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: Student loan

I had a student loan with Sallie mae in XXXX had a deferment in XXXX for financial hardship. Never received anything after now there taking my eitc income taxes. I still ca n't afford to pay and the department never told me my loan was transferred to someone else. What can I do I can be reached at XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this 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 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 XXXX  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 card or prepaid card

This incident occurred as of this morning on XX/XX/2021. This morning I place a reservation at XXXX I provided my bank card number from my PNC card account. 
I later found out that I could not use the reservation so I had to cancel the reservation. I was not able to cancel this reservation with XXXX because there was no type of contact information in order to cancel the reservation. 
I called PNC bank to dispute and cancel the transaction, I only got a hold of a XXXX that stated that no one was available and I would be called back within 20 mins. However I have never received a call. 
I then tried to find a different number to contact PNC which was XXXX and located at XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX spoke to XXXX XXXX XXXX who stated that she or no other XXXX  could file a dispute on behalf of any PNC bank customer at any PNC branch in this or any other part of the country.
Product: Debt collection

Date : XXXX|15 Amount : XXXX XXXX XXXX XXXX XXXX violated my consumer rights according to the Fair Debt Collection Practices Act. The two sections they violated are 15 U.S. Code 1692e - False or misleading representations and 15 U.S. Code 1692f - Unfair practices. 

They served me a summons with the WRONG NAME which is misleading and false. It is also an unfair practice collect a debt! I have taken them to court to get it removed. Because i was a co-signer, and my brother filed for bankruptcy, the judge stated it was out of her courts jurisdiction. 
Can you please help me remove this due to the fact they violated some Fair Debt Collection Practices?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX 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
Product: Debt collection

Portfolio Collection agency has XXXXXXXX XXXX as a debt of {$5700.00}, opened on XX/XX/XXXX. The amount owed is wrong. The balance on XX/XX/XXXX was XXXX, I made a payment on XX/XX/XXXX for {$150.00} the last payment made. The balance due on XX/XX/XXXX was {$4700.00}. The statement on XX/XX/XXXX was {$5600.00} ( an additional {$970.00} in 2 months ). My credit report shows a balance of {$5700.00}. I believe the balance due is incorrect. I am requesting that Portfolio provide the correct information on this debt. My last payment was on XX/XX/XXXX but the collection account was not opened until XX/XX/XXXX, according to my credit report. The statute of limitations is 4 months of late payments, the account should have been sent to collections on XX/XX/XXXX, but this was not done until XX/XX/XXXX - 1 year and 1 month past the statute of limitations, and additional time to be on my credit report. This company has improperly and inaccurately reported a debt on my credit report.
Product: Debt collection

We didn't missing or late on rent payment until we move out when leasing contract ended on XX/XX/year>. My family was came to the office to returned the keys and signed the move out and staff didn't say anything then about a month after I received a later from debt collector we owned {$3000.00} I contacted the leasing office and they said I didn't give 60 days notice before move out so they added 2 months rents to my account for debt collection agency.
Product: Student loan

I tried requesting lower payments, on XXXX or XXXX of my loans, but was right away denied and told they do n't do that cause it 's a private loan. Also feels like I 've been paying forever with very little of my debt paid off.
Product: Debt collection

I received a collection notice from Harris & Harris , LTD regarding a debt they claim I owe to XXXX XXXX XXXX XXXX XXXX. 

I paid XXXX XXXX XXXX XXXX XXXX in full and they still sent my account to collections. I have my paid in full email from them which I have attached to this complaint. I paid this medical bill off on XX/XX/2021. 

If this erroneous debt goes onto any of my credit reports I will have no choice but to pursue any legal remedy under the law. 

Please correct your records! This has been paid in full!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax advised me ( through CFPB via my 1st complaint ) that they had finished checking my credit report and had sent me an updated report on XX/XX/21. It's been almost 3 months and I've still not received anything from them. Additional requests to Equifax for my credit report brought no results either. They lied to CFPB in their " Company 's Response '', and they have not responded to my further requests at all.
Product: Credit reporting or other personal consumer reports

I gave them all my information I asked for the account to be verified and reinvestigated. I asked them to provide me with certain documents such as ; pay off disclosure *Interest Rate Disclosure *Balance History *Payment History *date open and closed* Date last active.
Product: Credit reporting

My student loans have been forgiven due to XXXX and the creditor XXXX XXXX XXXX responded to the dispute telling the agency to delete the accounts from my report. I have called Equifax and uploaded the documents. The creditor has sent the documentation at least XXXX times. They will not correctly update my report. I am attaching the report that was sent to creditors however, the only XXXX I have scanned in was for XXXX but it shows the same as what was sent to Equifax.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$6100.00} Date of Account:XXXX
Product: Credit card or prepaid card

I got charged ( {$470.00} ) to my red card that something I did not buy. Target store refused to check the camera. I am fighting for a months with target to dispute charge. I went to Target store to buy XXXX Gift for my son. My son grabbed gaming machine and other toys ( XXXXXXXX XXXX XXXX XXXX : total of {$470.00} ). My father tried to use his credit card. His credit card did not work. So we decided to buy only the XXXX toy ( {$50.00} ) with my target red card. I informed to the cashier that I will only buy the lego. Cashier informed me that she would not charge other items and only charge the lego. I received the receipt only for the lego toy. A few weeks later, I realized that gaming machine XXXX, XXXX, other toy were charged to my card ( {$470.00} ). I never purchased those and never received the receipt. I processed the dispute for the charge to Target and requested them to check the surveillance camera. Target did not check the camera and denied my dispute for three times. Target stated that this is valid charge since the pin number was used. I used pin number to purchase the lego. XXXX is very expensive gaming machine ( {$400.00} ). It would be easy to track that inventory or check the surveillance camera if I really made the purchase or not. Target did not perform any of those and refused my dispute.
Product: Credit reporting 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.

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 anted
ates 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: Debt collection

I am filing a formal complaint against Credit Collection Services for failing to provide proper debt verification as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXXg. I formally disputed the validity of this debt and requested verification, yet Credit Collection Services has failed to provide sufficient documentation proving that I owe the alleged amount. 

Despite my request, Credit Collection Services continues to report this debt to the credit bureaus and/or engage in collection activities without fulfilling its legal obligation to provide proper verification. This practice violates my rights under the FDCPA and the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ). 

I request that the CFPB take action to ensure Credit Collection Services complies with federal law by providing the necessary documentation, including : A full itemized account of the debt, including the original creditors name and details of the alleged balance. 
Proof that Credit Collection Services has the legal authority to collect this debt. 
Any signed agreements or contracts that establish my liability for the debt. 
If they can not provide proper verification, I request that this debt be removed from my credit report immediately and that all collection activities cease. 

Thank you for your prompt attention to this matter.
Product: Credit reporting

I am concerned with my credit file with Experian, there are credit items that I am asking to be disputed from XXXX XXXX # XXXX, XXXX the same. XXXX XXXX XXXX. XXXX XXXX. XXXX in XXXX. There are inquiries also on my credit file that should not be there or should be taken off by now, I did not ask XXXX XXXX, XXXX XXXX, XXXX which was never taken off. XXXX XXXX, XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Names ID XXXX, these are some of the items I question that are still on my file. When will they be updated and investigated and corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2020 I have paid my mortgage to XXXX XXXX XXXX. I never saw any improvement on my score. I am a XXXX wines and have been having issues with the credit bureaus. I have paid on time and none of my scores have improved. It now XX/XX/2020 still after all the investigation and disputes no improvement on my score for paying on time. I know that my score should go up but it keeps dropping. I can not purchase a car for getting to the doctors office I have a XXXX XXXX. I do not know why Im being discriminated against my XXXX and age and race. 
All three credit bureaus have stopped my scores from improving. 
XXXX XXXX never boosted my scores. 
XXXX, XXXX, Equifax never posted my XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  has violated my rights 15 U.S. Code 1679c - Disclosures Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am trying to be patient. They apparently updated the email and phone number I gave them I am again being asked to call again and to myself trying to be patient if I get an email correct to log in etc I am running out of patience with equifax credit report agency repeated the phone number is not the same as above and location because of financial institution again said they have my information I have to have vpn or location not showing on the more secure site so I already have taken care of my end if they have XXXX or more numbers that XXXX be being used from other people I am following instructions from different federal offices. All I am trying to accomplish is login so I have them uniform as possible and if I am advised to freeze/unfreeze I do need access to do so. Otherwise if I got the correct email they should have I was told more than enough information for minimal assistance. I also have to only call out but I do not want to give them the same information over the phone because it will make this situation even worse. I have not been able to after approximately XXXX received XXXX calls. Equifax please take note of this. If I live in an apartment complex and can hear other residents with low music on it is not okay
Product: Credit card

All of my credit cards have a three-year pay off amount. I believe this is required by law. My Chase Amazon account does not have it. I have requested this figure be provided to me twice, once on the phone and once in writing. Both times I was told this was not possible.
Product: Debt collection

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX To Whom it may concern, I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The accounts in question are listed as follows : Creditor Name : XXXX XXXX  Synchrony Bank XXXX XXXX  XXXX XXXX Account # : XXXX XXXX XXXX XXXX Date of Charge-Off : XXXX XXXX XXXX XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the monthly charge-off results in a misleading and inaccurate credit report, significantly harming my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and confirm these corrections for me. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX. XXXX
Product: Credit reporting or other personal consumer reports

There are 3 items on my credit report that are not mine. I did not open accounts with Midland. ive never had an XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. Incorrect Name - XXXX XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, XXXX  XXXX Incorrect Address - XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX - XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I submitted dispute letters to XXXX indicating that information reported by US BANKRUPTCY COURT, XXXX NEW JERSEY Account # XXXX was not valid or accurate. I also included in this letter that " THIS ACCOUNT DOES NOT BELONG TO ME ''. Attached to these letters I included a letter from XXXX dated XX/XX/XXXX ( who XXXX uses to obtain information ), stating that XXXX has deleted the US BANKRUPTCY INFORMATION FROM MY FILE BECAUSE THEY WERE NOT ABLE TO. VERIFY THE INFORMATION. I also attached a letter from the US BANKRUPTCY COURT, XXXX NEW JERSEY stating the court DOES NOT provide or report to credit bureaus. 

On XX/XX/XXXX I received a reply from XXXX stating that they have verified the information to be accurate and would not delete the information from my report. I also spoke to XXXX on the phone several time and was told that they verified information with the US BANKRUPTCY COURT and XXXX. How is this possible when I attached a letter from the US BANKRUPTCY COURT stating they do not report to credit bureaus and Also That I attached a letter from XXXX stating they deleted the information from my file last year. Even with this proof of these letters XXXX refused to comply with the law and is violating my rights under the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). I am attaching a copy of my credit report showing how egregious these violations are. 

The continued reporting of this invalid and negative information on my XXXX credit report is negatively impacting my credit score and interfering with my ability to obtain financing. IF THEY REFUSE TO DELETE THE INFORMATION I WILL FILE A LAWSUIT SEEKING DAMAGES IN COURT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is allowing a law breaking debt collector to report on a debt that has exceeded the statute of limitations for reporting. I provided PDF document proof of the violation and they chose to ignore it because the debt collector refused to comply. Experian is willfully breaking CFPB statute of limitations provisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account closed i don't know anything about this account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had financed a car through XXXX. They never reported it to the credit agencies. I have a complete payment history showing that I have never been late and always paid more than the minimum payment. I have tried contacting each of the agencies but I am never able to get anywhere with them and can not dispute the inaccuracies online. Please help me. I have had this loan for a year and a half and my score should be through the roof by now, but I am unable to get this taken care of to make it show on my CR. I am currently trying to refinance through my local CU but my score isn't as high as it should be and I'm afraid it will have adverse reactions on myself getting the loan. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

We are possibly looking to buy a different house. We went to a mortgage company to start the process. They did a " soft pull '' with the credit bureaus. This, I was told, was not supposed to trigger the credit bureaus. The very next day, one phone received almost 30 calls from mortgage companies and others. It has now been a couple of weeks and we are still receiving between 10 to 20 calls a day depending on the day. This is of course EXTREMELY disruptive. Especially when one uses the phone for work and is going to get calls from unknown numbers for work, one can't just ignore the phone. 

We don't have a choice that these companies gather info on us. Why should they be able to do this to us? 20 phone calls a day is an invasion of privacy. 

Help! What can we do to stop this?
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting XXXX % accurate. 

The following accounts are a result of Identity theft and Trafficking! Please take action and remove them from my credit report asap! 

UNATHORIZED INQUIRIES : XXXX XX/XX/year>
Product: Debt collection

Hello I keep getting bills from a XXXX I had back in XX/XX/2021. Everything has been already paid yet I keep getting bills sent to me and now you guys are contacting me. Once again everything has been paid months ago. 
Thanks