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

In your letter sent from your company via CFPB your company talks about selling this debt to a third party company by federal law three privacy disclosures are required. The Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( That is one disclosure ; here are the other two from the same section of this law. ) ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Your company did not disclose this information to me that is required by federal law. Your company knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties. Your company knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. In your letter in this case your company is quoted saying your company sold the debt to XXXX XXXX XXXX that is misleading because the fair credit reporting act says otherwise, I just showed you that you can not share my nonpublic personal information with a third party company. 

15 U.S. Code 6809 - Definitions ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. 

( 5 ) Nonaffiliated third party The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution.
Product: Consumer Loan

The Debt Collection Agency contracted by Popular Auto in charge of the repossession of my vehicle is charging me a service charge fee consisting of {$300.00}. Local regulations promulgated by the Department of Consumer Affairs of XXXX XXXX, especifically prohibits this practice. For that matter said regulation establishes in Rule 17 ( a ) of Regulation 6451 of the Department of Consumers Affair of XXXX XXXX that the Debt Collection Agency is prohibited from " collecting or requiring the debtor to pay additional charges on the amount owed and the costs incurred by the collection agency in its normal collection management ... ''.
Product: Debt collection

I called to find out my balance owed to a former landlord. I explained that I paid the landlord and was given my check back. I was told that if I could not afford to pay anything today, I have no choice but to pay the full amount and I would be sued. The man started talking down to me and I hung up on him.
Product: Credit card

My deceased husband ( died XX/XX/XXXX ) had a credit card with Bank of America. Upon his death, Bank of America placed the account in my name. 
I have no knowledge of this account. 
I have asked Bank of America for a copy of the signature page that I would have signed in XX/XX/XXXX, when they claim the account was opened. Bank of America can not produce one because I did not sign one. 
This account should not have been placed into my name. 
My credit report now has this delinquent account on it and my credit score has been seriously lowered. 
I have spoken with various Bank of America representatives that do not have any of my information on their system. They did not have knowledge of my date of birth, social security number, etc. When I inquired why Bank of America felt that my deceased husband 's debt was no mine the answer was always " because our computer tells us that ''. They have admitted that there is no signature page from XX/XX/1991 ( when account was supposedly opened ) with my signature applying for this credit account with Bank of America. 
Bank of America has now 'charged off ' this account and has sold it to various collection agencies that call me repeatedly and send old monthly statements where my husband apparently used the account but no one can produce a signature page with my signature on it thereby creating an agreement/contract with Bank of America . 
Please help me remove this from my credit reports with XXXX and XXXX. 
XXXX let me attach the note that " I have no knowledge of this account. '' but will not report the information from my report. 
XXXX will not let me add the notation. 
XXXX does not show this account on my report. 
Please help me.
Product: Credit reporting or other personal consumer reports

Ive just recieved my credit reporting and noticed unauthorized items that shouldnt be reporting to my credit profile. In accordance to the FAIR CREDIT REPORTING ACT, XXXX  account # XXXX, XXXX, XXXX, XXXX, XXXX, as well as a fraudulent address XXXX XXXX XXXX XXXX XXXX, IL XXXX has violated my rights 15 USC 1681 602 A states I have the right to privacy 15 USC 1681 604 A section 2 states a consumer reporting agency can not furnish an account without my consent If you have any questions or concerns i can be reached at XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

i got a automated call today XXXX/XXXX/XXXX from number XXXX & followed up with a call from XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX i have no knowledge of this account and i have informed the agency that i have been a victim of identity theft, i did ot make any payday loans. 

i need copy of contract signed, iD presented, Store Location, video surveillance E.T.C. 

this is an ID theft, i have not collected any such Loans & i want this collection and threats of lawsuit to stop now.. 

this is the first call & first time i am hearing about this, claimed it was an account from XXXX, this is XXXX 5 years later. i am 100 % sure this is not my account and i need organization to close the account and delete records from my credit. 

Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus, XXXX, Experian , & XXXX  is reporting an old Bankruptcy on my credit file that is extremely old and over the FCRA Reporting limit, this is erroneous that they are still reporting and it needs to be removed off of my credit file.
Product: Credit reporting or other personal consumer reports

I sent a validation letter and I asked XXXX XXXX to validate the alleged debit that they claim I owe iam seeking help from the XXXX  in this matter
Product: Credit reporting or other personal consumer reports

Complaint Regarding Incorrect Collection Accounts on Credit Reports I am filing this complaint regarding eight collection accounts appearing on my credit reports with XXXX, Experian, and XXXX. These accounts total approximately {$8000.00} and have been disputed multiple times through XXXX XXXX, without resolution. 

I received IRS Form 1099-C for these accounts, indicating that the debts were cancelled by the original creditors and reported as income. Since this cancelled debt has been documented as income through the issuance of 1099-C forms, these accounts should no longer be reported as outstanding or delinquent by the credit reporting agencies. 

Furthermore, the accounts in question are reported by third-party debt collectors, not the original creditors who issued the 1099-Cs. Given the debt has been cancelled, these accounts should reflect a XXXX balance and be removed from delinquency status on my credit report. 

Despite submitting disputes, the credit reporting agencies continue to report these debts as valid. I can provide Copy B of the 1099-C forms if necessary to verify my claim and request that these accounts be updated to reflect a XXXX balance or be removed entirely. 

Thank you for your attention to this matter.
Product: Credit card

I purchase an airline ticket with XXXX XXXX on their US website for around XXXX USD on XXXX/XXXX/XXXX. The fare was quoted in USD and I paid in USD with my Bank of America ( BofA ) credit card. After I received my credit card statement I noticed BofA went on to charge me foreign transaction fee of XXXX USD, which is not insignificant. However on the credit card statement the fare amount was in also in USD. 
I contacted XXXX XXXX on XXXX/XXXX/XXXX complaining and they assured me that my ticket was paid in USD and not in XXXX and was routed through their New York office. 
I contacted BofA on XXXX/XXXX/XXXX to reverse the transaction fee and they told me to read my policy which states the foreign transaction fee. I told them what XXXX told me that the funds were routed through their New York office. I told Bofa that this could not have been a foreign transaction fee, because the transaction was not sent overseas and that the funds remained in the US. On top of that the fare was quoted in USD and I paid in USD. 
Bofa kept being uncooperative, telling me that XXXX XXXX have their office in XXXX hence the transaction fee. 
Even after XXXX representatives I was getting nowhere. 
I asked the customer service rep to provide me with documentation that XXXX did not charge me in USD but in XXXX, including the exchange rate. The Bofa rep was still not cooperative. 
It 's fraudulent and misleading to charge XXXX unaware customers illegal transaction fees. And especially if it a FOREX fee, Bofa needs to provide documentation and the exchange rate of such transaction.
Product: Debt collection

ERC reported a fraudulent account on my credit reports. On XX/XX/XXXX I sent them a certified XXXX Demand Letter, informing them of their inaccurate reporting and requesting validation of their claim. Under MA general laws a collector has XXXX  days to provide proof. I also informed them under MA XXXX XXXX XXXX XXXX : Unfair Practices ( XXXX ) : it is NOT legal for a debt collector to place their name on a MA resident credit report. 
ERC did not reply ( no validation ) However, they did remove their listing from my XXXX and XXXX. They continued to report account due with XXXX. 
XX/XX/XXXX I sent them a XXXX certified XXXX Demand notice informing them they are continuing to report and attempting to collect upon a fraudulent account. They failed to reply. 
In XXXX and XXXX I sent disputes to XXXX informing them of the inaccurate reporting. ERC " validated '' that their listing was accurate. 
In XXXX I sent then a XXXX notice and XXXX XXXX  the MA XXXX 's office. ERC provided a statement claiming I owe. No contract showing my signature, no proof the account was mine. No acknowledgement that they are continuing to report illegally in violation of MA laws. 
I would like the fraudulent account removed.
Product: Credit reporting or other personal consumer reports

I submitted a dispute for XXXX XXXX XXXX XXXX XXXX XXXX  ) with XXXX XXXX account number XXXX. I informed them this was an ILLEGAL XXXX XXXX and that XXXX  capped rates at 36 %, the loan could be no more than XXXX and the term 31 days. I had paid over XXXX on a XXXX loan and still owed more than XXXX and the interest rate was over 270 %. This is illegal and they are hiding behind XXXX XXXX. I gave them the lending agreement showing the illegal interest rate as well as documentation taht I had already paid teh loan but it showed I owed XXXX. They refuse to remove it from my report when it is a ) an illegal tribal loan. b ) illegal interest rate and c ) hiding behind XXXX XXXX XXXX  when it is actaully a XXXX XXXX with a 270 % interest rate.
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiries from : One Main Financial 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 am formally requesting a follow up in this complaint to update the account in my credit profile that is appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 
Experian : XXXXXXXX XXXX Date opened : XX/XX/2021 XXXX XXXX Balance : {$0.00} -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX Date opened : XX/XX/2021 XXXX Balance : {$0.00}. In addition please provide evidence that the account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please update the inaccuracy on this accounts information as quickly as possible.
Product: Credit card or prepaid card

Hey there, I have a Care Credit card from Synchrony bank and I recently started using it for my pet 's vet bills. I was going to pay off the full balance recently, however, I looked over the activity to verify everything was there. I noticed there was a " Card Security '' fee that was charged 6 times that ranged from XXXX dollars. The total from this charge was around XXXX. I do not remember signing up for card security as this card was set up in XXXX of 2014. As a general rule, I never opt in for the " Card Security '' that credit cards offer. I tried calling to cancel however, the phone number on the charge would not answer. I then tried calling the Synchrony credit customer service and they could not verify my address from 2014 when I listed all my addresses and phone number. They said they would escalate the issue and have someone call me back in a couple days but no one has reached out.
Product: Credit reporting or other personal consumer reports

Hi, I am writing to formally lodge a complaint regarding the unauthorized exposure of my personal information on all credit reporting systems including but not limited to XXXX, Equifax, and XXXX. I have recently discovered thatmy sensitive data has been shared ormade accessible without my explicit consent, which I believe constitutes a serious violation of my privacy and legal rights. 
As you are likely aware, under the FCRA and other relevant data protection laws, it is illegal to disclose or share personal information without the individuals consent. The unauthorized exposure of my data is a direct infringement on my privacy, and I request that my personal information be immediately removed from all records. I insist that prompt action to remove my personal information from all systems, provide me with written confirmation that allmy data has been removed from all data bases and reports and confirmation that no further unauthorized disclosures or usage of my information will occur. 
Please be aware that if this issue is not resolved to satisfaction on a timely manner, I will have no choice but to pursue legal action including filing complaints with other regulatory bodies and taking this matter up in court. I trust this issue with be treated with the seriousness it deserves and immediate corrective action will be taken. 

Thank You, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 all 3 credit reporting agencies, XXXX XXXX, Experion XXXX, XXXX  XXXX report to XXXX those credit scores when I pull FICO it show XXXX XXXX, XXXX XXXX, Experion XXXX, I maybe denial an equity line of credit because of this misrepresentation
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is not mine and i never stayed at the apartments. I told them that they have commited Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

also this agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been
made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Chrysler Capital financed my car a XXXX XXXX XXXX it was totaled in an accident by another insured driver in XXXX of XXXX. My insurance Company Paid a settlement of over {$15000.00} and They were ready in 6 days to finalize the settlement from the date of loss. Chrysler Capital kept MY insurance company XXXX XXXX XXXX XXXX waiting til the first offer expired in 45 days. not only that they did not send my XXXX XXXX company XXXX XXXX XXXX XXXX XXXX a copy of the police report and this delayed the process further. I called Chrysler Capital repeatedly on behalf of my insurance company XXXX XXXX XXXX XXXX XXXX they ask me to call XXXX so the check for pay on the settlement would not cancel by issued date.And XXXX wanted to pickup the total loss car that they settled for. Furthermore, it was not Until XXXX, XXXX that I was told to contact my Gap insurance company. XXXX XXXX informed me that Chysler Capital did not send them the police report and this report was in the file from XXXX that had to be sent over with both company communicating specifications of the accident. Why I was appalled and after I gave my copy of the police report XXXX XXXX XXXX issued the balance on the car ( see uploaded documents ) .XXXX  XXXX, XXXX the check was sent for XXXX from XXXX XXXXXXXX XXXX XXXX XXXX settle the account in full.Chrysler Capital wrongfully charged my credit account of as bad debt on my credit report and still arre trying to blame me for there teams errors and i want help. I am still being XXXX by them with a letter to date of XX/XX/XXXX. I've submitted this documentation to prove my case.
Product: Debt collection

My car was totaled out and the car was financed through XXXX XXXX. XXXX paid the company so Im not sure why there is a XXXX balance reported to my credit report and also sold Jefferson. That is a violation of my consumer rights .So both are sitting on my credit report without my permission I am not aware of this balance and was never notified of such
Product: Debt collection

I get a call almost every hour of the day. And was told my credit score will go down if I do not pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX Last four SSN # XXXX RE : XXXX XXXX Acct # XXXX Equifax are you exercising your grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. In my dispute, I specifically requested that you conduct a reinvestigation into the accuracy of the below item, as provided under the FCRA. You have failed to do so. My consumer report is still containing false and defamatory information, and that you refused either to correct or delete the information in my consumer file after I notified you of the inaccuracy. You can't merely parrot the furnisher information.Your agency 's failure to conduct a proper reinvestigation and your reliance solely on the furnisher 's information not only puts you in violation of the FCRA but also subjects me to potential financial harm and distress, as inaccurate credit reporting can affect my creditworthiness and financial opportunities. 
1. Delete this inaccurate account because paid on time in XX/XX/XXXX and I also included my bank statement as proof in my reinvestigation the first time that I paid it on time. I am also including the reinvestigation again Confirmation # XXXX : see attached documents. Proof of a proper reinvestigation was done and no change was made to circle and highlighted XX/XX/XXXX paid on time. Section 611 ( a ) ( 1 ) of the FCRA clearly states that " A consumer reporting agency shall ... conduct a reinvestigation ... of the disputed information. '' This reinvestigation must be conducted in a manner that is fair and reasonable to ensure the accuracy of the information reported. Additionally, Section 611 ( a ) ( 5 ) ( A ) of the FCRA mandates that if the information is found to be inaccurate or incomplete, the consumer reporting agency must promptly correct or delete the information. Failing to do so further compounds the violation of the law. Therefore, I am formally requesting that your agency reopens my dispute and performs a full and diligent investigation into the accuracy of the disputed items, as required by the FCRA. I also demand that any inaccuracies found during this reinvestigation be promptly corrected or deleted from my credit report, in accordance with the provisions of the FCRA. All CFPB complaints maybe used as legal evidence. Regards XXXX XXXX XXXX
Product: Credit reporting

I previously disputed the following addresses that do n't belong to me, but still is listed on my Experian credit report. The following addresses do n't belong to me : XXXX XXXX XXXX # XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX, XXXX XXXX, MN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian requesting to provide physical verification of the original signed consumer contract on accounts and inquires posted on my credit report, or to remove if unable to provide verifiable proof which was received by them on XX/XX/2018. ( Receipt attached ) It has been more than 30 days, and I have not received any proof or updated investigation results from Experian. Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau XXXX I request that Experian immediately delete this information from my credit reports.