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. 

Account name : XXXXXXXX XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, has violated m

y 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 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 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer financial protection act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX DOB : XXXX/XXXX/1968 Credit Reporting Letter According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a Credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. 

I demand to see verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable proof, you must remove the accounts listed bellow. 

I demand the fallowing accounts be verified or removed immediately. 
XXXX XXXX XXXX XXXX XXXX Unverified Account Please remove all non-account holding Inquiries over 30 days old. 
Please add Promotional Suppression to my credit file. 

Thank You XXXX XXXX
Product: Student loan

I have had several instances where I have needed financial assistance based on the high interest rate and monthly cost of my graduate loans ( in spite of being on an income-driven repayment plan. ) According to Navient 's payment history - since XXXX of XXXX I have paid approximately {$720.00} dollars towards the principal of the loan ( currently over {$42000.00} - but was only {$39000.00} at the end of grad school. ) In that same time period I have paid almost {$8000.00} in interest. The last three months ( for example XXXX, XXXX, and XXXX XXXX ) payments of more than $ XXXXmonth have been paid - but not a single penny has gone towards the principal. How is this NOT like debtor 's prison? The last phone call I put in to customer service, they literally told me to " just pay the interest for ten years and then request forgiveness of the loan. '' But that would amount to tens of thousands of dollars in pure profit to Navient with absolutely no benefit towards paying off the debt. I 'm interested whether they are being sued privately. I know they 're being sued by the CFPB, and a couple states - and I intend to be involved there. But I 'm wondering if there any private citizens involved in class actions - if so - how do I get involved there?
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX  XXXX XXXX {$21000.00}
Product: Debt collection

I starting to receive numerous robocalls about a month ago on our home phone with caller ID showing Navient from an entity claiming to be a XXXX XXXX agency for Navient saying we owe on a student loan. 

They call XXXX or XXXX times a day between XXXX and XXXX pm. 

We have never taken out a student loan and our credit history is clean. 

I have picked up the call several times but only get a recording telling me to call back XXXX. I have NOT called this number. 

How can I get them to stop harassing me? 



Sent from my XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> To Whom It May Concern : On XX/XX/year>, I filed my 1 st complaint ( Complaint ID XXXX ) with the CFPB stating the accounts on my credit report with the laws TRANSUNtON has violated. 
On XXXX XX/XX/year>, TRANSUNION responded with a VERIFIED AND ACCURATE response to my 1 st complaint *** XXXX XXXX *** On XXXX XX/XX/year>, I initiated my XXXX complaint with the CFPB ( Complaint ID XXXX ) asking TRANSUNION to send me their METHOD OF VERIFICATION used to deliver a VERIFIED AND ACCURATE response to my XXXX XXXX complaint with the CFPB. 
On XX/XX/year>, TRANSUNION responded again with a VERIFIED AND ACCURATE response. *** XXXX XXXX *** This is my 2ND REQUEST for your METHOD OF VERIFICATION in accordance with FCRA 611 ( 15 U.S.C. 168i ) ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Once again, I am writing to request the method of verification for dispute initiated and the subsequent response received. The following accounts remain on my credit report, and they should be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please send the following information used to verify the validity of these accounts that were previously disputed.

1. The name of the original creditor 2. The creditors address and telephone number 3. The person 's name they verified the dispute with 4. The documentation used to verify the dispute.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the infomation you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
Product: Credit card or prepaid card

This is regarding 3 XXXX credit cards that have been already closed and I dispute any card closure that is associated with me ( If even closure has to be posted on the credit report then there should only one closure for the account due to the fraud related with the credit card, there are closing of same credit card with three entries ). I have already filed a police complaint about the misuse of the credit card and a copy of the police report is attached. Cpl. XXXX XXXX and Officer XXXX XXXX have ensured that they will provide any additional clarification or information regarding the investigation. Please remove the three entries of the closure of the same credit card that has been posted on my credit report, for which I am not responsible.
Product: Debt collection

This company really is predatory and abusive, I can hardly believe that they are still up and running. I had submitted a complaint on midland credit on XX/XX/XXXX  in which it mentioned that I wanted them to cease all communication as described in the FDCPA and how I am well informed with my rights as a consumer. Midland Credit Management really believes that consumers are stupid as they responded to my complaint stating that they are able to sue me which is a clear threat of something they can not do which violates the FDCPA, more specifically 15 USC 1692e ( 5 ) as they can not threaten to take legal action. Furthermore, if they were to proceed with litigation they would be in violation of a very clear law under this act, 15 USC 1692i ( b ) which specifically states that a debt collector CAN NOT take legal action against a consumer. Additionally they have stated that they will only cease communicating with me directly which completely undermined my notice and 15 USC 1692a ( 2 ) /15 USC 1692c ( c ). They continued to harass me indirectly by continuing to report this information to consumer reporting agencies which is a violation of 15 USC 1692c because the fair debt collection practices act defines communication as " conveying of information regarding a debt directly or indirectly to any person through any medium ''. Clearly an indirect medium is credit reporting. Of course I screen shot the law that was on the FTC.GOV website and attached it to this complaint. This company also stated that they have the right to collect on this transferred instrument which is completely false as I did NOT endorse the transferred contract. I am prepared to make Midland credit face the fullest extent of the law as they clearly DO NOT CARE ABOUT THEIR ABUSIVE AND OPPRESSIVE PRACTICES. They have yet to provide me with the entire purchase agreement, not just the bill of sale and my wet ink signature to prove that I endorsed the transferred instrument with midland credit to validate this alleged debt.
Product: Debt collection

PULL MY CREDIT REPORTS SEEN THIS DEBT ON MY REPORTS. DEBT IS NOT MINE, HAVE NO KOWLEDGE OF THIS DEBT. IF THIS COLLECTTION COMPANY CAN NOT PROVIDE ME THE ORIGINAL IFORMATION ABOUT THIS DEBT OR ACCOUNT. THIS DEBT SHOULD BE DELETE FROM ALL 3 MAJOR CREDIT BUEAURS. THANKS. FOLLOW UP I CONTACT XXXX XXXX XXXX. THEY TOLD ME THEY HAS KNOWLEDGE OF NO ACCOUNT AT ALL. THIS NOT XXXX XXXX XXXX ISSUE, THIS A MIDLAND FUNDING YOU GUY 'S ARE THE ONE 'S REPORTING THIS ACCOUNT ON MY CREDIT REPORTS.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of list accounts a personal loan or loans, a credit card or credit cards, and any other accounts from XXXXXXXX XXXX with a balance of {$29000.00}, XXXX XXXX with a balance of {$210.00}, XXXX XXXX with a balance of {$470.00}, XXXX with a balance of XXXX XXXXXXXXThese accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX from FTC report ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Leased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. The care was in an accident on XX/XX/19 and subsequently declared a total loss by XXXX. XXXX paid XXXX in XX/XX/2019 for the loss and I had made the XX/XX/2019 payment just in case there was a lag in the insurance payoff. At the time of the XXXX payoff my account was not delinquent and should have been close at that time. The account has not been closed as of today XX/XX/19, I am owed {$3300.00} dollars that XXXX has not remitted and they have reported me as thirty and sixty days delinquent. I have spent several weeks trying to resolve this with XXXX financial to no avail and I now need help from their regulator.
Product: Money transfer, virtual currency, or money service

Here is the text from your image for you to copy and paste : ( 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. 

Let me know if you need any edits or additional help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Vehicle loan through Capital One. Car was totaled in an accident. After insurance balance on account was {$1400.00}, gap insurance was supposed to cover and did not. Started making payments to resolve account. Made all payments in full and Capital One turned over as a charge off when the account was paid. Now this has made my credit score drop almost 100 points and I now have a negative rating on my report. Disputed and all they did was update as paid. Did not remove the negative hit on my credit. Another dispute has been submitted and Capital One will not discuss account any further.
Product: Credit card

XXXX keep saying I authorize and responsible for the charges even tho I didnt authorize anything and Ive been fighting these charges for over XXXX year and now my balance is like XXXX even tho I didnt authorize it! And they refuse to help!
Product: Credit reporting or other personal consumer reports

I filed a CFPB to assist with my concern of XXXX reporting that I owe a student loan to the Credit reporting agencies. The company responded that they are not the appropriate company to address my issue. 

The credit report has XXXX 's name. Thus, XXXX is responsible to remove the incorrect information. XXXX has sold the loan to XXXX and still reports the information under XXXX. The loan has been forgiven under a Total and Permanent Disability, yet it is showing up on my credit report under XXXX. Because the loan was forgiven, a loan should not show in my credit report under any Student loan servicer, much less XXXX, which no longer serviced the student loan. This is definitely the responsibility of XXXX to remove XXXX 's incorrect reporting from my credit report.
Product: Mortgage

In XXXX XXXX, my mortgage loan was transferred without notice from XXXX XXXX XXXX to Nationstar Mortgage. I continued to pay XXXX the monthly mortgage and was assessed a late fees and received bad marks on my credit because I did not know the payee had changed. In XXXX XXXX, my regular payment was not credited to my mortgage. Instead Nationstar put the money in a 'reserve account ' and has since used it to pay a {$200.00} increase in my monthly payment. ( My ARM is not scheduled to increase until XXXX XXXX All of this was done without any notice to or agreement by me. I 'm concerned about making any payment as it may, again, be used for a purpose other than my contracted mortgage payment.???
Product: Credit card

Re : credit card number ending XXXX I was advised multiple times since XX/XX/2023 ( the date of my last payment ) that late charges prior to that payment would be waived if I made the payment in full ( approx {$63.00} ), which I did in XX/XX/2023. In XXXX, when I saw that, not only the old late fees were not waived as promised, but new late fees were added to my account, I called again and spoke to a customer service rep in length, and was once again promised that all late fees would be removed and my account should have XXXX balance. In XXXX when that did not happen, I started working with XXXX who represented herself as a supervisor. We had multiple conversations from late XXXX to XX/XX/XXXX. During that time XXXX stated repeatedly that she would try to get it resolved, apologized for the delay in communication, and asked me to be patient. In the meantime, more late fees were added to my account ( and some interest ). I wrote to XXXX on XX/XX/2023 via XXXX Mail to formally dispute the balance, and refused to pay. XXXX now reported my account to the credit bureau as " Dilinquent '', and never replied to my written correspondence. 

This is a classic case of " Junk Fee '' charged by the credit card issuer.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX 's handling of dispute, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking thee transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to XXXX  the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Prepaid card

Cards are declined everywhere ( e.g. online, brick and mortar stores, etc. ) despite Amex reporting a balance of {$300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violatons attached and listed FTC Approves Final Consent Order Against XXXX XXXX XXXX XXXX For Misleading Consumers About Cost of Cars SHARE THIS PAGE XXXX XXXX XXXX FOR YOUR INFORMATION XX/XX/2015 TAGS : deceptive/misleading conduct XXXX XXXX of Consumer Protection XXXX XXXX XXXX XXXX XXXX XXXX Consumer Protection Advertising and Marketing Following a public comment period, the Federal Trade Commission has approved final consent orders against two XXXX XXXX auto dealers that misrepresented the cost of cars in advertising. 

In XX/XX/2015, XXXX XXXX XXXX, doing business as XXXX  XXXX, and XXXX XXXX XXXX., d/b/a XXXX  XXXX, agreed to settle FTC charges that their ads included heavily discounted prices that were not generally available to consumers. 

The consent orders prohibit the dealers from misrepresenting the cost of financing or leasing a vehicle, stating the amount due at signing without disclosing certain lease terms, and failing to comply with Regulation M and the Consumer Leasing Act, and Regulation Z and the Truth in Lending Act. They are also prohibited from stating the amount or percentage of any down payment without disclosing repayment terms and the annual percentage rate. 

The Commission vote approving the final XXXX  XXXX and XXXX  XXXX consent orders was 5-0. 

To learn more, read Buying & Owning A Car.

The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, unfair, and abusive debt collection practices. ... Because certain practices that violate the FDCPA also violate the FTC Act, the FTC also uses the FTC Act to halt unfair or deceptive debt collection practices.
Product: Credit reporting or other personal consumer reports

I called Experians XX/XX/2024. Ask them about why is it taking more than 90 day to update my address. They said that nothing is wrong with my account. So I applied for a mortgage XX/XX/2024 thy could not get a credit report from Experians because my address is not correct
Product: Debt collection

I, XXXX XXXX, give authorization for AMSHER CREDIT COLLECTION to move forward with this complaint. 

THE COMPANY " XXXX XXXX XXXX '' HAS MAILED CORRESPONDENCE IN THE MAIL STATING I OWE THEM IN THE MAIL AN ALLEGED WITH Amsher Credit Collection Services. THEY HAVE PURCHASED A DEBT WITHOUT ME BEING INVOLVED IN THE TRANSACTION. XXXX XXXX XXXX HAS CREATED A DUPLICATE ACCOUNT. PURSUANT TO 15 U.S. CODE 1692E. False or misleading representations. USC 1692 Notes a debt collector may not use any false, deceptive, or misleading representations or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any state, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to- ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, Auto Dealership Named XXXX XXXX XXXX XXXX ran 11 credit inquiries without my consent. The dealerships address is XXXX XXXX XXXX XXXX XXXX, FL XXXX and their phone number is XXXX. The sales person I worked with, XXXX, said he would only perform a soft inquiry. Could these inquiries be removed from my credit report please? They lowered my credit score significantly.
Product: Debt collection

Called on XX/XX/21 and told me they have papers to serve me at my work or my home, gave me a case number and told me to call them back and place a " stop order. '' When I called they asked for my social security number to verify my identity which I refused to give, they then told me that they sent my case to litigation but could not provide what court it was in. Told me the case number was just an account number with them. I questioned how they could possibly serve me papers without a court case number. They hung up on me after I refused to give them any information.