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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX I am writing to formally file a complaint against GM Financial and XXXX for what I believe to be a violation of my rights undeXXXX 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  in relation to the improper handling and sharing of my personal financial information with XXXX party affiliate AmeriCredit. 

XXXX XXXX XXXX Violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX financial institutions are required to establish privacy policies and practices to safeguard the confidentiality of their customers ' personal financial information. I have reason to believe that GM Financial has failed to adopt appropriate policies and procedures for safeguarding my nonpublic personal information. 

XXXX XXXX XXXX Violation of XXXX XXXX XXXX XXXX XXXXDisclosure of Nonpublic Personal Information** XXXX XXXX Code XXXX XXXX financial institutions to limit the sharing of nonpublic personal information without consumer consent, except in specific circumstances. GM Financial has violated this provision by ** [ describe the violation, e.g., sharing your financial data with XXXX  parties without your consent, not adhering to privacy notice requirements, etc. ] **. 

XXXX XXXX XXXX Violation of XXXXXXXX XXXX XXXX XXXX XXXXNotice of Policies and Practices** Under XXXX XXXX Code XXXX XXXX financial institutions are obligated to provide customers with clear notices of their privacy policies and practices, explaining how their nonpublic personal information will be shared. I have not received a sufficient or timely notice from GM Financial detailing their practices or obtaining my consent to share my financial information. This lack of notice further exacerbates the violation of my privacy rights. 

XXXX XXXX XXXX Violation of XXXX XXXXXXXX XXXX XXXXXXXX ( b ) **Permissible Purpose of Consumer Reports** According to XXXX XXXXXXXX XXXX  XXXX ( b ) **, a consumer reporting agency or any financial institution may only access or share a consumer 's financial information under permissible purposes as defined under the Fair Credit Reporting Act ( FCRA ). GM Financial has accessed or shared my financial information without a valid or permissible purpose, thereby violating this statute. 

I respectfully request your assistance in investigating XXXXXXXX XXXX actions and ensuring that they are held accountable for these violations of the Gramm-Leach-Bliley Act, Fair Credit Reporting Act, and applicable consumer privacy laws. 

I appreciate your attention to this matter and request that you inform me of the steps being taken to resolve this issue. I would also appreciate any guidance on further steps I may need to take to protect my rights. 

Thank you for your time and consideration.
Product: Debt collection

I have never opened/been associated with an account with the alleged bank in which the collection agency CACH LLC has place my name and social security into their database. After doing my own research the dates where I had opened any type of accounts doesn't even match up with the date the collection agency has reported, so it seems the alleged account was re-aged because at that time I was XXXX XXXX XXXX to XXXX, which further leads me to believe it was a fraudulent account. I have never received a debt validation letter, never received a phone call, I never even seen the original creditor throughout any of my credit reports ever. Ive disputed this account several times seeing all sorts of issues for inaccuracies. I've seen this collection agency not update the status since XXXX which is weird because I've disputed, conflicting DOLA across credit bureaus ; something is just strange about this account. I've noticed that less than a year remaining this illegal collection will be removed from my credit report, so im not so concerned about it affecting me long term because I haven't had the need to use my credit so much, however I've decided to educate myself and clean up my credit report from any errors and possible identify thefts. This company has NOT verified or validated this debt and every time I dispute it, the false debt remains on my credit report as if it was validated but yet the last status date is from 5 years ago. Could someone please help because now I am annoyed. Where and who is the original creditor? when was this account opened? what account type is it? did someone falsify my signature? was there even a signature needed? why are there so many inaccuracies cross-bureaus? how did they verify this date to assume it was mine?
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation credit card XXXX XXXX FRCA Violation loans XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRCA Address and names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to inform you that the account listed below is reporting erroneously & is inaccurate. The bank is reporting this account inaccurately. They informed me they had an internal issue & posted me 30 days past due on XX/XX/2019. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof. 


XXXX XXXX  XXXX XXXX
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 account ending in XXXX, XXXX XXXX  Account ending in XXXX, XXXXXXXX XXXX XXXX account ending in XXXX has violated my rights. 

I looked at my Equifax credit card report on XX/XX/year> and noticed some things are incomplete and not accurate.And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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.
Product: Credit card or prepaid card

1.I have never had an account with this company WF/DILLARDS, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are WF/DILLARDS the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Credit reporting or other personal consumer reports

I HAVE FILED SEVERAL IDENTITY THEFT CLAIMS AGAINST THIS COMPANY AND THEY HAVE REMOVED IT FROM MY XXXX CREDIT REPORT, HOWEVER THIS COMPANY NEEDS TO BE REMOVED FROM BOTH MY XXXX AND EQUIFAX CREDIT REPORTS WITHIN 30 DAYS ALONG WITH PAYMENT REIMBURSEMENT FOR PAYMENTS MADE TOWARDS THIS ACCOUNT, ALL OF MY BANK ACCOUNTS HAVE BEEN CLOSED DOWN FOR ALMOST TWO YEARS, I HAVE BEEN XXXX XXXX XXXX XXXX WITHOUT TRANSPORTATION, NO XXXX XXXX  NOR ANY OTHER SUPPORT AS I HAVE EXPLAINED IN THE PAST, IN ADDITION I HAVE NO XXXX, NO XXXX NOR ANYTHING AND I NEED THIS COMPANY REMOVED FROM BOTH MY EQUIFAX AND XXXX CREDIT REPORTS ALONG WITH REPAYMENT FOR PAYMENTS THAT WERE MADE TOWARDS THIS ACCOUNT THAT DOES NOT BELONG TO ME AT ALL!!! I HAVE PROVIDED ALL OF THE DOCUMENTATION THAT I HAVE TO RESOLVE THIS MATTER!!! I AM TRYING TO GET XXXXT, A XXXX XXXX XXXX XXXX  HAVING THIS ON MY PLATE HAS KEPT ME FROM DOING SO AND I AM ALSO REQUESTING {$150000.00} IN DAMAGES FOR XXXX AND XXXX XXXX I HAVE EXPLAINED TO THEM THAT ALL COMMUNICATION IS TO BE DONE VIA EMAIL AS I DO NOT HAVE A WORKING PHONE NOR XXXX AS I HAVE BEEN XXXX, XXXX XXXX XXXX XXXX XXXX  OR XXXX XXXX. I HAVE NO XXXX OR ANY RESOURCES ALONG WITH NOT XXXX XXXXXXXX XXXX XXXX XXXX AND I WILL BE XXXX XXXX UPON ANY FUTURE XXXX. THE PERSON WHO STOLE MY IDENTITY ADMITTED TO STEALING MY IDENTITY AND RUNNING UP MY CREDIT REPORTS AND THAT PERSON IS CURRENTLY INCARCERATED ON A XXXX XXXXXXXX CHARGE. I WILL KEEP ON COMPLAINING AND DISPUTING THIS MATTER UNTIL THIS IS REMOVED FROM BOTH CREDIT REPORTS AND ANY OTHER RECORDS. I AM DONE DONE PLAYING GAMES WITH THEM AND I WOULD NOT BE USING XXXX XXXX  OR COMMENTS IF THEY HAD DONE THEIR JOBS THE XXXX TIMES THAT THEY HAVE BEEN ASKED TO AND UNDERSTOOD THAT I HAVE A RIGHT AS A CONSUMER TO EXPRESS MYSELF ALONG WITH ANY OTHER OPINIONS AND IF THEY CAN NOT HANDLE THAT THEY NEED TO FIND ALTERNATE EMPLOYMENT ALONG WITH A XXXX XXXX I HAVE FILED COMPLAINTS WITH EVERYONE IN XXXX AND XXXX XXXX AGAINST THESE XXXX XXXX XXXX I AM BEYOND XXXX XXXX XXXX XXXX XXXX, ETC AND NO XXXX XXXX XXXX ARE BEING MADE I AM TRYING TO GET THIS BEHIND ME AND THE RESOLUTION I WANT!! I DO NOT GIVE A XXXX XXXX  ABOUT EVER GETTING ANY XXXX OR PRODUCTS FROM THESE XXXX XXXX EVER!!! I WANT MY MONEY AND CREDIT REPORT CORRECTED AND THEN BE DONE WITH THESE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer, XXXX XXXX checked my credit report recently to find that a bill related to my medical visit was reporting on my credit. I did not give XXXX XXXX XXXX XXXX XXXX written consent to share my medical information, nor did I sign a HIPAA. Which they failed to comply with HIPAA regulations detailed in 45 CFR Parts 160, 162, and 164. They illegally sold my information to PROGRESSIVE MANAGEMENT SYSTEMS. According to 15 usc 1692g PROGRESSIVE MANAGEMENT SYSTEMS were to reach out 5 days before in writing to notify me of this alleged " debt '', and they did not. As a consumer only I can validate this debt and I XXXX XXXX do not validate this debt.
Product: Credit reporting or other personal consumer reports

I disagree with the accounts listed below which still appears on my credit report ; even after your Investigation. Iw ould like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score : XXXX XXXX XXXX ( Account # XXXX  ) XXXX XXXX ( Account # XXXX  ) and XXXX XXXX XXXX XXXX  ( Account # XXXX  ). In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection! -D, please provide the names and business address of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX I reached out to XXXX XXXX  after I noticed a huge drop in my credit score. They had reported a 60 day overdue notice to the credit bureau. I got my new XXXX  lease in XX/XX/XXXX. Paid the first payment at the dealer, and awaited my first statement from XXXX XXXX for the next payment, so that I could use that information to set-up my online account and start to make payments. When I left the dealer, no lease account information was given, they said I had to wait for my first XXXX XXXX statement in the mail. A month went by into XXXX and I never received a statement. I called the leasing department of XXXX XXXX in XXXX VA multiple times asking them how I can pay my next bill. No one returned my calls. I finally received the statement in the mail for those last 3 payments for {$1300.00} and paid it immediately upon receipt in XXXX, as you can see from the attached screenshot. In XXXX I reached out to XXXX XXXX to have them investigate what happened and for their credit team to reach out to the credit bureaus to remove this late payment from my report. I called back multiple times and spoke with agents saying there was still no response on the case, no updates. Finally I spoke with someone on XX/XX/XXXX and that agent told me their credit department found their report to the credit agency to be valid, as my payment was late. Which clearly we already knew as I was late paying because I had no way to pay it, without an account number from them. On that date they submitted a new case, case # XXXX to have a one time courtesy removal of this and report to the credit agencies. They said it would take at most 45 days to remove from my credit report. I have called back multiple times since XXXX, and have gotten told there is still no response on my case, every agent says they send an " escalation '' email and I should have a response back in 1-2 business days. After that timeframe, I call back again and get the same response. Every agent also says their internal credit department does not have a phone number for internal employees to call, or for myself to call and ask for an update. This is unfairly stayed on my credit report since XXXX now and I've had enough of the back and forth with no resolution!
Product: Debt collection

It was during COVID. I received help with rental assistance for 2 months rent. I preceded to receive assistance for an additional 3 months rent. Rental manager got upset I was receiving help from government and that the assistance check from government would take a while to be received by apartment ( XXXXXXXX XXXX XXXX  ) in XXXX FL so they decided to throw all my belongings out of my apartment while I was at work and change the locks. I was not given no eviction notice or anything. The collection account is being handled by capstone credit and collection. My lease was up and last 3 months living there I was on month to month but as I was in process to receive assistance from government for rent during COVID she had my items removed and locks change, left me homeless. Crooked apartment complex.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$500.00}, {$6000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6000.00} -This is not my account.
Product: Payday loan, title loan, or personal loan

I recieved a call that I got approved for a loan and that the ftc would deposit money into my bank account and I Had to go at XXXX in the morning to XXXX XXXX and wire the money back or my account would be closed. I Did not wake up in time and my account was closed. The compamy wrote a check. Asked me for my bank login information and deposited the check as if it was me. They even endorsed the check with my name in the back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I wrote to Equifax, XXXX and XXXX  requesting an investigation into items that I believed were INNACCURATE To date, I have not received a reply from Them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. On XX/XX/2020 I sent another Letter to the Bureaus and to date i still have not received a reply or acknowledgment. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.
Product: Credit card or prepaid card

I opened a Secured Platinum Credit Card with Capital One Bank around XX/XX/2022. I sent in a {$750.00} Security Deposit to Open the account. The Deposit of {$750.00} was sent to Capital One in Check Form from my XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX I never received any credit card from Capital One Bank just a run around as to what the status of the account was. My personal banker at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX confirmed that Capital One Cashed my {$750.00} Check. I was then told in XX/XX/2022 that Capital One had closed my account due to they felt that I was a fraud. I want to go on record that I have deposit accounts also with Capital One and this credit account is still showing on my account ( Capital One Application ) as restricted with {$750.00} in it. I have reported this to problem to the Executive Office of XXXX XXXX and various other Managers at Capital One and still have not received a refund of my {$750.00}. Please help me get my {$750.00} that Capital One has had illegally for a year. The Platinum Credit Card account ends in XXXX
Product: Credit reporting or other personal consumer reports

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE. ALSO SOME OLD ACCOUNTS CAME BACK ON THE REPORT AFTER A YEAR THAT IS FRAUDULENT I HAVE NO PROOF OF WRITTEN CONSENT THAT THE CREDIT BELONGS TO ME : I WILL SUE COMPANIES FOR ILLEGAL ACT! 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting ActXX/XX/XXXX, the accounts listed on my attachments 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 any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

MOHELA/DEPT OF ED did not purchase the promissory note from XXXX : XXXX XXXX All allege contracts are completely fraudulent & the attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity of identity theft & power of attorney fraud. Please expedite the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, & losses due to me being a victim of identity theft. The FDCPA is intended to secure my right to privacy & my privacy has been breached. I am sure the removal of my information from your company records, and/or with any corporate aliates like XXXX, XXXX or XXXX to ensure my privacy rights won't be violated again due to my lack of consent. Please BLOCK & REMOVE all information resulting from Identity Theft pursuant to FCRA 605B ( 15 USC 1681 c-2 ) which states that these accounts must be removed within 4 Business Days. 

MOHELA has failed to provide with the actual contract. Mohela has only provided a photocopy of the contract, which includes a variation of my name, but ITS NOT my name. XXXX and XXXX are two different names even though they are identical. 

For an example, XXXX would be someone different from XXXX, as XXXX is Not XXXX. 

The driver license the contract displays is NOT my driver license number. The signature displayed is NOT my signature either. 

I have attached a copy of the FTC identity theft report. The account in detail is listed at the bottom of my FTC report.
Product: Credit card or prepaid card

Received a text message that activity on my Chase card in XXXX Texas. It was a scam text message and I foolishly gave information. Want to make sure my identity is not used.