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 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: Debt collection

XXXX, I had a XXXX breakdown due to a XXXX  of my partner. I had a account with XXXX XXXX XXXX which the balance was XXXX and went into a bad XXXX which I stop paying all my bills.I was getting harassing calls from them and the calls stopped. In XX/XX/XXXX, credit solutions corp which now has a balance of XXXX started harassing me with threats and obscene language a nd kept calling me from different numbers. I recently received my credit report and noticed I had a pending collection on my credit report.To my understanding, XXXX XXXX XXXX had a profit and loss on this account and some how got resold to Credit Solutions Corp . This activity is illegal and want this account removed from all XXXX credit bureaus immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

When Collection agency first contacted me, I was only told that if I did not pay the debt off, my name would be reported to all XXXX credit bureaus. I was not told I had the right to verify the debt and that by disputing it, I would not have to pay anything until the issue was resolved. I agreed to pay XX/XX/XXXX, but only found out by mail a week later that I could have disputed the debt until I received verification. I then wrote to the Collection agency as did an attorney on my behalf asking them to cease further collection until the dispute was resolved. They still automatically withdrew money from my checking account this month, putting me in a very awkward position financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XX/XX/XXXX {$27000.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX  Original Creditor XXXX XXXX  XXXX ) XXXX XX/XX/XXXX {$520.00XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 
I waited 30 days and received my investigation and noticed everything was still the same. The consumer reporting agencies Which is XXXX, XXXX and Transunion did not modify or remove anything. 
So I asked for the description of the investigation accoring to 15 USC 1681i. I still didnt receive anything. 

XXXX XXXX {$510.00} XXXXXXXX XXXX XXXX {$12000.00} XXXX XXXXXXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$12000.00} Transunion XXXX XXXXXXXX XXXX {$800.00} XXXX XXXXXXXX XXXX  {$700.00} XXXX XXXX {$4100.00} XXXX {$570.00} XXXXXXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX  {$440.00}
Product: Credit reporting or other personal consumer reports

Urgent Compliance Notice : Immediate Attention Required for FCRA Violations I trust this letter finds you in good health. I am writing to bring to your immediate attention a critical matter involving the unauthorized disclosure of my credit information. 
As an individual deeply impacted by my upbringing and surrounding environment, the protection of my personal data holds paramount importance. My unique circumstances have instilled in me a profound awareness of privacy and the crucial necessity for consent in the sharing of sensitive information. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - " Permissible purposes of consumer reports, '' it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned. It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information. 

Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX [ XXXX ] [ XXXX ] [ EQUIFAX ] To Whom It May Concern : I am writing to dispute an unauthorized credit inquiry on my credit report. The inquiry was made by [ XXXX XXXX XXXX XXXX [ XX/XX/XXXX ]. 
[ XXXX ] on [ XX/XX/XXXX ] [ XXXX ] on [ XX/XX/XXXX ] [ XXXX XXXX XXXX XXXX ] on [ XX/XX/XXXX ] [ XXXX XXXX ] on [ XX/XX/XXXX ] [ XXXX XXXX ] on [ XX/XX/XXXX ] [ XXXX XXXX ] on XXXX XX/XX/XXXX ] [ XXXX XXXX XXXX / XXXX XXXX XXXX [ XX/XX/XXXX ] I did not authorize this inquiry and believe it was made in error. 

I request that this inquiry be removed from my credit report as it is negatively impacting my credit score. I have attached a copy of my credit report. 

I am aware that under the Fair Credit Reporting Act, you have 30 days to investigate my dispute and respond with your findings. I request that you notify the furnisher of this inquiry and request that they remove it from my credit report as well. 

If you find that this inquiry was made in error, please remove it from my credit report immediately. Please provide me with a written response when the inquiry has been removed from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

I have been making payments for my student loans with Aidvantage since XXXX of 2024 and have also been on the SAVE plan since then. I have already filed a complaint against them for ignoring the forbearance and continuing to charge interest against my loans. They said interest stopped accruing in XXXX of 2024, but this shouldnt have been the case and even today I can see from past payments that interest has been accruing, even during my forbearance
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Please update this account as paid in full as its been paid off for months now and you have not updated. 


XXXX XXXX XXXX Account number XXXX Account type Balance {$41000.00} Balance updated XX/XX/2022
Product: Vehicle loan or lease

He considered that Santander XXXX XXXX should remove this account from my credit bureaus, because my income DOES NOT qualify for such a high monthly payment and I consider a guarantee on this business, knowing that with such a low amount of income at any time there was very high probability of not being able to pay it. I urge you to review my account and to honestly consider the removal of it, also taking into account the amount of money that was paid and the conditions and value of the returned vehicle. Thank you for your attention, I would also appreciate your cooperation, it is affecting my credit advance. THANKS IN ADVANCE. XXXX XXXX XXXX XXXX.
Product: Checking or savings account

Filed two a claim against a company and the first one was issued provisional credit. Second claim was not because I was told it was filed wrong. Called the bank and told them it was the same dispute as the first one that was issued credit. They told me they would refile. After not hearing anything I was told it was never refiled, so I asked for a supervisor. I was then told I would be called back. Was called back by someone in the executive office who told me she would file claim correctly and would keep me informed. At this point my account is overdrawn so I asked if I cant be issued provisional credit please give me a call so I can make a deposit. Never heard from her. Account was charged off and was told I couldnt be issued provisional credit I would have to wait until results of 2nd claim although first one had been paid. Results can back in my favor. I was originally told I could go to the bank and receive funds and now I am being told that I checked will be mailed in the business name well they closed my account for no reason and that was the only business account I had. Now Im being told the check will be in the business name so how am I suppose to cash it at another bank when that was the only business account I had? They opened the account back up to make the deposit and then closed it and are going to mail me a check now which makes no sense when they could have just left the account open since it was not my fault it got closed. Its like I am being pushed for filing a LEGITIMATE claim and I have no access to getting my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX and XXXX XX/XX/2021 the mortgage company Mr. Cooper, requested a copy of my credit report with my consent or permission.
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 XXXX  consumers XXXXThis 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 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

Since XXXX XXXX, XXXX I have repeatedly asked Equifax , XXXX, and XXXX to remove an item on my credit report that was caused by an authorized user back in XXXX. The above agencies keep telling me that the reporting is accurate and refuse to remove XXXX XXXX XXXX account number XXXX as an item that does not belong to me. 
On XXXX XXXX, XXXX I contacted XXXX XXXX XXXX and asked them as a Good Will gesture to remove this item so that I could purchase a car. 
I received a letter from XXXX XXXX XXXX asking me to call them. I called them this morning, XXXX XXXX, XXXX and spoke to XXXX then manager XXXX at XXXX. I was told that they had to accurately report MY credit and that they could not remove said item from XXXX, XXXX or Equifax. I quote to them that they were in violation of Section 1681n and Section 1681o of the Fair Credit Reporting Act. ( This is not my account ). 

I was refused a good will gesture because I was the primary on another account that was linked to this card. I was never on this bank card and should not be penalized for something that I did not do. I am including copy of that letter, copy of credit bureau update, and copy of my fourth letter to all agencies asking them to remove said item from all three agencies.
Product: Credit reporting or other personal consumer reports

In accordance with the fair reporting act the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX Account # XXXX Account name XXXX XXXX Account # XXXX Account name XXXX XXXX Account # XXXX Account name XXXX XXXX Account # XXXX I looked at my XXXX credit report and noticed somethings are incorrect and incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information Concerning the individual about the report relates according to 15 USC 1681EB and according to 15 USC 1681 I ( 5 ) they are supposed to do this 5 treatment of inaccurate or unverifiable information ( A ) In generallf after any investigation under paragraph one ( 1 ) of any information disputed by a consumer any item of information is found to be inaccurate or incomplete or can not be verified the consumer agency shall ( I ) promptly delete that item of information from the file.

And according to 15 USC 1681 S -2 They are not supposed to 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

I called XXXX  ( XXXX ) XXXX on XX/XX/XXXX at XXXX XXXX  XXXX, representative XXXX answered the call and hung up on me. According to recent CBR, XXXX XXXX XXXX reported a visa account as ( Inactive ), all of the years, from XXXX  through XXXX  in " good standing '', account was closed by me in XXXX of XXXX. They indicate the account was in dispute, under investigation, what is not reported is the investigation was concluded to my satisfaction, and I won the dispute, and the closing account balance was XXXX  where merchant refunded the money to my Visa. 
The XXXX XXXX XXXX  either should report the dispute was resolved to card holder 's satisfaction, or remove it because the seller refunded my account, no final balance there remained. & the fact that I closed the account myself. 
If they insist on the reference to dispute to remain on my CBR, they have to warrant their position by the dollar amount that was charged off against my Visa. However there was a merchant refund, and XXXX  balance. So allegation of charge off or loss to XXXX XXXX XXXX is false and fabricated. Or inclusion of " account under investigation '', is done by XXXX  maliciously, I was the innocent party in the transaction. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite numerous written requests, the unverified accounts listed below are still appearing on my credit report, which is a clear violation of federal law. XXXX Credit Bureau has failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i, within the legally mandated timeframe. Their continued reporting of unconfirmed information, despite my efforts to address it directly with the creditor, amounts to willful negligence and non-compliance with federal statutes. I demand the immediate and complete removal of the following accounts from my credit reports.XXXX  XXXX, XXXX XXXX and XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX and XXXX XXXX.
Product: Checking or savings account

XXXX of XXXX I initiated a stop payment request with Wells Fargo Bank on a check that had been lost. The check was for {$150.00}. The stop payment charge was {$30.00}. In XXXX of XXXX, the check had been found, cashed and was pending processing by the bank when discovered the transaction while checking my account on-line. 

When I contacted the bank to ask why the check was accepted, I was informed that the stop payment was valid for only 6 months. Any subsequent stop payment would be subject to an additional charge. 

I have since resolved the issue with the cashing party nor do I request any re-imbursement from Wells Fargo. My concern is that if that check was for a much greater sum I would have been forced into a choice if renewing the stop payment every 6 months or hoping the check would never be found and cashed. 

I contacted the XXXX XXXX XXXX XXXX  with a consumer complaint that stop payment of a check be honored by Wells Fargo in perpetuity. 

Below is the text of the reply from Wells Fargo that the XXXX XXXX XXXXXXXX forwarded to me : We have enclosed page 24 of the Wells Fargo Deposit Account Agreement. Per page 24 of the Wells Fargo Deposit Account Agreement ; a stop payment on a check is valid for six months. We may pay a check once the stop payment order expires. You must request a new stop payment order if you dont wasnt it to expire and we treat each renewal as a new order, and a new fee will apply. Your responsibility after we receive a stop payment on a check. Even if we return a check unpaid due to a stop payment order, you still may be liable to the holder of the check. 

XXXX XXXX XXXXXXXX office informed me that they have no influence with Wells Fargo other than register a complaint on my behalf, but recommended that I forward my concerns to you.
Product: Credit reporting

Experian is not responding to any of my numerous requests to investigate, verify and remove some accounts from my credit report that do not belong to me.
Product: Vehicle loan or lease

I've been calculating the total sun I've been paying with American Credit Acceptance since XX/XX/XXXX. I financed this vehicle in XXXX of XXXX. I've made on time payments up until XX/XX/XXXX-XX/XX/XXXX. From XX/XX/XXXX-XX/XX/XXXX  I've made lump sum amount to cover for my late payments, no including late fees. XX/XX/XXXX, I called the company and asked them how come none of the extra payments that I am making is going towards my late fees and will I be credit for the next making for making payments ahead. They told me that I have to call customer service for all of my late fee payments in the future and that I wasn't able to do that online. I wasn't aware of that rule, but on their website it states that : ACA applies your payments in the following order. 

Miscellaneous fees ( e.g., repossession fee ) if applicable Interest ( currently due ) Principal ( current and past due ) Fees ( e.g., late/NSF ) Remaining Principal So, when I was making large payments amount NONE of them were going towards my late fees whatsoever. Once I call the customer service and took care of it, which there is proof on my transaction history and on a recorded line, which they said they use when calling, it would say I made a payment of {$76.00} not including the {$6.00} fee they charge when making a payment. Till this day, I still owe them a late fee of {$75.00}. I called them about a month later asking why was I still being charge for a late fee when I've been making online payments on time since the beginning of the year. The customer service person told me that the payments I made didn't goes towards my late fee. It went towards my billing. I ask can the payment be reversed to my late payments and they said no but they can applied it to my billing the next time I pay. 

I didn't understand why my {$76.00} payment didn't go towards my late fee when I specifically called just for that payments to go there. Also, the first time I called they told me I had " one month free '' of payment for paying early meaning I didn't have to make a payments until XX/XX/XXXX which if you calculate the payments I made in total, {$6000.00}, to how much I am supposed to pay monthly, {$7400.00}, the difference of the payments are {$600.00}. I've asked where is my forwarding payments that I've made and they couldn't come up with a reasonable answer. I am still making my payments every two weeks and I will call them to do a final follow up on my account. Thank you for listening.