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 the 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. Additionally, 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. As a reflection of their actions, it has caused significant inconvenience. Therefore, I seek appropriate redress for theses violations.
Product: Debt collection

I have been trying to pay a debt with XXXX XXXX since XX/XX/XXXX. I switched insurances because of unfair tactics on the part of XXXX. There is still {$800.00} owed and I attempted to pay on multiple occasions but they would not take partial payments and I have experianced financial dificulty due to pandemic. XXXX said the only way to pay in instalments was to wait for the collection notice via mail and make arrangements with Collection Company in XX/XX/XXXX Then they sent it to collections and neither XXXX nor Collector on their behalf sent ANY information to me concerning debt so I have NOTbeen given the chance to pay this debt before it was reported to my credit report and ruined my great credit rating. This is unfair. I need to be able to pay this without the adverse action against my credit. I STILL have not, as of XX/XX/XXXX recieved ANY documentation regarding this item being sent to a collection company or of my rights to dispute, pay, or discuss this item before it being posted to my credit as a collection. The dispute with XXXX  was # XXXX XXXX XXXX and the only way for me to know who I could pay is the information I obtained from the collection info on my credit report.
Product: Prepaid card

Bought two Vanilla Visa Card and the XXXX XXXX didn't work. Requested replacements but did not get updates. XXXX XXXX XXXX XXXX XXXX very bad.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX working in the XXXX XXXX since XXXX. Before that I was in XXXX, XXXX XXXX and the XXXX working since XXXX. 

I respectfully request your assistance to have several trade lines removed from my credit profile. XXXX XXXX and Midland Credit, in behalf of XXXX XXXX is reporting a charged off account for me which were opened by a 3rd party without my knowledge or consent. I have made a good faith effort to resolve the issues with the bank and with the Collection Agency During a routine security clearance check in XXXX, the listings were discovered. I have been attempting to resolve this with companies since last XXXX, XXXX. 

I will lose my job if I dont have my security clearance restored. 

I am including my permanent address in Maine ( were my father lives ), along with my drivers license for XXXX and XXXX showing I have lived in XXXX and XXXX full calendar since XXXX. 

Please advise who I can call to resolve this. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equfax to inquire WHY my credit score DROPPED XXXX points after i filed a dispute with reoccurring collection accounts. 
There was NO new debt on my report only my new Dispute on Equfax.com When i called ( see screenshot ) the woman was very difficult to understand because of her foreign accent. 
She said its " customary '' for credit scores to drop because of an investigation. 
I know this to be UNTRUE as i have been disputing the same charges that Equfax keeps allowing back ony Credit Report. 
So THIS COMPLAINT is against Equfax for unethical actions
Product: Mortgage

I filed another complaint about American Pacific Mortgage awhile back. It had to do with the removal of PMI from our mortgage. They responded and began to try to help me, but it seems they are back to dragging their feet and doing a half XXXX job on top of it. After they did a reappraisal, I disputed it stating that they compared our home unfairly. Im quite certain there is a conflict of interest as the reappraisal was quite low compared to homes sold around our area at the time of the appraisal. They have asked for a list of comparable homes, which I have sent, and not heard back on any action taken on their part. The only thing I received are letters with outdated financial numbers or letters stating that I should fill out the attached form and send it back ( there was no attached form ). It seems to me that they have protocol letters that they do not even bother to read to verify accuracy and send them out blindly. The last email I received stated I need to pay a certain amount to remove my PMI, which was completely inaccurate since it did not account for the latest appraisal. This company is the most incompetent and half assed group of people I have ever delt with. I have attached the last letter I sent to them disputing our reappraisal. Its been over a month and it seems they took no action and never even updated the first appraisal to give me an accurate number to pay to remove my PMI. Please investigate this horrid company and take necessary action to address any conflict of interest and the long wait times Ive had to endure resulting in outdated information given on their part. They steal peoples money and refuse to do their job. Period.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account # 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 XXXX XXXX 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 or other personal consumer reports

sent in a METRO 2 letter on XX/XX/year> and I received a stall letter on XX/XX/year> stating that they don't think the letter was sent by me I'm attaching the exact letter that I sent and want the same 30 day completion date of XX/XX/year> for my inconvenience
Product: Debt collection

My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 

I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. 

I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 


FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE
Product: Credit reporting or other personal consumer reports

To whom it may Concern : I am writing to update / correct my personal information on file with your company. Please update my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX. My only social security number is : XXXX. My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. Below are negative account / accounts impacting my credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

As the debtor, I am asserting my rights pursuant to 16 CFR 433.2, and it has come to my attention that there has been unauthorized administration of the XXXX XXXX for alleged account # XXXX. MIDLAND CREDIT MANAGEMENT Third Party Debt Collector has abandoned claims alleging that they have authority of this Executor Office to administrate for the XXXX XXXX. I believe this to be being done fraudulently. I have received no written evidences of such delegated authority to represent that the office of the registered agent and MIDLAND CREDIT MANAGEMENT is authorized to administrate ( acting trustee ) on the XXXX XXXX ; together with a certified copy of signatures contract between the office of the registered agent and XXXX XXXX, the registered agent and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, resulting in aggravated identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for proper jurisdiction. Consumer pursuant to 15 usc 1692a ( 3 ), I am disputing this debt and ALL claims in accordance of 16 CFR 433.2, 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC articles that should apply.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX Transfer my information to this company without my consent and knowledge NATIONAL CREDIT SYSTEMS. 

Balance {$4100.00} Highest Balance {$4100.00} Opened XXXX XXXX, XXXX  ( XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Account information disputed by consumer Account information disputed by consumer Original Creditor Name XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a copy of my credit report and am writing to dispute the following information that appears on my credit report. 
Please verify or remove immediately the following accounts : National credit system FOR XXXX ON XX/XX/XXXX OF XXXX  I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.
Product: Checking or savings account

Have not received any information as to the status of my accounts in relationship to the recent settlement. 

I have contacted the bank and they told me they could not help me find out the status as to whether or not my accounts are impacted. They said I would have to do that on line which I thought might be disinformation or poor customer service at best. 

All i would like to know is if my accounts are applicable to the settlement and what are the next steps. 

Thank you for your time an attention
Product: Debt collection

I do not have a contract with MEDERIAN FINANCIAL SERVICES nor do I owe them any debt. ON XX/XX/XXXX I sent in a proof of debt validation/proof as to how I owe them the alleged debt, Including the original contract and more, which they could not prove instead they avoided my request and updated it with the credit reporting agencies as verified yet they have no proof, I will not accept any billing statements or account summaries because those are not correct requirements for proof of debt validation. MEDERIAN FINANCIAL SERVICES does not have any legal license to collect in the state of Georgia which they are illegally trying to do, as well as trying to extort me for an extension of credit that has nothing to do with me. They are also using my non-public information without my consent and authorization fraudulently reporting false Information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from XXXX  and Experian throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act ( FCRA ), XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX. Acct # XXXX, XXXX XXXX XXXX. Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX and XXXX XXXX XXXX XXXX Acct # XXXX Has violated my rights. 15 U.S.C. 1681 SECTION 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. 

all the proof of dispute certified receipts are attached as well as the reports showing other reporting violations other than my Privacy. These Creditors and the Reporting Agencies XXXX, Equifax XXXX XXXX XXXX have violated my rights pertaining incorrect or incomplete reporting 15 U.S.C. 1681i Paragraph ( 5 )
Product: Credit reporting, credit repair services, or other personal consumer reports

It is important to note, my loan officer company is   XXXX   XXXX   XXXX     XXXX   is a different firm managing my loan payments.
I have received in mid  XX/XX/XXXX  attached statement "   XXXX   '' from loan officer su.
In this statement it was clear that my next payment date is XX/XX/XXXX and new monthly is  XXXX .
In addition, in that statement, you can see actual payment on  XXXX  as accounted for and it clearly stated that i overpayed the year of  XX/XX/XXXX and it included a check of  XXXX  $ made to me to pay for the surplus i paid.
I was preparing to make my   XXXX   payment as usual. but after this letter, i checked  XXXX  website and deducted no payment is required.
No emails nor phone calls nor mails were received from neither firms until  XXXX  letter attached which was received in  XX/XX/XXXX  stating that i was actually late.
Before i even knew, I went to  XXXX  late  XXXX  to pay for   XXXX   and realized the issue and paid for both   XXXX   and  XXXX .
that day spent hours on  XXXX  interface, i tried processing my payment but it wasnt going thru. There was a total issue occurring.after painful experience, i 've figured i need to process two separate payments for each month and together it was failing since monthly amount itself have changed.
Overall, Both companies failed to notify me on timely fashion and provided contradicting information. Both promised to remove from credit report and that it will be repaired once misunderstanding has been cleared.
However, 6 months later and after very horrible experience and 6 month of emails with loancare.com i stil havent been able to remove it from my credit report. i was reported as 30 day late and now PMI will not be removed because of this mistake.
This company been redirecting me from one department to another and today i was redirected to a fake email  XXXX  They damage my credit for no reason without proper notification. they 're interface now spams me with multiple pop-ups and i have to click 6 times to confirm to just see my statements. They are aware of the issue and claim they are working on a fix. this has been going on more then 6 month.
despite the reasonable case that ive made and many messages and followup and even after i paid fees and over 6 month of trying to get response with no luck, the creditor is acting unreasonably '' by not removing the 30day late payment even when they agreed to and Loan officer already agreed to remove since they have sent the confusing statement and never clarified.
I wasted my time for half a year now, and i hope similar companies can be stopped from consumer harassment such as my case above and held them accountable for what they are doing.
Regards,   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple phone calls 2 loans from XX/XX/XXXX, one for XXXX, another XXXX settled in XX/XX/XXXX with {$0.00} balance. They were off all 3 company reports for few months before reappearing on all except XXXX XXXX. XXXX XXXX eventually came back as well and all 3 are on it ... .. Not only were they already taken care of and closed in XX/XX/XXXX, AND then the XXXX withheld my XXXX income tax return of over XXXX to the Dept of Edu XXXX The 2 XXXX XXXX are the same 2 as dept Ed. There is not 4 loans. They have been closed with {$0.00} balance even BEFORE my Tax return of over XXXX was withheld and paid to the DOE. 

The 3 XXXX XXXX charges stem from an ambulance ride back in XXXX of XXXX. How they charge u for 3 bills for one ride, who knows. These were covered and paid by XXXX. They were removed and then came back. I've tried multiple times going in circles. It's frustrating when u spend hours and hours to finally get these errors taken care of, only to pop goes the weasle, they're back. Please help. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 USC 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 permission
Product: Student loan

I have requested a refund of my student loan payments made during Covid forbearance from EDFinancial. This is almost 7k to which I am entitled to a refund based on the CARES act. EDFinancial refuses to give me any kind of confirmation number or timeline for this refund. After a month of trying in vain, I am filing a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has absolutely no merit, I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them. Section605B ( a ) requires CRAs to block the reporting of any information that the consumer identifes as information that resulted from an alleged identity theft, within 4 business days.

I have filed the necessary paperwork with the FTC, along with local. I have also been in contact with the Attorney Generals Office of California - XXXX XXXX. 

This is a formal legal notice to Prime Business Service, to  cease and desist all collecting / reporting activities under the FDCPA 2009. 

I will not be harassed, this debt is uncollectible, untransferable due to the nature of fraud. This debt is the result of identity theft, the original owner of this debt has been notified. 

Under the FCRA 2009 and the FDCPA 2009, I am legally asking Prime Business Service LLC, to cease and desist and to stop all contact with me except with providing me any documents that I am entitled to, such as statements, and contact information. 

I have attached the necessary paperwork, including notice to furnisher, FTC Identity Theft Report, & FCRA.
Product: Consumer Loan

Eagle Loan Company filed a judgement against me because of an old loan XX/XX/XXXX in the amount of XXXX, which was reported against my credit bureaus. Eagle loan company filed another judgement in XXXX XXXX court in the amount of XXXX for the same loan that was taken out XX/XX/XXXX ; they have just filed another judgement for the same loan in XX/XX/XXXX in which i received notice in the mail regarding the judgement for the same loan. I have not received any other attempts to collect this debt. I think that it is unfair that XXXX judgements for the same loan was filed against me in court without any attempt to validate, settle or take care of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed the derogatory account on my credit. The dispute came back and says the information is accurate. That information is accurate. XXXX XXXX XXXX got their money. I am being harassed.
Product: Debt collection

I became behind on my Military Star Card when my Fianc got XXXX from the military and I lost my job due to being laid off in XXXX XXXX. I was notified after filing my taxes in XXXX XXXX that they would be taking all XXXX of my federal tax refund dollars. After contacting the Treasury office, they told me that the only people who can stop this is the creditor themselves. I reached out to the creditor twice trying to make arrangements as well as file for a hardship. They insisted that they could n't help or withdraw the information from the debt until its paid. Basically telling me they can and will take all the money they can. They also told me that filing for a hardship would take about 30-45 days. When i requested to speak to a supervisor i was placed on hold by XXXX different agents many times. I was given a non-working number and told to call the supervisor and leave my name and number, and they will get back to me as soon as possible within 24 hours. The number I was given for the supervisor is XXXX. I explained my hardship of not being able to pay my rent or utilities, as well as having XXXX children. They did n't care and said sorry this is your debt and we will do what is needed to collect but if you like you can set up a payment ed for the remainder of the balance after we take the refund. How am I to pay that money if I can not even pay my normal bills due to them taking my refund.