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

I am filling 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 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.
Product: Credit reporting or other personal consumer reports

Experian is reporting inaccurate information on my consumer report. They are also reporting medical information which is prohibited by the FCRA. I am a consumer, and I don ' t have an account with these following companies as defined under 15 U.S.C. 1681a ( r ) ( 4 ). These accounts : XXXX XXXX XXXX, and XXXX XXXX  XXXX need to be hard deleted from my file immediately as they have no permissible purpose to do such, also the inaccurate reporting of these accounts have caused me harm and injury to my credit reputation. These accounts were previously disputed and Experian failed to conduct a reasonable reinvestigation and update my account to maintain the maximum possible accuracy of information as the FCRA requires.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural personXXXX XXXX  also known as XXXX XXXX XXXXXXXX is in violation of 15 USC 1681 604 A section 2 in which i have NOT given written permission to furnish the account to any consumer reporting agencies.

Also, 15 U.S.C 1681 section 602 A states I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( XXXX, Balance : {$3300.00} ), XXXX XXXX ( XXXX, Open Date XX/XX/XXXX, Balance : {$11000.00} ), XXXX XXXX ( XXXX, Open Date XX/XX/XXXX, Highest Balance : {$7400.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Mortgage

CommentDEAR SIRS, I APPLIED FOR A " HARP '' LOAN THROUGH GREEN TREE LENDING IN XXXX XXXX. THE LOAN " MODIFICATION '' WAS APPROVED ON XXXX XXXX, XXXX. WE WERE NOTIFIED BY GREEN TREE ( GT ) THAT A TRIAL PAYMENT PLAN WOULD COMMENCE FIRST AND THEN OUR LOAN DOCUMENTS WOULD BE SENT TO US VIA CERTIFIED MAIL. 3 MONTHS LATER ON XXXX XXXX, XXXX WE BEGAN THE XXXX " TRIAL '' PAYMENTS WHICH WERE IN THE AMOUNT OF APPROX {$470.00}. THOSE PAYMENTS WERE MADE WITHOUT ISSUE. WE THEN RECEIVED THE LOAN DOCUMENTS ON XXXX XXXX. THE LOAN DOCUMENTS LISTED OUR REPAYMENT PLAN AT $ XXXX/MONTH. I DO NOT KNOW HOW OR WHY THIS BIZARRE AMOUNT WAS CHOSEN SINCE THE LOAN WAS FOR {$22000.00} APPROX. ON A XXXX MORTGAGE. SO THIS WAS A 40 YR LOAN. WHICH I HAD NEVER HERD OF IN HOME LOANS. WE SIGNED THE LOAN AND STARTED TO MAKE PAYMENTS REGULARLY EVERY BEGINNING OF THE MONTH ON TIME. THEN THREE MONTHS LATER IN XXXX XXXX I RECEIVED A TELEPHONE CALL STATING I WAS DELINQUENT IN A PAYMENTS. I SAID HOW CAN THIS BE WE " JUST '' STARTED THE NEW LOAN! THE PERSON ON THE OTHER END DID NOT KNOW ANY DETAILS OTHER THAN WE WERE {$1200.00} BEHIND ALREADY. I PROMPTLY WROTE GREEN TREE A LETTER TO EXPLAIN THIS ( XXXX OF XXXX LETTERS ). GREEN TREE FINALLY REPLIED ON XXXX XXXX, XXXX. IN THE MEANTIME I HAD WRITTEN GREEN TREE EVERY MONTH A COMPREHENSIVE BUSINESS LETTER FOR THEM TO OUTLINE OUR PAYMENTS/PAYMENT PLAN/HOW MUCH WE FINANCED/WHAT INTEREST RATE/AND COULD WE WE RECEIVE A WRITTEN NOTICE OF OUR MONTHLY DUE IN A PAYMENT COUPON BOOK. NONE OF THAT INFORMATION HAS EVER BEEN SENT TO US! TO THIS DATE ALL I HAVE RECEIVED IS NONE OF THE PERTINENT DATA REQUIRED BY LAW ON MY LOAN. ALSO GREEN TREE REFUSES TO ACT IN GOOD FAITH AS A RESPONSIBLE LENDER TO PROVIDE ANYTHING BUT MONTHLY ANNOYING PHONE CALLS THAT ASK ME WHETHER I AM GOING TO LIVE IN MY HOME, WHAT IS MY NAME, MY ADDRESS, HOW LONG HAVE I LIVED THERE? EVERY MONTH! NON STOP ALL THE TIME. I HAVE FINANCED XXXX HOMES BEFORE AND HAVE NEVER GONE THROUGH WHAT GREEN TREE DOES WHICH IS TELEPHONE BADGERING ASKING RHETORICAL QUESTIONS THAT HAVE NO VALID REASON EXCEPT TO INCITE A PERSON 'S TOLERANCE. I EVEN HAD TO HIRE A THIRD PARTY TO FORCE GREEN TREE TO REFINANCE THE LOAN AND PAY THIS THIRD PARTY {$3600.00}! AT THE TIME I HAD LESS THAN A YEAR ON THE LOAN A BIWEEKLY PAYMENT PLAN. I WAS A XXXX WITH XXXX AND BECAME XXXX AND CALLED GREEN TREE TO TELL THEM COULD I MODIFY MY LOAN? THEY SAID NO THAT THE LOAN WAS TO MATURE OR DUE. THIS IS THE WORST COMPANY EVER. THE WORK ON FEAR AND BY BADGERING THE CUSTOMER FOR MONIES. YET THERE IS NO ACCOUNTABILITY FOR THEIR TOTAL LACK OF PUBLIC TRUST AS A LENDER. PLEASE HELP ME
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

I have had this account for years I can not dig to find all transactions. But I have had major problems since the beginning. Fraud, scams, trying to stop transactions that were not mine. I couldnt get anywhere because I couldnt speak to an actual person. No one was there to help me. Money just kept begin taken from account. The computer system told me no help til its posted. I would reach back out after its posted to report it and still nothing. There was no human person I could talk to for a very long time. It was gut wrenchingly wrong
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 

validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Money transfer, virtual currency, or money service

I used my zelle account through my XXXX XXXX XXXX XXXX app to send my wife {$180.00}. Right as it was approved my account was locked. The money was sent because my wife got a notification telling her I sent her {$180.00}. But when she went to get it there's no money.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX  XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. XXXX pledging us as collateral to back government debt. 
XXXX XXXX XXXX the government has obligation to discharge and settle debt we may incur
Product: Checking or savings account

On XXXX XXXX XXXX  chime closed my account for no apparent reason and I still have not received none of my money I'm.being evicted from my home because they would not send me my money and still won't send my money which I really need then I had more money went to chime and they want send that either I want my money and it's not right that chime can do this please help
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. tracking number for USPS is XXXX XXXX XXXX. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Has violated my rights XXXX XXXX XXXX XXXX XXXX  ) Has violated my rights XXXX XXXX XXXX XXXX XXXX ) Has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX )
Product: Money transfer, virtual currency, or money service

On, XX/XX/2022, a money transfer in the amount of {$800.00} was initiated on the Chase iOS app through XXXX, the platform which Chase uses to handle transfers. The user whose money was sent to was incorrect, at the time there was no confirmation received in the matter of " are you sure this is the correct recipient? '' or anything similar to that. The person has since disappeared, any attempt to contact whether call or text has been unsuccessful. I and a third party, legal representative, have tried to reach to Chase to correct this in a timely manner in hopes of Chase reaching out to the bank of the recipient to hopefully refund the money, Chase has said numerous times that there is not anything they can do. This is unfair as I am not tech savvy and Chase advertises catering to users of all ages and backgrounds, that is those who are tech savvy and those who are not. In this case they have completely abandoned the situation and I am in dire need of my money.
Product: Debt collection

To whom it may concern I filed a complaint with the CFPB AND FTC regarding the FMS account and the accuracy and validity of the information provided. 

In XX/XX/year> FMS responded to the complaint and attached a Driver License and rental agreement. 
and social security cards of children not belonging to me. I dont have any children However this does not prove that I authorized the application/ account. 

Where is the social security card used to apply for the apartment? 

My social security card was never provided? 

Please provide what methods was used to verify the identity of the applicant? 

I previously reported that my driver license along with other personal information was stolen from my vehicle. I placed an extended fraud alert with all credit agencies filed police report, and FTC REPORT. ( see attached ) Creditors should call me before issuing/ approving applications in my name. 

Additionally I have never held a DC driver license. Please see attached Maryland Driver License Additionally, this account is hindering my ability to keep gainful employment or stable residence because of this issue. 
This account was charged off yet no 1099 was provided regarding the debt/ profit loss. 

When I contacted FMS in XX/XX/year>, I was never given a notice of rights, I have never been told that this was an attempt to collect any debts. 
I was NOT provided with Notice to Rights I was NOT provided with a 1099 for the charge off debt. 

This account does not meet the accuracy and validity requirements.
Product: Student loan

In XX/XX/XXXX, I had to take out a {$10000.00} loan with XXXX. While I was in school, I was told that I had to make payments, even though I opted out of the option to repay while I was in school. My mother had to pay $ XXXX monthly, because I could not afford the payment, due to me being a college student. Around XX/XX/XXXX/XX/XX/XXXX, I was told that my loan was going to transition from XXXX to Navient. My mother still continued to make payments and I occasionally made payments as well, due to me having a summer job. In XX/XX/XXXX, my loan payments jumped from {$80.00} to {$190.00}. I continuously called Navient, begging them to lower my payments because I can not afford to pay {$190.00}. Representative after representative refused to lower my payments. I have asked for income-driven repayments, Navient told me no. Later that year, Navient cause my credit score to drop XXXX points. I could not get an apartment, because Navient caused a hard inquiry on my credit score. I have recently begged them to lower my payments to {$50.00}, because that 's all I can afford and they still told me no. On XX/XX/XXXX, after calling, harassing and leaving 15 voicemails on my phone, I decided to pick up. XXXX, the representative told me that I need to make a payment or my name was going to go to collections. After I told him that I could not afford to make a payment, he rudely said, " If you work full-time, I do n't understand why you ca n't make a payment. You must make only {$200.00} huh? '' Navient harasses me XXXX. I have blocked over 14 different phone numbers from them, but they still call me from XXXX until XXXX. It 's exhausting. All I want is for payments to be lower, that 's it. They refuse to work with me and I will be grateful if I can get any help. Thank you.
Product: Credit card or prepaid card

Someone opened a Macys credit card account under my name without my knowledge. I am receiving notices from a debt collector of {$300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act this creditor has violated my rights Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC section 604 section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on credit card account under an open consumer credit plan as late for any purpose. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

VALIDATION Dear, West Creek Financial I recently noticed a debt collection from you on my credit report. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2.

Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter
Product: Credit reporting or other personal consumer reports

sent this letter- This letter serves as a formal and initial communication to complain that you are reporting inaccurate and incomplete information on my credit report. The following information regarding late payments are inaccurate : XXXX XXXX XXXX - Dates : XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I respectfully request a thorough and accurate investigation into the data associated with this account, ensuring that all notations, dates, payments, and balances are reported correctly. I also request specific evidence proving that the alleged late payments were, in fact, late. To verify this, I am requesting copies of statements and payment transaction records from the creditor that demonstrate my payment was submitted late. 

Under 15 U.S. Code 1681e, it is your responsibility, as the credit reporting agency, to verify the accuracy of this information with the reporting creditor. If you are unable to provide proof of the alleged late payments, I ask that you update my payment history to reflect a " PAANL '' ( Paid As Agreed, Never Late ) status, in accordance with consumer protection laws.

Please send the results of this dispute and the updated credit report to the address listed above.
Product: Credit card or prepaid card

XXXX XX/XX/XXXX ( 1 yr, 6 mos ) Account status My identity was stolen I want to resolve this issue by not paying anything and having this remove from my credit report thank you. 
-- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX You have a dispute in progress XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

The mortgage on my residence has been serviced by XXXX XXXX  since XX/XX/XXXX. Since that time, all payments have been made on time, and there has been no default of the loan. 

On XX/XX/XXXX the comaker on my mortgage filed a XXXX  XXXX bankruptcy case. Payments have continued to be paid on time. On XX/XX/XXXX XXXX XXXX  generated a letter that I received advising that negative information was provided to the credit reporting agencies. Within the next month, each of the credit reporting agencies reported that my mortgage was paid and there was no longer a balance due for the account. This was far from the actual facts. I have contacted XXXX and was directed to a representative that handled accounts that were involved in a bankruptcy. I was advised the even though I was not involved in the bankruptcy that the account for their purposes was coded as in bankruptcy. Furthermore, I inquired about having accurate information reported to the credit bureau agencies with regard to the credit report. Additionally, I was advised that they would not report updated information until a time that the comaker on the loan had completed their payment plan. The mortgage is not XXXX of the accounts that is being paid within the XXXX  XXXX plan. 

After that time, I filed disputes with each of the credit bureau agencies concerning the information reported by XXXX XXXX. After the investigation by XXXX XXXX, they deleted the account from the bureau. I called XXXX XXXX and the representative advised they could not help, and I would need to have XXXX XXXX  report information to have the account listed on my bureau. XXXX conducted a review of my dispute, but at the end of the investigation did not update any information. The same was the case with Experian. 

By XXXX XXXX  not reporting information on my mortgage to the credit reporting agencies, this has resulted in my XXXX XXXX decreasing by approximately XXXX points.
Product: Debt collection

3 DIFFERENT COLLECT AGENCIES ( XXXX, XXXX XXXX, XXXX, PORTFOLIO RECOVERY ) SENT DEMAND NOTICE FOR PAYMENT OF FRAUD ACCOUNT NOT MINES AND NEVER DONE BUSINESS WITH CLIENT " XXXX XXXX '' ..THE ABOVE COMPANIES CONTINUE TO VIOLATE " FDCPA, FCBA AND FCRA ''
Product: Credit reporting or other personal consumer reports

This company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Is reporting to all 3 credit bureau 's as of XX/XX/XXXX i owe them {$190.00}. This is not my account and I have disputed this before. It was originally with Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX for {$190.00}. It was CHARGED OFF! AND NOW IT WAS SOLD AND PUT BACK ON MY CREDIT AFTER 7 YEARS UNDER A NEW COMPANY 'S NAME AS OF XX/XX/XXXX. THIS IS NOT MY ACCOUNT IT NEVER WAS MY ACCOUN TO BEGIN WITH, T IT WAS ON MY REPORTS FOR 7 YEARS AND NOW THEY SOLD IT AND A NEW COMPANY I NEVER HEARD OF IS SAYING I OWE THEM NOW, ITS FRAUD! PLEASE MAKE THEM STOP! I HAVE ALSO BEEN EXPOSED TO SEVERAL DATA BREACHES, THIS IS NOT MINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts showing on my credit report that do not belong to me, self lender & XXXX XXXX. I contacted the companies and self said to put in a report and credit one said they are looking into it. There are also inquiries on my credit report