23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I am not sure if this is the right category for my complaint. I have contacted all three credit bureaus about my credit score decreasing by XXXX points. After speaking to a representative at both XXXX and XXXX about the issue they assured me the credit bureaus would have to explain what happened. So far none of the XXXX have been able to explain it. I pay XXXX {$6.00} a month to lock my credit report and notify me of any changes to my report. No one can access my report without my knowledge or permission. XXXX, a creditor of mine, arbitrarily, increased my credit limit from {$350.00} to {$600.00}. I did not request the increase and XXXX did not view my credit report. My credit score went from XXXX to XXXX on XXXX and also dropped significantly on the other XXXX bureau reports. Each agency has tried to speculate about what possibly happened and none of the scenarios presented are applicable to me. My credit utilization went from 74 % to 61 % and that, based on all credit simulators and credit information online should have increased my credit score and not caused it to drastically decline. The representative at XXXX indicated I need to go out and use some credit. I do not want to keep increasing my debt in order to raise my score. I am currently trying to obtain a mortgage and have been diligently working on my credit score over the last several months raising it up from low XXXX to almost XXXX. After an unsolicited {$250.00} increase to a card with a {$93.00} balance my score drops like a rock! XXXX told me I need to seek a credit expert. I do not need a credit expert. I need to know why decreasing my utilization had an adverse effect and not a positive one as it should have. There is something very dishonest about this and because the credit bureaus attempt to say this process is done by some random calculation of the information is deceptive. Computer programs can be fixed for any given result. This is not random and take into consideration, now " XXXX '' is affiliated with XXXX major credit reporting agencies constantly making " recommendations '' to apply for additional credit and the credit bureaus are constantly pushing credit monitoring products for profit. I am not in control of my credit, the credit bureaus are controlling my life and taking away my choices. This is a scam to benefit the credit bureaus, credit card companies and not the consumers. I am being victimized, manipulated and exploited because I need to utilize the credit reporting system in order to acquire the basic necessities of life. I am not sure if this is a matter for this agency, for legislature or if I should contact an attorney but I am covering all bases. Average hard working people need regulations for this type of greed, abuse and victimization.
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 50 financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

they sued me, the debit collection co. LVNV funding LLC.the debit was handed over to Resurgent capital services L.P. also listing XXXX XXXX XXXX. The original invoice with the charges was from XXXX XXXX XXXX an electronics store {$2000.00} on XXXX XXXX saying i made one payment of {$77.00}. none of this was from me I have no recollection. 
They sued me i recieved papers in the mail about it and looking it over I was saying this is not me. I did not have enough to hire a lawyer, I did not apear in court the comany LVNV funding LLC with its lawyers XXXX XXXX XXXX from XXXX XXXX  won judgement over me. 
Now they are trying to garnish my wages, sending papers to my previous work place. I am a retired man of XXXX on limited income, my old company marked that i no longer worked there. This is where I am at right now. 

* I have also recearched LVNV funding LLC, they have done the same to others in my state, there was a news report from a lady going through the exact same thing as me and for about the same amount.
Product: Mortgage

I sent a RESPA letter to SPS and called them regarding an inaccurate pay off statement and inaccurate statements. I called SPS and talked with XXXX XXXX and asked her : 1. Why the amount to reinstate my mortgage was {$450000.00} on my XX/XX/18 Statement versus {$260000.00} on my XX/XX/18 Statement. 
2. What is the recurring " Other Charges and Fees '' ( see XX/XX/18 statement ) of {$5300.00}. 
3. Why the historical past due amount for XX/XX/18 on my XX/XX/18 statement was {$3400.00} and changed to {$2400.00} on my XX/XX/18 statement. 
4. Why did my mortgage payment go from {$2400.00} to {$5300.00} on my XX/XX/18 mortgage statement. 
5. How do you justify charging a monthly mortgage amount of {$5300.00} plus {$5100.00} in Other Charges and Fees of {$5100.00} ( see XX/XX/18 stmt. ) for a total of {$10000.00} solely for XXXX.. 
XXXX ' could not answer the questions and their RESPA response did not answer the respective questions. XXXX stated that the statements were in error and were a projection. She went on to say that the loan had been delinquent for too long to provide an accurate accounting.
Product: Credit reporting or other personal consumer reports

I've reviewed my consumer reports and noticed that I had four late payments on XXXX XXXX  Account that I was never late. 
following accounts on the following date ( s ) : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. 

If proof can't be provided I demand these payments be updated as paid as agreed on time as they should be due to the fact I was never late.
Product: Credit reporting or other personal consumer reports

Data Was Exposed in Data Breach. I am Challenging all Accounts on XXXX Due to my Data being Exposed in a data breach According to 15 usc 1681i ( a ) 1 The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph. The Company Failed to do so. So under section 605 B, i am formally Requesting this to be removed in 4 days.
Product: Credit reporting or other personal consumer reports

I received a new copy of my credit report a week ago and I checked that I had an account credit card account opened without my knowledge. Discover Bank put an Account Review Inquiry on my XXXX Credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - Submitted debt validation in writing. Company originally removed from credit and the replaced back without written notice.

XX/XX/XXXX - never received written notice to validate debt.

XX/XX/XXXX - currently reporting that the debt is refinanced. How do you refinance a collection and incorrectly reporting amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of mt credit report and noticed that these accounts I did not apply for nor did I Have any knowledge of these accounts please look into this matter please and Thank you
Product: Money transfer, virtual currency, or money service

Using zelle numerous times and reporting discrepancies
Product: Credit reporting or other personal consumer reports

According to the FCRA 15 USC 1681 ( e ) ( b ), my credit report should display the maximum possible accuracy. However, this is not the case because this credit reporting agency is purposely violating my consumer 's right by displaying numerous inaccuracies for this account which is negatively affecting my creditworthiness. 

Attached is the proof of this consistent VIOLATION of my consumer 's right in which this Charged Off account is being reported as " CO '' in the payment history/summary consecutively for the last 4 months which is impossible because the account can ONLY be charged off ONCE since it is dormant, not month after month. Due to this reported inaccuracy, this illegally resets the statute of limitations which once again is a VIOLATION! 

Please delete this account immediately! 

Account Name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

My information was disclosed/Shared to a third party without my permissible purpose or written/verbal consent! As per the FCRA, as a Federally Protected Consumer, I am now OPTING OUT of ANY and ALL Authorization that I, XXXX XXXX XXXX, may have given the data furnisher ; whether written, unwritten, verbal or non-verbal as per : 12 CFR 1016.7 ( a ) ( 1 ) ( ii ) - Form of opt-out notice to consumers ; opt-out methods 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information ***This Opt-Out Authorization is effective IMMEDIATELY and INDEFINITELY! My Financial information was shared with Early Warning Services without My Consent. I do not want any of my financial information about my checking account shared with early warning systems in anyway.

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.

15 USC1681 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. ( Furnisher of information to reporting agencies ) the financial institution and the Consumer reporting agency EARLY WARNING SERVICES do not have my consent to furnish this information and they surely do not have my written consent. 
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 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.

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.

15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
XX/XX/XXXX In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit card or prepaid card

Last summer I participated in a XXXX campaign for toy animals which ended XX/XX/XXXX and was charged {$70.00} for my pledge on my Discover card. The creator 's last post was XX/XX/XXXX and has subsequently vanished. There was no survey sent out, no one involved received their items, and one of the other backers discovered the " creator '' had used photographs of someone else 's creations which are available on XXXX. Backers involved including myself contacted XXXX who have done nothing despite the person behind the campaign clearly having taken the money and run. Some backers contacted their banks and were refunded. I paid via Discover card and opened a dispute for my {$70.00}. Well, despite their claims otherwise Discover does not protect their customers. The dispute department discerned based on zero evidence that it was a valid transaction and refuses to refund my money. They demanded proof and I showed them copies of the very public discussions between the backers over the past 8 months saying they'd gotten no response from the " creator '' whatsoever. It's been repeatedly reported to XXXX who've done nothing. I made a purchase and received nothing. It's not a case of the creator having difficulties or delays. This is quite obviously a case of " take the money and run ''. There is no other proof I can show other than 'I along with other py paid for something and never received it, AND the person behind the campaign is a scanner '. I have been a good customer with Discover since XXXX and I can't believe they'd be willing to lose me over {$70.00}. Other people got their money back. This is ridiculous.
Product: Credit reporting or other personal consumer reports

On XXXX XX/XX/2023, I closed on the selling of my home. The mortgage was through Mr Cooper / XXXX Mortgage company. Initially, the closing was uneventful, however there were issues between the Title company and Mr Cooper for 2 months following the closing. Mr Cooper continued to be difficult with the Title company, and would not accept the payoffs that were sent to the mortgage company. At one point, a Mr Cooper representative even claimed they did not know what they had done with the payoff money. On my end, the mortgage began to show overdue, and requiring a payment even though the home had been sold and the mortgage should have been paid off. I talked multiple times to Mr Cooper, and they assured me they knew my account was not actually late, but that it was an issue between them and the title company. I was comfortable with those statements, however yesterday my credit report showed a 30+ day late mortgage payment, and my score dropped XXXX points. At this point, the mortgage has officially been paid off, I just need the late payment removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be going to XXXX XXXX XXXX  as well as XXXX. I have also sent a copy to CA Attorney General. XXXX XXXX XXXX. Yes you changed the terms per in writing Giving 6 months to pay off interest free As on a XXXX loan I have paid you XXXX and still seem to owe XXXX. And as I have stated multiple times. The agreement was to make a payment once a month. You received a payment in XXXX and XXXX and reporting late on Credit Report. Now when you changed the terms of it for to be 6 months interest frXXXX XXXX payment. It did not specify a dollar amount. Now I had payments of XXXX that wXXXX XXXX XXXXyment. I never receive a bill and can not pay online. I still do not have receipt of XXXX payment I had to make over the phone. You changed the terms, which is fine but you can not change terms, not be specific and expect me to be a mind reader. If I pay XXXX in one month and XXXX in the next it does not matter as I am paying it. And you can not report late when you change the terms, then do not specify amount or send statement or bill with what you were expecting. one payment for me was XXXX then you say you meant something else. Now while I appreciate I have til XXXX to pay this off interest free. You can not report late pay when I pay as you I understood what you were writing and then you say you meant a different amount. I will not be penalized and I would have paid a different amount as too not affect my credit.
Product: Debt collection

I took my son to an emergency room visit on XX/XX/2022. I arranged a payment plan and put my XXXX debit card on file to use. I was unaware that the payments did not go through until I got a letter from a debt collector. 

I have paid in full as of today and want to contest any reporting to credit bureaus about this debt that may affect my credit score. There was insufficient information from the hospital regarding my son 's bills for his visit.
Product: Debt collection

Challenge Services send me a subpena in which i replied in a time in a timly matter with the court and send them a registered letter, and they are using the tactic of not received the reply in a timely matter to get the court to get a judgment against me. 

Plaintiff : Challenge Financial Services XXXX XXXX XXXX XXXX XXXX Ca XXXX Ph XXXX XXXX case # XXXX Defender : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX
Product: Debt collection

I am writing to you regarding a debt that your company, Allied Interstate LLC, is attempting to collect on behalf of XXXX XXXX. The amount in question is {$390.00}, with a date of balance o

f XXXX XXXX, 2020. After careful review, I do not recognize this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I am requesting validation of this debt. Please provide all relevant information, including : 1. The name and address of the original creditor. 
2. A copy of the original agreement or contract that shows I agreed to pay the debt, specifically including evidence of my in-person signature. 
3. A complete account history, including any charges and payments made. 
4. Evidence of the identification or identifications presented at the time of account opening or at any point of transaction relevant to this debt. 

According to the FDCPA, specifically 15 U.S.C. 1692g ( b ), collection activities must cease until this debt is validated. If you can not provide the necessary validation, I request that you : 1. Cease all collection activities related to this debt. 
2. Remove this debt from my credit report. 
3. Confirm in writing that you have complied with these requests. 

Please be advised that any further attempts to collect this debt without providing the requested validation may result in a complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for violating the FDCPA.
Product: Credit reporting or other personal consumer reports

Equifax has reported fraudulent accounts and unauthorized inquiries on my credit file, including XXXX ( {$380000.00} opened XX/XX/XXXX ), XXXX XXXX XXXX ( {$2800.00} opened XX/XX/XXXX ), and inquiries from XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX  ( XX/XX/XXXX ). Despite submitting an FTC Identity Theft Report and supporting documents, Equifax failed to conduct reasonable reinvestigations as required under 15 U.S.C. 1681i, did not ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ), and refused to block identity theft-related data per 15 U.S.C. 1681c-2. 

Equifaxs inadequate dispute process violates consumer protection standards outlined in CFPB XXXX XXXX. XXXX, causing significant harm to my creditworthiness. I request immediate deletion of these items and compliance with federal laws.