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

I have identified several violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) that have significantly affected the accuracy of my credit report and my financial standing. Heres what happened : Unauthorized Use of My Information My personal information was accessed and reported without my consent, violating 15 U.S.C. 1681b ( a ) ( 2 ), which requires a permissible purpose for such actions. This includes numerous unauthorized hard inquiries on my credit report that I did not approve.

Inaccurate and Deceptive Reporting Several accounts were falsely reported with late payments. These accounts should have been marked " paid as agreed, never late '' under 15 U.S.C. 1681a ( 2 ) ( i ). These inaccuracies are misleading and damaging to my credit profile.

Failure to Validate Alleged Debts Debt collectors reported debts on my credit report without providing the necessary validation as required under 15 U.S.C. 1692g. They failed to supply documentation such as the original agreements or instruments bearing my signature, which legally substantiates the alleged debts.

Improper Disclosure of Personal Information Creditors and agencies failed to inform me of my right to opt out of having my personal information shared, violating 15 U.S.C. 603 ( d ) ( 2 ) ( A ).

Willful Noncompliance with Legal Standards Entities reported false or unverifiable information about me without conducting due diligence to ensure accuracy. This constitutes willful noncompliance under 15 U.S.C. 1681n, making them liable for civil penalties.

Harassment and Unfair Practices I experienced undue stress and harassment due to false reporting of debts and late payments. These actions violate the FDCPAs prohibition on deceptive and unfair collection practices. 

As a result of these violations, my creditworthiness has been unfairly misrepresented, and Ive suffered both emotional and financial harm. I have demanded that the inaccurate information be corrected, unauthorized inquiries removed, and unvalidated debts deleted in compliance with the FCRA and FDCPA. Should these issues remain unresolved, I am prepared to pursue legal action to enforce my rights.
Product: Debt collection

I am filing this complaint regarding a debt reported by Portfolio Recovery Associates that I do not recognize and believe is linked to a recent credit data breach. This breach compromised my personal information, including my name, Social Security number, and date of birth, violating my privacy rights under 15 U.S.C. 1681 ( the Fair Credit Reporting Act ).

After being contacted by Portfolio Recovery Associates, I requested validation of the alleged debt by asking for legitimate documentation, such as documents with my signature or photo identification. However, I have not received any credible proof that this debt belongs to me. The only information provided consisted of basic details, such as my name, date of birth, and the alleged date of serviceall of which were exposed during the data breach. 

I also disputed this account with XXXX and XXXX, but the debt remains on my credit report. Despite my disputes, no legitimate documentation has been provided to validate the debt. The debt continues to be sold to other collectors, further circulating my personal information without my consent and violating my right to privacy.
Product: Credit reporting or other personal consumer reports

I was recently checking my credit report and noticed fraudulent accounts on my report. 
Please remove this account from my report : XXXX XXXX ( Original Creditor : XXXX XXXX  ) # XXXX Because it is affecting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I requested that the credit bureaus do a theral review of my credit files to be sure that everything was reported accordingly, they did but when I review my report by myself i find many inconsistencies. and the debt listed is not mine and can't be proven as they are fraud, I am a victim of fraud. Being aware of the fair provisions of the fair debt collection practices act ( FDCPA ) I'm requesting full validation. proof that I am the party responsible for the debt and that there is some contractual obligation which is binding on me to pay it. In accordance with the fair credit reporting act XXXX  account listed have been violating my rights 15. usc1681section 602A sec2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I have been frauded I am a fraud victime
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 inconvenienca an 1 financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

I am submitting this complaint against GM Financial Funding Department to report this bank/lender to Consumer Financial Protection Bureau . The reason for this complaint to report GM Financial for depriving me of my rights and my documentation for this purchase. I have attempted to resolve this matter amicably and in good faith for the last two months. However, this company has been non responsive via telephone or email. I have requested all documentation in reference to this purchase, including approval letters, welcome letter, sales contract, and reason for closed funding several times. 

I am the Co-Buyer for the purchase of the XXXX XXXX XXXX. I purchased this vehicle in XX/XX/XXXXXXXX  at XXXX XXXX XXXX, I was approved with GM Financial as my lender for the funding of this vehicle. I signed the sales contract with buyer XXXX XXXX on XX/XX/XXXX. I was advised by the dealership that funding can take up to 30 days to process. On XX/XX/XXXX, I received a call and a voicemail from XXXX XXXX, from GM Financial Funding Department requesting stipulations from me to process the funding for this deal, since GM Financial did not receive any stipulations from the dealership. I provided the requested employer information over the phone to XXXX XXXX on XX/XX/XXXX. I also emailed XXXX XXXX on XX/XX/XXXXXXXX  the rest of the stipulations that he was requesting. After I submitted the requested stipulations I did not hear from XXXX XXXX. I emailed him several times to request all documents on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Unfortunately, XXXX XXXX XXXX was non-responsive and still has been non-responsive to all my requests via email and telephone. I have also reported this individual and my experience as to requesting all my documents to XXXX XXXX, which is the Vice President of GM Financial. I reported this matter to XXXX XXXX on XX/XX/XXXXXXXX  via telephone. However, there was no resolution to this matter and I still have not received all my documents that I am entitled to by law. I am requesting for this bank/lender to be investigated as to they are depriving me and my legal rights to the documents of this purchase.
Product: Checking or savings account

On XX/XX/XXXX I attempted to transfer money into my XXXX XXXX from my credit karma account. The request was declined. I called and was advised my account was frozen. They have been unable to tell me why. The account has XXXX that was credited to my business due to COVID closures. They have yet gotten back to me and I need to access my funds to continue my business.
Product: Checking or savings account

I received a XXXX transfer back in XXXX and an entire month later my account is in the negative. They stated that the person that sent the money file a claim stating they didnt know the person who they sent the money to. They said that their account is lock and that it has been hacked. They never filled a claim. The bank will not release the hold because of this.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit reporting Act, I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required by the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit card or prepaid card

Discover card got me stiffed for over {$1700.00} My wife bought an airline ticket round trip from a thief travel agency She bought it ahead of time The agent issue a ticket and after the traveling date he cancelled the return ticket and sold it to someone else. He did that with more than ten people as she learned from the airline. She had XXXX coming back she had to delay her return 2 days and bought new ticket at the peak of the season one way was even more than the round trip. We had to dispute the charge I uploaded 36 Documents showing what that thief was playing around with a confirmed return tickets as a proof all what they did in the investigation that they asked the thief for a copy of the transaction I closed the account after being with them for 21 years we will stop taking Discover card into our business. She will close her account Once she 'll get the OK from The lawyer. By the way the other people that were scammed got their money back. 

Not recommended XXXX XXXX and XXXX are better
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. There are 9 inquiries on my Equifax credit report that do not belong to me. I have submitted a dispute for each fraudulent inquiry as well as a FCT report and identity theft affidavit to Equifax per their request. I have spoken to 3 Equifax representatives on the phone and have submitted all requested documentation to them via fax. Equifax refuses to remove the fraudulent inquiries. Equifax is the only agency that refuses to remove these inquiries. These inquiries need to be removed immediately as Equifax is violating my rights as a consumer and reporting inaccurate information on my credit report which can negatively affect my ability to be approved for future credit.
Product: Mortgage

I recently filed a complaint about US Bank. They held the second mortgage to a home i owned, and I tried and tried to get them to modify my loan, but they never even said yes or no at the time. I ended up losing that home. 
US Bank sent me something in the mail. They sent me a copy of a note I signed, stating and agreeing that I wold NOT take the XXXX dollars I could have got from their line of credit. They call this their " loan modification ''. 
WHAT A JOKE! ... ... .... I have been a realtor for over 20 years, i know a little more than the average person. 
- In reponce, I called US bank up last Friday, XX/XX/XXXX. I had to talk to XXXX people in XXXX different departments, i kept getting tossed from one rep to another rep.. etc. 
Finally, one rep said.. " oh. im reading here that we kept asking you and asking you for documents, and we never got them ''. so your loan modification was denied ''. 
NOW I remember what happened. i was completely eligible for a loan mod. the investor was XXXX! i had a TRUE hardship ... I became XXXX to work! ... .. I emailed US bank most every day, the rep was okay. 
but- now they say I did not get a loan mod was because they didnt get the paperwork? - I faxed them ALL paperwork. Then they said they didnt get the fax and faxes. I had to XXXX with proof of service directly to their physical office.. I still have this paperwork, and proof that I XXXX it to them. 
i really miss my house. If they had only done a loan mod, like most banks were doing, maybe I could still be happy there. I am a XXXX year old woman.. i was planning to retire there. US BANK was unethical and illegally denied me a loan modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian/XXXX  was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : Experian : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX  XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$400.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6700.00} XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$2800.00} XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX MD XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXXO XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$2800.00}
Product: Credit card or prepaid card

Capital one closed my credit card account without any prior notice. All that I got was one email saying that your account is closed due to inactivity and I can not use it. I called the company and spent about 20 minutes on the phone and they could not find any prior communication but the customer service representative said they can not keep the account open. I could have done some transactions if I would have got any form of prior notice.
Product: Debt collection

Got a loan from navy federal for car got the check went to a dealer give them the check was told to come back to get the car no car no check or nobody when I returned.I call navy federal they told me to make payment until they figured it out I did until I couldnt anymore so I called back and they told me they tracked the car inTexas they knew I never had a car nor cash a check but says I was still responsible and that been like 6 years ago
Product: Consumer Loan

# XXXXRise CreditXXXX XXXX XXXX XXXX, TX XXXX My name is XXXX XXXX and I need help in dealing with Rise Credit. I am a single mother who is living 138 % below the poverty level. I have had my share of credit problems and have owed more than I make for quite some time. 
I was misled by Rise Credit to believe that they were unlike other predatory loan companies. By the time I understood what I had sighed, I had paid them thousands of dollars in interest. I have recently become temporarily unemployed and called them to ask for help during my time of financial hardship. They refused any solution and my account is headed to collections now. 
In the last sixty days I have paid over XXXX dollars in interest and the total paid is far over the amount I initially borrowed from Rise. The interest is around XXXX percent. This is robbery and all of the necessities I have for myself and my children are suffering because of it. If I were to steal from someone like Rise has stolen from me it would be considered robbery. 
How is it that they can do this? I am asking for help for not only my family, but for all of the families targeted by these predatory loans meant to target those living in poverty and struggling to live paycheck to paycheck. 
Thank you so much for any assistance.
Product: Debt collection

Dear Sir/Madam : I am disputing the above-referenced debt. My multiple attempts to receive information about the nature of the debt ( only mentioned to be equipment damage in a surprise bill ) from XXXX phone support were denied. 

My contract was a pay as you go monthly contract which I had since XX/XX/year> and always paid on time. The service itself was flawless but I moved from XXXX to XXXX XXXX ( note new address above ) where there was no XXXX wireless XXXX service. I canceled via XXXX phone support, paid my last bill in full and returned the equipment per their request. The XXXX XXXX was in perfect working condition. Their computer records will show that the service was active until the moment I pulled the plug just days before they received the device back. The unit was also in pristine visual condition as well and returned in the original manufacturers packaging, double boxed, using their supplied return shipping. I requested them to send me pictures of the alleged damage as well as a report of the nature of the problem but they refused to cooperate. For all I know it could have been damaged in shipping ( which was their responsibility ) or they could be fraudulently trying to extract more money from me. I spend a great deal of time on the phone with a customer service supervisor trying to get them to provide the info above to no avail. Their customer service notes will confirm that and that I requested a specific notation on the record that they acknowledged they were unable to provide me with any information and that I was greatly unsatisfied with their phone support. 

Please verify this debt as required by the Fair Debt Collection Practice Act ( FDCPA ) ( section 1629g ). 


Thank you. 

Sincerely, XXXX XXXX XXXX
Product: Bank account or service

I was charged {$72.00} on XX/XX/XXXX in NSF fee 's because XXXX items posted while another was in pending status, even though those XXXX items came into the bank first. They will charge fee 's any way possible and are not consistent about the way they post items and charge fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company has violated the rules of the FCRA, my rights have been set aside. And if this is not corrected then I'll be forced to seek damages. I have repeatedly disputed this account " XXXX XXXX " but instead of removing it you keep reporting it. Inwhich you can not report accounts that was previously reported as an result of identity theft, nor can you re-insert an account inwhich was previously removed. And this account ( XXXX XXXX ) has been both previously removed in XXXX due to identity theft. However, it was re-inserted in XXXX. And this is Illegal on the behalf of you and your companies. Please correct.
Product: Debt collection

For the past 10 years I have been disputing 3 items on my credit report with XXXX all three items are from a credit bureau by the name of Portfolio Recovery. I send in a new dispute every couple of months and they just reply they have verified. I have called Portfolio Recovery and the only thing they can provide me with is a list of charges someone made on credit cards from 2010. 
I have tried to sue Portfolio Recovery and when it got before the judge he just said he can not make someone show up in court from another state. 
I tried calling XXXX and the only thing they can do is file yet another dispute and someone claiming to be the manager first name XXXX refused to give last name said I could wait until it drops off my credit report. 
These are not my charges and I keep asking for them to verify not just from someone stating yep its yours I want a signature from when the account was opened or on any of the charges. XXXX states that's not up to them to verify other then ask Portfolio and Portfolio says they just have a list of charges and no signature for opening the account and no signature when charges were made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Claimant ( consumer ) is in receipt of XXXX ( financial institution ) letters dated XX/XX/XXXX in regards to an investigation about multiple inquires ( dated XX/XX/XXXX and XXXX XXXX ) that was a result of fraudulent inquiries that XXXX does not have permissible purpose pursuant to 15 U.S.Code 1681b. The Claimant therefore has actual damages sustained as a result. The Claimant now has evidence that the Respondent fails to comply with the Fair Credit Reporting Act, 15 U.S.Code 1681 et seq with respect to Claimant as a consumer wherefore the Claimants commercial ability is impeded due to the Respondent. Pursuant to 15 U.S.Code 1681XXXX the XXXX is liable for Civil liability for willful noncompliance and 15 U.S.Code 1681o for Civil liability for negligent noncompliance. The Claimant has attached an Affidavit of Fact, A Dispute, Exhibits and an Invoice for the Respondent to review and or fulfill the actual damages sustained by the Claimant, the consumer.
Product: Credit reporting or other personal consumer reports

Its has become obvious through disputes that a XXXX XXXX has not only lost previous payments but they are also reporting false information depending on what they decide is correct. When given the correct amount on the account of {$2600.00} they incorrectly updated the account. This was after reopening the account and trying to make changes after a previous CFPB dispute where they had been caught providing false information. With the assistance of the credit reporting agency they have continually manipulated the filed and reported it at FCRA standards. Attached you can see there recent attempt to change the file again. After already Reporting it at FCRA XXXX. You will also see the mail showing they dont have any payment history and are lost at where it is..
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The following Accounts XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, lentegrity llc, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX has violated my rights 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 an 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.