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

I arn 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 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, 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 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 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 , U.S. Department of Education XXXX XXXX, 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, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw two inquiries on my credit report I dont recognize. One on XXXX XXXX XXXX  from a place called XXXX XXXX  and one on XXXX XXXX XXXX from a place called XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the following account such as XXXX and XXXX account, closed account with XXXX balances are reporting under my name, these are inaccurately reporting under mine, i have never had any XXXX   or XXXX account, equifax is not cooperating and is very much stubborn to have these two inaccurate and fraud account removed from their credit reports. please you are my last hope to have these inaccuracies fixed and removed from my equifax reporting. 
i will be attaching the documents such as the FTC reports and the police reports, same paper which i provided the equifax as well, they are not even disputing and very much on my nerves .appreciate your help in this matter thanks
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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
Product: Money transfer, virtual currency, or money service

This complaint concerns my personal account on Coinbase ( coinbase.com ), a centralized crypto exchange platform. On XX/XX/2023, XXXX XXXX XXXX, I received an email stating " Suspicious activity detected on your Coinbase account '' and my account has been " temporarily disabled ''. I have not violated any terms of services, I am the sole owner and manager of this account, and I have not observed any fraudulent activity on the account. ***I am unable to make any transactions, including withdrawing funds, on my account, with no explanation, timely updates, or a timeline as to when I will be able to move my money. I have talked to online support ( live chat ) multiple times and have been told that I must wait, with no updates. *** This is unacceptable and unprofessional behavior. I am requesting that this complaint expedite their review and/or immediately enable me to withdraw my funds and have my account restored. My most recent case reference number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I missed a mortgage payment in XX/XX/XXXX, but paid the account in full on XX/XX/XXXX. 
XXXX is reporting that the information was changed and the late payment is now showing up on my credit report in XX/XX/XXXX ( instead of XX/XX/XXXX where it was originally ). 
I have spoken to Rocket mortgage and they claim they never made the change, and I tired to dispute the error with XXXX, but they say it will be resolve within 30 days. 

I have been waiting to purchase a new property with the intention that on XX/XX/XXXX, this one late payment would no longer impact my ability to get a mortgage. As it turns out, I am afraid to apply for a mortgage now until this matter is resolved since I was told that I will not qualify for 1 year after a missed mortgage payment. 

Can you help me get this resolved quickly? I was hoping to purchase a property in XXXX.
Product: Debt collection

I bought a 2017 XXXX XXXX  in XXXX of XXXX. It was in a car wreck on XX/XX/XXXX and the car ended up being told out. My insurance payday loan someone money for the damages and for it totaled. I had gap insurance to cover the rest of the payment that would have been left over that my insurance did not pay. They are still calling me for money. They are on three all three credit bureaus and say I owe XXXX and something on dollars when I know for sure that this was taken care of and paid off. I had gap insurance for the remaining balance that my insurance company did not pay. They continue to call me and harass me on a daily basis. I would like this removed as soon as possible. As for I no longer owe this debt.Please fix immediately. I would really appreciate it. 
Thanks XXXX XXXX
Product: Debt collection

With the hurricane that recently impacted Central Florida we are self-employed and were out of work. I recently filed my taxes for the whole year. My husband and I made {$12000.00}. I had to go into the hospital. I hurt my shoulder, putting a tarp on our roof after our roof was damaged. From the hurricane. Florida passed a law last year that medical bills can not affect your credit asset care. Which is a debt collection agency posted on my credit report a few days ago the negative impact of my credit score dropped XXXX points. I was shocked. Ive spent so many years building my credit and paying all of my bills on time and working as hard as possible. I was unaware that a medical debt could drop your score like that.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : 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
Product: Credit reporting or other personal consumer reports

This letter serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ) and specifically 15 U.S.C. 1692c ( c ), requiring you to cease all communication with me regarding the alleged debt associated with the account. In the amount of {$1100.00} As stated under 15 U.S.C. 1692c ( c ), once you receive this written notice, you are legally obligated to stop all communication with me concerning this matter, except to : Notify me that your further collection efforts have been terminated ; Inform me of any specified remedies that may be invoked by you or the original creditor ; or Notify me of your intent to invoke a specified remedy. 
Furthermore, I am formally notifying you that I consider any updates to my credit report as a form of indirect communication regarding this account. If you continue to report, update, or otherwise communicate through credit reporting agencies, I will consider this a violation of the FDCPA. 

If this account is in dispute, I reserve the right to validate or challenge its accuracy, and I expect all collection activity to be suspended as per applicable laws. Any further communication with me outside the outlined exceptions or continued reporting on my credit report will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal action if necessary. 

Please confirm in writing within 14 days of receiving this letter that you have complied with my request to cease all communication and activity related to this account. 

You may only contact me to provide the requested confirmation or if legally required to inform me of one of the exceptions noted above. 

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

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXXXXXX Balance : {$15000.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with the accounts below. The current status should not be showing late payments because I paid it on time. EQUIFAX Credit Reporting Agency lacks proper record keeping. The accounts are closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 

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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : 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 XXXXXX/XX/year>
Product: Payday loan, title loan, personal loan, or advance loan

I received a voicemail from Credit Central - XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX. A lady called looking for XXXX XXXX regarding a loan she received. XXXX XXXX used my name as a contact for this loan ( recently learned there are others loans where she is using me as a contact ) and they like Credit Central Never called to confirm consent from me to be used as a contact on this loan. I have a mortgage loan origination license, insurance adjuster license and a non-profit organization which is why I would not sign on behalf of another persons loan ( even as a contact ). I have been trying to contact Credit Central, left voicemails and no call back as of to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and is being ignored regarding my disputes. Section 611 ( a ), its plainly stated that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hand of the wrong person.
Product: Debt collection

I am writing regarding the account. Please be advised that I am unwilling to pay toward this account. I recently applied for a mortgage and was denied, I sent serval letters asking and informing you that this account is no longer disputed by me. My XXXX  XXXX says that I will be denied because of this. I currently have a XXXX with XXXX XXXX with XXXX and a XXXX with XXXX. With those score I am able to qualify for first time buyers and other programs regards of collection just can't be in dispute. I know it may not mean much to you but it means a lot to my family. I've been disputing this account for the past 3 months with no proper documentation received or notification of such debt. My husband has now lost his job and the apt we have no cost way to much. 
I was hoping to be in a house of my own it would've been cheaper than renting if you knew anything about living in XXXX XXXX. But not only that, you guys are duplicating the account XXXX for {$770.00} and XXXX for {$2200.00} making it seem as if I have XXXX collections with you guys and when in fact I only have XXXX. This is deceiving to me and other creditors when they pull my report. Fix it please.
Product: Mortgage

An Alleged lender is stating that they have an interest in my property. I have requested proof of their claim of a loan, for this not the lender I contracted with. However, this lender admitted they did not have the blue wet ink original documents as required by law. Addition to this the lender has now taking action to sell my land in an auction scheduled XX/XX/XXXX. Without an Court order.
Product: Student loan

I am writing to express my concerns regarding the management of my student loan account with MOHELA, particularly related to my enrollment in the Saving on a Valuable Education ( SAVE ) Plan. 

Account Details : Account Statement Date : XX/XX/XXXX Last Payment ( Effective Date ) : XX/XX/XXXX Regular Monthly Payment Amount : {$430.00} Amount Paid Since Last Statement : {$0.00} Past Due Amount : {$880.00} Total Amount Due : {$1300.00} Chronology of Events : Enrollment in SAVE Plan : In XX/XX/XXXX, I collaborated with a MOHELA representative to enroll in the SAVE Plan, resulting in an agreed monthly payment of {$10.00}, no interest, and payments counted towards PSLF. 

Initial Payment : The first payment of {$10.00} was successfully processed on XX/XX/XXXX. 

Subsequent Payment Issues : Following the initial payment, I was informed of an injunction affecting the SAVE Plan. Consequently, my monthly payment increased to {$430.00} without prior notification or explanation, leading to account delinquencies. 

Website Notification : Upon accessing the repayment options on my account, I encountered a message stating, " You are currently in an alternative plan, Contact Us for further assistance. '' Attempts to Resolve the Issue : Phone Calls : Since XX/XX/XXXX, I have made multiple attempts to contact MOHELA 's customer service. Each attempt resulted in extended wait times, often exceeding five hours, without successful resolution. 
Messages : I have left several messages requesting assistance but have not received any responses. 

Impact : The unexpected increase in my monthly payment and the lack of effective communication have caused significant financial strain and stress. The accruing delinquencies on my account are a direct result of these unresolved issues. 


I appreciate your immediate attention to this matter and look forward to a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Equifax continues to verify the accounts that are inaccurate. A proper investigation has not taken place because inaccurate accounts remain on my report. 



Delete XXXX XXXX XXXX XXXX due to inaccuracy. Date opened for XXXX XX/XX/XXXX, Date opened for XXXX XX/XX/XXXX, and XXXX opened for Equifax is XX/XX/XXXX. All three credit bureaus are not reporting the same date which mean the account in inaccurate. 

XXXX XXXX XXXX XXXX due to inaccuracy. Date opened for XXXX XX/XX/XXXX, Date opened for XXXX XX/XX/XXXX, and Date opened for Equifax is XX/XX/XXXX. All three credit bureaus are not reporting the same date which mean the account in inaccurate. 

XXXX XXXX XXXX  XXXX due to inaccuracy. Date opened for XXXX XX/XX/XXXX, Date opened for XXXX XX/XX/XXXX, and XXXX opened for Equifax is XX/XX/XXXX. All three credit bureaus are not reporting the same date which mean the account in inaccurate. 

XXXX XXXX XXXX  XXXX due to inaccuracy. Date opened for XXXX XX/XX/XXXX, Date opened for XXXX XX/XX/XXXX, and XXXX opened for Equifax is XX/XX/XXXX. All three credit bureaus are not reporting the same date which mean the account in inaccurate.
Product: Credit reporting or other personal consumer reports

Removal of Inaccurate Charge-Off Barclays Bank Delaware XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Charge-Off Reporting Barclays Bank Delaware Dear CFPB Representative , I am formally disputing the inaccurate reporting of a charged-off account by Barclays Bank Delaware on my credit report . The account was sold to XXXX XXXX XXXX, and the original creditor no longer holds the debt. Despite this, Barclays continues to report the charge-off, which violates the Fair Credit Reporting Act ( FCRA ) and misrepresents my creditworthiness.

Basis for Dispute Double Reporting of a Debt ( FCRA Violation - 15 U.S.C. 1681s-2 ) Barclays charged off and sold the account to a third party, XXXX XXXX XXXX XXXX 

Per Saunders v. Branch Banking & Trust Co., 526 F.3d 142 ( 4th Cir. 2008 ), once a debt is sold, the original creditor can not continue furnishing negative information that misleads creditors. 

Barclays should have updated the balance to {$0.00} and ceased reporting, but the charge-off remains active. 

Failure to Maintain Accurate and Complete Information ( FCRA - 15 U.S.C. 1681e ( b ) ) The charge-off notation suggests Barclays still owns the debt, which is false and misleading.

Case Law : Hinkle v. Midland Credit Mgmt., Inc. , 827 F.3d 1295 ( 11th Cir. 2016 ) established that creditors must ensure the accuracy of their reporting.

Unfair & Deceptive Practices Under the FDCPA - 15 U.S.C. 1692e Reporting a charge-off after selling the account to a debt buyer creates confusion and damages credit scores unfairly.

Under Macik v. JPMorgan Chase Bank, N.A., 66 F.4th 863 ( 5th Cir. 2023 ), this practice can be deemed misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have done everything in my power to have these accounts removed. These derogatory accounts have been paid and settle properly upon the settling terms. The accounts initially went negative due to the effects of Hurricane Harvey. I still did my part and paid as promised. The companies are refusing to remove the account from my report. The accounts are old and need to be removed so I can move on with my life and continue to prosper and finish my revery process. JPMCB, Chase has stated that they do not remove accounts from the credit report at all which I know is not true.