23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account number XXXX inaccurate Date opened, inaccurate high credit, inaccurate date last active, inaccurate date of last payment.
Product: Money transfer, virtual currency, or money service

I am filing a claim 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

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my reading instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently ( XX/XX/2021 ) I applied for a home mortgage loan with XXXX Mortgage. In the process I was informed that I have a collection balance of amount {$87.00} reported on my credit. Firstly I am not sure where it came from and for the past three months I was working with my mortgage officer to figure out what it is and how to resolve it. I tried to contact the collections company several times but no luck. I sent them mails twice ( on XX/XX/XXXX - First class mail and on XX/XX/XXXX- XXXX mail the second time ). There is no response yet. I feel that I have been patient enough in waiting for a response after multiple attempts. I am helpless now and not sure what to do. My credit score is down for no reason and I am in a situation to pay more monthly mortgage which is totally unfair. From what I have researched so far, to the best of my knowledge I think this is a UDAAP violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint concerns TransUnion. When the XXXX data breach was revealed, I attempted to freeze my credit files at all three major bureaus. I was able to do so online with XXXX and XXXX  without any problem. TransUnion, however, is a different story ... 

To begin, TransUnion forced me to create an " account '' for their web portal before even allowing me to REQUEST a freeze ( neither of the other XXXX bureaus did this ). Worse, as part of the lengthy TransUnion " terms of service, '' I was forced to agree to a forum-selection clause requiring me to litigate any disputes with TransUnion in the distant forum of Illinois ( I live in XXXX ). Seeing little alternative, I agreed. 

Despite having jumped through these hoops, however, I STILL have not been able to freeze my TransUnion file. Rather, every XXXX of my dozen or so attempts to implement the freeze over the past MONTH has resulted in an error stating, " We 're experiencing technical difficulties. '' This is unacceptable. TransUnion is a for-profit business whose stock-in-trade is MY personal financial information. I am simply seeking to PAY them for the privilege of protecting myself from identity theft. They have a statutory obligation to comply. If they are unable to process freeze requests in a timely manner ( again, it 's been over a month since the XXXX  breach ), they should not be allowed to operate in this sensitive space.
Product: Credit reporting or other personal consumer reports

My information was in the XXXX Data Breach. I filed a report with the FTC over 60 plus days ago. I called all bureaus & I was told to mail in supporting documents to all 3 bureaus which I did. Some of the inquiries were removed but none of the accounts that were listed. I was told that they would investigate and I would hear something within 30 days. However according to a copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. This matter still has not been resolved.
Product: Money transfer, virtual currency, or money service

I made transactions, then they blocked my money for verification. They asked for documents and I sent them. They told me to wait 3-5 days. Afterwards they don't answer. I called many times, submitted again requests to unblock my money, sent documents confirming my identity. They still ignore me and dont respond at all now. How is this possible?
Product: Credit card

I have no accounting from Elan Financial Services and so have no idea if they are overcharging me! Upon information, it would appear they are. 

That is to say, their bill never goes down much despite what I pay! 

I respectfully demand a full accounting for XXXX AND REQUIRE IT NOW, please!
Product: Debt collection

Please take the time to look into student loans and XXXX XXXX XXXX fraudulent practices of applying their students into predatory student loans knowing full well that majority of the students could not repay back those loans after graduation. I had emailed you on this issue a few years back and explained how after graduating from XXXX XXXX with a XXXX XXXX XXXX I was told that my degree from XXXX XXXX was worthless to any governmental agency : State and Federal because of the accreditation of the school. I owe close to {$100000.00} in student loans ( both government and private loans ), many of which are in default or placed on an Income-based repayment plan where my monthly payment is at {$0.00} per month because I can not afford to pay back these loans due to the high cost of living for me to provide for my family of XXXX. 

Most recently XXXX XXXX has been forced to shut down all its ' schools and is being sued by many states due to fraud practices on recruitment, student loans, etc. I had attended XXXX XXXX XXXX in XXXX, Nevada from XXXX - XXXX and graduated as XXXX. I attended school even throughout the economic crash, even through bankruptcy proceedings living off their promises to better opportunities of the future of starting anew and obtaining a better paying job to provide for my family. During the course of attending, XXXX XXXX 's Financial Representatives have placed me into numerous student loans to pay for their courses promising me that when I graduate it would be all for the better. I studied hard and worked hard to get high grades, even while working a full-time job and being a full-time mother to my XXXX children. After graduation, all I found myself was in high student loan debt which I can not repay. Till today, I have been suffering from shame, guilt, XXXX knowing that the debt is still rising from high interests and penalties and all I have to show for all of this is a " Blank '' piece of paper, according to the XXXX personnel when they refused to hire me for a XXXX because I did not meet the education requirements. I was also denied a position as a XXXX agent at the XXXX because my credit is too high and risky, and they too did not recognize my education. 

When will this all end? I do n't have the money to hire a lawyer to help me nor do I know where to start in getting rid of these loans which have been a nightmare to myself and to my family ( with high collection calls from Navient and collection departments ). All this because of a school that refuse ( s ) to take responsibility to misleading me into high debt for an education which is worthless. Help me!
Product: Credit reporting or other personal consumer reports

Im victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX Balance : {$530.00} XXXX  XXXX balance {$130.00} XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXXXXXX balance {$0.00} XXXX XXXXXXXX balance {$130.00}
Product: Credit reporting or other personal consumer reports

on XX/XX/year>XXXX  I send letters to experian requesting incorrect items on my credit report to be addressed and as of todayXXXX I still have not heard anything back. 
FCRA states they are to respond within 30 days and I have received nothing meanwhile my incorrect credit still stands. 
This also is my second complaint about this same matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX located in XXXX, GA ; EXPERIAN located in XXXX, TX and XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim, they have failed to provide the necessary documentation as required by the FCRA. Despite my persistent efforts to resolve this issue over the past several months, XXXX, EXPERIAN AND XXXX has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints lodged against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this XXXX bureaus namely XXXX, EXPERIAN AND XXXX has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts, inquiring creditors, and consumer reporting agencies/bureaus below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 
Consumer Agencies : XXXX XXXXXXXX Equifax Equifax.com XXXX XXXX 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 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 XXXXXXXX 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 1681 c. ( 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 conviction
s of crimes which antidotes 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: Mortgage

I have a complaint of file # XXXX, I 've attached formal complaint being filed today that further details the fraud involved by the Lender and Brock and Scott, PLLC.
Product: Debt collection

I called XXXX in early XX/XX/XXXX to setup internet access. The sales rep and I negotiated the service package and price I'd be paying and set up a date for their technician to come install my service ( XX/XX/XXXX ). Following that call, I then called XXXX and got a better service package for a lower rate than XXXX, which I decided to take. I then called XXXX back and asked them to cancel my previous order. I believed my order was indeed cancelled since the technician did not show up on the scheduled installment date of XX/XX/XXXX. But in XX/XX/XXXX, I received mail from XXXX saying I owed them {$40.00} for a month of internet service. I called XXXX again and explained to them the situation - that I received a bill for an amount I did not owe. I explained that I had cancelled my order before installment and they confirmed that my services were never installed and agreed to close my account and wipe out the debt. I then received another bill from XXXX in XX/XX/XXXX for {$72.00} which I ignored because I believe I had already settled the issue with them. 

In XX/XX/XXXX, I received mail from XXXX XXXX XXXX XXXX, a debt collection firm, saying that XXXX had sold them my debt in the amount of {$72.00}. I wrote them within 30 days disputing the debt and asking for proof that XXXX had sold them my debt. They responded in XX/XX/XXXX with copies of monthly bills from XXXX for my account. I replied to them again specifically asking for " all copies of documents between them and XXXX that incontrovertibly show that XXXX sold them a debt that they ( XXXX ) claimed belonged to me ''. XXXX XXXX XXXX never responded after that. 

In XX/XX/XXXX, I again received mail from another debt collector ( Afni, Inc ) regarding my {$72.00} XXXX debt. It would seem that not only did XXXX XXXX XXXX fail to invalidate my debt, but my debt had again been purchased by another collector.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After I forwarded a copy of the FTC report, it became apparent that you are not obstructing records. I'm sending this complaint to help with the legal response because it's required under FCRA regulation 605b. I will provide over my archives to my lawyer so that they can start a legal action if you choose not to impede the associated items listed below that are providing incorrect answers due to fraud. As it is not my intention to pursue any lawful activity, please abide by the law if it is not too difficult. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} 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 XXXXXX/XX/XXXX
Product: Mortgage

Applied online at XXXX to receive current rate information for 30 year refinance rates. I received several calls but the broker from Quicken Loans was trying to railroad me into approving a hard credit inquiry. When I told him that I was just beginning the process and would be waiting until XXXX he proceeded to imply that they were going to perform a hard inquiry anyway and that I should just approve while we are on the phone. I responded in no uncertain terms that I will not approve a credit inquiry because they have sufficient information to give me ballpark rates and I would only approve a hard credit inquiry when I decide to refinance with Quicken Loans. 

It is too early to know if they performed a hard credit inquiry, but this is unacceptable behavior and I believe many customers may have been hurt by such aggressive sales tactics. Credit inquiries can damage customers ' credit scores and should be expressly agreed to. 

Quicken Loans NMLS # XXXX Quicken Loans Agent : XXXX XXXX ( XXXX ) XXXX NMLS : XXXX
Product: Credit reporting or other personal consumer reports

UNDER CONSUMER LAW THE CREDIT REPORT POST TO ACCURATE AND COMPLETE THEY KEEP PUTTING XXXX XXXX XXXX ON THE CREDIT REPORT MY NAME ON MY ID IS XXXX XXXX THE NAME NEEDS TO BE CORRECT UNDER 15USC 1681-1681X FAIR CREDIT REPORTING ACT
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 Equifax received my dispute letter in reference to numerous medical accounts that show on my report. My letter was quite specific when I asked for " documents '' or the 'Method '' used to verify these so called debts. I received a notice back just stating " Verified '' with no information on how it was verified. No documents, no method, no name of system of verification. 
Firstly, I am allowed under the Health Insurance Accountability Act to protect my privacy and medical records and did not give any permission for my records to be reported. Secondly, " verification '' is confirmation of correctness, truth or authenticity by affidavit, oath or deposition. Equifax must be able to produce documentation that that this debt belongs to me and yet they have not provided as such. 
Under the FCRA consumer reporting agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. 
I am requesting Equifax delete these accounts they are reporting as they can not produce verification.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by all three major credit bureaus ( Equifax, Experian, and TransUnion ) and several creditor companies.

Over the past six months, I have consistently sent Debt Validation and Dispute Letters to both the credit bureaus and the respective creditors as per my rights under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ). Despite these efforts, the following violations have occurred : 1. Failure to Properly Investigate Disputes ( FCRA 611 ( a ) ) The credit bureaus are required to conduct a reasonable investigation within 30 days of receiving my dispute. Instead, I have received generic stall letters that fail to address my concerns or provide adequate responses to the evidence I submitted. 
XXXX. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) The creditors have continued to send collection notices without providing proper validation of the debts I disputed. This is a clear violation of the FDCPA, which mandates that a debt collector must cease collection efforts until proper validation is provided.

3. Reinsertion of Disputed Items Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) Items I have disputed and requested to be removed have reappeared on my credit report without the required notice or validation, further damaging my credit score. 4. Injurious and Misleading Reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) The reporting of inaccurate and unvalidated debts has caused significant harm to my financial and credit health. This has impacted my ability to secure credit on fair terms, violating my consumer rights.

5. Unfair Practices and Harassment ( FDCPA 806 ) The repeated collection attempts by creditors without validating the debts constitute harassment and unfair practices under the FDCPA.
Product: Mortgage

Last year in XXXX XXXX-I was able to see my online amortization schedule after login into my Mr. Cooper 's account. I need to see it as I make additional principal payments and I want to know how it impacts my loan maturity date and plan accordingly. Mr. Cooper shows me different $ $ $ figures and different maturity places- 4 different-in the online account. Since XX/XX/2021, -I am not able to see my online amortization schedule after login into my Mr. Cooper 's account. 

I am following up with Mr. Cooper since XX/XX/2021 regarding the same. During end of XX/XX/2021, I was told that they will do that in 7-10 business days. But still I can not see it. On XX/XX/2021-I had chat regarding the same ( attached ). 

In the absence of online amortization schedule, I have to request it and it takes around 7-10 business days for me to get it. 
As I am not able to see my online amortization schedule on my own, I might make more additional principal payments and then I need to work with Mr. Cooper on the phone to get that back. 

Mr. Cooper hire cheap XXXX staff to work in IT which is reflected in the overall work in the website. Please hire smart folks in IT ... i know two of my neighbors who are XXXX - who are working for Mr. Cooper. I never saw them working ... they are always roaming outside of their home during COVID-19 remote work ( during remote work ). 

Moreover on XX/XX/2021, I ask some very specific questions to Mr. Cooper. Mr. Mr. Cooper hasn't provided the answers for them till now.
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 inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have called this company for the past 4 months and told them this is fraud and I have never opened this account and they say they will look into it and get back to me. Well this is going on for 4 months with no answer. My credit reports keeps going down and this is not fair.
Product: Debt collection

This Debt Collection Agency, Caine & Weiner Company is trying to collect money from me for a debt amount {$880.00} from XXXXXX/XX/year> i do not owe this debt. This debt is old and being falsely reported by this collection agency to the credit bureaus. This Company will not get money from me with the tactic they are using to hurt my credit. I will report this company Caine & Weiner to the State and Federal government for violations of compliance laws.