disputed, have them collect the names of the specific people that are verifying this information to be accurate and provide me the supporting documentation of that claim that shows those are items are in fact mine. 

Any business can create invoices for any amounts they would like and make a claim that such amounts are owed to them ; as such, I demand strict proof to be provided in order for the disputed information to remain on my credit profile. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Incorrect Employers XXXX XXXX XXXX XXXX XXXX - Incorrect Address XXXX - Incorrect Address XXXX XXXX - Incorrect Name
Product: Credit card

Discover opened and charged off my card in the same year of 2019 that's fine but it has been on my credit report for XXXX years. Negatively impacting my credit score and chances at my unlimited credit. 
Charged off accounts can not be on my report for several reasons. 
-it is inaccurate reporting once charged off report positively or remove from credit. there is no reason for them to keep reporting negatively on my corporation. that illegal -charged off is a XXXX certificate of indebtness which means it is reporting as income, and income can not be on my report. correct me if I'm wrong, i am not an attorney. it needs to be removed immediately. 

The company was already paid, they are greedy and want to be tendered again, when they received their write off already. 
I want the 1099 B they filed on me too. 

They are so greedy and im sick of it. 

This company already went to court over ATTEMPING to collect on a charged off debt. 

they lost and the judge even said they reject them collecting on a charge off because its a benefit of the tax deduction of bad debt. 

I have suffered injuries as Discover has been reporting falsely on my account to all XXXX reporting agencies. They damaged and ruined my credit by reporting " non payment '' knowing they received a write off. " internal credit " they never reported my account to XXXX
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. 

XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$2200.00} XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

I obtained my credit report and discovered multiple errors. I send a letter to Transunion stating I was disputing a Bankruptcy on my record. The first letter that I sent was on XXXX/XXXX/XXXX and it was signed for on XXXX/XXXX/XXXX. I received a letter back stating they had " verified '' this using a third party ( XXXX ). I sent a second letter on XXXX/XXXX/XXXX and it was signed for on XXXX/XXXX/XXXX, stating that I was requesting the information that they used to " verify '' the bankruptcy. Again, I received a letter saying they verified this information using XXXX, but did not prove and documentation to me as verification. I mailed my third letter on XXXX/XXXX/XXXX and it was signed for on XXXX/XXXX/XXXX. I called Transunion and asked to speak to a supervisor in dispute. Again, I was told that the information was verified and I was denied any proof when I requested to have it sent to me. 
My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Transunion Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 
The Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). 
Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 
I have given Transunion multiple attempts to follow the laws and even called them so I could discuss this with an actual person. Any help in this matter would be greatly appreciated.