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 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 on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply error resolution requirements under the Eletronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss, I seek appropriate for these violations.
Product: Debt collection

XXXX XXXX acct # 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 604 A. Section 2 : it also states a credit reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may may make any consumer report containing any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any credit reporting agency if the person knows or has reason to believe that the information is inaccurate. I never filled out for a XXXX  XXXX credit card and was incarcerated from XX/XX/XXXX to XXXX XXXX. This account was filled out for while I was incarcerated I explained that to them and they never took it off. They did take the debt amount down from {$1300.00} to {$0.00}. Which I am grateful for however it still is marked on my XXXX account as a charge-off and has been on my credit report for years while I was in jail. I disputed it when I got released and also made a complaint with the CFPB back in XXXX and they still have not removed it. I have also been filed a identity theft report with the proper authorities. Please help me.
Product: Debt collection

I recently pulled my credit report and discovered that you have reported that I owe a debt. To my knowledge I have never done business with your company and nor have you provided me any services or goods
Product: Credit reporting or other personal consumer reports

It has come to my attention several companies made a hard inquiries to XXXX, XXXX XXXX and XXXX without my permission or authorization and I would like the hard inquiries removed. I contacted each bureau and they said I need to file a report and get a FTC number to remove. 



There were several hard inquires made by XXXX by XXXX XXXX XXXX XXXX XXXX XXXX Discover, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had debt on a credit card in XX/XX/XXXX-XX/XX/XXXX. I was in a financial nightmare. I still am trying to dig out from the debt. XXXX XXXX had sent me a credit card ( XXXX XXXX Card ) I used it iin faithfulness of trying to keep up with the minimum payments. When it became to much I called them and they wouldn't work with me therefore I went into collections. Im XXXX and lived on a fixed budget. I can not hire an attorney so I wrote the CT Attorney General concerning this law suit from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  N.YXXXX. They sold this debt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX. These attorneys sent me a threatening letter saying they can garnish my wages and they are taking me to Court for this debt. They attached some of the charges I used and the amount that I owed {$2000.00} They have failed to mention the attempts of me contacting XXXX via phone. I have sent their names to the Attorney General XXXX in CT but I want the whole story clear. The Attorneys in above lines have made me very upset and as I struggle to make what was a bad time right now with paying other credit cards that were willing to work with me these Attorneys are causing me undue stress as well as the collections company who hired them XXXX XXXX. There is a statue of limitations and this is XX/XX/XXXX, when in fact XX/XX/XXXX all communications with XXXX  back stopped.Please advise I am placing a complaint against behavior as this. I tried to come up with a plan on the phone with XXXX XXXX  but it couldn't happen they destroyed my credit and now they are trying to destroy what credit I have built back up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to cancel the experian membership several times. Its long hold times I am told the wrong dept. no response to emails the chat lines are always closed now they are blocking me from seeing my credit report when I tried to cancel the membership prior to the 30 days trial. 

They should remove the block and cancel the {$24.00} membership It wont even allow me to contact them to cancel the membership
Product: Debt collection

Hi, I was a victim of identity theft resulting in 2 cars being purchased in my name. I called to inquire about this charge : PDQ Services INC ( XXXX XXXX. ) and come to find out I supposedly owe {$65.00} for a cancelled car insurance policy. I am desperately looking to close on a home and out of an attempt to get this off of my report I just went ahead and paid what I they said I owe- come to find out even though the debt is paid in full it is still going to be listen on my report. The agents name I spoke to was XXXX XXXX. I paid on XX/XX/2020. Confirmation number is XXXX and the account number associated with this collection is XXXX. I can provide identity theft police report if needed.
Product: Debt or credit management

I disputed an unknown account charge back in XXXX and was told the dispute would be completed by XX/XX/year> and its still in limbo. I reached out to credit karma in regards to the dispute not being processed who directed me to XXXX XXXX re-directed me back to credit karma and provided their phone number the number XXXX gave me was the XXXX  phone number.. dispute is still pending 2 months later
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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX 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

An item that was removed last year XX/XX/2016 has been reinserted and I did not receive documentation as to why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to get accuracy of this account to show that it belong to me. The original creditor has failed to do so. With my right of Fair Credit Reporting Act, to my knowledge, You are required to notify me within five 5 days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. Between XX/XX/XXXX and XX/XX/XXXX this file was re-inserted on my report. This company is causing financial distress as it making it hard for me to obtain creditworthiness.
Product: Credit card

I reached out to Aspire about a hardship I am currently dealing with. I received a correspondence on XX/XX/XXXX that I was enrolled into a special payment program that will reduced my monthly payments to XXXX a month. I was told that I was enrolled and I havent used my credit card since the hardship. I received a notification from XXXX XXXX  that my card was removed I reached out to aspire XXXX and I spoke to an agent and the agent told me that I am not enrolled. But an agent I spoke to last week told me I was enrolled. I should be enrolled into this program. I am being told different answers I am on a fixed income barely making it. I reached out again it is saying that the account is past due and in order to be in the program I need to make that payment I was not told that previously I responded to the correspondence on XX/XX/XXXX. And I agreed with the outcome and now your agents are giving me mixed answers
Product: Credit reporting or other personal consumer reports

I want to file this please as my formal complaint to CONN CREDIT CORP for allowing the fraudulent account on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report this fraudulent account is still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Mortgage

My complaint is with shellpoint mortgage servicing. 
Last year, during the pandemic, my house was in foreclosure and even had a sale date. 
I tried so hard to make a new payment plan or get modification from Shellpoint, it never worked. 
And one day they called me and if I come up with XXXX  of payments, they can make my mortgage current and cancel the sale date. 
I was so happy to hear that, so I sent XXXX of payments and they canceled the sale. 
And only a few days later, my loan was transferred to a new servicing company which was XXXX XXXX. And my payments increased by almost {$1000.00}. 
Shellpoint never told me about this. And a few months later my loan was transferred back to Shellpoint mortgage. 
Right now I am XXXX behind on my payment. They would not work out anything unless I sent another XXXX payment.
Product: Mortgage

I got behind on my mortgage do to XXXX and medical problems and we took in a XXXX XXXX. I have since fixed the problems and am able to make my payments but I am not able to make the XXXX PNC is asking for. I have called to make arrangement maybe to pay this over a 6-9 month period to get caught up but they told me I could not. I do have some of the money to pay now but they wont take anything except the full payment. We have lived here 27 years and I do not want to lose our home. We are hard working and have had some bad luck but I have no doubt I can get this turned around if they would work out an agreement to let me pay it back in 6-9 months. I can not do it all at once- thank you for your assistance
Product: Mortgage

Summary : iServe locked a rate for us and when interest rates went up they would not honor the 3.875 % locked rate. 
We worked for months with iserve to obtain a refinance on our home. We were not taking money out. In fact, we were putting money in and financing less that the previous loan, which had a balloon payment due XX/XX/XXXX. We started the process in XX/XX/XXXX. We started working with XXXX a " Senior Loan Officer ''. He had some sort of falling out with iserve, and we were restarted in XX/XX/XXXX with a new office and only had contact from a loan assistant, XXXX, for the first 2 months. They claimed they did not have any of the documents I had submitted to XXXX, and the whole process was started again. Despite how slow things were going, at least XXXX would return phone calls and emails when I asked for updates on the process. XXXX also had a problem and left iserve, at which time XXXX, a " Branch Manager '' took over communicating with me. It took until XX/XX/XXXX for them to make any progress, and we finally locked our rate at 3.875 % on XX/XX/XXXX. We were flexible all along with the loan amount. We started out asking for the complete amount owed, about {$250000.00}, but later were told we could qualify for a {$200000.00} loan and we would bring approximately {$50000.00} to the close. They knew I had other available funds and was flexible on how much I could bring to the close. All along I left multiple phone messages and email requests for updates from XXXX. She would go silent on us for weeks on end. She said she had ongoing family problems. Our problem was that everything was moving so slowly, and after the rate was locked I could not get in touch with her for information on the planned late XX/XX/XXXX close. She finally told me by phone that this loan would n't work. I asked if we could qualify for a lower amount. She said she would check on that and get back to me. I was never able to make any contact with her again, not by cell phone, office phone ( no one would answer the office line ), not by text message or email. Interest rates had a big bump up after the early XX/XX/XXXX presidential election and we believe that iServe did not want to honor the rate lock and so refused any contact with us. We had to start the process again with another company. I started the process with the new company in mid XX/XX/XXXX and we closed on our loan with on XX/XX/XXXX at an interest rate of 4.25 %
Product: Payday loan, title loan, or personal loan

So I took out a title loan was making payments on time made a payment for XXXX on XX/XX/2022 got in a accident the same day called my insurance company and they started the process at that point I owned XXXX so I called one main financial and they said I owned the XXXX so I called XXXX for the payout they got from one main financial and the payout was XXXX on XX/XX/XXXX my car value was XXXX deductable of a XXXX which totaled XXXX then on XX/XX/XXXX my gap insurance picked up XXXX so if you substract the payout amount from the XXXX you get a balance of XXXX they did not do this they started with the balance of XXXX which gave me a balance of XXXX so I called them and asked them what the payout amount was for this and they told me XXXX which I paid on the XXXX of XXXX which I shouldn't had to
Product: Credit reporting, credit repair services, or other personal consumer reports

I've previously disputed that this Bankruptcy account from the XXXX XXXX  XXXX XXXX XXXX IL is reporting inaccurately and should be removed from my credit report. You guys claimed that it was verified, which is odd because I've checked with the XXXX XXXX  XXXX XXXX XXXX XXXX IL and they have told me that they don't report to any credit Bureaus. I then told XXXX XXXX that they were reporting this bankruptcy inaccurately and they deleted this account from my credit report immediately. So again I'm confused on how you verified this account if the furnisher you have reporting says they don't even report to you guys and XXXX XXXX deleted the whole bankruptcy from my consumer report. Yall have committed fraud against me and if you do not decide to delete this account from my credit report after receiving this complaint you will be violating 15 USC 1681n for negligent compliance and I will have no choice, but to take you to small claims court to take legal action against you as a federally protectedconsumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple attempts with Experian to try and get a mistake with my address corrected by filing a dispute. I was sent dispute reports on XX/XX/XXXX, XXXX, and XX/XX/XXXX stating that the problem was corrected. It has not been corrected. The credit reports still show an incorrect address. I have spent hours on the phone being assured that the problem was fixed. It has not. I have sent numerous emails with all the details that have been answered with a form letter telling me to call the same dispute number which has failed to provide relief. The last email was sent on XX/XX/XXXX and was answered with another form letter telling me to contact the same number that has yielded no results. The incorrect address has resulted in me being turned down for credit due to an incorrect address. I have lived at this address for over 4 years and have had no problem like this before with anyone. 

Thank you
Product: Debt collection

Debts reported to credit bureaus by XXXX XXXX XXXX cell phone company.. Fraudulent activities, was done to account and I had reported to XXXX XXXX XXXX cell phone company, but they are damaging my credit. Wrongfully charge {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received a copy of my consumer report from Equifax. I proceeded to request a dispute of several items I found to be in violation of several consumer laws. On XX/XX/2022 I receive dispute results saying " WE HAVE VERIFIED THAT THIS ITEM HAS BEEN REPORTED CORRECTLY. '' and " WE VERIFIED THAT THIS ITEM BELONGS TO YOU. '' Another report dated XX/XX/2022 also states the same thing, even though I specifically pointed out that these accounts listed, do not have my written instructions to be reported in Violation of 87 CFR 41243, 15 U.S.C. 1681b and FCRA 604.a.2
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Im being harassed by collection company trueaccords. Ive been harassed for months with unknown reasons to collect money & illegal intent to extort me to pay unidentified debt to them. 

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

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had a credit card with US Bank that was not used. I received a statement in the mail for an annual fee I was unaware of. However, by the time I received the statement the annual fee was two months late. I called US Bank and closed the account. The representative told me there was nothing she could do about the late payment reporting to the credit bureaus. If this was a card I used, I would have paid it in full monthly like the other cards I have. However, since I don't use the card and did not receive statements, I had no way of knowing an annual fee had been charged to me and that the annual fee was treated by US Bank like a charge I made on the card and therefore since payments that were apparently due but I was unaware of were not made, they reported a 30 day and a 60 day lateness to the credit bureaus. I called in and closed the account on XX/XX/23 and was told fees would be reversed and are not due. However MUCH more importantly is that I need the late reporting to the credit bureaus reversed. I am XXXX XXXX XXXX and have never had a late reporting even once and I have high XXXX credit scores. It has been important to me to maintain excellent credit my entire life and I think US Bank needs to reverse their late payment reporting. Account number XXXX XXXX XXXX XXXX Thank you!
Product: Credit reporting or other personal consumer reports

Dear Whom this may concern I am writing to formally dispute the accuracy of a collection account that has been reported on my credit report. The details of the account in question are as follows : * Creditor Name : XXXX * Account Number : XXXX * Collection Agency : FAIR COLLECTION & OUTSOURCING * Date of Collection : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. I have reviewed my credit report and found that the above-mentioned collection account contains inaccuracies that violate my rights as a consumer. Specifically, {$9100.00} that is not the correct number the company can not provide me with a proper receipt for what was supposedly paid for. These inaccuracies not only misrepresent my creditworthiness but also contravene the stipulations outlined in the FCRA, particularly regarding the requirement for accurate reporting and the necessity for creditors to verify debts upon consumer request. Furthermore, under the Consumer Financial Protection Bureau ( CFPB ) guidelines, I have the right to request the verification of any debt. I have previously requested this verification from FAIR COLLECTIONS AND OUTSOURCING on XX/XX/XXXX, but have yet to receive a satisfactory response. This lack of response indicates non-compliance with consumer protection laws. In light of this information, I kindly request the immediate removal of this collection account from my credit report. I also expect a written confirmation of the actions taken in response to my dispute within XXXX days, as mandated by the FCRA. Please send your response to my address listed above. I appreciate your prompt attention to this matter and look forward to resolving this dispute amicably. Thank you for your cooperation. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third 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. 
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