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

XX/XX/XXXX, I disputed the way Equifax reported on a collections account that I have been paying every month. Therefore, the balance is decreasing every month. The balance is currently {$15000.00}. Equifax 's report reflects a decrease in credit score whenever a payment is made and reported on this collection account as if this was a new collection item. The score drops between 18 and 23 points when this happens. I will continue to pay on this collection account. My credit report should not reflect a decline in my score whenever I make a payment each month. I disputed this situation with Equifax on XXXX/XXXX/XXXX and when I made my XX/XX/XXXX payment, Equifax did not show the decrease in my balance from {$15000.00} to {$15000.00} and decreased my score on XX/XX/XXXX by 18 points with no other negative activity on my report. This report is about Equifax and the way in which their program is unfairly and inaccurately reporting on payments made on collections accounts. There is nowhere in the FCRA that allows for this kind of Credit Bureau action/inaction in response to positive behavior. It is scoring my report as if a negative action took place or as if no positive action had taken place. This is a design, programming or other flaw in the system that needs to be addressed. The people involved are myself and Equifax. No individual has identified themselves from Equifax in their response or lack of response. They promised a response by XX/XX/XXXX regarding this matter and NOTHING has happened. Nothing changed. Their response is still pending. Today is Monday XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against casp 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 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: Money transfer, virtual currency, or money service

I am filing a complait against Cash App ( Block Inc. ( XXXX XXXX XXXX XXXX XXXX Oustomer 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 procese a XXXX unfair XXXX deceptive, as they Aid no. 

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 or other personal consumer reports

Upon looking at my credit report I noticed that their were several accounts that were fraudulently opened in my name wihtout my permission. Mywallet and ID were stolen out of my luggage while traveling out of town from XXXX XXXX in XXXXXXXX XXXX XXXX However, I noticed that when looking at my credit profile there were several accounts opened fradulently in my name since XXXX which were : XXXX ( autoloan ), XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. There were also inquiries made to XXXX XXXX XXXX which were fraudulent inquiries as well. 

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to XXXX response. It is obvious the did not read my concerns & their only concern is about being right. If they took the to understand that I have had an issue with our bill pay & XXXX not receiving my payment in time. According to our payment we made in XXXX it was received by XXXX on XX/XX/29. XXXX is claiming they received on XX/XX/XXXX. Causing a late on my credit report. The same issue happened in XXXX. We made a partial payment and the final payment again on XX/XX/XXXX which would have been the remaining amount due. Once again, we did our payment via bill through XXXX. Once again, XXXX stated it was delivered, we waited & waited & the payment did not post to the account. We contacted XXXX & they said the error was theirs which we provided proof in our first complaint which fell on deaf ears because XXXX HAS TO BE RIGHT ALL OF THE TIME. The error wasn't ours. There was an issue with the bill pay. And I was reported late once again. I had been in communication with XXXX and exlained my situation several times. A customer service rep advised us to provide the paperwork from XXXX XXXX XXXX which I did in my first complaint. Which I know you didn't even bother to read. If you would have you would have seen the communication between XXXX and myself. I am respectfully asking you take a moment to see the error was with XXXX - and I shouldn't be penalized for their misktake. I am asking for a Manager to review the information previously provided & for someone at XXXX to care about their customers. The service I have been receiving is horrible and I am beginning to feel as I am being discriminated against.
Product: Credit card

I am writing to formally dispute the {$1100.00} interest charge that has been applied to my account, as I believe this charge to be in violation of the Federal Trade Commission XXXX ( FTC XXXX ) and consumer protection principles. 

When I originally acquired the service from CareCredit MD, I was explicitly informed that the financing would be at 0 % interest until the balance was paid off. This verbal assurance led me to make decisions regarding the management of my finances and payment schedule. I made significant payments towards this balance, with the understanding that I was not incurring interest. 

However, I recently noticed an interest charge of {$1100.00} applied to my account, which is contrary to the verbal agreement at XXXX XXXX of sale. I acknowledge that I signed a document regarding the service, but I was given verbal information that directly contradicted this document. 

Additionally, I'd like to bring to your attention that I communicated my concerns to a customer service supervisor via chat. I was assured that there would be an internal investigation regarding this discrepancy, however, they did nothing to resolve my issue. 

As per the " Standards for Determining What Is Unfair or Deceptive '' under the FTC XXXX : Deceptive Acts and Practices : " A representation, omission, or practice is deceptive if it is likely to mislead a consumer acting reasonably under the circumstances and is likely to affect a consumers conduct or decision regarding a product or service. '' Assessing Whether an Act or Practice Is Deceptive : The three-part test dictates : a. There must be a representation, omission, or practice that misleads or is likely to mislead the consumer. 
b. The consumers interpretation of the representation, omission, or practice must be reasonable under the circumstances. 
c. The misleading representation, omission, or practice must be material. 

Given the above sections of the FTC XXXX, the verbal assurance I received about the 0 % interest financing meets the criteria of being deceptive. It was a representation that misled me, my interpretation of the representation was reasonable given the context, and the representation was indeed material as it influenced my decision to obtain the service and affected my subsequent financial decisions. 

Furthermore, the act of not disclosing this significant interest charge, especially when contradictory information was provided verbally, can be viewed as " omission of information '' which XXXX be deceptive as " disclosure of the omitted information is necessary to prevent a consumer from being misled. '' In light of the above, I kindly request that the {$1100.00} interest charge be reversed from my account and any future interest charges based on the same be stopped. I also urge CareCredit MD to honor the verbal agreement that was made at the time of purchase, which was in alignment with my reasonable expectations as a consumer. 

Thank you for your understanding and cooperation. 

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

I received a few letters in the mail about applying for a few credit cards which I never applied for. Luckily I was rejected for most. 
Then I ran a credit report and noticed a phone number, address, and credit line with " FEB/GFSCS-RETAIL ''. I immediately issued a fraud alert and reported these to the credit reporting company and they removed all except the credit line. I then called the credit line company ( FEB/GFSCS-RETAIL ) and they said they were already in the process of closing it. It was closed in early XXXX with an outstanding balance of {$3500.00}. I then called the credit report company and they issued a fraud dispute on the account and told me to file a report with the ftc. I couldn't find the right section to report so I am reporting here. The account was opened XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA XXXX. I AM ALSO A VICTIM OF XXXX XXXX AND XXXX XXXX  PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB
Product: Checking or savings account

I attempted to access my Pay Pal account to verify the last statement and to order a transfer to another person with funds from my XXXX account that is linked to PayPal. The XXXX account is now about XXXX XXXX XXXX still with the original account number. 

I signed in with user name and password and was presented with a page asking for my mobile number. There were no options available on this page and backing out or retrying always returned to this page.I AM IN AN AREA WITH NO CELL SERVICE. I have no mobile phone. 

I called Pay Pal several times, was rerouted to different agents, requested assistance from a supervisor then askrequested that I change my password. I did and it made no difference. The final result was offered was that I go and buy a mobile phone. Again I requested a manager and was told I would receive a call on XXXX XXXX. 

This is where it stands. No call was returned from Pay Pal.
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl, XXXX XX/XX/XXXX Social : XXXX XX/XX/XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! 
Im not happy with the way your company is handling my consumer report. I was a part of a Equifax breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX XXXX fraudulent account XXXX XXXX XXXXXXXX. fraudulent account XXXX XXXX XXXXXXXX fraudulent account Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney XXXX XXXX in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX, CFPB XXXX XXXX
Product: Student loan

I previously submitted this as complaint XXXX, but it was not tied to my CFPB account or log in. I also did not receive an email confirmation. 

One of my federal loan servicers is demanding I send them a paystub within 90 days. I already sent them verified IRS data about my income. This is for the Income Driven Repayment Plan. This is not allowed under 34 CFR 682.215. I tried to call them and they were not helpful and did not understand my complaint. They said it is simply their policy but was not able to identify where this policy comes from.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I am going to financial difficulties. I have lost my lender, Wells Fargo Bank, to modify my loan under the Hamp program. I have submitted my documentation several times yet have not gotten any results. My loan originated with world savings bank which was later acquired by Wachovia and transfers to Wells Fargo Bank. This loan is adjustable-rate mortgage PICK-A-PAYMENT type loan. my payment changes all the time and I 'm having a really difficult time keeping up with such a high mortgage. I find myself often falling behind and most certainly falling behind on property taxes. I know I am eligible for the government 's Hamp program. However I am not getting any help. Please help me with this.
Product: Debt collection

Over the past several months I have continued to receive unwanted calls from a company called " CBE Group. '' I have blocked several of their numbers ( which all originate in XXXX, New York ). However, they keep calling me with different lines every time. 

I have received numerous calls before XXXX in violation of several laws and regulations. They are harassing me with their calls. Last time I told me to stop calling me and the representative assured me they would put me on a " no-cal list. '' Despite these assurances, I have continued to receive illegal and unwanted calls from this company. See attached proof. 

I also suspect the company uses false names for their representatives. Please check if a " XXXX XXXX '' is actually an employee there or if its another deceptive tactic this company is using.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries from 2017 are still showing on my credit report.
Product: Vehicle loan or lease

We had a lease XXXX XXXX with BMW Financial Services, which we were making all our payments on time. Then the car was part of a XXXX  which XXXX XXXX considered a " XXXX  XXXX  '' and they were paying BMW Financial for the vehicle. This was around XXXX XXXX XX/XX/XXXX time frame. I never heard back from BMW Financial from that day on. So in XX/XX/XXXX, we returned my wife 's XXXX XXXX lease to the dealership, and on XX/XX/XXXX we received our final billing of the lease which I called in the same day to pay off, after paying off my wife 's lease with XXXX, the representative asked if I was interested in paying off my other lease, I told him I did not have a lease with XXXX, that my XXXX was owned by me. He said there was a balance due for the XXXX XXXX that was totaled in the accident. I total him that XXXX XXXX paid it off, and he replied that their was still a balance for overage of mileage and lease turn in fees. I asked why no one called me, or emailed me, or sent a letter, he told me that a letter was sent out in XXXX, and I told him I never got it. I asked if it was sent certified mail or by XXXX or XXXX, in which he stated was just regular mail. I said ok, well what is the balance and paid him that day in full. I decided to pull my credit report and noticed that BMW financial reported to my credit bureaus agencies that I missed over 12 months of payments, and my account was in collections. Now how can some company report that I missed payments without sending me a bill each month? Or any type of letter of the debt I owed? XXXX is saying they sent a letter, but have zero proof of this letter being sent, no tracking nor certification of delivery. In read some credit laws, I thought New York and Florida laws stated a creditor must send their clients a bill at least quarterly of the debt owed to them. I never even got one letter but they said they did just 1 letter, plus my account was sent to collections but I never got a call, email, or letter of a collection going on. 

I think BMW Financial Service has the responsibility to show their clients actual proof that they sent a bill, invoice, or letter of the debt to their customers, and not by show us a copy of the letter. There is zero proof it was mailed and zero proof that I received one. I never missed a payment in my life and now this is affecting my credit score. I tried going through credit bureaus and better business bureau and XXXX response is they sent a letter once and its a courtesy if they want to contact me about a past due balance. If that is true, then how can they report missed payments each month to the bureau.
Product: Debt collection

Recently I mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintains on XX/XX/XXXX. I received a response stating that the accounts were verified on XX/XX/XXXX I am requesting you provide me all information for investigation, as required by FCRA XXXX ( a ) XXXX XXXX Credit Amount {$350.00} XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX Per FCRA you are required to provide this information within 15 days or delete the negative items from my credit report. 

I was never updated with no information or documents its been past 15 days