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

I currently have an apple credit card that is through Goldman Sachs, and it has come to my attention that they have been reporting my nonpublic personal information without my written and explicit assent and without giving me the option to opt out of having my information reported. Therefore they are in violation of my consumer rights under 15 USC 6801 & 6802, 15 USC 1681, 12 CFR 1016.7. The informations Goldman Sachs is reporting to other financial institutions are affecting my business in a negative way ; its causing me higher interest rates and credit denials, immense amount of stress which is also harming me on an emotional, physical and mental level even though Goldman Sachs is not allowed to take such adverse actions against me. According to GLBA 15 USC 6801, financial institutions shall establish standards " to protect against unauthorized access to or use of such record or information which could result in substantial harm or inconvenience to any customer. '' In addition, I was never given the opportunity to opt out of having any form of information from being reported and the FCRA and XXXX2 CFR 1016.7 explicitly instructs that a consumer should be given that opportunity to opt out of having their personal information from being disclosed to other financial institutions. The FTC definition of identity theft is when someone uses your personal information without your permission and by Goldman Sachs ' use of sharing my information and doing anything with my information with my consent they have committed Identity Theft. In opportunity to cure directly with Goldmans Sachs, the institution was notified of some the violations that they have committed against me on XX/XX/2024. Attached below is a copy of the notice. Unfortunately, after allowing Goldman Sachs/Apple few days to rectify the situation, no appropriate action has been taken. Goldmans Sachs reporting my credit card utilization, late payments, missed payments, or anything derogatory is private nonpublic information that I do not assent them for them to report and it harms me and violates my right as a consumer who has the right to conduct business daily. The unauthorized sharing of my personal information without my authorization compromises the integrity of this system. I want to also explicitly point out that Goldman Sachs has been disclosing the following information listed above to XXXX, XXXX, and XXXX without explicit approval and without giving me the option to opt out. Again, I am officially opting out of Goldman Sachs from reporting those information and want prohibit them from sharing those information without them receiving my written approval to do so. I request that the Consumer Financial Protection Bureau thoroughly investigates this matter and takes appropriate action against Goldman Sachs Bank.
Product: Debt collection

I spoke with XXXX XXXX ( XXXX ) at Coast Professionals, Inc. ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) on XX/XX/XXXX in the morning ( XXXX  ). My account number is # XXXX. I indicated that I was disputing all or part of the debt, as the letter they sent me said I needed to do so by XX/XX/XXXX. I indicated that we paid the estimated taxes due at the time and that I was on the phone with the IRS to resolve it. She indicated that I could not dispute the debt without providing supporting documentation. I read her the language on the form that she sent me that indicated I just needed to call/write to dispute. I said I would fax in the form at the bottom of the form saying I dispute the debt but I told her it did not say I needed to provide supporting documentation at that time. She again indicated that I had to provide supporting documentation to dispute. She then indicated that I needed to schedule a follow up phone call. I said that I was not required to do so. She again pushed that I schedule a follow up phone call. I then asked for a copy of our recorded phone call and she indicated that she could not provide a copy of the recorded phone call. She indicated that only the company and the IRS could have access to the phone calls. I asked her for the person giving her this information regarding the documentation and access to the recorded phone calls and she said it was XXXX XXXX ID XXXX. XXXX then gave me her managers name XXXX XXXX. She was going to give me the ID but the call was disconnected on their end. She did not call me back at either of the numbers I provided her. I later called the IRS. They found a payment we made that had not been applied to the taxes that was under my husbands tax payer ID and not mine ( the primary ). The issue with the IRS was resolved and the payment was backdated.
Product: Credit card

I opened a Capital One Venture credit card on XXXX XXXX.  The card has XXXX  yearly fee.  On XXXX  the card was closed by Capital One without any reasonable explanation.  They don't want to return the annual fee.  I called XXXX and XXXX lines, spoke to XXXX XXXX XXXX, and three or four other folks, reached out to them on XXXX  They are all saying that bank won't refund the annual fee.  
However on XXXX and another website I read that:

According to a representative from Capital One, your annual fee will be refunded if you call to cancel within 30 days of the date of the statement that includes it.
CapitalOne: CapitalOne acts very strangely in regards to annual fee refunds. You can get an annual fee refund only if you close the card within30 days of when the annua lfee was charged. Ifyou chooseto downgradethe cardthen CapitalOne willnot giveyou arefund forthe annualfee evenwithin the30 days.Why theywant youto closethe cardrather thandowngrade it,I dontknow. XXXX importantto notethat CapitalOne veryoften offersan annualfee waiverif youagree tokeep thecard openas-is, andyou havea perfectpayment history.So itsdefinitely worthasking forthe waiverfirst. 

Its alsoimportant tonote thatwith CapitalOne downgradesare notalways available.They canbe targetedfor eachaccount. Somecardholders arenot ableto downgradetheir CapitalOne creditcard.

Whom can I contact or what should my next steps be to get that fee refunded!
Product: Credit reporting or other personal consumer reports

This is to follow up regarding the ongoing issue of negative items on my credit report. Despite these attempts to have these inaccuracies corrected, the negative items remain on my report, significantly impacting my financial standing and credibility.The negative items in question are inaccurate and have been incorrectly listed on my credit report for an extended period. Despite providing comprehensive documentation and evidence to support their removal, they continue to adversely affect my credit history. This situation has caused me considerable stress, inconvenience, and potential financial harm. I expect a thorough investigation into why these negative items persist on my credit report despite numerous requests for their removal. Additionally, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. The following items should be remove as soon as possible : 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, credit repair services, or other personal consumer reports

My investigation has been going on for 30 days now and I still don't have investigation results. According to the fair credit act this is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$4300.00} ; XXXX XXXX XXXXXXXX Balance : {$830.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$5200.00} ; XXXX XXXX XXXXXXXX Balance : {$220.00} ; XXXX XXXX XX/XX/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

I checked my credit profile and came across inquiries that do not belong to me. On XX/XX/2024 I checked my report and noticed an inquiry from XXXX XXXX XXXX that i did not request.
Product: Debt collection

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS CAPITAL ONE XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form XXXX from CAPITAL ONE Inc WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT XXXX AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Credit reporting, credit repair services, 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 # XXXX, XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX  # XXXX The above accounts have violated my rights according to 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 an 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. The attached shows the inaccuracies. This needs to be removed immediately.
Product: Payday loan, title loan, personal loan, or advance loan

This company engages in unfair lending practices by implementing a daily interest rate on the loan I have with them for a roof and solar panels. Dividend has explained to me that is this is an interest first loan and there is a daily interest rate, therefore my monthly payment goes to the interest that is due first and the remainder goes towards my principal. The formula makes it impossible to pay off my loan and my principle goes up each month after making the {$340.00} payment. 

I began making payments in advance of the due date ( XXXX of each month ) in an attempt to reduce the daily interest rate. This was not effective and the company then informed me that the daily interest rate is applied based on the date of the previous payment and not the due date. 

The statements are very difficult to understand and each month I am unsure what portion of my payment will go towards principal vs interest. 

This company needs to be researched and sued for their practices. This is predatory lending which forces homeowners into greater debt for excessive profits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple multiple times contacted the listed below companies and filed disputes for this ongoing issue with the fraudulent charges reported to my credit upon which they fail to remove the items or provide any additional proof of anything legally required and validating it to my responsibility. I contacted XXXX, XXXX and XXXX. Here 's the issues that I have w these companies XXXX XXXX XXXX - Capital One XXXX Val {$620.00} XXXX XXXX XXXX CAPITAL ONE XXXX BAL {$430.00} XXXX XXXX XXXX BAL {$1400.00} XXXX XXXX XXXX  - XXXX XXXX BAL {$690.00} XXXX XXXX XXXX - CHARGED OFF AND REMOVED FROM CREDIT PER XXXX   AND XXXX {$0.00} BALANCE XXXX IS AGAIN PULLING ON MY CREDIT FROM THE ORIGINAL FRAUD ACCT ABOVE WITH XXXX XXXX XXXX {$690.00} XXXX XXXX IS FRAUDULENT ON MY REPORT AND DISPUTED BUT REFUSED TO DELETE AND UPDATE ALSO W BAL NOT GIVEN XXXX XXXX - 4X REPORTED IMMEDIATE FRAUD AND WON'T DELETE BALANCE {$200.00} SAME FRAUD ISSUES W  XXXX XXXX ( XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX AND BOTH CAPITAL ONE ACCTS OPENED ONLINE WITH NO IDENTITY VERIFICATION EITHER ON ANY OF THEIR PARTS OR SIGNATURE, PHYSICAL ID NOT OBTAINED OR ANYTHING. I WANT THIS MATTER ADDRESS ED AND IMMEDIATELY REMOVE THEM FROM ALL. MY CREDIT BEAURUS
Product: Credit reporting or other personal consumer reports

FTC Report Number : XXXX : TransUnion, XXXX, XXXX is reporting Fraudulent addresses that aren't my current address when I called all three agencies I was declined to remove the address after submitting my Identification by mail they still refuse to update my address. I never lived at these address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I have inquires on my credit report that were unauthorized on my credit report : Report number XXXXXXXX XXXX inquires : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX hard inquiries : XXXX XXXX XXXX, XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX TransUnion and XXXX are reporting Fraudulent Bankruptcies on my Credit Report as well REFERENCE NUMBER XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNDER Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 I'm a victim of identity theft!
Product: Credit reporting or other personal consumer reports

An account was opened in my name back in XXXX with Captial One. Someone has charged this card and has now ruined my financial reputation. I do not know how or when. However I contacted Captial One made them aware and requested fraud kit after they said they would mail it and ask if i permitted I agreed. I received it and sent it back. Captial One is still reporting the data XXXX has ceased reporting it and removed it but its still reporting on XXXX and XXXX. Please help I am about to be homeless as my lease ends in XXXX and as I am applying for a mortgage this is hindering me, and ruining my financial reputation. 

I am so disappointed because this was an issue I assumed was resolved over a year ago.
Product: Debt collection

Debt was paid in full on XX/XX/year> and should be removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion are failing to update my credit report to reflect medical collection accounts that are currently in dispute. The dispute letters were sent out over ( 30 ) days ago which is more than adequate time for review and updating of my credit report. I respectfully request that this be addressed immediately. I have contacted the ( 3 ) bureaus to fix this issue, however I have not been successful. Please update my credit report to reflect line items that are in dispute.
Product: Debt collection

I'm writing to let you know how very offended I am that you rejected my identity theft claim. It is imperative to make clear that your business is not in a position legally or with the capacity to ascertain whether or not I have been the victim of identity theft. I alone, the person who is directly impacted, can determine this. 

These accounts don't belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I am forced to take this seriously because you have refused to acknowledge my claim that you stole my identity. If you continue to reject my stance, I will not be afraid to speak with my lawyer and seek any legal measures to make this right. I hope that avoiding such a needless legal path is in both of our best interests. I wish to process my dispute following FCRA laws and decline your offer. If not, we shall pursue a legal solution in this case. 

I hope this issue is resolved quickly, and I have faith that your bureau will uphold its legal duties to guarantee truthful credit reporting.
Product: Mortgage

I had an FHA Mortgage with Ditech. I refinanced through a different lender, XXXX XXXX XXXX XXXX. A payoff letter was requested from Ditech dated XX/XX/XXXX and it listed a principal amount of {$180000.00}, interest of {$750.00} and Pro-Rated Mortgage Insurance Premiums of {$250.00} totaling {$180000.00}. It stated the amount was good through XX/XX/XXXX. As of XX/XX/XXXX my Escrow account had {$1200.00} in it. On XX/XX/XXXX XXXX paid an MIP/PMI of {$120.00} from my Escrow account. After receiving the total amount requested in the payoff letter on XX/XX/XXXX Ditech sent me a letter stating they would pay outthe remainig amount from my escrow account within 20 days. On XX/XX/XXXX they added {$310.00} into my Escrow account and then cut me an escrow refund of {$1200.00} on XX/XX/XXXX. When I had not received it leaving a balance of {$120.00}. When I  called Ditech about the remaining amount they said it would cut to me on XX/XX/XXXX which is the 30 day mark to close the escrow account out. I had not received the check on Monday, XX/XX/XXXX and went on line to look at my account and saw that Ditech took the remaining {$120.00} for another MIP/PMI payment. This totals 4 MIP/PMI payments that they have taken for the close of my mortgage. I called and spoke to customer service on XX/XX/XXXX and was told that MIP/PMI payments were always 2 months in arrears. I  know when took this mortgage out originally I had to pay two MIP/PMI payments up front at that closing in XX/XX/XXXX. Now they say I could send it in writing to the Customer Service Department but they wo n't refund that money because they never do. This is outrageous that they take money that is not due to them and get away with it.
Product: Debt collection

The company said I was represented by an attorney which was never the case. 

This agency has also violated 15 USC 1692d 15 USC 1692f 15 USC 1692j The debt collector is liable under section 1692k of this title for failure to comply with a provision of these subchapter and will be held liable for civil liabilities
Product: Debt collection

ACCOUNT RESOLUTION SERVICE # XXXXRecently while conducting a monitor of my credit report I discovered that ACCOUNT RESOLUTION SERVICE has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITYAND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to MEDICAL MID OHIO to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than that is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
Product: Money transfer, virtual currency, or money service

Hi, I believe closing my paypal account was a mistake. Im using my paypal account since XX/XX/2022 for online freelancing and online paying digital goods and services like electric load. My account XXXX has a stuck funds amount XXXX and I need to withdraw for emergency purposes. Im hoping that you will help me to get back my account. Thank you Pls see attached my valid ID.