23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: 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 financial loss, and I seek appropriate redress for these losses.
Product: Debt collection

Tower Loans called my old job and left a message on another person 's work phone for me even when CFPB cautioned them to desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a FTC report in XX/XX/XXXX and spoke with XXXX XXXX XXXXT because there were XXXX student loans on my credit reports from XXXX. XXXX sent me a Packet Titled XXXX XXXX XXXX XXXX XXXX and i filled it out and sent it to XXXX. On XXXX, XXXX XXXX, XXXX Closed all XXXX accounts from my XXXX, XXXX AND XXXX Credit reports. In XX/XX/XXXX XXXX Reopened my XXXX Accounts and added an Fraudulent account with XXXX XXXX XXXXXXXX For the same amount as the fraudulent EDFINANCIAL Accounts, {$71000.00}. This account does not belong to me. Under 15 USC 1681 ( a ) 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 ( a ) 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681b ( a ) 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. Multiple addresses are reporting on my profile as well.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX a federally protected consumer and I am disputing this alleged account with CEO XXXX XXXX XXXX Portfolio Recovery Associates. I am requesting verification under oath the name an address of the original creditor of this alleged debt .I am invoking my specified remedy as the original creditor. I am demanding that Portfolio Recovery Associates to cease and desist communications with all third parties, including XXXX, XXXX and XXXX immediately. Please do not contact me unless you are contacting me to resolve this alleged account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion unlawfully changes my name to a second fictitious name as of last week- which, according to the notarized court document I sent them- I have not had since 2003. I sent Transunion the document in consequence of the fact that they changed the name on my file to their fictitious name I have never been and never gone by. So, in response to my document, they take the legal name change ( to revert to my maiden name by which I have legally been known as ever since ) to use the surname the document removes ( XXXX ) on my account, replacing their former fictitious file name. The name XXXX is not my last name either. They change my name again to an almost equally fraudulent name I used for about one year, two decades ago, that is dissolved due to the cheater I married who has an undisclosed communicable disease- therefore the annulment was granted. Transunion has no authority to change a court decision, signed by a judge that gives my maiden name, XXXX XXXX, back- due to XXXX XXXX fraud. Now Transunion commits fraud in attempting to force me to take his name back.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed in each letter that was sent to you via certified mail, in which I have verifiable proof. The dates that I sent Equifax certified mail was XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 in which I have receipts. With each letter you have ignored my request and the federal law. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation in which you have failed to do. In fact it has been more than 120 days since I initially reached out to Equifax, directly for Equifax to conduct their investigation. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed in each letter sent to you.
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and 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: Credit reporting or other personal consumer reports

This account was charged on the following date [ XXXX OF FIRST CHARGE STATEMENT ]. Since then, the account has been repeatedly updated as a charge each month. This is an update to the payment history. A charged account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. Your failure to properly investigate this account has violated my rights. I am demanding the removal of the following account : Experian : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Not showing how they verified any standing deputes. Never receive a letter on whom they spoke with or how they conducted there investigation. Only stating it was verified but not how. Never received credit report with credit scores. And this from Equifax and XXXX. For a bankruptcy. That should have been removed. It has been removed from my XXXX  credit reporting. Because they have not done there job properly nor fairly I would like all items that I disputed be removed. Thank you.
Product: Debt collection

I was mailed a statement on XX/XX/XXXX from XXXX stating what I owed in amount of {$900.00}. In which my attorney XXXX XXXX paid CAC financial services in XXXX the {$900.00} in XXXX of XXXX furthermore on a recorded call with CAC financial on XX/XX/XXXX XXXX XXXX XXXX stated that CAC received a check in amount of {$900.00} from my attorney in payment in full to account # XXXX CAC financial is reporting I owe XXXX XXXX XXXX dollars and some change before they will remove from my credit files.
Product: Debt collection

XXXX XXXX apartments refused to dispute my charges, of {$430.00} and handed it to a IQ Data. When IQ Data first reached out, the representative was verbally aggressive towards me when I told him that I needed him to reach back out to the apartment complex because I didn't agree to the charges. He told me that because I didn't want to pay, it would reflect on my credit report. The calls stopped and it was reported on my credit report on XX/XX/XXXX. I then started getting calls three times a day every day. Then they called me at my office in XX/XX/XXXX. I told them not to call back so they started harassing me on my personal phone instead. I finally answered and ask for a dispute again. They had me send my concerns and proof at XXXX. I sent it to them on XXXX but the calls didn't stop after. I told them I had sent it. I sent them a desist letter asking them to stop harassing me on XXXX and it was delivered XX/XX/XXXX. Following that letter, they called me on XX/XX/XXXX and they called my husband two times right after calling me to dispute the debt with XXXX XXXX. I sent a request to the three main creditors, XXXX, XXXX, and XXXX, to dispute the credit inquiry. They followed up with a letter, on XXXX letting me know that they will not conduct an investigation to dispute the charges and are charging me {$38.00} in fees plus XXXX percent per annum. Apparently I know owe them {$480.00}. I never agreed to paying late fees or the debt that they keep saying that I owe.
Product: Mortgage

Attempting a mortgage refinance, property title report came up with a open line of credit from XXXX. Lending bank will not complete a re-conveyance of the loan without a complete copy of the loan which they say I must provide. Nothing on record at county recorders office regarding this loan, lending bank informed me my only option is to get a Title Attorney.
Product: Mortgage

This is my second complaint. Their response to the first complaint was they would not respond because I was a third party. Which I did n't become a third party until after the complaint. All I want to do is pay off the loan balance. I am the legal owner of the property. I have sent the legal papers they requested. They still refuse to work with the tital company that has requested the payoff numerous times. There is a auction date of XXXX XXXX, XXXX. This is the second date set. I was able to get them to postpone the first date so we could get everything together. All we need is the payoff faxed to the tital company. They have all the legal paperwork they need. They continue to refuse helping me pay this debt off.
Product: Debt collection

On XX/XX/year> I scheduled a payment on FlexShopper 's website for {$120.00} to come out of my debit card. They are still calling me XXXX plus times a day even after I told them to stop calling me. I told them to stop calling me on XX/XX/year> and then the day after they call me five times! One of the agents XXXX flat out ignored my Do Not Cal request and said they will keep calling me regardless. He was rude and unprofessional. It's been XXXX dealing with this company I was having financial problems before and they would harrass me and I even had to file a complaint with the BBB. They even called me on XXXX XXXX XXXX a holiday after I again told them to stop calling me!
Product: Vehicle loan or lease

I paid the property tax on XX/XX/2018 according to my statement and my regular installment was paid on XX/XX/2018. 
The Leasing company has been sending me bills saying that the total amount due is {$0.00} and when I contacted the billing dept on XX/XX/XXXX. I spoke with XXXX in customer service ( Finance Dept ) as per her I don't owe any payments this month. 
When I asked for Clarification, The taxes were applied to the monthly installment and I don't owe them anything. But the taxes are still due, I never received any statement or letter from them saying that my taxes are pending. 
When I asked them to correct this error, she said that this can not be done. 
If I my taxes are due, I should get a letter from them which I never received anything. 
They should at least fix my account and let me have my concise monthly statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed, XXXXXXXX XXXX XXXX {$1600.00} XXXX  XXXX {$2900.00} XXXX  XXXX {$370.00} XXXXXXXX XXXX XXXX  {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent three dispute letters to Experian in XX/XX/XXXX in regards of this XXXX XXXX XXXX account with account number XXXX in the dispute letters I sent Experian I told them that this item needs to be deleted because it's inaccurate because XXXX  and XXXX  has this account opened on XX/XX/XXXX but experience has this account opened on XX/XX/XXXX so I told them this was an accurate and it needs to be deleted but they said it was not going to investigate into the subject matter.
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a {$240.00} payment to First Progress MC for a " secured '' credit card. It was a {$200.00} deposit into the account and the {$49.00} membership fee. I made one purchase with this card on XX/XX/XXXX and paid the balance in full the next day. The company only takes Bill Pay so I setup a bill payment account with my bank account at that time and made the payment. It took 21 days ( 3 weeks ) for the payment to post to my credit card account. I decided then that I would not use the card anymore because the payment takes too long to post. So, I put the card up and did not use it. I knew, however, that the {$49.00} annual fee would be due soon, but I was not worried about it because I was expecting to get the statement in the mail. Today, XX/XX/XXXX, I received a First Progress statement in the mail. This is the ONLY statement that I have received this year and my balance is {$110.00}. The company billed {$49.00} on XX/XX/XXXX for the membership fee, {$29.00} on XX/XX/XXXX for a late charge and {$40.00} on XX/XX/XXXX for an additional late charge for a total billed amount due of {$110.00}. I WAS LIVID!! I called First Progress and asked for a supervisor. So, XXXX ID # XXXX, gets on the phone and tells me that the company has mailed me sixteen statements beginning on XX/XX/XXXX. I told XXXX that I received that statement, but I have not received a statement since XX/XX/XXXX. Then XXXX tells me it is not his company 's fault that I did not get my statements and that there must be a problem with the mail delivery. I told XXXX that I received ALL my other bills in the mail this year, but I can not understand why I have not received one statement from First Progress until my account is past due. I assured him that I have not received any statements and can easily prove it. I signed up for the USPS Informed Delivery service- the post office creates images of the mail for that day and then emails the images to me each and every day there is mail service. There are NO images of any First Progress statements, except the one that I received today. I depend on receiving my bills in the mail and email so that I can remember when to pay them. And paying the {$49.00} is not the problem... the problem is that First Progress has not mailed any statements to me. XXXX then tells me that I would not receive a statement and it is my responsibility to pay my bills. I asked him then why did he tell me that XXXX statements have been mailed to me? And why does the company offer " Paperless '' Statements? Of course, he got smart. I told him that I was reporting this because whatever they are doing is a fraudulent business practice.
Product: Credit reporting or other personal consumer reports

I am writing to address a discrepancy in the credit reporting information for my account with XXXX XXXX XXXX. Specifically, I have observed that Experian is reporting a late payment for XX/XX/scrub>XXXX XXXX while other 2 credit bureaus are not reflecting this inaccuracy. 

I understand the importance of accurate credit reporting, and I take great care in ensuring the information is consistent across all credit reporting agencies. The reporting of a late payment for XX/XX/scrub>XXXX XXXX  on my Experian credit report is both unexpected and inconsistent with the information provided by other credit bureaus. 

To maintain the accuracy and integrity of my credit profile, I kindly request that Experian investigate this matter and promptly remove the reported late payment for XX/XX/year> in accordance with the Fair Credit Reporting Act ( FCRA ). The account is XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, XXXX and Experian are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Consumer reporting agencies XXXX XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

I received XXXX letters from XXXX XXXX XXXX XXXX dated XX/XX/XXXX. XXXX I received on XX/XX/XXXX the other on XX/XX/XXXX. I have a RV loan with XXXX XXXX XXXX XXXX. I had missed the XXXX  day deadline stated in the letter due to the mail. Why was not a signature required with the importance of this letter? It should be the date I received the letter, not date it was typed. Both letters were postmarked XXXX, XXXX. Because I did not respond within the XXXX  days of the date of the letter, the Recovery Department of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX ) turned my account over to debt collector MS Services ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX ) I am currently disputing this issue with MS Services. The amount the are stating is the amount owed over the course of the loan, not the outstanding balance. If I do not pay the loan amount, there will be re-possession. I have asked both parties to reverse the action to have my account back to XXXX  XXXX XXXX. I am currently making payments towards the outstanding balance to the bank. The Recovery Department stated they could not help the mail. I lost XXXX  days just getting it to XXXX. I live in XXXX. In the meantime, I was sending emails to XXXX  customer service. I was receiving blanket responses with department phone numbers. I was inquiring about speaking with someone of authority. It never happened. 

I spoke to XXXX members of the Recovery Team XXXX times. XXXX agent said other people had the same issue with the letters. I feel the issue could have been resolved that day. They told me they are in contract with MS Services and no way of getting out of it. I know with due diligence and getting the right parties involved, this can be reversed. 

Thanks for your assistance!
Product: Credit reporting, credit repair services, or other personal consumer reports

FedLoan servicing has and continues to report negatively on my credit. I have disputed this issue far too many times and FedLoan Servicing still refuses to address the issue and as well XXXX fails to remove it off the report even though the other two bureaus have. 

Additionally, FedLoan servicing has officially close their doors and XXXX is the new owner of FedLoan. I have been in contact with XXXX and they are not able to find the account and the Department of Education has still proven that the loans are 100 % discharged. If FedLoan is no longer and business and XXXX can not find the account, it must be removed off the credit report as the loan does not exist and on the basis, they have been discharged. 

This is a final notice for the removal of the accounts from the credit report.