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

On XX/XX/2022 United Auto Credit Co ran my credit without my permission. so Now i have inquiries from them that I did not ask for. Also, On XXXX and on XXXX XXXX XXXX XXXX XXXX ran my credit without my permission. Also, on XXXX XXXX XXXX XXXX was another company that ran my credit without my permission. Also, on XXXX XXXX XXXX XXXX ran my credit without my permission. According to the FCRA states that credit inquiries made without " permissible purpose '' can be removed. Additionally, the FCRA states you can sue for damages in the amount of XXXX for each instance a company pulled your credit report without your permission.
Product: Mortgage

XXXX XXXX XXXX  cancellation of debt of XXXX off the state of XXXX XXXX XXXX I'm the administrator of the state XXXX XXXX XXXX then turn around and force me into another loan modification after the cancellation of debt the loan modification did not include any of my payments or the cancellation that debt off the estate of XXXX XXXX they sold it to a new mortgage company called XXXX XXXX a blank loan modification paper with no papers or anything no administrative papers no surrogate papers no payments and no counseling Nation today of 1099 forms that they sent me and I asked the new mortgage company XXXX XXXX to straighten out the loan because it was arrested era on the loan modification before they sold it to selene Finance all the paperwork to straighten it out they never straightened it out they just carried the payments forward forward late charges then I became taxes in cuz my XXXX XXXX veteran they still counting the taxes and the payment and won't straighten the loan out but they trying to foreclose on my house and I need help.
Product: Debt collection

We have received a letter from American Profit Recovery ( a collection agency ) on XX/XX/XXXX, dated XX/XX/XXXX, to collect {$600.00} on behalf of XXXX XXXX. The payment is requested against an XXXX treatment for my daughter that was completed in XX/XX/XXXX. All the bills were cleared and closed in XX/XX/XXXX. However, without any written or verbal communications from the XXXX XXXX administration, we received a direct letter from the collection agency after over two years to pay an amount that we were not aware of or agreed to. In addition, XXXX XXXX is not interested in discussing the matter nor has agreed to provide any valid reason why the collection agency has contacted us.
Product: Credit reporting or other personal consumer reports

I have tried to reach out to Fortiva on numerous occasions to resolve the issue of them continually being malicious and unethical in an effort to keep reporting negative information on my credit reports in addition to not providing a 1099-C if it is truly a charge-off. 

They are reporting a charge off with a date of XX/XX/XXXX, however when I requested a 1099-C on or around XX/XX/XXXX via written correspondence, I did not receive a response. 

When I previously tried to contact them on or around XX/XX/XXXX I was advised by their representative XXXX that they no longer handled my account and the Power of Attorney was XXXX XXXX. I tried to reach out to XXXX XXXX, however there was no response. 

On or around XX/XX/XXXX there was no reporting of Fortiva on my XXXX credit report as I also reconfirmed that with a representative on or around XXXX XXXX that confirmed it was not listed. As of current not only do I have one entry, but two entries for the same account with different erroneous information listed, which conveniently showed up after me reaching out to them. I now have duplicate negative accounts. In addition, they sent me an email advising that the account had NOT been cancelled or forgiven for tax purposes. I find that to be contradictory and making false statements to benefit tax wise. I have provided documents to support my claims. 

I am also receiving collection calls. If the statute of limitations to collecting a debt in California is 4 years then why are they still trying to indirectly trying to still collect? 

Fortiva is also reporting a 4 month term, which anyone can see is inconsistent with the payment history. If it was a 4 month term then why would there be a history of payments over several years and not considered past due from XXXX. 

I am handicapped and the stress is overwhelming with all of the new updates that keep occuring. I tried to dispute with XXXX, however because they have a dedicated relationship to Fortiva they responded to my individual dispute with them within one day and did not investigate my specific dispute and overrode it with whatever Fortiva submitted. XXXX has the same relationship and now is in violation as well for not fully investigating my dispute and now reinserting the account as a duplicate. 

Fortiva has continually violated the FCRA by : -Ignoring document/investigation requests -Willfully and recklessy reporting false info to the credit bureaus after being notified of the reporting errs and failing to investigate or correct the error, including inaccurate remarks -Reporting a new ( duplicate ) account information after receiving notice of dispute on the old account.
Product: Vehicle loan or lease

Denial of credit after laws were given in reconsideration letter
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , inc ) due to inadequate customer services and unfair practices, which violate the consumer financial protection act, ( CFPA ). Specifically cash app failed to take timely measures to prevent an 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, and regulation XXXX, these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts 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 furmish a account without my written instructions.
Product: Mortgage

this is my XXXX time to file a complaint because Nationstar has not resolved this problem. I am filing on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al. XXXX. XXXX XXXX sold her home on XXXX XXXX 2015 and the fund were wired to the Lender. It is know XXXX the XXXX and XXXX XXXX keeps receiving late notices. There has been no release of lien recorded as well. Needless to say XXXX XXXX is very upset and Nationstar continues to perform at an unacceptable level. Her loan number is XXXX. Thank you in advance for your help in this matter.
Product: Debt collection

i vacated of the premises on XX/XX/, due to landlord and i came to an agreement since they wanted to sell their rental property, and i was there for already 7 years it was time, after an overwhelming sudden death of my mother who lived right around the corner and just the property wasnt properly maintained far as repairs by the landlord, so maybe the furnace was the reason i was billed high but the heat was rigged up by the landlord/mainteance man who would come each year to replace certain components in the unit, and instead of putting new venting and fixing the airducts he would just take a broom and sweep dust, and my kids had XXXX  XXXX, and there was mold in the unit, and anythime it gets cold during the winter months since we had upstairs and downstairs it takes a small amount of heat upstairs and it would be so cold, i had to purchase the ceramic efficient heaters that assist with energy saving so it used electricity and not gas, so my gas bill should have not been that high but they said i signed up for a therm that i didnt intentionally mean to because i was contacting them on their site and trying to get info about a lower fee and unbeknownst to me i did accidentally hit the higher themr and when i called them to rectify the situation they told me its too late and that i had to wait til the time perisod expired or something, i told them i was moving soon, and they told me well if youre moving you have to take our service regardless where you move because youre under a contract but i was like " huh ''? im like what if i move to another city/ state, and thye said still i had to use their service which was never heard of, i guess it depends which customer service agent gets on the phone. i tried my best to not turn the heater on to the house because my landlord/maintenaceman had the thermastat rigged up where i would of had to turn the heater on 80 degrees for it to completely come on and even after complaining he still woulldnt adjust it, he was fugal, mistreated me while i lived there despite a good tenant, paid on time each month, and he still would never fix it so i just used my ceramic heaters, but before i moved i made several of calls to the gas company and they knew i was moving and they still was billing me for another month... i paid pay as you go for electric so that varied based off usage per day so i used more electricity than gas, i barely turned my stove on due to the cost and the fact we were never home really so idk how it was that high, but they did say i was under a contract so they had to continue to bill me {$100.00} plus a month i think thats a scam especially if its a variable rate and fixed rate and youre not using it they just say whatever you dont use we will subtract if tor the following month in which they did not ever do.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent a request to verify the method of verification that was used to verify the alleged account in question. I also called on XX/XX/XXXX and was transferred to management, left on hold for over 30 mins still with no response. They are reporting an alleged bankruptcy that does not belong to me. I have provided all documents to prove my case.
Product: Credit card or prepaid card

I opened a carnival master card. I charged some items and then had a fraudulent charge which we were refunded for. After the fraudulent card was canceled, I had to return some previously charged items. Two were from XXXX for {$150.00} on XX/XX/XXXX. Another was on XX/XX/XXXX for {$150.00}. I started calling customer service on XX/XX/XXXX and got no were. I call a few more times and got conflicting stories. On XX/XX/XXXX i started to keep track of the person I was talking to and what was told to me. XX/XX/XXXX was XXXX told me transfer system was down to call back in 2 hours. called back talked to XXXX and was on the phone for30 min. She transferred me to XXXX in the fraud dept who told me the transfer would be made. XXXX got back on the phone then told me they had to call the investigation unit and after 45 min. got hung up on. XX/XX/XXXX talked to XXXX  did not help and transferred me to XXXX. XXXX took my complaint and told me a supervisor would call mw in 1 to 5 business days. still no call back. XX/XX/XXXX talked to XXXX, put me on hold twice, then said system was updating had to call back. XX/XX/XXXX talked to XXXX who said that a check was mailed to us. XX/XX/XXXX no check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and found several addresses and accounts that are not mine. Below I will list the accounts and addresses that are incorrect on my credit report. 


Experian : Account Name : XXXX XXXX Account # :XXXX  Date Open : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$1600.00} Account Name : XXXX XXXX XXXXXXXX Account XXXX :XXXX Date Open : Balance : {$1100.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$2100.00} Date open:XXXX Experian Address that I have never been associated with:XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : Account Name : XXXX XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$1600.00} Account Name : XXXX XXXX XXXXXXXX Account # :XXXX Date Open : Balance : {$1100.00} Account Name : XXXX  Account # : XXXX Date Open : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$2100.00} Date open:XXXX XXXX fraudulent addresse : XXXX XXXX   XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : Account Name : XXXX XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$1600.00} Account Name : XXXX XXXX XXXXXXXX Account # :XXXX  Date Open : Balance : {$1100.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX/XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$2100.00} Date open:XXXX XXXX  fraudulent addresses : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Account left that need to be removed or Block. Per FCRA section 605 you are required to remove any account listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. 

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

I have submitted disputes the Experian, XXXX and XXXX to report the below credit inquiries that I did not authorize or recognize nor do I have any open accounts with. Please see the below : 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act my rights has been violated. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Student loan

XXXX only allowed us to borrow from XXXX and if we did n't then we could n't attend unless we had the cash up front or a private loan from a bank, and since my cosigner was my grandfather that was n't an option, after he died I had a harder and harder time getting loans or help from them while I was an XXXX. I then found out I was being evicted and part of the eviction was my loans did n't go through and so there was no money for the on campus housing I was living in since I started. They said I had 48 hours to get out or they 'd change the locks and I 'd be charged. with interest I owe around XXXX dollars, yes XXXX dollars for something that I did n't even get to graduate from. They never wanted to work with me and would harass me and my parents from XXXX to XXXX everyday. They would call my job and say things, like " WE KNOW SHE 'S THERE PUT HER ON THE PHONE! '' My manager had to tell them to stop calling and harassing me since I never have them my number and they call up to five times a day. They would ask me why my parents could n't help me, who at the time lost their house to XXXX from foreclosure, why could n't I just get another full time job and that at this rate I 'll never pay it off. There were times my mom literally got of the phone with them in tears because of how they treated and berated her for having no money all the while the school and the company said nothing about being a private profit school and loan company. My credit is ruined. I ca n't even get any credit cards to try and build it back up, and I still live with my parents at XXXX because I ca n't get any help or financial help from anyone. Now I 'm expected to pay back XXXX dollars on a predatory loan company that I get no help or loan forgiveness. I even had a women tell me well you could just sell your stuff, do you really need a cell phone ( no land line at my house ) and ca n't you just give your animals to someone. then she proceeded to tell me to just XXXX and try to figure it out because since I owe so much they 'll just take me to court and I could have the possibility of going to jail. 
XXXX is one big scam. They got a pay out and we 're still stuck paying on loans they as a company got forgiven for. They are predatory and aggressive and have no intentions of helping or forgiving the the loans that they knew you could never pay back with the interest rates higher than XXXX XXXX. This company literally ruined my life as an adult because I can do nothing, but deal with it and still live with my parents until they die because I ca n't go or afford anywhere else even with a full time job. They actually made me hate my major and what I went to college for. I have n't picked up a camera or done anything with my major since being forced to drop out after the school said I owed XXXX to be current. I wrote them a check out of a settlement I had when I was younger from an accident. They took the check cashed it then said I still owed them thousands more and I have to leave.
Product: Debt collection

XXXX XXXX XXXX  IS A DEBT COLLECTOR TRYING TO COLECT ON A MEDICAL DEBT, THAT MY INSURANCE, MEDICARE AND XXXX SHOULD HAVE HANDLED, THEY ARE FALSELY CLAIMING I OWE THEM XXXX, FOR XXXX. I AM ON SSDISO MY INCOME IS FEDERALLY PROTECTED FROM THIS COMPANY. I WISH FOR THEM TO HAVE THIS REMOVED FROM MY CREDIT FILE, BUT FOR NOW HAVE IT NOTED THAT IT IS BEING DISPUTED.
Product: Credit reporting or other personal consumer reports

Dear Total Visa, I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 . 

It has unequivocally come to my attention that Total Visa has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for Total Visa to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that Total Visa immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that Total Visa will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit card or prepaid card

Called today to make claim for lost item and no one was there to take my call - referred me to internet after XXXX XXXX and switching me 3 times and then to wrong department. 

Purchased sunglasses on XX/XX/ and lost them on XX/XX/. Claim # XXXX was generated at AMEX but it wouldn't let me finish the claim. So now I am out {$140.00} which should have been covered under their loss protection plan. Yet no one to speak with and left out in the cold with this online claim program. 

I pay A LOT of $ $ $ $ for this AMEX, ask for very little and get even less in return. 

Please help.
Product: Debt collection

The original debtor, XXXX XXXX sent the account to collections with XXXX XXXX. After being sent to collections and being disputed XXXX XXXX completed an investigation and found that the account was in fact fraudulent/opened as a result of identity theft. I received a letter from the original debtor that I am not to be found responsible for any previous or further balance on this account and sent this letter to XXXX XXXX. XXXX XXXX  continues to report this collections account on my credit and has not responded to my letter about removing it.
Product: Credit reporting or other personal consumer reports

I applied for a XXXXXXXX XXXX XXXXXXXX card after pre-approving with them. They denied the request and sent two denial letters, one with an incorrect score and the other with incorrect reasons for an adverse score. Despite the pre-approval they denied my request and refused to provide a denial reason over the phone and then included incorrect information in their denial letters.