23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to file a formal complaint against UPLIFT INC, a collection agency, for multiple violations of my consumer rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau 's ( CFPB ) regulations. 
UPLIFT INC, with contact information at XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX, Phone number, XXXX, has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) while reporting a collection account on my consumer report. This action directly violates my rights under the FDCPA and CFPB regulations. 

Furthermore, I have not been given the opportunity to dispute the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide a fair and transparent dispute process is a clear violation of my consumer rights. 
In addition, I believe that UPLIFT INC has engaged in false, misleading, and deceptive practices in their collection efforts, further violating my rights under the FDCPA. Their actions are in direct contravention of 15 USC 1681s-2 ( 7 ) ( A ) and 12 CFR 1006.34 ( d ), which prohibit the furnishing of information to consumer reporting agencies without the required disclosures. 
I kindly request that the CFPB investigate these violations and take appropriate action against UPLIFT INC to ensure that my consumer rights are protected. I also urge the CFPB to take all necessary measures to hold UPLIFT INC accountable for their unlawful conduct. 
Enclosed with this letter are copies of relevant documents supporting my complaint. I appreciate your prompt attention to this matter and look forward to a resolution that upholds the laws designed to protect consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX
Product: Debt collection

DEBT HAS BEEN DISCHARGED AND IS NO LONGER OWED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted TransUnion for fraud alert and freeze. I'm in 20 data breaches and over 100 password compromised. XXXX  is another big data breach along with medical records through XXXX XXXX and more. Ive requested a freeze months ago. I was working with a company called XXXX XXXX My accounts got hacked, I just started getting notifications about new items being added to my credit. Tried to contact TransUnion, they forward me to the special team and all three times while waiting for them to answer they was only breathing on the phone. I have not received anything from XXXX  or XXXX  with a security code. At this point I'm not sure if TransUnion is accurate. I'm forwarding this to the FTC, FCC, the United States attorney general and the media. The number that I called for TransUnion is ( XXXX ) XXXX. My phone was hacked. Seems like my calls are being rerouted and monitored.
Product: Credit reporting or other personal consumer reports

XXXX : # XXXXXXXX XXXX : # XXXX, has violated my rights.
Product: Credit reporting or other personal consumer reports

I have written this dispute letter to address multiple violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws that have negatively impacted my credit report. These issues include unauthorized and inaccurate entries, deceptive practices, and non-compliance with obligations to validate debts or obtain my consent before accessing or sharing my personal information. 

Specifically : FCRA Section 616 : Credit information about me was accepted and reported without verifying its accuracy, constituting willful non-compliance punishable by civil liability. 
FCRA Section 603 ( d ) ( 2 ) ( A ) : My rights to opt out of personal information sharing were not disclosed, which is deceptive and in violation of consumer protection rules. 
FCRA Section 623 ( a ) ( 3 ) : Deceptive forms were furnished through inaccurate inquiries and unvalidated accounts, violating Generally Accepted Accounting Principles ( GAAP ).

Debt Collection Practices Act Violations : Inaccurate debts and accounts were reported, causing unnecessary stress and creditor harassment. 
Location Information Regulations Violations : Debt collectors improperly disclosed my debt information to third-party credit reporting agencies.

Timely Payment and Finance Charge Determination Errors : " Late payments '' were reported without definition or validation, and finance charges were inaccurately determined.

FCRA Permissible Purposes Violations : Credit report entries and hard inquiries were made without obtaining my written consent.

I have clearly outlined my expectations, including the correction or deletion of inaccuracies, validation of debts per 15 U.S.C. 1692g, and removal of unauthorized hard inquiries under 15 U.S.C. 1681b ( a ) ( 2 ). If these violations are not addressed promptly, I reserve the right to pursue legal remedies to seek accountability and damages for non-compliance. 

Through this dispute, I am holding the relevant parties accountable to ensure adherence to their legal obligations, protect my consumer rights, and restore the integrity of my credit report.
Product: Mortgage

I have applied few times to get help for mortgage assistance with my XXXX delinquent HELOC Acct 's Wells Fargo delayed the process, and kept telling me I do n't qualify for a mortgage modification with out reviewing the attached package. I am frusterated with no response from my lender, delay after delay with no request in review after I have taken time to fill out all their requested paperwork. Please help me resolve this matter - I have a hardship and I am seeking for assistance, Thank you
Product: Student loan

I am seeking student loan forgiveness through the Public Service Loan Forgiveness ( PSLF ) federal loan program. I began working in public service in XX/XX/XXXX. I have made the payment every month since that date. I have had multiple issues with XXXX XXXX ( now XXXX ) and FedLoan regarding the calculation of my payments toward loan forgiveness. According to the law, I should be eligible for loan forgiveness after 120 on time payments which would be in XX/XX/XXXX. FedLoan has said I will not be eligible for forgiveness until XX/XX/XXXX. FedLoan contests the payments I have made stating that XXXX XXXX records indicate that I did not have a bill that month, or that the payment was XXXX XXXX off! I use autopay so this can not be the case! I've never manually entered the payment amount. Additionally, I have 2 loans and over 10 of the contested payments were included for one loan but not for the other. I have called XXXX XXXX and XXXX multiple times to try to obtain the records of my loan payments to no avail. I have contacted FedLoan multiple times. FedLoan responds that they will request a " manual recount '' of the payments I have made, but does not provide any documentation that this is being done. I have contested the payment amounts with FedLoan since XXXX. 
I am a first generation college student. I had to finance my education with student loans. I went into public service after graduation because of the PSLF program. I make my payments on time and want every payment to count. Any assistance you can provide in this matter would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion doesn't like to respond to my dispute ( XXXX ). The other bureaus deleted immediately upon investigation TransUnion just responds ( if at all ) with generic XXXX. response letters about not understanding what I want. It is sad that i've had to send SO MANY LETTERS I actually know what the letter will say before I open the envelope - and it won't be about the investigation they did but the XXXX investigation they failed to provide this consumer.
Product: Checking or savings account

Hi, I opened the saving account at Chase bank, with the promotion ( deposit XXXX in 20 business days, and keep it for 3 months to received XXXX . And if I meet both checking and saving bonus requirement, I will get XXXX $ extra ). When I transfer my money from XXXX XXXX XXXX to Chase, they closed my saving account and locked my online access. They ask me to make a 3 way call with Chase and XXXX  XXXX XXXX to verify I am the account owner with XXXX  XXXX XXXX. After it they unlocked my online access, but Chase told me the saving account is closed, so I will not be able to get the bonus. I called and message Chase, they told me they can't do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently gone through my XXXX XXXX and discovered that there is an instances of late payments recorded on an account where I have never been late before. It is crucial for XXXX XXXX XXXX to fulfill their duty of accurately reporting consumer information to the best of their capabilities. I would like to bring your attention to the account in question : XXXX with the account number XXXX I kindly request a thorough investigation into this matter and ask for evidence in the form of statements that demonstrate the lateness of these payments. If it is not possible to provide such proof, I insist that these payments be rectified and updated to reflect their true status as on-time payments. I have never been late, and it is essential that this information be accurately represented. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Debt was placed on credit report without knowing since 2009 Affected credit score Was never notified about the debt all these years Brought credit down enorously
Product: Credit card or prepaid card

Capital one issued my 1st card approximately 15 yrs ago. A 2nd card was issues a few years later and I was recently approved for a business card. I have been an exemplary customer always paying on time every month. All my cards were restricted in XX/XX/XXXX by fraud requesting that I confirm my identity. I have never has any issues with any fraud. I immediately sent all documentation requested and also sent a 2nd time due to my bank statements expired since they took too long to review my case. I have proven my identity and my address as shown on my bank statements copies of my drivers license etc.sent docs a 2nd time XXXX. I was advised several times everything was verified and the restriction would be removed. While waiting they closed 1 of my cards. I called today and was told as of XX/XX/XXXX all my accounts are closed due to not being able to verify my identity. I work for a Bank and I am who I say I am and verification has been sent as requested. I feel I am being treated unfairly and discriminated against for no reason. I also moved on XXXX and requested to update my address to receive the letter sent XX/XX/XXXX and my monthly statements due to online access taken away Request denied Thank you
Product: Money transfer, virtual currency, or money service

In Spring XXXX I opened a Robinhood Account, having heard about it for a few years, I felt they were credible. In XX/XX/XXXX, I tried to log in to my account with my correct password and the system kept saying it was incorrect. I changed my password easily on XXXX XXXX, XXXX, I was able to log in and conduct business with the new login. On, XXXX XXXX, XXXX, when I tried to log in I could not get in and had to reset the password, AGAIN. On XX/XX/XXXX I requested to change my password again to access my account. After changing my password, I was told I had to submit the SMS that was sent to me. I never put my cellphone on the account. Robinhood then sent a message stating they needed a copy of my I. D. to verify this was my account. I declined as I did not need an I.d . to open the account. ( Case ID XXXX ) I again tried to change my password on XXXX XXXX, XXXX-Case I.D . XXXX. They stated they will be in touch in 3 days, I have not had any assistance. I again emailed support as they are advising others on their social media pages and no one has answered. 

All the while an EFT is still being withdrawn from my banking account. I personally believe the company has been hijacked, as I have never had an issue with them before. The need to be more truthful and transparent. 
I just want to close the account and move on. There are hundreds of people in the same boat, If they have closed shop-just give us our money back.
Product: Checking or savings account

My personal identification information was obtained by a fraudulent actor who opened an account in my name at the TD Bank and they did not notify me until they already opened an account. I want to ensure that TD Bank has adequately protected my information from additional fraudulent activity and that the fraudulent account opened in my name has already been closed
Product: Mortgage

We filed paperwork with U.S. Bank for a Deed in Leiu/ Short Sale in XXXX 2015. The house was put on the Market in XXXX 2015 as my husband got a new job out of the area. 
We submitted all requested paperwork multiple times as apparently paperwork can become outdated month to month. We were assigned a relationship manager by the bank and were hopeful that this would be someone who would help guide us through the process. This is the first time we have ever had to go through this process as we have never had to sell a home in a market that dropped so quickly, leaving us owing more than the house was worth when we needed to sell our home. The bank continually asked for a valid purchase agreement and a HUD-1 Statement. These are things we did not have as we did not have any offers on our house. These are also things they would not need if they were listening to the fact that we were asking for a Deed in Leiu. We have since gotten an offer on the house in XXXX 2015 and have submitted the Purchase agreement and the HUD-1 Settlement statement. This paperwork has been sitting with the " Gatekeeping Department '' with no word on when it will be moved the next stage. We have been told the paperwork was with the processor for review, That it would be forwarded to Underwriting for their review and decision and now is with the " Gatekeeping Department '' it seems like they just move the paperwork from place to place to prolong the process and that neither we or our attorney can get a straight answer as to the status. We are not sure if this is the normal but, it seems as though US bank is doing what they can to stall the process. We are turning to you for help in resolving this issue.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 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 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 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
Product: Credit reporting or other personal consumer reports

these hard inquiries are fraudulent and does not belong to me and need to be removed .Also XXXX  as well.Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received an email saying that I was now under a binding arbitration agreement, and that in order to opt out of it I have to jump through a series of hoops per their definitions in a timely manner. 

If they can email me out of the blue changing the terms of a legal agreement, I ought to be able to respond via email. Saying " here 's a binding contract, in order to disagree you have to go buy stamps, take time out of your day, write a letter with 18 pieces of information, etc ... '' is insane. I did not agree to this contract, my failure to respond is not consent, and setting obstacles in place to not allow me to disagree must be illegal. 

Chase Bank is engaging in anti-consumer practices that should be curtailed.
Product: Credit card or prepaid card

Comenity Bank XXXX XXXX XXXX XXXX, TX XXXX on statement closing cycle XX/XX/XXXX billed me for finance and late fees because they claimed my payment arrived late. Since I have even had the account my payment history is impeccable and I mail payments within the few days after receipt of their statements. In recent months their statements arrive late. Perhaps due to the weather problems in Texas or their own internal defects or errors. After speaking with 4 representatives they ( smarmily XXXX agreed to credit me for the fees. I paid the full amount they claimed was due by XX/XX/XXXX and this payment was printed and mailed on XX/XX/XXXX ( I remember a Tuesday ) and dropped in a United States Post Office center the same day. 
The new issue : On XX/XX/XXXX I received a statement that says it was cut on XX/XX/XXXX with another late fee and interest. Clearly they are having problems because according to their timing and mailing it is taking them 8 days from the date they claim they cut the statement to receipt in New York, USPS states the mail from XXXX to NY time of a letter is about 4 to 5 days. The check I mailed on XX/XX/XXXX was cashed by Comenity on XX/XX/XXXX, Comenity states their due date was XX/XX/XXXX and they cut off their statements on XX/XX/XXXX as the closing date as printed on their statement. Its not possible for my payment to have been late again unless they are having internal process problems or weather is still affecting their operations ( one manager I spoke to told me " due to covid we are short handed, its possible that is causing a delay, we have had freezing weather that might have cuase the mail to be delayed ) None of these issues are the consumers problems and I want Comenity to issue me a full refund for late fees and interest then close my account due to the " Banks inability to manage their operations errors '' and correct my credit report. 

Then I suggest CFPB launch an investigation into what appears to be a regular practice or pattern of creating a payment receipt delay in their structure that causes people to pay interest and fees that would otherwise not be due. I would like CFPB to ask Comenity to send a mailing to all its customers who paid fees and interest in the past year advising them that if they have experienced errors they feel need to be investigated they should act upon their rights to do so. 

This bank - Comenity is a takeover and appears to be using the customer base they acquired in an unfair an unscrupulous way for gain. I want my report also elevated to the elected official board who oversees CFPB for their knowledge in case they have seen other abuses like this from Comenity.
Product: Debt collection

i have been continuously harassed by Atlantic Credit & Finance , Inc. in the form of multiple phone calls from the number XXXX at least XXXX times a day and lately they call and hang-up if I answer it. then the try and use a different number. I have asked them to leave me alone that I do n't have any money but they wont listen. I tolled them to wait until my finances improve when they called the first time but they wont listen.
Product: Credit card or prepaid card

I have US Bank Reliacard Debit Card XXXX provided by PA Unemployment Compensation Program. When I checked the balance on XX/XX/2020, I found fraudulent transactions for the transactions {$1500.00} and {$200.00} on XX/XX/2020 and {$1500.00} on XX/XX/2020. I have not done. Informed the US Bank about the issue. Also filed complaint with local law enforcement. US Bank arbitrarily determined those are undisputable transaction and closed the complaint. Further, despite providing my selfie and government issued ID, I am unable to activate or use my new debit card issued after the dispute was filed. My online access was also compromised by identity thieve who used similar email account. US Bank Reliacard Debit Card service closed the fraudulent transaction case and did not provide the information and reasons and documentations in order for the customer to follow up law enforcement and attorneys. Further US Bank Reliacard Service thwarted activation and access to online account. Request herewith CFPB assistance to secure card activation, account access and recovery of lost funds.
Product: Consumer Loan

I have taking a loan with Ally financial inc. who I believe are violating my XXXX rights. They recently repoed my vehicle again. Every month I get my XXXX check on the XXXX. I have repeatedly asked to move my due date to that date so I will not get late fees. They refuse because I 'm over due on my balance. My husband has FMLA with his employer so when he misses work to help me because i am a recovering XXXX XXXX patient he loses pay when he calls off. Ally harasses me by phone, they have already been sued for racial discrimination case with the interest rate. I do not recommend this company to anybody. I feel they are taking advantage of me because of my XXXX and continue to charge me late fees instead of moving my due date to my pay date so I can be on time. Please help
Product: Debt collection

This company is trying to collect {$1400.00} from me for a bill they claim I owe. I have written them letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Product: Debt collection

It was a Sunday morning before XXXX MCM debt collectors called me about my father 's account which I have no business with