23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

In late XX/XX/XXXX, I received and deposited a check from Regional Finance via mobile deposit, under the assumption it was a legitimate financial instrument. There was no clear, unequivocal disclosure that this check represented a loan agreement, as is required under Truth in Lending Act ( 15 U.S.C. 1601 ) and Regulation Z, which mandates that creditors must fully disclose the terms of credit transactions in a clear and conspicuous manner. 

Despite my lack of explicit consent to any loan agreement, Regional Finance deceptively construed my deposit as agreement to their terms. The Uniform Commercial Code ( UCC 3-302 ) clearly stipulates that a negotiable instrument, such as a check, must be presented with all pertinent terms visible and understandable, which was not done in this case. This failure to clearly disclose the nature of the check constitutes a violation of UCC Article 3 concerning negotiable instruments, and further, a failure under UCC 3-305, which protects consumers against the enforcement of a check that was not freely and knowingly agreed to. 

From XX/XX/XXXX onwards, I was subjected to daily harassment from Regional Finance, with multiple calls and letters demanding payment for a loan I never agreed to. 15 U.S.C. 1692d of the Fair Debt Collection Practices Act ( FDCPA ) expressly prohibits harassment or abuse in the collection of debts, which includes making repeated calls with the intent to annoy, abuse, or harass. Regional Finances actions clearly violated this statute by subjecting me to unwarranted and aggressive debt collection tactics. 

When I attempted to resolve this issue with Regional Finance on XX/XX/XXXX, the assistant I spoke with was rude and dismissive, and the manager explicitly refused to speak with me. This interaction, which I recorded for documentation, is in violation of 12 CFR 1006.6 of the FDCPA, which requires that debt collectors act in a manner that is professional and respectful when contacting consumers.

Additionally, the misrepresentation of this check as a loan is actionable under 18 U.S.C. 1341, regarding mail fraud, and 18 U.S.C. 1343, regarding wire fraud. Presenting a financial instrument under false pretenses, with misleading language designed to induce consent to a loan, falls within the scope of these federal offenses. 

Finally, the failure to properly handle and disclose the reporting of this loan to credit bureaus is a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). By falsely reporting this loan as a charge-off and delinquent, Regional Finance further compounded the injury done to my credit history and standing. This constitutes willful and negligent noncompliance under 15 U.S.C. 1681n and 15 U.S.C. 1681o respectively, entitling me to statutory and punitive damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft SANTANDER Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number XXXX XXXX This is not mine.
Product: Credit reporting

I get an account report with Experian showing open and supposed to show closed as he was paid off completely. I request this account to be closed immediately and be reported to all credits bureaus in the 5 days turn around
Product: Debt collection

Medicredit has violated HIPAA they sent me a letter saying that i owe x amount I DID NOT SIGN A HIPAA FORM AUTHORIZING THEM TO ACCESS MY MEDICAL RECORDS.

At this time i want to inform that a HIPAA-covered entity or its business associate violated my health information privacy rights and/or committed another violation of the Privacy, Security or Breach Notification Rules i do not recall giving permission to release my medical information to a third party. 
The Medicredit has sent me a bill of a printed page showing unknown bills, thats not the original paperwork i dont know why they sent a third party to access to my medical records but i sent a Certified letter twice asking them for a validation letter, once they sent me the mail it was sent by printed documents
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX  XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX XXXX  XXXX XXXX LA XXXX ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1600.00} ; XXXX XXXX  XXXX Balance : {$520.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

( 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 seek appropriate redress for these violations.
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 ). 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 Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations made by Cash-app ( Block, Inc. ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX OF XXXX XXXX Balance Owed : {$100.00} XXXX OF XXXX XXXX Balance Owed : {$170.00}
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following disputed items : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

I have a loan with Omni and got kicked out of the XXXX and they sent it to collections but still adding interest Im in a payment plan but they say if I dont pay the full amount witch is now more then I got the loan for its gon na keep getting interest I need help it is now affecting my credit I cant get a place to live its affected a lot
Product: Credit reporting or other personal consumer reports

In my case, as detailed in the letter, I identified multiple violations of the Fair Credit Reporting Act ( FCRA ) and other relevant U.S. consumer protection laws. These violations involve willful noncompliance, failure to disclose opt-out rights, furnishing of inaccurate credit report entries, and unauthorized sharing of my personal information. Here 's a summary of what happened : Willful Noncompliance ( FCRA Section 616 ) : Credit information about me was accepted and reported without proper verification of its accuracy, which is a violation of the FCRA. 

Failure to Disclose Opt-Out Rights ( FCRA Section 603 ) : My rights to opt out of personal information sharing were not disclosed, a deceptive practice under the law. 

Furnishing of Deceptive Forms ( FCRA Section 623 ) : Inaccurate inquiries and accounts were furnished without proper validation, which I believe breaches Generally Accepted Accounting Principles ( GAAP ). 

Debt Collection Practices Act Violations : The inaccurate debts and accounts reported caused unnecessary distress and unwanted contact from debt collectors, constituting harassment and unfair practices. 

Improper Sharing of Debt Information : Debt collectors improperly disclosed my information to third parties, violating rules on acquiring location information. 

Inaccurate Late Payment Reporting : " Late payments '' were reported on my credit report without providing a clear definition of what constitutes lateness, resulting in misleading entries. 

Errors in Finance Charge Determination : The agency failed to accurately determine finance charges on my accounts, which is a fundamental responsibility. 

Violations of Permissible Purpose Requirements ( FC

RA Section 1681b ) : Information was included on my credit report without obtaining my written consent, breaching permissible purpose standards. As a result, I demanded specific corrective actions, including the removal of inaccurate accounts, deletion of unauthorized inquiries, and proper validation of debts under 15 U.S. Code 1692g. If these issues are not addressed promptly, I intend to pursue the legal remedies afforded to me under the FCRA and related laws.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit card

To Whom it may Concern, I 've been dealing with a fraud issue. I had fraudulent transactions on my card and it was taken care of promptly. About a month later there was more fraud from the same company. I was told it was because my card and the fraud had not been dealt with the correct way the XXXX time and instead of closing my card I was just issued another. 

The XXXX time there were XXXX fraudulent charges totally about XXXX dollars. On my statements I can see provisional credit for only XXXX charges. The merchant that billed the fraudulent transactions reimbursed all XXXX of them and Wells Fargo promptly debited my account for all XXXX charges, stating I had already received credit for them. However, I had only received credit for XXXX transactions, leaving me approximately {$250.00} short. 

I was told that I had received the missing credits on the old card before the balance transfer and I would see it on my statement. It did not appear on my statement so I called again and was told I would get another statement in the mail that reflected that I had received credit for all XXXX transactions. I have received nothing, there is no proof I ever received credit for those transactions ( Aside from credits that were later taken away as debits ). I just want tangible proof that I was reimbursed or credited for those charges. Today on the phone I was told I had received credit ( even though it was debited shortly after ) so my request for written statements has been denied and I need to accept verbal confirmation from them that I had been credited. All I am asking for is a document showing XXXX provisional credits, XXXX merchant credits, and XXXX bank debits. All they can produce are statements for XXXX provisional credits, XXXX merchant credits, and XXXX bank debits. There are XXXX missing credits. By law I am entitled to these records. The bank is telling me I am not, I need to just trust that they have done it. I have been asking for documents for 2.5 months, the bank can produce none.
Product: Credit reporting, credit repair services, or other personal consumer reports

Military Star is reporting 30 day late 's on my account. My payments were automatically deducted from my paycheck. When i looked into it I noticed i was only being deducted once every 3 months, upon this discovery i paid this account in full. I was unaware of these late notations until i pulled my credit. I am unsure why they were only deducting once every 3 months.
Product: Credit reporting or other personal consumer reports

In accordance 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. 
Account name : XXXX XXXX XXXX, Account name : XXXX Account name : XXXX Account name : XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C. 1681 Section XXXX A, states I have the right to privacy. 
15 U.S.C. 1681 Section XXXX A section XXXX, states a consumer reporting agency can not furnish an account without my writteninstructions. 
15 U.S.C. 1681c. ( a ) ( XXXX ) 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 and crimes which antedates the report by 7 years. 
15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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.
Product: Mortgage

Earlier this month, my significant other received an offer from Quicken loans that he was pre-qualified to refinance the loan on the condo we own jointly. I did not receive a similar offer. I am primary on the title, mortgage, and insurance for the condo. 

I contacted Quicken loans for an explanation why the primary owner of the condo ( me ) was not made the offer, but the non-primary was. Over a series of 5 phone calls between XX/XX/XXXX and XX/XX/XXXX, I was told the data was acquired from public records through a third party. When repeatedly asking for the criteria of who receives solicitations, I was denied any actual information, and presented with a ever changing list of possible reasons, none of which were accurate. First it may have ben title info, but I pointed out I am primary on title. Then I was told it may have been mortgage, but I am primary there as well. Then I was told it may be DMV ; I pointed out that my driver 's license is also pointing to this condo address. I was told it may be a credit report ; I told them my credit rating is routinely higher than my boyfriend 's. Then it may be income ; but we have commensurate incomes, with me having the higher income the majority of the last 20 years. 

My understanding from your website is that it is illegal to " discourage you from applying for credit. '' But if lending solicitations are not made to females with equal financial qualifications, isn't that de facto discouragement? 

I have been denied any specific information about why I was not solicited, other than my info was not in the data purchased from the third party. Quicken would provide no specifics of the criteria used for solicitation -- just hypotheticals, none of which account for the disparate treatment. I have also been denied the opportunity to talk with Quicken 's legal department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not file this complaint in error nor am I being represented by a XXXX party but I have been studying the FCRA every since I have been fighting to get an inaccurate, false Bankruptcy removed from my report. Now I keep finding errors on my report that are not being corrected. I sent a letter certified mail back on XX/XX/XXXX and received tracking via XXXX when I contact the credit reporting to follow up on my complaint I was told the letter was not received however I have proof of delivery and I'm trying to understand my the company is ignoring my request lying saying they didn't get mail and continue to Violate me under US Code 1681b ( 2 ) no permissible purpose to furnish report without my written consent as well as violate 15 U.S Code 1681e ( b ) - Compliance procedures maximum possible accuracy and clearly several inaccuracies Delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Over a year ago, I find out that I have been a victim of Identity theft. I find out that someone unknown to me used my personal information to get credit cards from CAPITAL ONE, XXXX XXXX and XXXX. Since I was not aware of these accounts. They all got charged off. At that time I have filed an FTC Report and send it to the Credit Bureaus and Original Creditors. All except for Capital One has been removed from my Credit Files. I contacted Capital One and I told them, " I am a victim of identity theft. I told them that I did not open or authorize this account ; I therefore request that this account be closed immediately. I also request that CAPITAL ONE absolve me of all charges on this account, and that they take all appropriate steps to remove this account from my credit file ". I also sent them a copy of my Identity Theft Report supporting my position, also sent a copy of the FTC Notice to Furnishers of Information, which details their responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, they are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies their responsibilities when they receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information they provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that they do not attempt to sell or transfer the fraudulent debts to another party for collection. What did capital one did ignored all my communication. I tried again dispute this account with capital one and credit bureaus and again I got the results that capital one has verified the account belongs to me,
Product: Mortgage

HAVE TRIED OVER AND OVER AGAIN TO SAVE MY HOME OCWEN HAS MADE SO MANY ERRORS THEY COME UP WITH A DEPRECIATION MODIFICATION THAT WAS SIMPLY FOR THEIR BENEFIT MY ORIGINAL NOTE WAS DRAWN UP WITH DIFFERENT ADDRESS ON THE NOTE WHICH THEY WILL NOT ACKNOWLEDGE ; ORIGINAL MORTGAGE BROKER OUT OF BUSINESS OCWEN WANTS ME TO DO A FOREBEARANCE AGREEMENT WITH A {$81000.00} DOWN PAYMENT ; I've OWNED THE HOME FOR YEARS NOW THE SAME REP WITH OCWEN NOW DENIES MY LOAN MOD REQUEST REPEATEDLY WITHOUT FULL REVIEW ; SAME STORY I'M AFRAID I'M GOING TO LOSE MY HOME PLEASE ASSIST
Product: Student loan

On XX/XX/2019 I received a phone call from " XXXX '' with XXXX XXXX XXXX XXXX at phone number ( XXXX ) XXXX claiming to have the ability to consolidate my federal student loan, forgive all interest on the loan ( and only pay on the principal amount ), and have payments as low as {$39.00} a month based on income. Questions were asked including : " is this X person I'm speaking with? '' " Can you confirm that your email address is X? '' and " Can you confirm that your birthdate is X? '' I did not confirm nor deny any of these questions and used that language. This " XXXX '' person was very pushy and told me he can only help me if I help him by answering his questions. XXXX was then told that I would not be answering questions for information he already ( supposedly ) had access to from the federal government. He then apologized for taking up my time and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the consumer, sent a letter on to the each of the credit reporting agencies XXXX XX/XX/2023, Experian- XX/XX/2023 and XXXX- XX/XX/2023 , requesting removal of inquiries and requesting all accounts be updated due to improper reporting based on the Privacy Act of 1974, CFR guidelines regarding disclosure of nonpublic personal information to nonaffiliated third parties ( credit reporting agencies ) and partial opt out. They have not responded to my correspondence nor have they updated my tradelines on my credit reports.
Product: Vehicle loan or lease

I got a title loan for XXXX on my XXXX XXXX well then we lost work and I didn't have the money but one day I got a check in the mail so I called to py it off I only had XXXX but they refused to Take said I had to have XXXX I need my title back