23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block, Iinc ) due to inadequate customer service and unfair practice, 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 Electric Fund Transfer Act ( EFTA and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out end of last year when I tried applying for a car loan that a XXXX XXXX credit card account was created in my name in XX/XX/XXXX and it has a {$16000.00} balance on it. The history shows OK payments up to XX/XX/XXXX and there is a credit limit of {$4200.00} ( Way less than $ XXXX ). I have not been watching my credit up to now so I was unaware of this and I have not been informed of this debt against me. It shows the account was written off because they were unable to collect on the debt. The account is also showing against an Arizona address where I have never lived at so I disputed this as being fraud by whoever is living at that address. XXXX XXXX responded to my dispute with a letter saying that the information provided shows no evidence of fraud and they are not taking any action. That doesn't make any sense. It seems XXXX XXXX is intentionally ignoring the evidence they already have in their possession. No additional evidence is needed. I did not apply for this account so obviously the owner of the house stole my identity. XXXX XXXX is not attempting to collect from that address. XXXX XXXX Bank is intentionally committing fraud by placing an fraudulent account on my credit that doesn't belong to me and intentionally hurting my credit. I have not applied for much credit in my life but because of my low score, I have a hard time applying for credit now. I have a rights by the Fair Credit Reporting Act. How does someone manage to get {$16000.00} out of a credit card account with only a {$4200.00} credit limit and using my information when I barely have any background of credit at all? The attached file shows clips of the owner of the property and details linking the debt to that address. Information was gathered from my XXXX  credit report and from the XXXX Assessors website.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my numerous endeavor to tell CREDIT BUREAUS 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. I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report and the Police Report which I have filed in my local Police Department. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud.Pursuant to Section 605B of Fair Credit Reporting Act these unknown items must be deleted : XXXX XXXX XXXX XXXX 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

****This is An Attempt to Renegotiate Federal Student Loan Debt***** Currently, I am in Chapter XXXX Bankruptcy in the XXXX District of North Carolina - XXXX. While presently none of my Chapter XXXX payments are being sent to the Nelnet, the servicer for my XXXX XXXX Loans, the interest keeps accruing. Currently, my loans are in deferment because of the Chapter XXXX case. Also, I am currently on the PAYE repayment plan for my student loans. I have attempted to see what my current balance is, but because of my Bankruptcy case, Nelnet has block me from accessing my account online. 

I am requesting relief from outstanding interest. I would the interest forgiven/cancelled and have my interest rate set to zero percent. In effect, I would only be repaying principal balances, not interest on top of interest. 

Fact is, I have several medical condition including XXXX, which has limited my career options and has been an impediment to advance in my field. While, I hold a XXXX in my field, because of my XXXX, I will likely never be advanced to an XXXX level or XXXX level position because they both require the ability to XXXX. In fact, I am unable to obtain a higher paying management position in my field because of my XXXX. Fact is, hiring managers are prejudicial towards people who stutter. Right or wrong, that is the way our society perceives people who XXXX like me. If need be, I can provide letters from medical professionals and XXXX who can attest to the career and financial challenges that somebody who XXXX experiences. 
On the legal side, my ex-wife consistently engages in family court litigation with me because she does not like sharing custody of our XXXX year-old daughter. She has engaged in acts of parental alienation and consistently makes an effort to drain what little money I do have for a lawyer to fend her off in family court litigation. 

Again, to surmise, I am requesting relief from outstanding interest. I would the interest forgiven/cancelled and have my interest rate set to zero percent. In effect, I would only be repaying principal balances, not interest on top of interest.
Product: Credit reporting

Equifax continues to report unverified information, and refuse to verify the accounts in according to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ). they are required by Federal law to verify through the physical verification of the original signed consumer contract. Equifax is in violation of this law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 unverified accounts showing on my credit report with equifax. I have sent them 2 sets of letters requesting the unverified and erroneous items be removed. Every time I get the generic reply verified. I have not been shown any information that has been requested such as contract, agreement, etc with my signature showing I authorized any of these items. Not to mention not correctly verifying these items I they have re-aged these items to appear that they were just reported. The first account is for XXXX XXXX XXXX, the second account is XXXX XXXX, and the third is for XXXX. Again these three accounts are unverified, incorrect, false, erroneous and now have been re-aged by equifax. This is not the only concern I have. There is also a concern of me being a victim of identity theft in which I filed the proper reports with the correct authorities including identity theft.org. I have also sent numerous letters to equifax requesting these inquiries not made by me to be removed and all I get is the same verified. I went a step further and contacted the corresponding companies in which these inquiries pertain and they have not provided any document with my signature showing where I authorized these. All I want is the unverified, inaccuracies removed from my report. I would also like to add I have even pointed out to equifax that how these items are only being shown on my credit report by their company and not any of the others. XXXX and XXXX have removed these because they were found to be unverified. Please explain to me how equifax can verify these when no one else can. Not to mention I was a victim of the 2017 equifax data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have tried to re apply, and even with a co-signer ; we even went through the Navy federal credit union, thinking it would be safer. We are being harrassed and stalked where we live by the landlord and surrounding law enforcement officers, they keep harrassing my daughter, in the past year my daughter has been arrested for XXXX XXXX and protesting peacefully. We are having many issues here in XXXX XXXX, due to the faternities that are here in this area, there are many associations and groups. Seems to be the individuals that we are struggling with have the cappability to ruin someone's life whether they deserve it or not. 
I believe that my son in law XXXX XXXX and I bought a house under the same loan # XXXX ; XXXX # XXXX assessed in XXXX after our interest into the property. I am a XXXX veteran, from XXXX XXXX era. We have been trying to move into our own house, with no stress, except we apparently have had our identity stolen along with our family LLP. Professionals during covid feel they dont have to conduct business correctly, and victimize veterans whom have very little. please help us get our propertry, or identity from being stolen. please, we have been victims of the current circumstances. 
Thank You, XXXX. XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, XXXX XXXX XXXXXXXX, IN Florida, XXXX XXXX XXXXXXXX, MAKE OATH AND SAY THAT : XXXX. I have never had an account with these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE from all credit agencies from reporting. 
2. consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3. This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4. I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are XXXX XXXX XXXX the debt collector 15 U.S.

Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all further efforts pursuing to 15 U.S. Code 1692c ( c ) ( 1 ) 5. I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6. According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7. 15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8. As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9. While pursuing to 1692g ( b ) the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10. 15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information.

Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681. Moving forward I would like you to stop reporting to all credit companies that I owe any amount to your company. Remove all false debts from my reports ASAP. I will also like your company to mail me via postal mail that all the changes have been made or attempted to be made within 10 days of this notice. 

Name XXXX XXXX Address XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX Social XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX credit card thats been on my report since XX/XX/2010 state limitation it should have came off I dispute it and they updated on a closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Made a purchase of {$100.00}. XX/XX/21, XXXX reported my credit at 30 % usage. before regular reporting causing my credit score to drop XXXX points. My balance was @ XXXX. This kind of reporting has occurred in the past causing my credit report to drop eventhough I paid on time. Also, when I tried to make payment for the full {$100.00}. balance I could not because my acct. shows a XXXX balance. Needless to say, the account report on XXXX XXXX XXXX site is not correct. 

In addition, payments made on time directly from my bank 's bill pay have been XXXX in XXXX 's system and credited after the due date. Their records do not seem to regularly updated. 

Though I have circumspect in paying this unsecured credit card on time and minimizing account usage, my credit rating has not improved at all throughout the time I have had this card. There seems to be something wrong with this outcome. I would appreciate your review of these issues. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in MyScoreIQ and XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 

XXXX XXXX XXXX XXXX XXXX : {$13000.00} ; XXXX XXXX XXXX XXXX Balance : {$330.00} ; XXXX  XXXX XXXX Balance : {$430.00}
Product: Credit reporting or other personal consumer reports

On my Credit Bureaus, American Express is reporting XXXX old accounts that should have fallen off of my credit reports. The following XXXX accounts were closed in XXXX : XXXX XXXX  ( {$95.00} ), XXXX XXXX  ( {$190.00} ), and the XXXX XXXX  ( {$450.00} ) .The Fair Credit Reporting Act ( FCRA ) protects me as a consumer to make certain my credit reports are accurate. This is XXXX and the current information that is reporting on my credit reports from American Express are beyond XXXX years old!
Product: Debt collection

I contacted CFPB in XXXX concerning this issue. 

Thankfully, the company claimed to delete the issues I stated. I've attached the notice from the company. 

But these charges are STILL appearing on XXXX XXXX. XXXX XXXX claims the company has NOT deleted the items. 

I want them to delete immediate as they promised.
Product: Credit card

Once again, I have an account with Best Buy and I have the app for Best Buy when I look in the app. There is an option of my Best Buy credit card offered by Citibank now they say theres no open card. However I will upload this is literally an option for me to pay the bill, if theres no credit card in your name, Im pretty sure thats not a default option in the app. This is happening with multiple companies. Oh, when you cant get the credit card number because youre not the account holder or however, they pull this off but I mean, XXXX cant make sense of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had been paying since XXXX of 2021 as part of a court ordered repayment plan. This has not been showing " payed as agreed '' on my credit reports. On my XXXX report it has been showing " no data ''. I have attached proof of the trustee payment report to the court as well as the Court order. The companies name is Creative Finance Inc and XXXX, XXXX and XXXX are the reporting agencies. 
CREATIVE FINANCE , INC . 
XXXX XXXX  XXXX XXXX XXXX  XXXX, WI XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My most recently reviewed consumer report, there are unverified accounts listed. I have received mail from various companies seeking to collect an alleged debt on behalf of another company. I have never heard of nor done any business affiliation with them. I requested VALIDATION of the debt which was not provided. It is absurd that this company put something like this on my credit file. I found that to be odd because the credit bureau is to report nothing but accurate information about me. So how are they supplying information to the credit bureaus about me when they have not provided me with validation. 

I am requesting the following ; Show me how you calculated what you say I owe. 
Copies of signed documentation that show I agreed to pay what you say I owe. 
What bounds me to you? 
What kind of business dealing have I done with you? 

As a reference, please see the below accounts in question that must be REMOVED : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX - Here is what the law states about investigations : 623. ( b ) Duties of furnishers of information upon notice of dispute.

( 1 ) In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 1681i ] ; ( C ) report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and which compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly : ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.
Product: Credit card

I frequently use by card ending in XXXX, charging approximately {$60000.00} per year. I consider myself a good customer of the bank. I ask no special favors. I just want to be treated fairly. Today my card was denied for no apparent reason. Substituted another card, then went to the website. The site directed me to call XXXX. I did so, and the result was a nightmare of sitting on hold, listening to recording, fighting past menu selection, finally reaching people who did not understand why I was calling, or couldn't help me, or wouldn't help me, or put me on hold but dropped the call, or said they would transfer me to supervisors and then dropped the call. In XXXX instances, agents said they would call me back, but they never did. Ultimately, I realized it was going to be impossible to resolve the matter. So I called the number on the back of my card XXXX, and the results were the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX and XXXX are sharing my credit information without my signature persuant to 15 .u.s.c 1681a # 2n and 15 u.s.c 1692gb and engelhardt v.gravens
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an issue with a collection account on my XXXX credit report. I have contacted the collection called Professional Bureau of Collection of  Maryland and they are rude and unwilling to comply to the FCRA and FDCPA demands I made. I contacted XXXX XXXX and spent over an hour on the phone with being transferred three times to three different people and departments. In explaining the issue and that this debt collector is not only attempting to collect a debt not mine, without FCRA required proof of debt and documentation, it is ALSO over the Texas statute of limitations and is WAY beyond the 4 year mark. The end result of the hour conversation with XXXX XXXX led to me being told this would be electronically sent to the collection and they have up to 30 days to remove it. This is completely unacceptable to me. I would like the CFPB to please prompt XXXX XXXX to correct this error especially since they admit it is violation of my FCRA rights and they are reporting this KNOWING it is XXXX, in violation and damaging my credit. 
I have taken every action I know and refuse to accept that this can not be taken care of immediatly and not in a 30 day period. 
Thank you in advance for your help. If there is anything else I can provide please let me know. I need this off my credit immediately please.
Product: Debt collection

On XX/XX/XXXX I filed a complaint with the CFPB against XXXX XXXX. In retaliation, XXXX XXXX called my employer requesting verification of my employment by my social security number. I filed a second complaint and I was contacted by Ms. XXXX XXXX who advised that the debt that they attempted to collect was not legal as they had this debt in their office since XXXX and did not make any attempt to collect then, and the agent who advised of the debt had misinformed me. I was assured that no effort to collect this debt would be made as the statute of limitation had passed. I have since received notification that a collection of {$310.00} by XXXX XXXX has been reported on my XXXX   Credit file by XXXX XXXX. Upon checking the account and the date opened on my credit profile it is apparent that this debt was settled and XXXX XXXX is attempting to collect this debt once more.
Product: Checking or savings account

Every time I tried to open a checking accounts it automatically declines and sends them to XXXX XXXX XXXX but they don't resolve nothing and I want to know why is this happening and what can I do from my part to resolve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On a numerous of occasions, I have disputed a 30-Day late payment for the month of XXXX removed, due to a system error on Navy Federal Credit Union 's end. Also, I have uploaded supporting documentation to have the Navy Federal Credit Union account ending in XXXX updated to have the 30-Day Late Payment removed from the credit file, but XXXX did not remove it, but instead they keep verifying that the information is accurate and it was verified, but they did not verify anything. Please let this be the final dispute documentation to have this account updated immediately to have the 30-Day Late Payment For XXXX to be off of my credit file before I take this to court and sue for damages for violating the FCRA, and violating the 15 USC Section 1681a ( d ) ( 2 ) ( A ) ( i ). Please correct this matter immediately. Thank you in advance.