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 equate 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 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 regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts XXXXXXXX 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 XXXXXXXX. These accounts is canceled debt the companies has filed them on there taxes. They are also reporting on my credit as debt which doesn't make sense at all. If a charge off consider ordinary income how could it be furnished on my credit as debt. Now the IRS mentioned that these companies suppose to send me a 1099 form so I could file ordinary income. This is a violation 15 USC 1681eb. It speaks on maximum consumer report they have to be deleted. Thank you and have a very blessed day.
Product: Payday loan, title loan, personal loan, or advance loan

I was denied my right to credit
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I identified several errors. Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the FCRA, the credit bureaus are required to verify the accuracy of these accounts. Reporting unverified information without proper validation within the legal timeframe is not permissible. I request that you investigate and correct the following accounts listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/year> XXXX XXXX XXXX XXXX, PA XXXX XX/XX/year> XXXX XXXX XXXX Balance : {$3100.00}
Product: Debt collection

On XX/XX/2021, TD BANK fraudulently made a PHONE TRANSFER from one of my checking accounts that contained recently direct deposited Unemployment Benefits which are exempt from debt payment, and used these funds to pay down a negative balance deemed as a debt owed on my savings account. 
I have been attempting to resolve this issue with TD BANK since XXXX XXXX, and have had no issuance from the bank of my exempt unemployment benefits.
Product: Debt collection

I received a letter from XXXX and XXXX claiming I owe a debt that they never validated nor did Portfolio Recovery Associates. The business is posing as an attorney, yet they have no jurisdiction over me. I want them to leave me alone permanently.
Product: Debt collection

I received a letter from Professional Account Manangement, LLC regarding " several attempts to contact me '' for XXXX unpaid parking citations. I checked with www.dmv.dc.gov to ensure my balance was paid. It stated my balance was {$0.00}. 

I do not owe this said debt of {$60.00} and this company is threatening to report it to credit bureaus. Please advise asap. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As I, XXXX XXXX have previously notified Experian and XXXX, that I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was serviced by XXXX Mortgage at the beginning of the COVID19 pandemic. A forbearance program was offered and I opted in. The mortgage was then transferred to Mr. Cooper ( Nationstar ).

Mr. Cooper assured me that all would be good. Despite their assurances, I received 2 hand delivered notices as well as incessant robo calls. When I would speak to anyone at Mr. Cooper, the would continue to assure me that all was good and things were on track for a loan modification. 

Approximately XX/XX/2021, I was notified by a credit monitoring agency that a significant event and change occurred on my credit report. Upon reviewing my credit report, Nationstar ( d/b/a Mr. Cooper ) reported a delinquent account to credit reporting agencies. 

I am not clear how this is delinquent when I have been communicating with Mr. Cooper about the modification program since the loan was transferred and I have made 3 payments since the modification started.
Product: Credit reporting, credit repair services, or other personal consumer reports

MIDLAND MTG/MIDFIRST Account : XXXX has been paid and closed since 2015 but on my report, this is still showing that it is 30 days. How can this be? This account should not be showing a late date since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. This inaccurate information is preventing me from getting the credit I deserve and it needs to be removed IMMEDIATELY! 
MIDLAND MTG/MIDFIRST XXXX Date Opened : XX/XX/2015 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

-UNRECOGNIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX EQUIFAX MORTGAGE SER , 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: Credit card

After a dispute with the Discover card company I revoked their ACH authorization in late XXXX. However earlier this month the company took {$800.00} from my account anyway. After much arguing, they returned the funds.
Product: Mortgage

In XXXX my husband and I purchased a XXXX mortgage for the amount of {$50000.00}. At some point GMAC mortgage notified us that they has purchased our loan. They sent statements and we paid. When I became ill I spoke to them and they reduced our interest rate to XXXX. GMAC mortgage filed bankruptcy in XXXX of XXXX. 

We had our first experience with Ocwen when we received a certified letter threating foreclosure. I called and gave them the account # and they could not find an account for us. I called back a few weeks later and was told again they were going to foreclose on our home. We were never told they had bought our mortgage. 

We were very behind and I was sick. We made payments. The statement also shows our principal balance of XXXX was XXXX. With a XXXX interest rate. That was the last statement I got from them after to class action law suit. When we checked our credit report it showed written off to chapter XXXX bankruptcy which we assumed the lien would be lifted as per the law. 

In XXXX on this year we tried to refinance our home with XXXX XXXX and everything was going great until a lien showed up on our home for {$46000.00}. {$4000.00} less than we took the loan out in XXXX. They also sent this letter stating we needed to contact them after XXXX got in touch with them. They do not understand why it is written off to bankruptcy and there is still a lien and neither do my husband and I. His credit score has dropped from XXXX when we started with XXXX down to XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the consistent pattern of stall letters that I have received in response to my dispute letters sent to XXXX/Equifax/XXXX . As a diligent consumer, I have taken the necessary steps to rectify inaccuracies on my credit report, only to be met with what seems to be a systemic delay in the resolution process.

Upon further investigation and consultation with resources available, including the Consumer Financial Protection Bureau ( CFPB ) database, I have noticed a recurring trend of similar complaints from other consumers regarding stall tactics in your responses to disputes. The CFPB has also addressed this issue in a report titled " CFPB Issues Report on XXXX, XXXX, and Equifax, '' highlighting the need for fair and efficient dispute resolution processes. 

In particular, I would like to draw your attention to the cases of XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, as these legal precedents underscore the obligation of credit reporting agencies to promptly and thoroughly investigate consumer disputes under the Fair Credit Reporting Act ( FCRA ). Both cases emphasize the significance of compliance with FCRA 1681i, which mandates a reasonable and timely investigation into consumer disputes.

The continued use of stall letters raises concerns about potential violations of FCRA 1681i and goes against the principles laid out in the aforementioned cases. It is my sincere hope thatTransUnion/Equifax/Experian will take immediate steps to rectify this matter, ensuring that disputes are addressed promptly and in accordance with the law.

I kindly request that you conduct a thorough and expedited investigation into the disputes I have raised and provide a comprehensive and timely response in line with the FCRA. Failure to do so may compel me to escalate this matter further through legal channels.

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

As I decided to buy a jet ski for summer fun my sales consultant told me that my credit had to be pulled to see if I was eligible for financing. He pulled my credit and told me I was not accepted for any financing due to several unknown items to my report. I then asked to see my report and there are many derogatory items that I have never applied for in my life. Please remove these fraudulent items from my report.
Product: Credit reporting or other personal consumer reports

These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request that they be removed from my credit report.
Product: Credit reporting

All XXXX credit agency 's have my persons information. The home address they are reporting I have n't lived at in over 15 years, and the employers are the same. I need all my information corrected. I did advise XXXX to correct my information and they never made the changes.
Product: Checking or savings account

Wells Fargo open accounts are apply me for loans or credit cards without my knowledge or without giving me the correct information disclosures they would do it because they needed more solution to need it better things and I called my accounts to get severely overdrawn in my accounts to close any calls my credit to severely decline
Product: Checking or savings account

Wells Fargo sent me notice of add on packages back in XXXX We have been trying to settle this and in the process Wells Fargo determined that we had 12 bank accounts in their system. after they researched them it was verified by me and my wife that only 2 of the 12 were valid which leaves 10 unanswered. As we spoke to the Wells Fargo representative ( XXXX ) he was not able to give us any information about the 10 accounts other than they were closed. He stated that they could only go back 7 years and they would not be able to give me any information other than they are now closed. We discussed the settlement for the add-ons and during that session they were able to come up with paperwork when we first opened the account in XXXX. I am very worried and affraid of what information is out there as you need Driver License, ssn, address, and other personal information which includes my wifes info. They have not and refuse to accept what has been done by their employees and refuse to even acknowledge there is a problem. I have seen and researched that there should have been a notice sent to me, but have not recieved anything.
Product: Consumer Loan

Ford Motor Credit is attempting to charge me a {$100.00} fee for a " speeding ticket '' on my vehicle. Ford notified me of the ticket at some point in XXXX 2016, and I proceeded to immediately contest the ticket. About 30 days afterwards, I find the fee of {$100.00} on my account. I called Ford and notified them that it was my intention to contest the ticket and that by them having paid it, they are precluding me from being able to continue with the contestment. After waiting for over 8 days for a supervisor to contact me, I had to call back and managed to speak to XXXX XXXX from the XXXX Department ( I later called Ford Motor Company and they informed me that there was no one with that last name and that it was possible that XXXX gave me a false last name ) who was very disrespectful, called me a liar, and told me that he will not remove the fee. I told XXXX XXXX that I will look at terminating the lease because of this and that I would be filing a claim and mentioning him by name, he stated " Go ahead and do it, I 'm writing it down. '' I have never been so disrespected when dealing with another company and I want the fee removed. I followed the instructions on the letter to call the jurisdiction to contest the ticket and Ford proceeded to pay the ticket and attempt to charge me for it. The letter contained a typo which confused me and even after having admitted to the mistake, XXXX XXXX refuses to eliminate the fee. To be more specific, the letter stated that one would have to notify " us '' at the phone number listed above. The only phone number listed " above '' was the XXXX government 's number. Given that I never directly received a ticket ( I only received a letter from Ford notifying me of the ticket ), it was my reasonable understanding from that letter that XXXX was in constant communication with XXXX and thus, by contesting the ticket at the " above number '' ( XXXX government 's number ), I would meet the notification requirement. XXXX admitted that it was a mistake on the letter but he stated that he will not remove the fee. Furthermore, XXXX stated that I had 30 days to pay the fee and that my contestment was dated XXXX XXXX. I explained to him that in order for one to have evidence of the contentment, you must receive an email confirmation from XXXX of your submission ( I told him that he could verify this information on the XXXX government 's website ). I contested the fee two days after I received the letter. More than a week passed and I never received the confirmation. I proceeded to contest it again and then many days later, I finally got the confirmation. XXXX told me that I needed proof of this because otherwise I was lying. XXXX was extremely disrespectful, he raised his voice to me and even proceeded to not let me talk and explain. I want the fee removed and XXXX held accountable for his disrespect and actions.
Product: Debt collection

We first received a letter from this company named " Credence XXXX XXXX XXXX ''. The letter we received was a bill that was summed up to {$3100.00} XXXX. This bill was supposedly for the XXXX XXXX XXXX as a creditor. We searched up the website online " XXXX '' it was very suspicious on first sight. Instead of a log in, or a first time user, it asks for a " XXXX XXXX  XXXX ''. Upon clicking that link it asks who is your creditor is. Upon the options ours as " XXXX XXXX XXXX  '' was there, there also was XXXX XXXX XXXX, XXXX and XXXX, etc. Which we found even more suspicious because those companies require account information to pay off their bills. After accepting their terms it instantly asks for checking and or credit card information. We called this company via the phone number provided in the letter around XXXX XXXX  of XX/XX/2021. Between their call hours. An person with a heavy XXXX accent said you have to at least put a down payment of {$1000.00} or more for a discounted price on the balance. We did not put any payments and we hung up. We would like some help to verify this " Debt Collector Agency '' to make sure its legitimate or we should avoid this bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX U.S Department of Education : XXXX XXXX, 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 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

XXXX  - XXXX please remove this inaccuracy from my report. I was never late on this account- Please check the status on this account 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 NJ XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$750.00} ; XXXX XXXX XXXX Balance : {$1100.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Equifax : XXXX, XXXX XXXX Equifax XXXX XXXXXXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax : XXXX, XXXX XXXX Equifax : XXXXXXXX XXXX XXXX Equifax : XXXX, XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX, XXXX XXXX Equifax : XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX Equifax : XXXX, XXXX XXXX Equifax : XXXX, XXXX XXXX Equifax : XXXX, has violated my rights.

I have already disputed these items with the bureaus, but they did not remove them, nor prove validation under Sec. 609 FCRA.

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
Product: Checking or savings account

Money hungry bank. People affected by covid and they still hit people with fees. Made a deposit through my phone since we had a XXXX family in our home and couldnt get out. Made a check deposit to cover what was coming out and still charged me a fee. Covid is not even over and been told many times they arent helping covid families.
Product: Mortgage

dear sir i did respond with a dispute-this is my XXXX complain on caliber home loan -- i did call to XXXX rep on this loan modification and geting deterrent answer-they asking me again and again to send them paper -- -please ask them to tell me in righting what they wont -- going to send them again-spoke on-XX/XX/2016 to id XXXX-on -XX/XX/2016 to id XXXX -- on XX/XX/2016 to id # XXXX also spoke to id # XXXX -- -also on this date spoke to manager XXXX id # XXXX they wont me to send again to them what i already send them -- -- -- -- -- also have a co helping me with all the paper theta they asking co name XXXX-debit management credit consulting i am sending back to them paper theta thy asking -also sent 2 email on the site caliber home loans -- -- on XX/XX/2016 i did send them all what they need, a-3 party send them all the wont to do a loan modification going to send them again -- can they be specific what they wont -please help-than you, please have them send in righting what they wont XXXX,
Product: Debt collection

I have mailed a letter on XX/XX/2024 via mail from my personal address to this local business and have not received a response. 

To Whom It May Concern, I am writing to dispute inaccurate information on my credit report, as allowed under 15 U.S.C. 1681 of the Fair Credit Reporting Act ( FCRA ). This law ensures my right to dispute and request verification or removal of incomplete, inaccurate, or unverifiable information. 



Specifically, I dispute the following item ( s ) : 1. Self/ South State Bank Reason for Dispute : This account does not belong to me Enclosed, I have included copies of my credit report with the disputed item ( s ) highlighted, as well as any supporting documentation that confirms my claim ( e.g., payment receipts, correspondence, or identity theft reports ).

As per the FCRA, you are required to investigate and verify this information within 30 days. If you can not verify the accuracy of the disputed item ( s ), they must be removed from my credit report.

Please provide written confirmation of the results of your investigation at the address listed above. If you require additional information, feel free to contact me. 



Thank you for addressing this matter promptly. 



Sincerely, XXXX XXXX with my number. address and social, a piece a mail as well.