23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The Complaint is a follow up to complaint XXXX. The company failed to address my complaint in anyway. The company 's resolution response clearly demonstrates their failure to address my complaint. The Company 's Response : DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following Personal Information on your credit file. Below includes the actions taken : Address - UPDATED. MYCOMPLAINT WAS AS FOLLOWS : NOTICE TO DELETE ACCOUNT : Name Account Number : XXXX XXXX XXXX Date Opened XXXX. XXXX, XXXX NOTICE TO DELETE ACCOUNT TO WHOM THIS MAY CONCERN, PLEASE DELETE THIS CHILD SUPPORT, JUDGMENT ACCOUNT IMMEDIATELY Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ) Delinquent child support obligation is NOT a credit transaction. The Referenced court cases the Federal Cours have recently ruled on are as follows : 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 '' As a result, the courts found that collection of this account was not a valid permissible purpose to obtain or report a consumer report. All Credit Reports for collection of delinquent child support judgements, fines and liens may no longer be permitted. 15 U.S.C. $ 1681b ( b ) ( 1 ) ( A ) - the Certification Requirement. Please provide the following as an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : 1. A court order authorizing a consumer reporting agency to provide a consumer report, 2. A written authorization from the debtor to obtain a consumer report, or 3. Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law. Please respond to this deletion notice within 30 days to avoid further actions, deletion of this account will satisfy compliance. CC : Attorney General Office, FTC, XXXX Upon removal of the above referenced items. Please send me a copy of an updated credit report. Thank you,
Product: Student loan

Received a claim on XX/XX/2022 as part of a response to a complaint regarding a request for debt substantiation and their failure to provide substantiation on debt serviced by the same company, Firstmark Services, that separate debt also serviced by them that is paid up and current until XX/XX/2022 is listed as past due. This is despite the account having received a payment on XX/XX/2022 that was to bring the account current and another payment being rendered on XX/XX/2022 that paid the balance owed currently and future balances owed until XX/XX/2022. They claim, " we [ Firstmark Services ] must furnish your account data to the consumer reporting agencies. Under the Fair Credit Reporting Act, we [ Firstmark Services ] have an obligation to ensure data we furnish is accurate, '' while simultaneously and clearly providing evidence that they are currently misrepresenting account status in their notices and reporting system and due to this likely furnishing inaccurate information to those aforementioned consumer reporting agencies about other loans they are servicing at the same time.
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.

Didnt help me when I got scammed
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.DESPITE MY SUBMISSIONS, EQUIFAX CONSISTENTLY RESPONDS WITHIN XXXX HOURS STATING THE ACCOUNT IS ACCURATE, WITHOUT PROVIDING ANY EVIDENCE OF A THOROUGH INVESTIGATION.THIS PRACTICE VIOLATES THE FAIR CREDIT REPORTING ACT ( FCRA ) ,15U.S.C . 1681i, WHICH MANDATES A RESONABLE INVESTIGATION OF DISPUTES.FUTHERMORE, EQUIFAX ACTIONS MAY ALSO CONTRAVENE THE CONSUMER FINANCIAL PROTECTION ACT ( CFPA ) ,12 U.S.C. 5536 ( a ) ( 1 ) - ( B ), as HIGHLIGHTED IN THE CFPB RECENT ADMINISTRATIVE PROCEEDING ( FILE NO.2025-CFPB-0002 ) AGAINST THEM FOR SIMILAR VIOLATIONS.I REQUEST THAT THE CFPB TAKE ACTION TO ENSURE EQUIFAX COMPLIES WITH FEDERAL LAW AND PROVIDES CONSUMER WITH THE NECESSARY PROOF OF INVESTIGATION. THE FRAUD ACCOUNTS ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) THD/CBNA XXXX EQUIFAX ALWAYS SAY THE FTC REPORT XXXX INVALID. I THINK EQUIFAX USE THIS METHOD TO KEEP THE NEGATIVE ACCOUNTS ON YOUR CREDIT FILE FOR THE COMPANY.I KNOW THAT THE FTC REPORT IS CORRECT. 
EQUIFAX XXXX EMPLOYEES TELL ME I CALL TO MUCH AND WILL NOT LET YOU SPEAK TO XXXX AGENT. EQUIFAX XXXX EMPLOYEE WILL DISRESPECT YOU AND PUT YOU HOLD FOR HOURS AND HOPE YOU HANG UP THE PHONE. I NEVER BEEN SO DISGUSTED WITH A COMPANY AND ITS RUDE EMPLOYEES. 
EQUIFAX XXXX EMPLOYEES HAVE DISCRIMINATED AGAINST MY XXXX RACE AND XXXX.I NEVER BEEN TALK TO SO RUDELY BY A PERSON. I DO NOT THINK IM THE ONLY ONE COMPLAINING ABOUT THE TREATMENT FROM EQUIFAX XXXX REPS.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX  - Account XXXX XXXX - Account XXXX XXXX XXXX - Account Number : XXXX XXXX  XXXX - Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX - Account XXXX XXXX - Account XXXX
Product: Credit reporting or other personal consumer reports

The incorrect account with XXXX XXXX XXXX  that starts with XXXX has not been changed and will remain on your credit report. 

Source : XXXX Date Submitted : XX/XX/year> Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX
Product: Mortgage

I applied and was approved for a mortgage loan, paid earrnest money, had inspection and appraisal done, and had the closing date scheduled. About a week before the closing date we were informed that there is a lawsuit involving the XXXX XXXX company and the property we were set to purchase and that we would not be able to make the purchase until litigation is settled. The XXXX XXXX involved in the lawsuit will not divulge to me the nature of the lawsuit nor when litigation will be finalized, nor to the mortgage lender attorneys. my wife and I have placed our belongings in storage and are forced to stay at a relatives home. this lawsuit has been ongoing since XX/XX/2019 with no end in sight so I was obliged to cancel the transaction.
Product: Consumer Loan

I had purchased a vehicle from XXXX in XXXX XX/XX/XXXX. It was supposed to be a fixed apr of 9.99 %. I had the vehicle until XXXX/XXXX/XXXX, when the computer module went out. instead of fixing it and adding it to our payments, they had us trade it off with less that XXXX left. I had got home and went through or receipts and realized that every year our payments were going up. in XX/XX/XXXX, we paid XXXX $ and by XX/XX/XXXX we were paying XXXX $ a year. Our XXXX had gone up causing us more in our payments without our knowledge
Product: Mortgage

We were told that we have a past due payment on our mortgage account but we were n't told the month the payment was not received in XX/XX/XXXX or XX/XX/XXXX. I do n't even know the exact month and year we missed the payment. We never received a past due statement until XX/XX/XXXX and now we 're seeing a delinquency payment on our credit report. Also, we applied for a loan modification in XX/XX/XXXX of this year XX/XX/XXXX, and we were denied because the mortgage company said we were current on our loan, had received a previous modification and had positive cash flow. We 're confused because on XXXX hand they say we have a past due payment required but they have not provided us with any proof of this. We 've shared with them that they changed mortgage companies and maybe this is when the payment was misplaced but we have a history of paying our mortgage payments every month. On the other hand, it shows that they are saying we 're current on our loan. In addition, we were told that because we are in the XXXX year of our loan we qualified for a XXXX time credit of {$5000.00} from the Federal Government. They sent us a request form to fill out for the credit if we wanted it. We agreed, signed the papers, and our mortgage was supposed to change once the credit is applied to our principal, and then our monthly payments will be lower from {$2200.00} to {$2200.00}. This has not happen and our payments are being misconstrued. I feel like we 're being taken advantage of by this mortgage company, and we need help to have this situation investigated. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit Bureau is not correcting my payment history on my old XXXX XXXX account. This car loan has been paid off in full and is closed. That part is correct, the loan has been paid off and is correct. The incorrect information is the fact that it states i was late 3 times on XXXX, XXXX and XX/XX/2014. That is incorrect. I was never late these dates. I contacted XXXX XXXX and they agreed, but said I wuld need to contact the Credit reporting agencies. I've tried that several times and each time they immediately turn around and say the information is verified, but they have not verified the information, because those lates would come off. 

XXXXXXXX XXXX account : XXXX
Product: Vehicle loan or lease

In XX/XX/XXXX I bought a new XXXX XXXX XXXX and it was financed with XXXX XXXX. Around XX/XX/XXXX I filed bankruptcy due to a separation of my marriage. I was told by my attorney to check my credit reports after filing to make sure everything was correct with my report. I noticed that my car loan was not being reported. I contacted XXXX XXXX in regards to not reporting on XX/XX/XXXX. I was told that since I filed bankruptcy XXXX XXXX will never report my paid perfect loan to the credit bureau. I was told that this is XXXX XXXX 's policy. I was also told to refinance my vehicle with another lender if I wanted credit. Please help this issue. I feel this is unfair business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

XXXX XXXX I noticed XXXX XXXX to start to apply my mortgage. My realtor sent all the amendment to her on XX/XX/XXXX. According to the amendment we signed with seller, the closing date was XX/XX/XXXX. But XXXX XXXX said we can not closing on XX/XX/XXXX because we were missing appraisal. The mortgage company should make appointment earlier, but until XX/XX/XXXX, the noticed us that they just make appointment with appraisal company. On XX/XX/XXXX lender noticed me and seller we can closing on XX/XX/XXXX, but we received an email said we need a new appraisal, because the lender not approve the last one. Seller was very mad, because we have changed the closing date twice aready. Seller didn't want to sell the house to us unless we pay extra {$2000.00} to him. The final closing date was XX/XX/XXXX, it was delay 7 days cause us lost {$2000.00}. It was not our fault. I think the reason we delay so many days because the unprofessional mortgage company, the agent didn't do our document on time.
Product: Debt collection

-Early in XXXX a notification was received from an entity self-identifying as ULG United Legal Group . A quick web search revealed a crudely constructed fake web page using clip art images and no valid license to collect debts in California for any permutation of ULG or United Legal Group. Judging this to be a fraudulent attempt to contact me I notified the DFPI. I did send a notification of dispute related to any alleged debt to the ULG entity as well on XX/XX/16 and again on XXXX. I never received any direct response in writing from ULG.

-Constant and excessive harassing phone calls from various autodialer/VOIP equipment started to occur around XXXX, the calls were in excess of 4+ per day and 10+ week and this pattern has continued constantly. The calls are coming from an overseas call center in XXXX it would seem and most of the messages forwarded by my VM service are unintelligible due to heavily accented attempts at speaking English. 
XXXX XXXX I received a response from DFPI indicating that ULG was a front for a company called ULRS , Inc. and a response from ULG was included. This response included several false statements including statements about their internal response to my notifications of XX/XX/16 and XXXX. Part of the response was that they stopped all calls and so forth in compliance with FDCPA guidance. This is completely false.
Product: Money transfer, virtual currency, or money service

PayPal has shut down its customer service and perhaps doing some bad practices as my money was placed on a hold for 21 days due to " security risks ''. Whenever I inquired what exactly those risks were, they never addressed them specifically because according to the chat box, " it does not provide that information it only shows an error ''. Currently if you checked PayPal 's social media profiles you will find hundreds and even thousands of people that experienced the same situation I was in. Once my money was released from its hold, then it was literally impossible for me to transfer it to my bank account without paying a fee. PayPal claims that you are always free to transfer your money to your bank account for free it would only take more time. However according to their representative I wasn't going to be bale to link my checking account due to a system error. When I asked how can I fix this she suggested that I be better off opening a new bank account that could work with PayPal, when I mentioned that my current bank has never reported any issues with PayPal in the past she just kept on blaming everything on their system and security risks. Finally, she said that because my bank card was already linked I could transfer the funds there, of course at a 1 % fee charge. This of course made me wonder about the whole situation because, the bank account I was trying to link and the card on file are one and the same yet it just would not go through according to their representative. At the end I had to pay a fee.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX XXXX XXXX went to TitleMax on XXXX XXXX to receive a loan I explain to them that I would have a lot but not American side of me and I would like for that to be paid off and you get the balance back myself which would be {$1300.00} for me the lawn ask your mom was {$3500.00} which would pay {$2100.00} to North American title loan and leave me with {$1300.00} at that time Miss XXXX told me everything what to type She said you won 13 back for yourself so you asked for XXXX thats what you put in the box I said what about the part to pay off for the other loan she said yes that would be done and it all goes together I did what I was towed after doing this the money was placed on a debit card giving From TitleMax on XXXX XXXX to me in the amount of {$2100.00} she told me that the loan was approved and that I was able to get {$2000.00} I asked her if {$2000.00} was for me my spending she said yes I said thats more than I asked for I also asked if the loan was paid to XXXX XXXX XXXX XXXX she told me yes and with it being paid I still would receive {$2000.00} after the money was given to me it was automatically taken back off and give it to XXXX XXXX XXXX XXXX Which was not what I saw actually the contract is just a new contract for a new law that says nothing about the pay out loud also the percent rate is XXXX South Carolina maximum interest rate is XXXX by law they shouldve not been able to take the money off the card after it was given to me it was told it was for me and that XXXX XXXX was paid off in XXXX then telling me that I have to Pay {$12000.00} and six {$.00} on a {$2100.00} loan I believe that I am a victim of predatory lending I believe she knew exactly what she was doing I talk to the supervisor MrXXXX XXXX he told me there was nothing he can do for me I told them I wanted to cancel the loan that same day they told me no the next day which was Saturday, XX/XX/XXXX I spoke with a supervisor by the name of XXXX XXXX and he told me to ask XXXX XXXX XXXX XXXX for the money back that would be the only way to avoid the lawn guy told him I did not give it to them so he would have to get it back here and then told me that all he can do is ask them to buy the loan back from them at this point I really do feel like I was prayed upon there are laws that have been broken within the contract there was another contract written without another contract being closed and I still have nothing showing anything about XXXX XXXX XXXX XXXX
Product: Credit reporting

Equifax continues to put inaccurate information on my credit report. I have sent them adequate proof to remove this descrepancy XXXX debt collection XXXX off my credit report. I was denied credit with XXXX because of the debt collection. Equifax have not removed this collections off my credit report, even after I have sent them court documents where this case was dismissed by XXXX XXXX XXXX due to the fact they could not verify this debt as belonging to me. I have repeatedly written Equifax asking them to send me the " Method of Verification '' used to verify this debt as belonging to me and they refuse to send me anything. Equifax keep saying it was verified. After getting legal counsel to help with this issue, my attorney XXXX XXXX XXXX XXXX XXXX XXXX asked XXXX XXXX XXXX XXXX send them verification that the debt belongs to me. XXXX XXXX, never received anything from XXXX XXXX XXXX that they verified that the debt belongs to me. So, XXXX XXXX XXXX eventually dismissed the case against me. I sent Equifax a certified letter on XXXX XXXX, 2015 asking them to remove this debt collections of my report, with the court documents that it was dismissed by XXXX XXXX XXXX and still to this day I have yet to receive anything from them and the debt collection is still on my report. I sent the same documents to XXXX and they finally removed the debt collections off my credit report ( I added this to the PDF file, also ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 with out my written instructions.
Product: Debt collection

I am writing to dispute the debt that is currently appearing on my credit report. According to my records, I do not owe this debt and it is not mine. 

I request that you provide me with proof of the alleged debt, including the name and contact information of the original creditor, the amount of the debt, and any documentation that you have to support your claim. I also request that you notify the credit reporting agencies that this debt is in dispute and request that it be removed from my credit report until the dispute is resolved.

If you are unable to provide me with proof of the debt, I request that you close the account and remove all negative information from my credit report. 

Please be advised that I am aware of my rights under the Fair Credit Reporting Act, and I will not hesitate to take legal action if necessary to protect those rights. 

Thank you for your attention to this matter.
Product: Student loan

I have been dealing with this company for months, they refuse to lower or change my payment plan. I am very low income and I have been getting no where with them. I have called and it is pointless, I basically get " too bad so sad '' type of responses. I send letters via postal mail and get no where, I either get double copies of forms sent to me that I have already sent to them with no explanation to why they are sending to it to me or reponses that make no sense to what I had inquired about. They are now threatening over a XXXX dollars by XXXX which is COMPLETELY out of my income bracket, I live with my dad due to my sufficently low income status and am on goverment based health care for low income. I am also attending school, as they are still requesting payment. I have faxed them forms again about this situation, which I will be attaching to this complaint. They have report this on my credit and I 'm now considered " delinquent '', I have went from a XXXX credit score down to a XXXX credit score. I do n't know how I am suppose to find a job to pay off my loans if I find a company that runs credit scores as a hiring descion process. I feel like Im at a dead end, I cant afford a lawyer, I dont know what to do.