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 Electr
onic 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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

I took the loan out right as XXXX  was hitting and then lost my job. Wasnt able to pay the loan back so it defaulted. The collection showed on my credit as a delinquent mark about XXXX months ago. I wasnt aware that I could dispute nor validate the debt. I wasnt even sure what the debt was over until more recently like XXXX months ago. When I tried to dispute it on XXXX twice I was told XXXX unable to dispute this creditor because it was already disputed.
Product: Debt collection

This collection company is calling my work to try and collect a debt. This is not acceptable as this is a business and not a private number.
Product: Debt collection

yes XXXX XXXX XXXX collecting off XXXX XXXX after 10 years of this bill she got {$660.00} still balance {$1700.00} pay for court ssi taxes XXXX michigan takeing it from XXXX leaveing her with {$0.00} amount. steeling XXXX XXXX   yearsold women.
Product: Credit card

I had a credit card account with XXXX, but due to unfair practices I discontinued services and the card was charged off. Once charged off I never made any contact with the collection company 's that somehow bought debt that was charged off. Midland Funding is reporting inaccurate information- I 've never spoken with them or updated anything. I requested full validation including original documentation with my signature. This is the second collection company who has touched this account reporting inaccurate information i.e. the total amount due and reporting/update dates.
Product: Credit reporting or other personal consumer reports

This is my first endeavor 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, block 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

My account was in deferment ( I have a letter from them stating this ), however they have me showing 30, 60 & 90 days late. I have called them and they say it is accurate and will not fix it. This is not accurate and needs to be fixed immediately.
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted CARRINGTON MORTGAGE SERVICES & they told me I've never missed a payment, yet XXXX and XXXX refuse to remove me from being listed as 30 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. Iconstantly have to do XXXX and XXXX 's job for them to shield my credit & prove myidentity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

CARNGTN MTG  XXXX
Product: Checking or savings account

My husband and I have been HUGELY profitable customers of Chase for over 30 years carrying high balances, an active HELOC and at one point a mortgage. In exchange for their earning huge profits on our high balances and paying a pittance in interest they gave us free checking. Wow. For the last few months my balance in one of the accounts fell to the point where they began charging $ XXXX. Contacting them for relief there was ZERO understanding of the fact that we have been long time, highly profitable and loyal customers. They deferred to the fine print buried deep inside their XXXX XXXX XXXX as a reason why they were under no obligation to refund fees. 

Chase is earning record profits. 

Why do the regulators allow them to continue to treat their customers XXXX XXXXXXXX? 

They should not be allowed to rely upon XXXXXXXX XXXX XXXX mailed eons ago ( or worse, sent via email which noone reads anyway ) written in mouse type as a reason to justify their taking advantage of customers and milking our accounts for money that goes to XXXX XXXX and his minions in outrageous bonuses. 

Why don't you hold them more accountable? 

PS part of the reason I decided to send this complaint is that, as a former banking executive, I know they will be put through the hassle of having responded. Had they treated me with some respect and fairness it would have cost them less money and hassle, and I would not be bad-mouthing them to anyone who will listen.
Product: Student loan

I have applied for the XXXX multiple times, even prior to my current loan servicer, which is MOHELA. Every time my request was denied. Recently, I received a notice that the signature of my employer is not sufficient ; however, upon denial of my XXXX request, Mohela recognized my military service prior to 2006 but does not recognize the service as identified by my unit administrator.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering items 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 items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report Dear CFPB, I am writing to formally dispute the reporting of late payments associated with the above-referenced account on my credit report. Upon reviewing my credit reports from XXXX, Experian, and XXXX, I identified discrepancies that are both inaccurate and harmful to my credit standing. The late payments reported are not reflective of my actual payment history. Specifically : XXXX and Experian reported three 30-day late payments for XXXX, XXXX, and XX/XX/XXXX, while XXXX shows no reported late payments for this account. 
Experian removed one late payment upon a previous dispute, and XXXX has now updated the account to reflect " none reported. '' Reason for Dispute : The reported late payments for XXXX, XXXX, and XX/XX/XXXX do not align with my records. Based on my financial documentation and bank statements, all payments for this account were made on time and as agreed.

Violation of the FCRA : Pursuant to the Fair Credit Reporting Act ( FCRA ) : 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) : Consumer reports must not contain inaccurate information about transactions or experiences.

15 USC 1681i ( a ) ( 7 ) : Upon request, you are required to provide a detailed description of the procedures used in your investigation of the disputed information.

Action Requested : Investigate this account and update all late payments for XXXX, XXXX, and XX/XX/XXXX to reflect a status of Paid As Agreed, Never Late.

Provide a description of the investigation process and evidence used to verify the accuracy of the reported information.

Remove any negative notations associated with the late payments on this account.

If you can not verify the late payments, please provide the procedures and evidence used for the verification. Failure to provide this information within the legally mandated timeframe will be considered a violation of the FCRA, the Consumer Protection Act, and the Truth in Lending Act.

I expect a written response within 30 days from the receipt of this letter. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not updating information correctly.when I reported experian for failure to accurately report items that were paid, experian retaliated by dropping my score by XXXX item was paid off ( XXXX XXXX ) other credit bureaus raised credit score while experian dropped me XXXX points. Another negative item ( XXXX XXXX  ) that wasnt supposed to be there got removed XX/XX/XXXX Experian then dropped me XXXX points. The item that was removed was originally deleted on XX/XX/XXXX by the other two credit bureaus and experian recklessly put it back on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Equifax last XX/XX/2021 and until now I didn't received any response, it is over 45 days so now this is a violation of 15 US Code 1681i ( 6 ) ( a ) Failure to send results of reinvestigation in writing within 5 business days by mail.
Product: Debt collection

They call daily around XXXX and continue to call of the course of the day up until XXXX. I have asked them numerous times to stop calling and send me written documentation. I have asked them to only communicate with me via mail and they have not complied. The representatives are rude when asked questions so Im able to verify the alleged debt.
Product: Credit card or prepaid card

Synchrony bank calls me at all times of the day and even on Sundays. I have blocked them multiple times and they use multiple phone numbers to make the calls. I am using a debt management company to help me with my debt and have tried to update my information with the company directly and it is not working.
Product: Debt collection

I have not received any validation documentation from United Revenue Services. I sent a letter requesting this debt be validated and it has not been properly validated. I received a bill on XX/XX/19.A bill is not validation, I'd like to see original documentation with my signature. I am allowed under the Health Insurance Portability and Accountability Act to protect my privacy and medical records from third parties. 
-Please provide breakdown of fees including any collection costs and medical charges. 
-Provide a copy of my signature with the provider of service to release my medical information to you. 
-Cease any credit bureau reporting until the debt has been validated by me.
Product: Debt collection

I would like to file a complaint against Shellpoint Mortgage XXXX for violations of FHA regulations. According to federal law, there is a required timeframe for the loss mitigation process to take place before any foreclosure can begin. Borrowers with FHA loans pay premiums that support the XXXX Mortgage XXXX XXXX, which is used by the FHA to cover lenders ' claims when defaults occur. The loan was insured by the Federal Government. 

The law grants homeowners, including those with FHA loans, a protection period of XXXX  days to explore alternatives before foreclosure proceedings can initiate. 

On XX/XX/year>, Shellpoint issued a notice to foreclose without adhering to these regulations. They requested payment of the full amount owed, and when those funds were not submitted, Shellpoint referred the case to XXXX XXXX XXXX, to accelerate the process ; which further contravened FHA rules. FHA loans contain provisions in them that prohibit the right to accelerate the debt and or foreclosure prior to compliance with FHA regulations. FHA backed loans do not authorize acceleration of foreclosure. Shellpoint knowing ignored all FHA rules and regulations. Shellpoint subsequently commenced foreclosure proceedings around XX/XX/year>, thereby violating federal laws in the process.
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for a Lowes Credit Card online via Synchrony Financial. On XX/XX/XXXX and XX/XX/XXXX I made several purchases. On XX/XX/XXXX I was apparently charged a Card Security Fee of {$24.00}. 

I noticed this card security fee on XX/XX/XXXX when I setup my online account. I immediately requested this be cancelled and refunded using their live chat system. They processed it but are asking me to wait 2 billing cycles for these changes to reflect. 

It is unfair that I have to pay up front for something that I did not sign-up for. It was my responsibility to get it corrected. And, it is still my responsibility to keep following up to ensure that everything is refunded to me. If I choose not to use the card, it may take up to 6mo for my money to be returned to me in a check. 

I am lucky that I noticed this immediately. A less savvy user could easily end up paying $ 100s of dollars to these crooks annually. This is definitely an overreach that needs to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Product: Mortgage

Since I can not reply to Mr. Cooper 's earlier response, I am submitting this new complaint per original Complaint Case File Reference : XXXX **Original Complaint Filed** : Mr. Cooper has provided the below 'contact ' information as the owner of my mortgage. XXXX XXXX XXXX XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Series XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX However, I am unable to contact or speak to anyone from this organization. Why am I unable to contact the investor / owner of my Note directly? I have repeatedly asked Mr. Cooper who I can talk to with no response. I call the organzation at the address and they can not put me in touch with anyone either. WHAT IS A VALID PHONE NUMBER, EMAIL OR CONTACT NAME FOR THIS " INVESTOR ''? 
***** Instead of Mr. Cooper providing me the requested information, they instead filed an extension on case resoultion with the following response ... " At this time, we are having conversations with the trustee on this loan to reach a favorable solution. We apologize for any inconvenience this may have caused and appreciate your patience. Expect to hear from us by XX/XX/2022. '' WITH ALL DUE, I DO NOT CARE WHAT CONVERSATIONS YOU ARE HAVING WITH THE OWNER OF MY NOTE! I SPECIFICALLY ASKED YOU FOR THE ACCURATE CONTACT INFORMATION FOR THE HOLDER OF MY MORTGAGE. WHAT IS UNCLEAR ABOUT THIS ASK? 

I HAVE ASKED AT LEAST 5 TIMES, 5 DIFFERENT WAYS FOR THE CORRECT CONTACT INFORMATION. YOU LIED TO ME SEVERAL TIMES BEFORE ABOUT WHO ACTUALLY OWNS MY NOTE FOR YEARS AND NOW I AM TIRED OF YOUR RUNAROUND. 

GIVE ME THE CONTACT INFORMATION IMMEDIATELY BECAUSE WHAT YOU HAVE PROVIDED TO DATE HAS BEEN INACCURATE!
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dear Credit Bureau Manager/Leader ; Listen, Im extremely upset, stressed, shocked that you havent legally verified these accounts that Ive screenshot below. Its impossible that you couldve legally verified or investigated these charge-off or collection accounts because it continues to report incomplete, unverifiable, misleading, and erroneous information into my credit report. Its my understanding reading the consumer laws under the provisions of FRCA, FDCPA, and FCBA, FCC, etc.

For example, in order for these accounts to be reported on my credit report, it needs to adhere the consumer guidelines, and it needs to be 100 % accurate, 100 % verifiable and 100 % timely. Every factor of these accounts to be as accurate as possible. 

Unfortunately, when I called and reached out to these companies, its either got transferred or reporting questionable balance, inconsistent dates of last payment, dates of last reported, dates of last active, dates of last opened, inconsistent payment history, and inconsistent account status, and high credit balance should be higher than the actual balance. Therefore, these accounts are unverifiable and incomplete, and misleading. This is illegally causing these accounts to illegally re-aged and its in violations of FCRA. Please delete these accounts from my credit report immediately from my credit report and send me an updated credit report once it has been deleted. THANK YOU!
Product: Debt collection

From XXXX to XXXX of XXXX  I reached to XXXX in hopes to acquire a rental office for XXXX of XXXX. Paper work all done I noticed the wrong duration was on the contract. It stated 2 years instead of 4-5 months. Now I ran the numbers and sure enough I could not pay upwards of XXXX XXXX dollars. 

Second to last week of XXXX this year I called and called, spoke with multiple representatives and emailed support network who said contract durations could not be changed, good luck. They stated that because their entire system is digital little to few WOULD know how to do that. Finally I reached a Manager named XXXX who I explained that I didn't want to terminate service, only adjust the duration from 2 years to 5 months or half a year. She explained that such a change IS possible and would reach out to me in a week 's time. 

That didn't happen. Not only did she provide me a bogus office number. Very few departments within XXXX had ever heard of a woman named XXXX as stated by representative XXXX. I managed to find her email and wrote as it had been over a week with no word. Her email was brief, telling me there's nothing she can do, her boss said so. I said okay and asked to put me in touch with said boss to which she replied that was not possible. 

Seemed like XXXX didn't want to help me in the slightest and I wasn't going to use a service I didn't want for 2 years. Sure enough I informed XXXX that this contract is in error and outside my means and budget. They stated the terms were locked and to proceed with making payments. 

If any real assistance would take place it would be after the collection letter arrived. So now I can complain formally and go from there.
Product: Credit reporting

I am reported with experian as having used a different last name other than mine. I know nothing about this other last name and do n't understand why it is on their credit report.
Product: Debt collection

Repeated phone calls from a Integrated Services - A XXXX XXXX claimed to represent a payday loan company and refused to provide proof. He went on to continue to call, was harassing, called me a child and a deadbeat for not paying my debts. Threatened to file a XXXX filing against me unless I paid him over the phone. I called back to get their attorney information and ask they stop calling. I was provided the name of XXXX XXXX. hey would not provide me any information, would not validate the debt, only continued to say I was a dead beat for not paying and threatening legal action. 

I have the first voice mail included that they threaten to file a lawsuit included.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.