23daVinci/CFPB_Complaints huggingface dataset:
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, account name : XXXXXXXX XXXX XXXX XXXXXXXX, account name : XXXX XXXX XXXX XXXX XXXX, account name : XXXX XXXX XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with metro 2 credit reporting
Product: Vehicle loan or lease

Have filed complaint to XXXX XXXX as well. Had a vehicle bought back from Drivetime because of some rust and mechanical issues. Didn't properly advise me of my options when turning vehicle back in. Said I would not get the 6 months of payments I had paired into vehicle because it was the time I had driven set vehicle I didn't sell myself a XXXX car they did. Because I had my contract reminded they were able to charge me a higher interest rate on my new vehicle. So Im not getting the 6 months of payments recorded to my credit score and am out 6 months of payments on a vehicle they shouldn't have sold me to begin with. How is any of this fair. I have documentation were they say I signed which I acknowledge is my signature to not have the 6 months of payments to reflect on my credit score but no where does it say anything about my 6 months of payments not being reinstated to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( EXETER FIN ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/19, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/19, XXXX XXXX XXXX, XXXX- XXXX XX/XX/19, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I just want it noted that their Customer service Representative would not help take care of the negative inquiries on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th attempt to get this matter resolved. I've submitted 3 previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. Experian has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with Experian. This account was opened fraudulently. I informed them of the issue & provided them with the required documents to block/remove the account via FCRA Section 605b . They have failed to block the account, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the account. I need this account removed from my report ASAP. Here are the names of the data furnishers & the account : XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2015 Balance {$25000.00}
Product: Payday loan, title loan, or personal loan

Called XXXX XXXX 2018 to close account since I have paid {$2500.00} + financed fees of $ 4000+. Interest 135 %. They lower interest and monthly still owe {$6000.00}.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

I am writing to formally file a complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ).

On multiple occasions, Cash App failed to take timely and effective measures to prevent and address fraudulent activity on its platform. Despite my reliance on the platform for secure transactions, these failures left my account vulnerable and unprotected.

Additionally, I found the dispute and resolution process to be both unfair and deceptive. Specifically, Cash App did not comply with the error resolution requirements set forth under the Electronic Fund Transfer Act ( EFTA ) and its implementing regulations. As a result, my concerns were not adequately investigated or resolved, leading to significant inconvenience and loss of trust in the platform. 

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

I have been receiving in the mail for a while now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. XXXX XXXX {$450.00} XXXX  XXXX {$1300.00} XXXX  XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX $ XXXX XXXX XXXX  XXXX {$1000.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$450.00} XXXX  XXXX   XXXX {$1000.00} XXXX XXXX {$1400.00}
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX  Balance Owed : {$5600.00} XXXX XXXXXX/XX/year>
Product: Debt collection

TJX Credit is continually calling me regarding a credit card balance that is paid up to date. It is NOT past due. I told them this and told them to stop calling. They continue. The Caller ID says XXXX. They will call every day for a week. Wait a while and repeat. This despite the fact NOTHING IS PAST DUE AND THEY HAVE BEEN TOLD TO STOP CALLING.
Product: Vehicle loan or lease

That are using fake information to keep my credit score low most of the information years old.Every year they keep updating the information, accounts which have off my credit report.
Product: Credit card or prepaid card

I was pre approved for a XXXX card I applied and was approved for only {$300.00}!! The lowest card Ive ever had been given this is ridiculous when I called they they dont care and its Not a XXXX Im a loyal customer I dont appreciate the way this bank conducts business I deserve a higher starting limit
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 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 loos and I seek appropriate redress for these violations
Product: Money transfer, virtual currency, or money service

I am tiling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S. CODE {$1600.00} CORRECTION OF BILLING ERRORS 15 U.S. CODE 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORTS This capital one account shouldnt be reported on my credit file as late, Also the balance of the account was discussed and updated but is still reporting to my credit file as charged off and not up to date, This company needs to update my credit file to reflect an up to date payment line and remove any derogatory remarks on my credit file
Product: Credit reporting or other personal consumer reports

Hello, i am unable to retrieve my credit report and score with Equifax. Ive called a total of 5 times and was told theyre unable to locate my file. Ive mailed letters and copies of my identity and still unable to get this issue resolved. It is imperative for me to know whats on my file and manage my credit. In the past Ive been a victim of identity theft, so its scary not being able to see my credit report. I need help with getting this issue resolved. Its unfair and unconstitutional to say the least and Equifax should be ashamed of themselves.
Product: Debt collection

I received statements from XXXX XXXX in XXXXXXXX XXXX XXXX indicating that I owed balances on multiple credit card accounts. On XX/XX/2022, I sent letters to the CFO, of XXXX XXXX, requesting validation that I am responsible for the alleged debt. After not receiving validation as required by 15 USC 1692 ( g ) I sent XXXX XXXX a notice of fault on XX/XX/2022, again requesting validation that the debt belongs to me. I only received letters, calls, and text messages demanding that I pay these debts or suffer negative reporting to credit reporting agencies. I filed an identity theft report with the Federal Trade Commission on XX/XX/2022. I then discovered that Zwicker & Associates who, without contacting me, filed a civil suit in my county regarding this debt. I have not received any notice from Zwicker & Associates requesting payment of the debt, or even notification of the right to ask for validation of this alleged debt. The only reason I found out about the lawsuit is that I received a letter from another third-party offering consultation regarding the court case. I looked up the court case and sure enough, without prior contact, Zwicker & Associates are suing me for the unvalidated alleged debt. If Zwicker & Associates had reached out to me with a debt collection letter modeling the B-1 form required by 12 CFR part 1006 ( Regulation F ) I would have asked them to validate the debt as is my consumer right. I would also have provided the prior correspondence with XXXX XXXX regarding the alleged debt. Finally, I would have provided the FTC identity theft report. After reviewing the CFPB complaints database, I can see that many other consumers have been sued by Zwicker & Associates without prior communication. In fact, it appears that Zwicker & Associates have a reputation for instantly suing consumers without first conducting due diligence to validate debts. It appears that they rely on intimidation tactics, which are the very abusive, deceptive, and unfair debt collection practices mentioned by Congress in 15 USC Code 1692. I will be reaching out to Zwicker & Associates to ask them to validate this debt. I will also be reaching out to the Attorney General regarding the consumer harassment by Zwicker & Associates.
Product: Mortgage

My name is XXXX XXXX back in XX/XX/XXXX I received a phone call from XXXX about modifying my mortgage, it seem like a very good idea, since I was in a pick a payment loan with a negative amortization. We decided to take XXXX XXXX offer and modify. I was on the phone for about an hour, providing them with all the necessary information. They told us that it would take 2 to 4 weeks before we would get modified, 3 weeks went by, since I did not hear anything from XXXX I decided to call them for an update. and he told me that I was missing some documents. ( bank statements ) I told him that I had faxed over the bank statements 3 weeks ago.
Neatness to say I faxed over the documents again, by then my mortgage was due, so asked do I pay my mortgage or do I wait for you to call me. He said that I was modifying and I did not need to pay the mortgage, it was going to be added on to the new mortgage. but I did need to keep continuing paying my 2nd mortgage. By XX/XX/XXXX I received a letter for XXXX stating that I did not pay my mortgage. And I could be facing foreclosure. I immediately call XXXX about this letter. The funny thing about XXXXXXXX I could NEVER get the same person on the phone. Now, they told me that I was missing documents, ( most recent pay-stubs ) now I started to certify all letters to XXXX and fax them also. By the end ofXX/XX/XXXX. I received another letter in the mail, this time it said that I was going into foreclosure, by now we had enough of this, so I called XXXX to tell them that I did not want to participate in there games, and that I needed my original loan! until they said that I own them $ over 10000. How can I owe you that much in 3 months! When my mortgage was only {$1600.00}. a month. By now I was very scared, so XXXX  left me with no choice but to continue with this nightmare Again they asked me for more documents, by now there was no way out for me and my family, XXXX  was running the show and we had no control of our life 's. but we wore still paying our 2nd mortgage. I spoke to so many XXXX representative, ( have a record of ) every month they would ask me for the same things. I started to certified letters. It was always something they need it, but the funny part about it, they would never call me, I would ALWAYS have to call them, and of course, I would never talk to same person! This nightmare went on for a year, by now my credit was ruined. I 'm asking to have that removed from my credit bureaus as I had no control of the situation.
Product: Student loan

My recertification date is XX/XX/XXXX on XXXX XXXX. However, under their guidance on the student loan pause, XXXX says " The earliest you could be required to recertify is XX/XX/XXXX. On your account " My Aid '' page, you may still see a recertification date that is earlier than XX/XX/XXXX. We are working to get those updated, and we thank you for your patience. If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by one year. For example, if your account says your recertification date is XXXX XXXX, XXXX, that date will be pushed out to XXXX XXXX, XXXX. '' Based on this guidance, my recertification date should not be until XX/XX/XXXX as it should be pushed out a year after XX/XX/XXXX. I filed my taxes married filing jointly based on this guidance. Otherwise I would have filed married filing separately to get a lower monthly payment. My payment will go up by over {$1000.00} a month based on this incorrect information, which I can not afford.
Product: Debt collection

I have contacted this company for years to report that this is fraudulent, attempted disputing, sent letters, emails and they are now sueing me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid for membership to experian account XXXX, XXXX. 
The employees procrastinated and stated criminal offensiveness accessorizing to a side or preadvisory by which they uttered a derivative to a result that inflicts to euphoria sensation degrading, and to XXXX slurs which supported their empowering to an offender defrauding my identity while defamtive, and the rep used willful opposition, delay, obstruction to not be a prompt and dire attribute to stop their defrauding by the information they supplied by phone transpire which exposed they possess material information that stages a protocol that chose a fixed outcome that defrauds my valid identity XXXX XXXX XXXX XXXX XX/XX/1980 and that they record data that is aiding the scrimmage they chose for an offender which indicated evidence they are against my identity which is experian fraudulent action as well the impeding to do nothing towards the murderous transpire to a premeditated murder to me by defamative force they devised which they upheld by the offensive willfull utter that is degrading and abusive demeanor and criminal misconduct. Please shut down experian and attribute only 2 credit bearuas since experian operates in lack of bona fide ability, and willfully choose fraudulent murderous crime and robberous violence exposing they are not monitoring anything they pitch that they contracted, and that they do not offer insurance or protection no matter how people feel which is not attributable if they can not recognized the murderous deadline that murders me, as well the inability to supply employee record to reach which employee chose terroristic crime and deragafrauding my true and factual basis only valid identity XXXX XXXX XXXX XXXX american XXXX nationality.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company has assumed the role of communicating these alleged debts and information listed below. Therefore, you must follow the laws, the FCRA and FDCPA, that were written by congress and put in place in order to protect me as a consumer. So it is your responsibility to ensure that your company does not engage in any conduct that violates my individual privacy, and is detrimental and harmful to my character, reputation, or mode of living. 

The reporting of the following alleged accounts are in fact violating my rights under the FCRA and the FDCPA, and are both detrimental and harmful to my character, reputation, and mode of living. You are also violating my individual privacy because I never gave you any written consent to communicate these alleged accounts through any means or facility of interstate commerce. 

Please remove these alleged accounts listed below because you are engaging in conduct that is unlawful and unfair. This dispute is between your company and I, not the furnishers of this data so there should be no reason why I should receive a response from you company saying that you are investigating this dispute with them. Your company is the one who is violating my rights, and under the provisions of the Gramm-Leach Bliley Act, I opt-out of the reporting of the alleged accounts and information below XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am reaching out to seek your assistance regarding a troubling situation I am facing with Sunrise Credit Services, which I believe involves violations of the Fair Debt Collection Practices Act ( FDCPA ).

Recently, I discovered that two different collection agencies are reporting the same debt of {$1800.00} across my credit reports from all three major bureaus. This dual reporting is misleading and has negatively impacted my credit score, which is a clear violation of my rights as a consumer.

Upon noticing this issue, I contacted both collection agencies, and each asserted that my debt was active, despite my explanation of the double reporting. To clarify, I contacted XXXX XXXX XXXX, the original creditor, who confirmed that the debt was recalled from Sunrise Credit Services back in XXXX. Therefore, they are no longer authorized to collect or report this debt, yet they have continued to do so for over XXXX months. 

When I reached out to Sunrise Credit Services to address this issue, their management insisted that my account was still open and argued against my claims. They demanded that I provide documentation from XXXX XXXX XXXX, which is not my responsibility as a consumer. After further discussions with XXXX XXXX XXXX, their management assured me they would send a notice to Sunrise Credit Services to clarify that they no longer have the right to collect this debt.

I believe Sunrise Credit Services has violated the FDCPA in the following ways : - Section 1692e : Misleading representations about the debt.

- Section 1692f : Engaging in unfair practices by pursuing a debt that has been recalled.

These actions have severely affected my credit standing, limiting my ability to secure loans and adding significant financial stress.

I am requesting the Consumer Financial Protection Bureau 's assistance in addressing this matter. Your agency has the authority to investigate and take action against unfair or deceptive practices in the financial sector. Any guidance or intervention you can provide would be greatly appreciated in helping me resolve this issue and protect my rights as a consumer. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance.
Product: Student loan

Payment has been processing for over 7 days, interest continuing to accumulate despite payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I do not normally check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web thats why i was worried about my credit. Also, i was affected by the equifax breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report. I have attached it with my drivers license.