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

I am filing a complaint against CashApp ( Block.Inc ) due to inadequate costumers service and unfair practices, which violates 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 or other personal consumer reports

I have repeatedly tried to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report, but it persists. These erroneous entries have seriously affected my life, causing considerable stress and XXXX. I want to emphasize that I never authorized or consented to this information being associated with my name, as I am a victim of identity theft.
Product: Debt collection

A collection company is listed on my credit profile under the name of Cavalry Portfolio Serv. The amount listed is {$290.00} dollars. It has a collection date of XX/XX/20. I have know knowledge of this account and I have disputed it with the listed company as well as the credit reporting agencies.This item still remains on my credit even after disputing this account and never receiving a response back from the company. As I continue to try to maintain a healthy credit profile, a small collection like this can impact it severly in a negative way. I am requesting that this account be seriously looked into or transfered to the FTC and properly investigated.
Product: Student loan

I am disputing the late payments reported by Sallie Mae on my credit report for XXXX, XXXX, and XX/XX/year> for XXXX separate loans. These late payments resulted from misinformation provided by Sallie Mae representatives regarding qualification for a payment relief program. 

In early 2019, following the loss of my job and the passing of my mother in XX/XX/year>, I contacted Sallie Mae to request lower payments while working to get my finances back in order that summer. Instead of providing a clear path to relief, Sallie Mae representatives informed me that I needed to miss XXXX consecutive payments to qualify for their payment reduction program. They explicitly instructed me to become delinquent for XXXX months to gain eligibility, but at no point did they disclose that each loan would be counted separately, resulting in XXXX total missed payments across XXXX loans. 

Following the direct instructions provided by Sallie Mae, I later learned that I had been reported as having XXXX delinquent payments ( XXXX per loan ) something I would have never agreed to if given the correct information. After multiple escalations, a Sallie Mae XXXX acknowledged on a recorded call that I was given incorrect information by their representatives and that I should not have been told to miss payments. However, despite this admission of fault, Sallie Mae never removed the late payments from my credit report. 

Adding to the issue, XXXX XXXX constant calls over the years about increasing my payments conditioned me to ignore their non-urgent voicemails, making it difficult to differentiate critical notifications about my account status from routine sales calls. The vague nature of their messages did not provide any actionable information about the delinquency situation, which I also mentioned during my phone call when I was informed that I had been misled. 

These negative marks on my credit report are the direct result of Sallie Mae providing inaccurate and misleading information, which led me to unintentionally default on my loans. The Fair Credit Reporting Act ( FCRA ) explicitly prohibits the furnishing of inaccurate information to consumer reporting agencies, and this case falls under furnishing inaccurate information. The Consumer Financial Protection Bureau ( CFPB ) has taken enforcement action in multiple cases where loan servicers misled borrowers into missing payments, and my situation is directly in line with those precedent cases. 

Furthermore, my loans have been fully paid off, and I have no remaining balance with Sallie Mae. These late payments, which resulted from misinformation rather than financial negligence, should not continue to impact my credit report. I am requesting the immediate removal of these inaccurate late payments from my credit history to ensure fair and accurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX County/Superior Court by phone and requested them to run my name and social security number through their systems to see what information was associated with my personal information. I was told by someone working that there was not any information in the system. I was also emailed stating the same thing. I gave her the case ID number that was on my credit report and she pulled that file up in the system. The file she pulled up has someone else named on it and I do not know that individual. I was also emailed the information that was associated with the case ID number that I provided. This took place XX/XX/XXXX. I have a lien judgment for the amount of {$590.00}. <P/>I also have filed several disputes with all the credit bureaus along with my supporting documents that I were emailed from by XXXX County. My disputes were last filed XX/XX/XXXX and were closed XX/XX/XXXX.
Product: Mortgage

I'm filing this complaint against Lakeview Loan Servicing , LLC c/o XXXX XXXX XXXX because their phone system makes it impossible to ever get a live person unless you're actually trying to refinance, in which you will be sent to a loan officer to refinance, otherwise you will be in a continuous loop. Also the sub-service provider does not give you the information nor can you find the information to setup electronic checks to the company, you must use their website. The company has many horrible reviews online, including the fact that they charge you for late fee 's and their systems don't autodraft till they consider you late. They also charge fee 's for online payments in the tune of {$10.00} per transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX 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 XXXX 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 XXXX PLEASE HELP ME PLEASE im XXXX now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ).

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. Also my current address is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, But bureau reported that I have many addresses like XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have an upgrade loan. Every one of my payments has been made on-time through XX/XX/2022. When I went to check on the payoff date the account said delinquent. I also noticed it was marked on my credit report. I was furious. I have emailed the company multiple times with their response being they don't answer inquires through email. I then tried to go make a payment and I am unable to submit a payment. I then tried calling and have been on hold for hours only to be disconnected. 
This is terrible business practice. I believe they are a unscrupulous company and intending for their customers to NEVER payoff their loan.
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 Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXXXXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX Not mine inaccurate information XXXX Fst Premier XXXX Not mine inaccurate information XXXX Santander XXXX Not mine inaccurate information XXXX Exeter Fin XXXX XXXX Not mine inaccurate information XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached 15 U.S.C 1681 section 6028 that states I have the right to privacy. 15 U.S.C 1681 section 604 a section 2 ; it also states, consumer reporting agency can not furnish an account without any written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States no consumer reporting agency, might make any consumer reporting containing any of the following items of information of any other adverse item of information, who it that records or convention of crimes, which attendates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A a person shall not furnish any information relating to a consumer to any consumer agency. If the person knows or has reasonable cost to play, that information is inaccurate.

Affected by Natural or Declared Disaster ( e.g.

COVID-19 )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX closed my complaint without fixing the issue. Transunion and XXXX claims that the information is no longer reporting but it infact. 

The credit reporting agencies claims that they verified the alleged bankruptcy on my report through the courts or the attorney. XXXX claims XXXX XXXX. 

This information is not XXXX XXXX system so that is false and I have enclosed my letter from the court house where they assures that the credit reporting agencies are lying.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : My name is XXXX XXXX ATTENTION CFPB : The Consumer Financial Protection Bureau is a 21st century agency that implements and enforces Federal consumer financial law and ensures that markets for consumer financial products are fair, transparent, and competitive. 


Incomplete and Inaccurate information being reported by XXXX XXXX EXPERIAN : Sometimes when your car is repossessed the original creditor sells the car for less than the amount remaining on your loan which is called the deficiency. The CRA 's are reporting this information as " accurate ''. This is NOT in fact " accurate '' information if XXXX failed to do the following : XXXX failed to comply with UCC : Under the laws of the State of California UCC 9.506 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

XXXX DID NOT provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

The company also did not comply within 14 day from receipt of notice of the alleged claim which is now considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA and shall be removed. 

I also reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX have put an unauthorized Fraud Alert on my credit report. I called experian and the over seas rep as VERY RUDE and should be fired. 

I am demanding that all credit bureaus remove this alert and stop putting unauthorized statements or alerts on my credit report to simply try go hurt me. This is getting old and if the alerts are not removed I will be suing them in a court of law. I will not send in proof of address or ID when I have already verified this with the bureaus via phone and security questions. They are playing games. This is what I got via email on saturday. 

ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX19. 
To change or remove this statement requires special assistance and can not be processed online. Please contact us at XXXX so we may better assist you.
Product: Money transfer, virtual currency, or money service

This is one of many employees at Current bank who are very and flip concerning issues that there customers address. Today on XX/XX/2023. I tried to talk with a supervisor concerning a very important and serious issue. Not to mention my overall experience and dissatisfaction of their overall customer service. This supervisor completely brushed off any concerns that I had and was very rude and downright insulting to me. This persons employment ID is XXXX and there name is XXXX. I will also include some of the screenshots of the conversation that I had with XXXX too.
Product: Checking or savings account

The savings pods advertise daily interest payments. My account has been open and funded for a month and no interest payments have been applied. Interest advertised at 4 % APY up to 2,000 $ per pod, and up to 3 pods per account. 

After contacting Current, they said : Only a random group of participants have access to the Beta version of our Interest feature at the moment. Unfortunately, were not able to include you in this group, but well make sure to let you know when were planning to roll it out for everyone. 

Weve launched a Beta in which select Current members can earn Interest on their Savings Pod. Theres no minimum balance required, and once you qualify, tap Enable when viewing an existing Savings Pod or creating a new one. 

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

I appreciate your time in addressing the removal of fraudulent items from my file resulting from alleged identity theft. However, there are still remaining items that require attention. As a victim of identity theft, I am requesting the removal of these items from my credit file, as per FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates their removal no later than 4 business days after XX/XX/XXXX. This issue was previously addressed in my previous correspondence, and I am reiterating it here along with my new FTC report # XXXX. Furthermore, the information provided regarding these items was still unknown to me, and items from other bureaus have already been removed, raising doubts about their accuracy. Please remove the following items resulting from alleged identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- TRANSUNION XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This communication serves as a final warning. Failure to remove the listed items may result in legal action. I have informed my attorney of my intentions, and they are prepared to pursue legal recourse in the event of willful noncompliance.
Product: Credit reporting or other personal consumer reports

Presence of those unauthorized accounts and enquiries made me feel very anxious about my financial health. The credit report needs to be accurate because it tell the world of lenders what we have done with our money management. I, therefore, ask that an immediate investigation and removal of the following inaccuracies and unauthorized accounts/inquiries be done immediately. 



XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

i keep getting bad debt relief info from my mortgage servicer ... .they are accusing me of having filed bankruptcy ... ... in 2012 this home was in my name and and another persons name ... he filed bk and did a quit claim deed and i did a harp loan ... my payments have always been current and it is mortgaged and deeded in my name only since 2012 ... ocwen loan servicing calls and sends me refinance option packets saying ive gone bk and threatening foreclosure..numerous calls and letters havent stopped it ... ....
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report the following items as deliquent over and over again after they had already appeared on my credit report as deliquent 1x or discharged underneath a Bankruptcy or deleted because it was too old. 

1 ) XXXX XXXX was reported as deliquenty 30 days 2x in XXXX and XXXX a ) I am challenging the deliquency of the account based on when payment was made in XX/XX/XXXX ) XXXX a ) The account was deleted in the past due to the age of the account. The account was also included in a Ch. XXXX Bkruptcy in 2017 3 ) XXXX  XXXX a ) The account was deleted in the past due to the age of the account. The account was also included in a Ch. XXXX Bkruptcy in 2017 4 ) XXXX XXXX XXXX a ) The account was deleted in the past due to the age of the account. The account was also included in a Ch. XXXX Bkruptcy in 2017
Product: Credit reporting or other personal consumer reports

I have a collection for XXXX XXXX XXXX  which is affecting my credit score. I have attempted to dispute this collection in the past as it is inaccurate and was closed in good standing. 

Both TransUnion and the Debt collection company have failed to correct this mistake.