23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to file a formal complaint against Td bank, a financial institution subject to the Gramm-Leach-Bliley Act ( GLBA ), for their failure to comply with my GLBA opt-out request. 

On XXXX, I sent a written request to Td bank, exercising my legal right under the GLBA to opt out of the sharing of my nonpublic personal information with credit reporting agencies. This request was submitted in accordance with the GLBA regulations and guidelines. 

Despite the clear and lawful nature of my request, I have yet to receive any acknowledgment, confirmation, or response from Td bank. Their lack of communication has caused me significant frustration and concern regarding the privacy of my financial information. 

I have attached a copy of my initial opt-out request, which includes all the necessary information required by the GLBA, to this complaint for your reference.

I believe that Td bank 's non-compliance with the GLBA poses a serious violation of my consumer rights and privacy, and I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter. 

I request that the CFPB conducts a thorough investigation into the non-compliance of Td bank with GLBA regulations and takes appropriate action to ensure that they promptly acknowledge and process my opt-out request. Furthermore, I request that Td bank be held accountable for their failure to adhere to GLBA guidelines and that they are made aware of the potential legal consequences of their non-compliance. 

Please consider this complaint as a formal request for investigation. 

I appreciate your attention to this matter and your dedication to ensuring consumer protection and privacy. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue promptly and effectively. 

Thank you for your assistance in resolving this matter.
Product: Vehicle loan or lease

I had a traffic accident, the finance company took my vehicle It has been more than a month and a half and you have not allowed the insurer to assess the damage to the vehicle. even so, the financing company continues to charge me the monthly installments, I have never been late in my payments
Product: Debt collection

I received the collection letter without any notice that I owe the debt to dispute and the debt is a charge off from XX/XX/2009, 8 years old and 1 year past reporting the credit reports and ability to collect.
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. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute as to the incorrect items on my credit report with XXXX, Transunion, and XXXX, and it has been well over 30 days and I have not received any investigation results! 
According to the law 15 U.S. Code 1681i-Procedure in case of accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine wether the disputed information is inaccurate and record the current status of the disputedinformation, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period begining on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying the reporting agency is right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me. I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681 ( a )? I heard that if you can not provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE HAD SEVERAL ACCOUNTS OPEN NAD USED WITH MY PERSONAL INFO THAT I WAS NOT AWARE OF PEOPLE USING MY PERSONAL INFORMATION TO APPLY AND OPEN ACCOUNTS I am writing to request and initiate a formal complaint against XXXX   TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX   TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I have no connection to the listed creditors, and these inquiries are not mine.
Product: Checking or savings account

I have a monthly XXXX direct deposit made each month to insure my benefits are available by the XXXX of each month the payer will make the deposit accordingly to make sure Wells Fargo has it in the two business day required to have the fund the XXXX or the day before. Wells Fargo places ahold on it and some months it takes up to 6 business days for me to access my money. I filed a complaint in XXXX and didnt have access to my funds until XX/XX/XXXX causing several bills to bounce but it had been direct deposited on Friday XX/XX/XXXX so it was held 6 business days the month of XXXX my payer deposited it on XX/XX/XXXX to make sure it was available by Friday XX/XX/XXXX and it was available on XX/XX/XXXX the bank held it for 3 days this month I was told it may be available by XX/XX/XXXX but by XX/XX/XXXX it will be available thats another 6 day hold. This is not a new direct deposit it has been processing since XX/XX/XXXX the only difference is instead of a smaller weekly amount it is one monthly payment for XXXX meaning that money is required to be available by the determined day of the XXXX of each month the day of or day before but Wells Fargo holds it and occurs interest for up to six days and doesnt give me that earned interest that is against the law for XXXX payments I filed a complaint XX/XX/XXXX and 31 and was told 48 hours Wells Fargo would contact me no one contacted me I filed another today XX/XX/XXXX and was told it will be 48 hours before the executive office reaches out to me.
Product: Credit reporting or other personal consumer reports

I am submitting my identity theft report regarding fraudulent accounts that are still appearing on my credit report. I have already informed Experian about the fraudulent nature of these accounts.
Product: Checking or savings account

Since more than 2 months ago my debit card ending in XXXX as not being working, Now im traveling in XXXX and im having the same issues with the card. 
I called customer service, spoke with the representative and told me that they cant send a passcode because the phone number is under different name. I own this phone number since long time ago, and was registered with the bank on XX/XX/year>, I get the app verification codes without any problem. I requested to speak with a supervisor and they denied the transfer and the call was disconnected, I called second chance and also didnt solve this. They said go to the branch, im not USA resident, I opened this with international passport so the bank CANT force me to go to a branch if their system is presenting errors or dont like how my name is written in the Mobile phone company.
Product: Credit card or prepaid card

Hello, Capital One closed my Kohl 's charge due to inactivity on XX/XX/2020. They didn't send me any warning notice. I haven't used my card in quite some time however even if I wanted to these past several months, our Kohl 's stores in Delaware weren't even open due to COVID19. 

Closing my card due to inactivity without warning is detrimental to your customer 's credit health. Longevity of open accounts are very important. I called Kohl's/Cap One customer service today and I was advised that the only way to resolve the issue was to reapply for a new Kohl 's charge account. Once again - this is not fair as it would put a hard inquiry on my file.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which the Consumer Fair 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 Act ( ETFA ) and Regulation E. These actions have caused significant inconvenience and financial loss And I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is purposely reporting my student loan with TransUnion, XXXX, and XXXX in a negative status. XXXX is reporting the same negative account 4 times on all three credit bureaus which is an F.C.R.A ( furnishing and reporting old information, furnishing and reporting Inaccurate Information, and mixed files )! My only loan with XXXX was added to my Bankruptcy that was filed on XX/XX/2010 at XXXX XXXX. After 9 years XXXX still reporting negative on my credit reports. I am furnishing proof of my complaint against XXXX.
Product: Money transfer, virtual currency, or money service

Venmo app is inaccessible even with correct info. Can not access funds and theyre effectively withheld with no avenue to get it back
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report and to this day, over XXXX days later, I have not received a response as of yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report and it has been over XXXX days so they should be deleted promptly. 
I demand these accounts be deleted immediately or I will file for litigation due to the stress you've 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute request via XXXX XXXX for an collection account that the creditor ( XXXX ) agreed to delete from my creditor report due to me paying the entire balance so I could re-instate insurance with them. The debt of {$120.00} which was reported by XXXX ( XXXX XXXX XXXX ) was paid in agreeance to delete to the original creditor ( XXXX ) and it was paid on XX/XX/XXXX ( receipt attached ). The representative at XXXX told me that the system will update overnight and they will notify the collection agency to remove my account. On XX/XX/XXXX I received a update from TransUnion that my investigated was updated as " Accurate '' and they added a remark to the collection that reads '' Account information disputed by consumer, meets FCRA requirements ''. It still shows I owe this {$120.00} balance. It still is showing on my report when the original creditor, XXXX, agreed to delete. I attached the proof of my payment to XXXX the original creditor. In addition, I do not believe they did their full investigation to see my claim. I called XXXX on XX/XX/XXXX and was told that the account should be removed. They already sent notification to XXXX on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Box XXXX : ATTN Fraud Department : Remove fraudulent accounts from my credit report
Product: Consumer Loan

I got a loan with Ally through a XXXX dealer and after a couple months I wanted to send in a extra payment to go towards the PRINCIPAL ONLY so I called and ask how this was done. The rep on the phone told me to make the payment and to call in after it was posted to have it applied to the principal. Which I did and the person on the phone said it was done. I logged into my ally account and they still pull out the interest out of the XXXX sent in. 
I have called 3 separate times and asked to speak to a supervisor ( 2 of those times they said someone would call me back ). Now 3 days later ( still no phone call back ) I called again and finally spoke to a supervisor. Went round and round with someone I could barely understand, he kept saying the same thing. " That is the way we do it '' then asked for an e mail address so I could file a complaint with them. THEY COULD NOT EVEN PROVIDE THAT!!!! 
So now my next payment is not due for another 3+ months because they wo n't take a payment towards the principal! What a joke!!! 
This company is a complete SCAM!!!! 
I will either pay this loan of this week or refinance it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has continuously violated my consumer rights. I've disputed this account multiple times and they have failed to add this to my consumer report in the comments section.
Product: Debt collection

I mailed the Fortiva, via certified mail, the CFPB collection letter to request verification of a debt being reported on my credit report. A week later I was sent back a letter from the company requesting information from me. I don't know why I'm being asked to provide information, in response to my request for my consumer file as per 5 U.S.C. 1681. I will attach the letter sent from the company and my Certified Mail Receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX Balance : {$750.00} XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XX/XX/2023.
Product: Debt collection

Credit Acceptance, was not my debt it was someone else but is still showing on my credit report.
Product: Credit card

Hello, My inquiry is about an unresolved dispute XXXX. 
I had called and was told to send them all evidence i had collected of the XXXX $ charge for an XXXX i was physically unable to access in our tiny rental car. The 'road ' was lava rock and mud that had massive dips, so our tiny car had to be physically pushed out of because it was so deep. When it rains ( which is a lot ), those trenches fill up with water making it impossible to enter or leave. 
Of course this was not disclosed in the listing and for the safety of my XXXX XXXX XXXX  son, i did not want to try and tough out such conditions in what was essentially a jungle. The dispute was denied twice now purely because XXXX responded to their inquiries, as stated in the letters chase gave me, and did not review my evidence that it was physically impossible to actually use the service i paid for. I am beyond disappointed that a credit card company will not even review any evidence a customer puts forwards like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the numerous attempts I made to inform the bureaus of the fraudulent accounts, unauthorized inquiries, and incorrect personal information I have in my credit report, they still keep reporting them. This is an act of neglecting my request for the removal of the items below without supporting documents submitted or a form of response. Their behavior has been pulling my scores down which is now my reason for sending this complaint directly to CFPB. Here are the items that I am concerned of :
Product: Credit card

i went to double check on my credit and wasn't expecting to see any of those extra accounts on there obviously. i have called all the creditors both by phone and by email for over a month now... no response. 

would you please remove the entries that are fraudulent so i can get my daughter the car she needs to go to work and school... thank you for any help you can give me : )
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports