23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States XXXX Law ( TILA XXXX XXXX CXXXXe XXXX ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section XXXX USC XXXX ( 2 ) Ai, XXXX USC XXXX, and XXXX ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section XXXX USC XXXX. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C XXXX ( g ) ( 1 ) ( A ) XXXX XXXX I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

IRS gave money to a person who had no business having it! XXXX dollars to a bank account that was in my or not! For a business I never had! And then I went into my credit report and found that I have a address on my credit report that I never lived! XXXX XXXX?? What??? All my addresses have been in XXXX Except for when I lived in XXXX and XXXX XXXX. In late XXXX and early XXXX. I'm sick to know that someone can do this and not be flagged!! And that money was sent to a bank account that I don't have any clue of what and where! Im sick because it's been affecting my mental health and my finances! Because social security thinks I'm not XXXX! So I'm being audited and doctors contacted medical records pulled! And they suspended my benefits! Until they were able to talk to me! To confirm that I am still XXXX! And the way the representative was talking to me! Made me feel like a criminal! The first thing she said was XXXX you called because your benefits were turned off! I told her that I had not called, that I walked in to the office! That I had been sick! And I couldn't deal with that because my health was so much more important! That's the second time in the last month that a Government employee was rude to me! 
I got a call from the Department of Social Services to renew my food stamps after going to being off for three months. I did everything they asked me to do and they turned me off. Oh XXXX and one of the employees noticed that when I came in there, he said that I had put it in the wrong portal. It was in there he saw it he said so I sent it so they should be able to just you know, turn my food stamps on without a problem, but the lady said no! And it wasn't even my fault! So I asked her if I have to reapply? And she said yeah no I said, so how was that process going to go? How long would it take and she said I would have to sit in there for three hours after being in there for two hours already!!!!! I said I can't do this, and she can look on the computer and tell that I am sickly! And it was no fault of mine!!! People just don't any compassion for the fellow man these days and it's crazy!!! everyone so cold!!!!
Product: Debt collection

Over 90 days ago, I wrote Credit Collection Services, and XXXX requesting proof of validation. So far, none of them have been able to provide such proof to me. I have sent three follow-up letters to each of them and there has been no response. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the letters and dates as evidence of my requests. Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.

According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the E Oscar System to input codes is not sufficient verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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.
Product: Credit card or prepaid card

I can't use the card because I lost the card. I called State Farm Bank trying to report it to stop any activity and get a new card. The person wanted my NAME, BIRTH, ADDRESS, CARD NUMBER, EXP.DATE AND SECIRITY CODE ON BACK. If I lost the card how can I give that information?
Product: Debt collection

Dear Consumer Financial Protection Bureau, On XX/XX/2023 I was contacted by an agency threatening to sue and garnish my wages. I am writing to file a formal complaint against the debt collection agency XXXX XXXX regarding their egregious violations of consumer protection laws, specifically the Fair Debt Collection Practices Act ( FDCPA ), as outlined in Title 15 of the U.S. Code, Sections 1692e, 1692d ( 1 ), and 1692d ( 2 ).

1. False Representation of Debt ( FDCPA Section 1692e ) : I have been subjected to misleading and false statements by an employee of XXXX XXXX named XXXX. XXXX falsely claimed that my wages would be garnished, and additional actions would be taken against me if I did not immediately pay a debt. Such deceptive tactics directly contravene FDCPA Section 1692e, which prohibits false representation of debt. 
XXXX. Harassment and Unfair Practices ( FDCPA Sections 1692d ( 1 ) and 1692d ( 2 ) ) : Despite the debt in question being over XXXX years old, and thus outside the statute of limitations in the state of Texas, XXXX and XXXX XXXX have engaged in relentless and intimidating communication, amounting to harassment. This behavior is in direct violation of FDCPA Sections 1692d ( 1 ) and 1692d ( 2 ), which prohibit harassment and unfair practices. 

I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into the actions of XXXX XXXX and take appropriate measures to ensure they comply with the FDCPA and other relevant consumer protection laws. 

Furthermore, I urge you to take action to protect consumers from the deceptive and intimidating practices that I and potentially others have experienced at the hands of this agency. These actions not only harm individuals but also undermine the integrity of fair debt collection practices. 

Thank you for your prompt attention to this matter. I look forward to a resolution that upholds consumer rights and holds XXXX XXXX accountable for their violations.
Product: Debt collection

XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the  securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX AV XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I've noticed some unfamiliar items on my credit report, suggesting that someone may have stolen my identity as I didn't authorize these accounts. I've previously raised this concern, and I'm now urgently requesting the removal of these accounts from my report. Their presence is causing me considerable stress. They do not accurately reflect my true credit history or financial management, and addressing this issue has been challenging. If we can not resolve this matter, I am prepared to take legal action to protect my rights and seek a resolution. These inaccuracies on my credit report pose a significant obstacle for me, hindering my ability to achieve important financial goals such as purchasing a home and providing for my family. I sincerely hope we can resolve this issue promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a report with XXXX XXXX and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURACIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX DEAR CREDIT BUREAU XXXX I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND DISCOVERED THE FOLLOWING INFORMATION REGARDING INQUIRIES TO BE IN ERROR. THE FAIR CREDIT REPORTING ACT STATES THAT ONLY THE PERMISSIBLE PURPOSE FOR PULLING A PERSON 'S CREDIT REPORT IS : 1 ) A FIRM OFFER OF CREDIT 2 ) INSURANCE 3 ) AN APPLICATION FOR EMPLOYMENT 4 ) A COURT ORDER The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act : Per 15 USC 1681b ( a ) ( 2 ) permissible purpose of consumer reports XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX. XX/XX/XXXX PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT IMMEDIATELY. 
THANK YOU SINCERELY, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon review of my consumer reports I noticed unauthorized inquiries as well as an account from Genesis Credit Management for XXXX $ that I have no knowledge of. After consulting with an employee at one of the bureaus, I filed an ftc report.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XXXX, 2024. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 

This is the third claim that I have submitted through cfpb and you fail every time, it is totally illegal to recondition the account, every month you continue to report it as a new account in charge off, I will proceed to sue you for negligence when doing investigations, due to this account my credit does not advance because each month it is responsible for reducing XXXX points in my credit score. I don't know how or you can't see them because the history is there, you can see in each report how they recondition it and you are supporting this incorrect use in my report. every claim have failed.
Product: Student loan

Im trying to get studaent loan forgiveness. In XXXX my grandma died in XXXX, That summer I was supposed to Take classes, because of Covid I couldnt. I was on schedule to graduate in XXXX of XXXX. In XX/XX/XXXX I tried to reenroll, all of my class were on line. I was diagnosed with XXXX XXXX  and XXXX  I dont do well on line because I cant stay focused, I need an instructor to keep my attention, all of this was due to Covid. Well I failed those classes. After that I had several XXXX XXXX and XXXX. I went XXXX XXXX in XXXX because my parents couldnt afford a XXXX. I have not been able to keep a job no more than 4 months because of XXXX XXXX, I would just start crying, not even sure why but they would send me home. I would then eventually get fired. Im getting harassing calls, Im just asking for student loan forgiveness because I cant afford to pay the loans. Thanks
Product: Debt collection

I have a letter from the hospital that says that all of my medical bills from XXXX are covered by financial assistance that I am not liable for the bills. So I have tried to call the company and try to explain this to them and try to get a fax number for them so that I can send a copy of the letter. The man Ive had to deal with was so rude and started yelling and being extremely ignorant to me and talking to me like I was XXXX. Refused to give me a fax number. When I asked to speak with his supervisor he said there was no one else to talk to and I said transfer me to someone else. He said that there was no one above him and he would not transfer me. He would only refer to himself as XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XXXX XXXX XXXX Ive noticed fraudulent accounts and inquiries 
ACCOUNT NAME :CAPITAL ONE BALANCE UPDATED XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX DATE OPENED DATE : - CLOSED XXXX XXXX XXXX XXXX STATUS: INCLUDED IN BANKRUPTCY COMPANY CONTACT Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Phone number XXXX XXXX
Product: Credit card or prepaid card

Finance charges are not DECREASING on a consistent basis. Payments of {$90.00} per month are made to this account on the company 's payment due date, XXXX of each month. Automatic Payments are controlled by the company. Payments are higher than the minimum due. NO NEW charges. Have contacted the company by chat on several occasions and they do not acknowledge a problem. 
Finance Charge Statement Date Balance Monthly Daily Days XX/XX/2018 {$2100.00} {$49.00} XX/XX/2018 {$2100.00} {$50.00} {$1.00} XXXX XX/XX/2018 {$2100.00} {$49.00} {$1.00} XXXX XX/XX/2018 {$2000.00} {$45.00} {$1.00} XXXX XX/XX/2018 {$2000.00} {$48.00} {$1.00} XXXX XX/XX/2018 {$1900.00} XXXX
Product: Debt collection

There are four medical accounts with Merchants credit Guide company in which I do not owe.They stated that these charges are from Old doctors and hospital visits from XXXX XXXX. The following amounts that are reporting on my credit report is in the following amounts XXXX and XXXX. When I contacted the original creditor which is XXXX they stated that there was no balance due and that the debt was not sold to this company at all. If this is the case this is a violation of the HIPPA Law.
Product: Credit reporting or other personal consumer reports

Subject : Collection/Charge off Account # : XXXX Account name : XXXX XXXX XXXX  To Whom It May Concern, Going over my credit report ( s ), I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance.Please supply the information below because I believe that your firm handling of my payment and account information has been negligent and in violation of the Fair and Accurate Credit Transactions Act of 2003 ( 15 U.S.C. chapter. 41, subchapter. I 1601 et seq ). The account, has been fully paid off. I have contacted [ XXXX XXXX and Equifax ] on multiple occasions to resolve this issue, but I have not received an adequate resolution. I am now requesting the CFPBs assistance in ensuring the accurate reporting or removal of this account from my credit report. 
I have also notice that on all three credit bureaus there is different information reported for the SAME ACCOUNT, such as inaccurate dates, late payments and collections.
Product: Credit reporting or other personal consumer reports

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX # XXXX XXXX XXXX # XXXX - BALANCE {$9900.00} XXXX  XXXX # XXXX XXXX  # XXXX - BALANCE {$4100.00} Unauthorized inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A bill shows up in collection and try to get me to pay it. That was in bankruptcy of XX/XX/2016. It will show on CBC/ mar joe ! Same company. Its listed under collection part of report and it has hurt my credit and from getting credit. This is against the law and I will take this to my lawyer
Product: Debt collection

GREEN TREE FACILITATED FICTITIOUS LOANS WITH TITLE THEFT TAMPERING AND THIS WAS DENIED WITH COMPANION COMPLAINTS FILED. DITECH FINANCIAL LLC/XXXX GREEN TREE SERVICES LLC WHOSE ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ARIZONA XXXX DID TRANSFER TITLE UNDER FICTITIOUS LOANS SCHEMES TO NEW RESIDENTIAL MORTGAGE LLC WHOSE ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX WITHOUT ANY PERMISSION, ANY AUTHORITY OR ANY KNOWLEDGE. I AM SOLE PROPERTY OWNER AND GREEN TREE AUTHORED, ENDORSED AND PREPARED FICTITIOUS PROPERTY LOANS WITH US BANKS FOR OVER THE AMOUNT OF {$300000.00} AND MOST LIKELY MORE FICTITIOUS LOANS.
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 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 or other personal consumer reports

The above account does not belong to me I am a victim of identity thief Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed XXXX
Product: Credit reporting or other personal consumer reports

Information was leaked in a data breach. Try reach out to company with no help from them was just given the run around placed on hold for 45 minutes to an hour and calls keep getting disconnected.