23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Consumer Financial Protection Bureau ( CFPB ) [ XX/XX/year> ] Subject : Complaint Against Bounce AI INC for Violations of The Fair Debt Collection Practices Act and Consumer Law Rights Violations Dear CFPB Complaint Review Team, I am submitting a formal complaint against a collection agency, Bounce AI INC, for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Bounce AI INC has engaged in unfair and illegal practices that infringe upon my rights as outlined under federal regulations. I am requesting the CFPBs assistance to ensure Bounce AI INC ceases these violations and provides all required disclosures. 

Specific Violations : 1. Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Lack of Dispute Opportunity : Bounce AI INC has failed to provide me with any opportunity to dispute the alleged debt. Under this regulation, a debt collector must clearly inform a consumer of their right to dispute the debt. I was not afforded this opportunity and was denied my legal right to dispute. 

2. Violation of 12 CFR 1006.34 ( b ) ( 5 ) Failure to Provide Validation Information : Bounce AI INC has failed to provide me with the legally required validation information about this debt. Instead, they have reported the debt to consumer reporting agencies without offering the necessary disclosures or verifying the accuracy of the information. This lack of validation information denies me the transparency to which I am entitled. 

3. Violation of 12 CFR 1006.34 ( d ) Failure to Provide Required Disclosures : The agency has not provided any of the mandated disclosures under 1006.34 ( d ), including essential information related to the debt and my rights as a consumer. The lack of required disclosures prevents me from understanding or verifying the alleged debt. 

4. Violation of 15 USC 1681s-2 ( 7 ) ( A ) Unauthorized Reporting and Permissible Purpose Violation : Bounce AiI INC is in clear violation of 15 USC 1681s-2 ( 7 ) ( A ) by reporting an alleged debt to consumer reporting agencies without providing the necessary disclosures or obtaining authorization. Additionally, the agency accessed my consumer report without a permissible purpose, a violation of FCRA. The use of false, misleading representations and deceptive practices further illustrates their unlawful tactics. 

Request for Resolution : I am requesting that Bounce AI INC be required to : Provide full validation information and all disclosures associated with the alleged debt as required by law. 
Cease reporting the debt to consumer reporting agencies until proper validation has been completed. 
Refrain from accessing my consumer report or reporting information without a permissible purpose or without fulfilling all legal requirements. 
Thank you for your assistance in holding Bounce AI INC accountable for their practices. I look forward to your investigation into these issues and an outcome that enforces my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was notified by bank, XXXX XXXX XXXX that I may be the victim of identity theft. Apparently, someone tried to open a credit card under my name at XXXX XXXX XXXX. I was told to check the XXXX site to see if my information had been stolen. It had. My credit score was XXXX. It went down to XXXX. Someone tried to open 14 different credit cards in my name which now show as hard inquiries on my report. This is devastating to me. I notified each credit beareau and started a disoute process to have the inquiries removed and I have heard nothing back. Only XXXX is going to offer me lifetime credit monitoring. Thanks but whats that going to do with the hard inquries that are now on my report. I wrote personally to transunion to resolve this on XX/XX/XXXX. It took me month of hard work to fix my credit and now its completley ruined.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity have been stolen I 'm  XXXX , My   XXXX   opened and applied for things in my name and ruined my credit, She recieves my mail cause i can   XXXX   XXXX   XXXX   XXXX   XXXX    .This is making me   XXXX   and I really need this fixed I recently saw more inquirys on my credit and I need all these removed my nurse is currently being investigated please help me fix this
Product: Student loan

I received a letter stating that my XXXX application was denied. I provided proof that I have over XXXX XXXX of public service. However, the letter stated that I did not make any payments during my public service employment from XXXX - XXXX. I applied for the XXXX and limited waiver, not the regular XXXX  program. I would like my application to be reevaluated under the correct program.
Product: Debt collection

National Credit Systems is reporting negatively to my credit report concerning a lease that is in dispute. The lease was disputed with National Credited systems on several occasions and one some occasions a representative of National Credit Systems hung up the call before a resolution or completion of the complaint national credit systems claims that lease provided says I should be charged for residence I was not living after completion of lease I told National Credit Systems that was not on my lease and information they provided was inaccurate only to be hung up on again and to have a collection show on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and this CFPB Complaint is a follow up to the recent CFPB Complaint I submitted requesting the removal of the disputed accounts and information from my Credit File which resulted due to my identity being stolen. I have read that under the Fair Credit Reporting Act section 605b, you are expected to remove any accounts and information that resulted due to identity theft. I sent you dispute letters with complete attachments of my personal information as well as the ID THEFT REPORT I received form the FTC last XX/XX/2023, and yet to receive a response. In accordance with the Federal law, I need you to have the disputed accounts removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$8500.00}. If you believe that the disputed accounts are accurate and belongs to me, I need you to send me any documents supporting your claims. If you can not provide me with such documents, I expect you to immediately remove the disputed accounts from my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately I have been a victim of identity theft and the accounts listed below are fraudulent, I have faxed and mailed documents to all 3 Credit bureaus seeking remedy per the FCRA but have yet to get any help so I am hoping the CFPB can help me in this case. Please remove these accounts immediately. 

Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX  ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX  ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account Number : XXXX
Product: Credit reporting or other personal consumer reports

According to the FCRA, when a consumer disputes information and provides evidence proving the inaccuracy, the furnisher has certain obligations. The furnisher must conduct a reasonable investigation into the disputed information [ 1 ]. This investigation involves reviewing all relevant information provided by the consumer with the dispute notice [ 1 ]. The furnisher is also required to complete its investigation and report the results to you before the expiration of the specified time period [ 1 ]. If the investigation finds that the reported information is inaccurate, the furnisher must promptly notify the consumer reporting agency and provide any necessary corrections [ 2 ].

In my case, I have taken the necessary steps to address the fraudulent bankruptcy on my credit file by opting out of XXXX, and placing a security freeze, disputing the bankruptcy, and obtaining written confirmation from the court that they do not provide information to credit agencies or third parties [ 6 ]. According to the FCRA, the furnisher should have conducted a reasonable investigation into this dispute and taken appropriate action based on the evidence provided [ 1 ] [ 2 ]. It appears that the furnisher may not have fulfilled their obligations in this regard.

I understand the importance of accurate credit information and its impact on my financial well-being. I was recommended filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to escalate this matter.
Product: Mortgage

I entered into a mortgage modification with WFHM XX/XX/XXXX through XX/XX/XXXX. I was advised by at least XXXX mortgage specialist ( staff changed constantly, so communication was difficult and there was poor transition between staff. I was advised however by each of the specialists that upon completion of the modification, all late payments would be removed from my credit report. XXXX is now disputing this fact. My credit is now so severely affected that I have no options for refinance with another lender.
Product: Credit card or prepaid card

In XX/XX/2022, I signed up for a XXXX American Express XXXX under a XXXX XXXXXXXX XXXX promotion if I spent {$3000.00} within XXXX XXXX. I was given a {$2000.00} credit limit so I charged on the card and then paid it off right away so I could reach the {$3000.00} in purchases. I declined a XXXX XXXX  offer at the furniture store, and charged furniture at XXXX XXXX and XXXX to reach the threshold. I got to the {$3000.00} in XX/XX/2022. I called Amex to make sure I did what I had to do to receive the XXXX miles, and I was assured I would get the miles in XXXX XXXX. I called back a XXXX times and was told the same thing. After about XXXX XXXX, I was told they would open an investigation. I heard nothing, and I called again in XX/XX/2022, and the representative said she could see my promotion on her computer screen as part of my records, and she reopened the investigation. I was recently told that the terms and conditions was the reason AMEX did not honor the promotion. I paid a {$250.00} XXXX fee and accrued interest on this card in consideration for the XXXX miles, and Amex breached their offer to me. I was never told I would not receive the miles, and I was affirmatively told I qualified at least XXXX different times as evidenced by Amexs own records.
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting has done nothing. Please help me delete these illegal accounts from my credit reports. XXXX XXXX # XXXX Balance {$3600.00} XXXX XXXX # XXXX Balance {$5500.00} XXXX  XXXX XXXX  # XXXX Balance {$30000.00} Opensky XXXX Balance {$140.00} XXXX XXXX # XXXX Balance {$850.00}. 15 U.S.C. 1681 section 602 A states I have a right to privacy.15 U.S.C. 1681 section 604 Section 2 also states a consumer reporting agency can not furnish a account without my instructions. I told XXXX, XXXX, and Equifax to reinvestigate the above listed accounts : However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. According to 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. 
Also any Address other than XXXX XXXX XXXX XXXX XXXX CA XXXX need to be removed. 

Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Amount of alleged debt : {$3500.00} Provider of Service XXXX XXXX XXXX XXXX XXXX XXXX  Dear XXXX XXXX XXXX,, Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX XXXX XXXX appearing on my credit reports. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.

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 to all credit bureaus until the debt has been validated by me.

Please send this information to my address listed above and accept this letter, sent via cfpb, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian on several different occasions and told them that the address that 's on my credit file does n't belong to me. Credit report refuses to remove it. I have never lived at that address. I was told by their representative I had a mixed credit file and the address will be moved a year later it 's still on there. 


XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting or other personal consumer reports

I am initiating a dispute and investigation because these accounts are incorrectly listed on my credit file. Under the Fair Credit Report Act, I am owed {$1000.00} for each error. FCRA 605B stipulates that any inaccurate accounts on a consumer 's report must be reported.
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 am seeking appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and I noticed two fraudulent/unauthorized hard inquiries that needs to be removed from my credit report. The inquiries to be removed are listed below and I will also like to add that I was a victim of the XXXX  XXXX data breach. 

1. XXXX XXXXXXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

please remove all account listed in the ftc report .FTC Report Number : XXXX
Product: Credit reporting or other personal consumer reports

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Product: Mortgage

Nationstar Mortgage LLC is not following HAMP Guidelines when reviewing distressed homeowners for loan modifications. Nationstar is not providing full reviews and is merely doing some secret calculation to determine a homeowners ' eligibility for a modification. Nationstar is not providing the appraisals or the data used to run the calculation for a modification in violation of State and Federal law as part of the denial process. When a homeowner requests the XXXX values used to input the HAMP calculation, Nationstar is refusing to supply the information as part of the appeal process.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit card accounts listed on my Equifax credit report was reported lost/stolen : XXXX XXXX XXXX XXXX XXXX XXXX Credit Card Account # : XXXX, and XXXX XXXX XXXX XXXX XXXX Credit Card Account # XXXX XXXX. There are fraudulent changes and transactions on the accounts that are not my charges or transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent a letter to the three credit bureausasking 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 previously mentioned in my previous COMPLAINT #, and I'm including it once more. kindly update these immediately. Thank you. 
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 XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

i have no idea who this company is that trying to collect a debt for insurance. i already have insurance. i don't owe XXXX XXXX insurance no money. since when do insurance companies collect on a debt. this company is fraudulent, and i don't owe then a dime.
Product: Credit reporting or other personal consumer reports

I received my credit report on XX/XX/year> and notice there were accounts that do not have permissible purpose to be on there. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1681b. In acordance 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. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my 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 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. I also asked for the original contract to be provided and it was not.

According to the Fair Credit Reporting Act ( FCRA ) Section 605B It is illegal to report information on my credit report without my permission.

I have not supplied proof under the doctrine of estopple by silenceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Debt collection

I had XXXX XXXX as my internet provider upon which I was enrolled in auto payment. I didnt needed their service anymore so I cancelled the service. I was instructed to return their equipments and I did as I was told. Before I know it there was a debt collection on XX/XX/year> by eastern collection system for {$110.00}. Im trying to get a house and this debt that I dont owe is affecting me gravely. I tried disputing it through the XXXX XXXX XXXX  but no one got back to me.
Product: Credit reporting or other personal consumer reports

I had XXXX loans with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and loan # XXXX. 
Both of them were paid off in XX/XX/year>, and XXXX sent a set of recording documents at corresponding TX countries. however these XXXX XXXX  still show as active loans in my credit reports. I called XXXX, I was told they have reported these payoff to credit agencies. 
I am requesting credit agencies to show these 2 loans status correctly as paid off status.
Product: Credit reporting or other personal consumer reports

So I Sent a Letter Off On XX/XX/year>. To Remove Personal Information That I Don't Want On My Credit Report. According To The Fair Credit Reporting Act 15 USC 1681. I Have The Right To Privacy. Also According to 15 USC 6802. No Financial Institution Is Not Supposed To Share my information to third party people. These are clear violations of my Federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello so XX/XX/2021 on I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND THE XXXX data breach and may have gotten into the wrong hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

hapter XXXX bankruptcy discharged Date Filed XX/XX/XXXX Date XXXX XXXX XX/XX/XXXX Responsibility Joint Reference Number XXXX Reinvestigation Information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 

On Record Until XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX is reporting wrong information on my accounts, when I pay on my accounts they take points off, believe all the reporting agency 's are fraudly damageing my report so I can't get any credit, have been turned down 4 times so far, my score should be at least XXXX, as of today they have managed to get it down to XXXX, this is crazy, a false 90 day late was reported and they took XXXX points off, and when it was connected they never put the points back, there needs to be a investigation into what are they doing to destroy everyones credit, so far have cost me about XXXX dollars due to the fraudulent reporting on report.