23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I, XXXX XXXX, submit this complaint regarding improper debt collection practices by Hayt , Hayt & Landau , P.L . ( referred to as the debt collector ), which attempted to collect an alleged debt on behalf of XXXX XXXX XXXX, XXXX. 

XXXX. Overview of the XXXX XXXX XXXX XXXX XXXX  I received a letter from the debt collector attempting to collect an alleged debt. Upon review, the communication violates several provisions of the Fair Debt Collection Practices Act ( FDCPA ) and Uniform Commercial Code ( UCC ) : 2. FDCPA Violations Inadequate Debt Validation ( 1692g ) : The letter failed to include a breakdown or proper validation of the alleged debt.

Threatening Negative Credit Reporting ( 1692e ( 8 ) ) : The letter suggested negative credit reporting in a coercive manner without lawful grounds.

Misleading Silence Assumption ( 1692g ( b ) ) : It stated that failure to respond would result in the assumption of the debt 's validity, which misrepresents my rights.

Improper Disclosure ( 1692b ( 2 ) ) : The debt collector disclosed information about the alleged debt to third parties, violating my privacy.

Failure to Identify ( 1692b ( 5 ) ) : The letter lacked clarity about the collectors identity.

Harassment ( 1692d ( 1 ) ) : Their tactics were harassing and caused distress.

3. UCC Violations Lack of Proof of Assignment ( 9-406 ) : The debt collector did not provide documentation proving the lawful assignment of the alleged debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Failure to Acknowledge Secured Interests ( XXXX ) : I have a UCC lien ( XXXX no. XXXX ) protecting my assets, which takes precedence over any claims, but this was ignored. 
4. Request for Action I request the CFPB to investigate these violations and compel the debt collector to : Provide full validation of the debt and documentation proving the lawful assignment.

Cease any further collection actions until the debt is properly validated.

Ensure compliance with federal and state laws in their practices.

5. Relief Sought I seek relief for the emotional distress and harm caused by the debt collectors violations. Furthermore, I request appropriate penalties be levied against the debt collector to deter future violations.

6. Attachments Copy of the letter received from Hayt , Hayt & Landau , P.L .

Affidavit of Truth outlining the violations. 
XXXX XXXX documentation ( file no. XXXX ).
Product: Money transfer, virtual currency, or money service

I am filing this complaint against Cash App XXXX 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, according to the Federal Reserve Board ( FRB ). 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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}. Please update.
Product: Credit card

Transunion applied 2 inquiries to my credit report that were not authorized by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I do not want them on my credit report and have already sent in a dispute letter to Transunion.
Product: Mortgage

It has been more than 9 months that I applied for a loan and now they tell me they need : " I wanted to follow up on my voicemail message, the final review has been completed on your loan and it is ready for clear to close however there is one additional item needed. The current credit report has expired due to it being pulled when the first application was completed before switching to a 10 year XXXX. We do need to renew the report in order for underwriting to clear the loan. Please advise if we have permission to do so and I can send to clear to close after updating. I can also request the fee be covered by Navy Federal as well. '' Thank you, XXXX XXXX Mortgage Processor XXXX # XXXX XXXX f : XXXX XXXX : XXXX | M-F, XXXX EST And yet they want us to re-submit a new credit report!! after they sat on the paperwork for more than 9 months!!! I will have to pay higher mortgage rate because of rising interest rate.
Product: Vehicle loan or lease

Ally Bank overcharged with high interest rates. Which made payments high and the car started having XXXX problems and traded in
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions, since XXXX XXXX 2017 I have contacted Experian regarding a debt listed on my credit report in error. XXXX XXXX is reporting derogatory information on my credit file and Experian is allowing them to, illegally. I do not, nor have a ever had an account with this company and I do not owe the creditor that they claim is the originator. I have asked Experian multiple times, in writing, to have the company show verifiable proof by way of a dated, signed contract and the company has NOT been able to produce such items because this debt is FALSE information. Experian claims that the debt is valid and has yet to show me HOW. Experian refuses to remove the information and I have NOT properly investigated the situation because they would KNOW that this debt is NOT VALID.
Product: Credit reporting or other personal consumer reports

I am writing to address some inconsistencies that I have identified in my personal credit report. These inaccuracies are having a significant impact on my financial standing, particularly in relation to my ability to own a home. While I understand that errors can occur, I have researched the dispute process and am aware of the required investigation time-frame of thirty days. The other bureaus have already removed this account from their records, following the submission of my FTC report citing the identification of an error. I am puzzled as to how this account was verified by your bureau while other bureaus have successfully removed them. Therefore, I request the immediate deletion of this account from my file as they are inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX
Product: Credit card

Opened a credit card in XXXX of XXXX and made a purchase of less than {$200.00}. Made my first payment on XX/XX/XXXX, in the amount of {$100.00}. My bill came towards the end of XXXX not showing the payment of XXXX with a late fee of approximately XXXX. I paid the payment on XXXX XXXX, including the late fee in the amount of XXXX. Once again, I get the bill not showing payment. I then reached out to Commenity and they have no records of payment. Meanwhile, the collection agency if after me. I reached out to my bank, and they sent me letters and the checks which they sent to Commenity. Months later I am still dealing with this, and continue to get late fees and again collection agency is after me. I spoke to the women from the collection agency, told her the background and she could see in the documentation that I was in fact giving information to clear this up. She removed me from her list and sent me back to Commenity. I recently sent the documentation in again. This has hurt my credit score tremendously. I need this matter resolved.
Product: Checking or savings account

I received a check I was waiting for and my family needed the funds for family emergencies. I never had an issue cashing a check with chase bank. So I cashed it. The put a XXXX  day hold at first. When the funds were supposed to be made available told to me by customer service it was extended another 7 days. The results is I had my vehicle repossessed, and loss more money because I could make it to work. The representative told me the are holding the money because the issuer of check may have had a bounced check in the past. However chase took the money from the issuers account so he was not able to put a stop payment so I could use another company service. I called them many time and I was hung up on and treated as my life didnt matter resulting in extreme damages to my family.
Product: Checking or savings account

XX/XX/21 I received a text message from a XXXX number stating there was potential fraud of {$3500.00} in my account via XXXX. I then received a call from Bank of Americas number ( XXXX ). I answered believing it was the bank since they spoke about possible fraud from my account via XXXX. The representative said his name was XXXX and that the XXXX transaction was for {$3500.00} to someone in XXXX. They asked if I knew someone there and I stated no. After, the person said that they noticed the XXXX was to XXXX and that they would reach out to them to get the funds back. I provided them with a code I received from XXXX thinking I was doing the right thing to protect my account. I was then told to put a request to send money out from my account to myself to get my money back from XXXX. My account seemed fine until I checked on XX/XX/21 that I was missing the {$3500.00}. 
As of XX/XX/21 I reached out to Bank of America and explained my situation but all I have been told is that it takes up to 90 days and that I might not be able to get my funds if the account the funds were sent to have been taken out. The money I had saved in my account were from my stimulus and tax return to use a cushion during this pandemic. I do not understand how Bank of America has told me that there is a possibility that I wont receive my money back and theres nothing they can do.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act the creditors have violated my rights under 15 USC 1681 section 6 o 2 states that I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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: Credit reporting or other personal consumer reports

Asked for verification of debt and 1099c for charge off from XXXX , XXXX Involved in a data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to cancel/remove the consumer statement alert appearing on my consumer credit report and my credit report as it is hindering my application for credit.
Product: Credit card

The APR Promo period ended in XX/XX/year> and failed to provide a formal notification. Interest charges have been accruing since this period. 

Bank of America is communicating that the online statements are a formal notification. The promotional period is buried in the statement documents. 

I need Bank of America to waive the interest charges because they failed to provide a formal notification of the promotional period ending. 

The response I receive was that they are rejecting the request to remove the interest charges on the balance because the online statements constitute a formal notice. 

Requesting that CFPB step in to assist on this matter. 

Thank you.
Product: Credit card

I had disputed couple transactions for {$100.00} each on XX/XX/23 I received a credit on my account on XX/XX/23 for {$100.00} I also received a letter stating my dispute was resolved in my favor on XX/XX/23 fir {$100.00} & that I would receive a permanent credit case closed. Then on XX/XX/23 I had an adjustment on my account for {$100.00} added? So I called to find out why? The system sent me information sting both cases were found in my favor for {$100.00} and I would receive a permanent credit. Case closed I have the documentation and letters from discover card? So why are they adding {$100.00} to my account balance on XX/XX/23?
Product: Debt collection

To Whom It May Concern : I noticed in my consumer report there is a collection account XXXX XXXX reporting to my credit report by the three major credit reporting agencies. The collection reporting is illegal according to section 18 USCB, FCRA, and Section 1681. 

The collection company that is reporting this fraudulent information is XXXX XXXX. I do not own this account, nor do I have any knowledge of this account. XXXX XXXX is violating my consumer privacy rights. 

Im requesting that XXXX XXXX cease and desist from reporting fraudulent information to all three major reporting credit agencies. 

In addition XXXX XXXX is not licensed or bonded to operate in the state of California. In addition Ive included the IRS cancelled debt income general rules. XXXX XXXX is in violation of my consumer privacy rights as stated in Section 1681 of the Fair Credit Reporting Act ( FRCA ), as well as illegally attempting to collect a debt that is fraudulent, and illegally practicing debt collection in the state of California that XXXX XXXX is not licensed or bonded to do so. 

I hereby assert that XXXX XXXX debt collection agency has violated the Fair Credit Reporting Act ( FCRA ) by including inaccurate and defamatory information on my credit report, specifically due to this collection. This action has resulted in significant financial harm and emotional distress. If this matter is not corrected immediately, I intend to seek litigation XXXX XXXX to pursue damages and ensure accountability for their actions. 

I am formally requesting that XXXX XXXX promptly delete the inaccurate and defamatory accounts from my credit report according to the IRS Cancelled Debt rules. These erroneous entries, particularly regarding collections are in violation of the Fair Credit Reporting Act ( FCRA ) and the USC 1681, and 18 USCB theses errors has caused considerable financial harm and emotional distress. I expect immediate action to rectify this situation and restore the accuracy of my credit report. Failure to comply may result in further legal action. 


Account : XXXX I look forward to your prompt response, Thanks, XXXX XXXX XXXX
Product: Debt collection

onXX/XX/XXXX at XXXX I drove my vehicle to XXXX to buy milk for my son and when I was driving back my car shut off and shortly afterwards a tow truck pulled up behind me started lifting the rear of my vehicle, I yelling for them to stop and once my cars was lifted high in the air, two men approached both sides of the car shinning flash lights in my eyes demanding me to exit the vehicle or I would be arrested. This continued for about 5 mins or longer. They continued to threaten me to be arrested and the police were on there way and I was going to jail. I police vehicle arrived and the two men walked away from my vehicle. I couldn't what was happening because the police had there spot light pointed at my vehicle. About 5min had passed and the police hadn't come talk to me, so rolled my windaws down and asked if he would come talk to me. The officer told me to keed me hands out of the window and he would instruct me how to exit the vehicle, The had me keep my hands over my head and walk backwards towards his voice until I was told to stop and drop to my knees. I did as they asked and when in view there were 4 offices with there weapons pointed at me. the officer said that I was not under arrest at this time but, I was being detained. I tried to explain my side of events but, they were not interested in my statement. I was told the I would in-cuffed and to go on home that my car is being repossessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been over 60 days, so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I was trying to get a car XXXX XXXX and did not give them my written consent to run my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting opened date and payment history in this account XXXX XXXX XXXX XXXX wrong, since this is inaccurate reporting please remove it from my credit report.
Product: Consumer Loan

Paypal fraudulently initiated a hard credit inquiry and opened a {$5000.00} Credit Account, in my name, without my written permission. I had no idea this was occurring until my credit score, which is just over XXXX, dropped due to the unauthorized hard credit inquiry.
Product: Credit reporting or other personal consumer reports

I ordered a my ChexSystems report and noticed a unauthorized hard inquiry from XXXX XXXX XXXX XXXX on XX/XX/2023. Prior to applying for a checking / savings account with XXXX XXXX XXXX XXXX, I called and spoke to a representative and I was informed that a soft inquiry would be ran. I explained that I wanted to verify before applying because I don't want any hard inquires ran. I was reassured that it would not be hard. I was shocked when I viewed my ChexSystems report to see that it was a hard inquiry. 

A complaint was submitted to NCUA and XXXX 's VP responded indicating that the inquiry was soft and it was indeed hard ( viewed by others )
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans were transferred from XXXX to XXXX on XX/XX/2022. On XX/XX/2022 I received notice that my loans with Fed XXXX XXXX were all listed as closed instead of transferred on my credit report. This caused my XXXX XXXX to drop XXXX points with XXXX and XXXX points with XXXX. I called the XXXX and was advised to send in proof of the credit hit by obtaining a credit report. The credit report does not show credit scores, so that is not an effective solution. XXXX allowed me to purchase my score but there way to provide score history to reflect the drop on their site. The loan should be listed as a transfer since XXXX did not renew their contracts with the U.S. Department of Education causing the loan to be transferred. I need my credit score restored as the servicers were given guidance on how to make the updates so it doesnt impact credit scores. The transfer of my loan should only change the servicer name on the credit reports and not indicated as a closed account.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.