23daVinci/CFPB_Complaints huggingface dataset:
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 cash out filled. Specifically cash app filled to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected furthermore their dispute resolution was unfair deceptive as they, as they did not comply with error resolution requirements under electronic Fraud transfer act ( efta ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Debt collection

In XX/XX/XXXX with classes starting in XXXX, I enrolled in XXXX  college. I soon after decided to go another route for my career, so I dropped all of my classes. I knew at this point that there would still be some expense, which is understandable and I was prepared to pay for it, no problem. 

I expected an email, letter, or call, or something regarding my outstanding balance, but I didn't receive anything. I already paid a small sum of money to them after I registered, and since I dropped my classes so early I figured I didn't owe them anything since I never heard from them. A student loan pops up on my credit file in XX/XX/XXXX. Balance owed is {$370.00}, and I set up payments. No issue with this. This account ( XXXX/DEPT OF ED ) is not the problem, just to be clear. 

Fast forward to XX/XX/XXXX. I get a notice from a credit monitoring service about a new collections account, and of course dive in right away to investigate since this is completely unexpected. There is a balance of {$1800.00}. I have to XXXX to find what the company name even is since I don't recognize it - NTL CREDIT MGMT. 

Eventually I find out that it is for school tuition, for the classes that I dropped. Immediately I call the school to figure out what happened, and here it is summarized : Whatever department at the school is responsible for crediting the refund for tuition for dropped classes failed to refund ( or possibly failed to allocate a refund as credit for tuition ), which left it as an unpaid balance on my account and eventually went to collections. Once I informed the school of their error, the billing department/registrar moved the refund to credit the balance owed which is now in collections ( or maybe simply notified the collections agency ). After the
{$980.00} credit to the collections agency, there were still some smaller account fees which is no big deal, but there was also a collections charge of something like {$400.00}, I don't remember and can't locate the exact amount, which is a total of {$820.00} still owed, and about half was the collections charge. They update the outstanding balance, but not even the original balance, let alone the collections account itself which I think should be removed. 

I tried to reason with the school, and the collections agency for about two months before I finally fall back to paying it. I even went as far as requesting an exception from the board of directors and dean at  the school, but they didn't do anything to help me.
Product: Credit card or prepaid card

Charge was made on XX/XX/20 {$500.00} and refunded by the merchant on XX/XX/20. The credit card provider UPGRADE has not provided me with the refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts, somebody used my personal information and applied for it, They put incorrect name as XXXX XXXX and XXXX XXXX.
Product: Credit reporting

XXXX/XXXX/XXXX Experian -- - XXXX attempts were made by me to receive my yearly credit report ( online ). Both times I received an error message asking me to try again later. No reason, or follow up information was given. 
Experian 's identity verification questions are confusing. 
Some questions were worded in the present tense, asking about bank accounts that have n't been active in a long time, which is very confusing. 
Some questions were impossible to answer correctly. 
Example : " Name the model year of the car you leased or purchased prior to XXXX XXXX '' With XXXX & XXXX BOTH listed as possible answers ... .You can only choose XXXX answer, but I 've purchased both XXXX, and XXXX model vehicles.
Product: Debt collection

I recently checked XXXX for my credit score and noticed I had an unknown debit collection from XXXX XXXX XXXX  ( Original Creditor ) for {$640.00}. I never obtained a credit card or have done business with this company. I have looked them up and the closest one to me is in XXXX. I'm currently residing in California. I don't understand where this debit collection came from. I have been checking my credit score monthly and it wasn't there until now. I reached out to Midland Funding ( Credit buyer ) and disputed it letting them know that I'm unaware of this collection. I believe I was a victim of identity theft. This has never happened before, so I'm puzzled on how to solve this. Please help me!
Product: Credit reporting or other personal consumer reports

Hello, I have tried getting this inaccurate information off of my report for years now. There are several collections that I have asked Experian to verify or delete off of my report. Every other credit bureau has complied except for Experian. This is causing a single mother of four a lot of stress and turmoil for the inaccurate information being reported. It is stopping me from funding my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stopping me from buying a house and getting the cars I need for the business. I feel like I am being discriminated against as I am XXXX  and a woman. I really need some assistance getting this inaccurate information cleared away. Also they keep adding back inaccurate addresses, names and phone numbers.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at DEPT OF EDUCATIONXXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Capital One several times about missing information and inaccurate credit reporting. I have 3 credit cards - Quicksilver XXXX, Venture XXXX, Spark business. These credit cards are not being reported on my credit reports. The credit cards that are being reported, the balance is incorrect. Each credit card has an estimate balance of {$500.00} each. Capital one is reporting {$2000.00} balance on each. I want all three credit cards to be reported to all three credit bureaus- XXXX XXXX XXXX and XXXX   immediately and the correct balance owed. This unfair reporting is delaying me from receiving the loans and proper interest rate that I deserve.
Product: Credit card

The app was working when trying to process my payment & the app was down in my XXXX XXXX for XXXX months which caused it to lock. So Im requesting for late payments to be removed since I paid for yearly subscription for credit builder.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against DISCOVERBANK account # XXXX for Violations of Consumer Rights Dear CFPB, I am writing to formally lodge a complaint against DISCOVERBANK for engaging in practices that violate my rights under federal law, specifically under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 


Violations Failure to Provide Validation Information : Under 12 CFR 1006.34 ( b ) ( 5 ), a debt collector is required to provide validation information about the debt. Despite my request for such information on XX/XX/year>, DISCOVERBANK has not provided any validation of the alleged debt. 


Premature Reporting to Credit Bureaus : Without providing the required validation information, DISCOVERBANK has placed a collection account on my consumer report. This action violates my rights as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ), which states that consumers must be given a chance to dispute the account before it is reported.

Use of False, Misleading, and Deceptive Means : DISCOVERBANK has violated my consumer rights by using false, misleading, and deceptive means in their attempts to collect this debt, contrary to the provisions of the FDCPA.

Unauthorized Reporting to Consumer Reporting Agencies : According to 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), a collection agency must provide all necessary disclosures before furnishing any account information to consumer reporting agencies. DISCOVERBANK has furnished account information without complying with these legal requirements, constituting a clear violation of these statutes.

Requested Resolution I request that the CFPB take the following actions to address this issue : I am Requesting Debt Validation from DISCOVERBANK I am Requesting Purchase Agreement between DISCOVERBANK and the original creditor I am Requesting that DISCOVERBANK furnish proof that they are Licensed and Bonded Investigate the practices of DISCOVERBANK and enforce appropriate penalties for any violations of federal laws.

Require DISCOVERBANK to cease all collection activities on the disputed debt until they provide proper validation as required by law.

Ensure that DISCOVERBANK removes any and all information related to this alleged debt from my consumer report until the proper validation and disclosures are provided.

Prevent DISCOVERBANK from engaging in further communication with me through email/text/call.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX Bank XXXX ( XXXX ) ; XXXX XXXX  XXXXXXXX XXXX ( XXXX ) ; XXXX XXXX XXXX XXXX ( XXXX ) ; XXXX XXXXXXXX XXXXk ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX, XXXX  ( XXXX ) ; and XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2019 and XX/XX/2019. 

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 an account without my written instructions.

15 U.S.C 1681 c, ( 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.

My identity was stolen by a close relative who I believe was my foster daughter. Any of these companies has yet to provide some valid proof of my opening them. I have received statements from the fraudulent accounts claiming to be the validation which proves nothing. Thanks for any help in resolving this.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681c SECTION 604 ( 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: Student loan

I took out a refinance loan from XXXX XXXX XXXX ( XXXX ) to pay off two of five of my federal direct student loans serviced by Navient. The loan was funded on XX/XX/XXXX, and Navient indicates the payment was processed on XX/XX/XXXX. The payment from XXXX to Navient was made via wire transfer, with explicit instructions on which loans the payments were intended for. Navient applied the payment across all loans on XX/XX/XXXX. I called XXXX to confirm the payment was sent to Navient with those instructions on XX/XX/XXXX, and they confirmed this. I called Navient to rectify this on XX/XX/XXXX, and they claimed they would now apply the payment to the correct loans. The payment was applied to the correct loans, loans XXXX and XXXX were considered fully paid off as of XX/XX/XXXX, and a refund of {$110.00} was issued to me for the amount of the principal my normal monthly payment reduced the refinanced loans by. Loan XXXX is now currently showing a balance of {$79.00}, and {$26.00} of my XX/XX/XXXX payment was applied to loan XXXX.
Product: Mortgage

Mr. Cooper 's ( Nationstar Mortgage LLC ) claims they are legally required to only accept cashiers checks of wire transfers to pay of a mortgage. I requested to pay off a loan with a remaining balance of XXXX with a personal chaeck and told them I was willing to waint until the check cleared for the pay off to be finalized. I also told them that my financial instituion requirres me to travel to a distant branch office to obtain a cashiers check or wire transfer. I explained that my health and the current covid crisis prevents me form such travel and entering the branch office. 
I even aslked them to cite the law that is the pretext for not accepting personal checks and they referenced the feeral laws requiring institutions that requie reporting of 10000 transactions. When I pointed our that this law is a reporting obligation no t a prohibition, they then admitted that the restriction is a Mr. Cooper 's policy. 
My first complaint is that Mr. Cooper ; s continues requiring me to pay interest on a loan that I have made every reasonable effort to pay off. My second complaint is that Mr. Coopers is not making reasonable efforts to accomodsate cutomers affected by the Covid crisis.
Product: Credit reporting or other personal consumer reports

I would like a full investigation on Trans Union. I have asked for documentation to support the delinquencies and late reporting on my credit report. My score has not been updated nor my credit reporting. The only way to get his resolved is to remove my false late reporting, delinquencies and account balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX 
XXXX ) XXXX Balance : {$290.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

All three bureaus are reporting inaccurate personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to inquire about a car I have been renting and their buying options. I was informed that my credit score was below XXXX, which sounds odd because it was closer to XXXX the last time I checked. I checked my credit to discover that the department of Education and XXXX have been making reports to my credit which has taken my credit down by 100 points and more! One report from XXXX took my credit score down 91 points in a single day! I have not had any communication with XXXX  to discuss repayment options even after the last disputes, which they were supposed to organize! I have no new loans with XXXX  yet they are continuously reporting missed payments to the credit bureaus almost weekly! In the duration of the covid-19 shut down and the CARES ACT ; the department of education has consistently made numerous reports to the credit bureaus, but when I contacted them to speak with someone who could help me set up a payment arrangement they continuously gather information, are condescending, not helpful, and try to get me to contact 3rd party collection agencies instead of dealing with me directly while Im on the phone. I do not wish to deal with 3rd party collection agencies when theyre the ones the original debt came from and theyre the ones who consistently make reports to the credit bureaus. This is unlawful practices! Theyre controlling my life and not giving me the opportunity to pay off debt. They make it impossible to set up arrangements and to re-establish my credit and it feels debilitating and hopeless. 
XXXX keeps changing the dates of the supposed debt I have with them. I need to have all charges investigated and disputed from the department of education and from XXXX, because something is not right and I HAVE to have good credit! Ive been working on my credit since last fall and I paid off some things. However, the level of student loan activity is absolutely absurd especially since I havent been in school for about 10 years. The debt from these 2 companies are mostly 8-10 years old and should not be bringing my credit score down so low! My credit score went from XXXX, which isnt that great to XXXX in less than 30 days and when I call these people Im SICK AND TIRED of dealing with their snarky nasty attitudes and their games! I would like to start an investigation immediately.
Product: Debt collection

On XX/XX/XXXX I received a letter from Brown & Joseph, XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX regarding a debt of {$120.00} owed to the XXXX XXXX XXXX XXXX XXXX. Because I have no record of owing this money and no idea what insurance product I supposedly received, I wrote back on XX/XX/XXXX requesting written verification of the debt, including copies of any invoices and the group insurance policy. 

On XX/XX/XXXX I received a letter dated XX/XX/XXXX from Brown & Joseph stating the account would be turned over to a law firm unless I paid the amount due within 48 hours. I called on XX/XX/XXXX and was told the account would be turned over at XXXX XXXX  that day and that they would not provide me with any details. I still don't know what the debt is for.
Product: Credit reporting or other personal consumer reports

This is a fraud account that was opened without my knowledge nor consent. I am a victim of identity theft. Come to find out this is a business credit card, which I never owned a business. This credit card has impacted my credit score dramatically.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX and # XXXXXXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped 114 points for no reason an Equifax can't tell me the reason, I have not use my social security over a year now and 144 point just vanished. there also reporting false information
Product: Student loan

I've called Discover Student Loan multiple times requesting prove that I've cosigned for these loans. I'm always told, I'll receive something in the mail and as of XX/XX/2024, I still haven't received anything in the mail.I have also applied for XXXX as well, due to my illness and this is still currently under review.