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

RE Account Numbers XXXXXXXX XXXX This letter is a formal complaint that you are reporting my nonpublic and personal information without my written consent. Please show me the proof you sent me giving me options on how I could opt out of sharing my nonpublic information and proof showing you gave me the option to not disclose my transaction history each month with a third party. 
The law states a consumer must give written consent to opt out of sharing their nonpublic information to the financial institution. I did this and you stated I did not have that right to opt out. It is a violation to report my transactions or experiences between you and I with a third party or consumer reporting agency without my written consent. It is the policy stated by Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers to insure the security and confidentiality of their customer records and information. This includes protecting against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 

I the consumer should have been given the opportunity, before such information was to be reported which gives me the option to direct you that such information should not be reported. I also should have been explained how I could exercise that nondisclosure option, which I was never advised. I have written multiple times, and you have continued to ignore my written request. 

Your failure to comply with the law and my written request has hurt my ability to obtain credit. Again, I am requesting to opt out of sharing my nonpublic information and for you to remove all my transaction history from all nonaffiliated third parties such as Experian, XXXX, and XXXX XXXX immediately. Otherwise, I will pursue legal actions for every month my nonpublic information has been reported which could be a fine of {$1000.00} per violation. 

Thank you for your immediate attention to this matter.
Product: Consumer Loan

I had a Kia Lease and turned the vehicle in several months early on XXXX/XXXX/2016, which was before my XX/XX/XXXX payment was due on XXXX/XXXX/2016. When I received my payoff statement from Kia, I contacted them on XXXX/XXXX/16 and spoke to XXXX to set up a payment arrangement. I agreed to pay {$250.00} that day and $ XXXX/mo after that. I asked her about any credit reporting that may be done and she assured me my credit would not be impacted. She also advised me that my account would be turned over to the Recovery Team in XX/XX/XXXX and they would be able to grant me an extension. On XXXX/XXXX/16 I pulled my XXXX credit report and saw that Kia had reported my XX/XX/XXXX payment as 30 days past due. I called Kia and spoke to XXXX who advised my account should not have been reported since my vehicle was turned in before the payment was due. She submitted a dispute and advised to allow 7-10 business days to resolve. I spoke to XXXX on XX/XX/XXXX who was unable to provide me any updates on my dispute and submitted a callback request for a supervisor to call me within 2 days. When I never received a call, I called on XX/XX/XXXX and spoke to XXXX XXXX, a supervisor in the Lease Ends department. XXXX confirmed that my vehicle had been turned in on XXXX/XXXX/16 and there was no reason my account should have been reported ; he said it was a system error. He advised that the correction had already been submitted to the credit bureaus and I would receive a letter in the mail verifying that. I also asked him about the Recovery Team and if I needed to speak to them to get an extension on my account. He placed me on hold and double-checked and assured me that I did not need to do anything further, just continue making my payments the way I had been. I then receive a letter on XXXX/XXXX/16 from XXXX, a third party collection company regarding my outstanding debt. I speak to XXXX at Kia on XXXX/XXXX/16 who assures me that the third party company is only brought in to help Kia with their collections and does not impact credit. She also advised that the decision on the credit dispute was a denial and I would have to send a written dispute in to the credit bureaus. She advised that I would need to talk to the Recovery Team regarding anything else. I spoke to XXXX on the Recovery Team who reassured me that my debt was not sold to XXXX and there is no credit impact. She could not provide an explanation as to why I was lied to by XXXX XXXX when I spoke to him on XXXX/XXXX/16, and advised me I would need to set up a new payment arrangement with XXXX. She also confirmed the denial on my request for the credit correction. She explained that the policy of Kia is that a written dispute is needed, regardless of who 's error caused the credit reporting. She refused to put me in touch with a supervisor at that time and promised a supervisor would call me by the end of today. It is now XXXX EST ( 20 minutes from their closing time ) and I have not heard from anyone.
Product: Mortgage

I was having issues with hours during covid and so I opted for a covid plan to not have to make payments until my hardship was over and then I would start making payments again and the amount I owed would be moved to the end of my plan. After my hardship was over, I requested the documents I needed to start marking payments and a notary be sent out to watch and take the paperwork back. I met the notary at work, we signed and they took the documents. Then the notary never sent the documents or something, I have no idea. But I had to request more documents be sent out, because they didn't get them. So we did it again, I met with a different notary, they took the documents and they sent them. This time they said that I signed my name wrong on one of the papers. So they had to send out the documents again, but this time I didn't get them. So after a bit, I got a letter saying my plan was cancelled for something and I would call and say I was waiting on the documents still and then they said they would send them out again. This happened a couple times. Then I got a call saying I couldn't get the Covid plan now, I have to do this other plan. I said I didn't want the other plan, I wanted the Covid one I was told I would get when I signed up for it. And it's been back and forth since.
Product: Vehicle loan or lease

To Whom may concern, I brought a car from USAUTO sales In XXXX XXXX Ga XX/XX/XXXX. When I purchased my car I also Purchased the Vehicle warranty which USAUTO SALES never brough. I put over {$5000.00} down on my car on top of other fee 's I was charged. I recently received a email from a company by the name of WEST LAKE PORTFOLIO located in California which that company is a debt collecting agency stating my car loan will start over meaning everything I've Paid just doesn't matter. I do not agree with that decision being I've paid over {$10000.00} to USAUTO SALES and now since they filed XXXX A paying customer has to suffer. In XX/XX/XXXX US AUTO SALES  filed for XXXX XXXX XXXX  protection on XX/XX/XXXX. This new debt collection agency located in California keep calling saying they will repo my car and ship it to Nevada to be sold in an car auction. I've never signed any contacts with WEST PORTFOLIO, and they are not on my current contract nor have I signed any new contacts agreeing with them. US AUTO SALES broke the contact sales agreement started on XX/XX/XXXX. I've called all 3 credit bureau and USAUTO SALES was removed and zeroed out. My balance is {$0.00} as of XXXX need this issued addressed. If someone can please get back to me on this issue asap. I can also provide proof and receipts showing everything. I also have my buyer contract with a detailed contact between me and USAUTOSALES.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I use Zelle all the time. Despite using Zelle numerous times and reporting issues, my bank and Zelle failed to investigate my claims. They told me that recovering those funds is impossible and they couldnt track the transactions. Neglecting to protect its costumers, it makes it easier for users to fall victim to scams, etc. the lack of transparency is scary and unacceptable and raises serious concerns about safety while using zelle.
Product: Credit card

When booking a flight on XXXX XXXX at the payment step an offer is shown by Citi cards to save {$200.00} and get XXXX miles. I applied and was approved, but was then told my card would not arrive for 7-10 days and the offer was not available for the flight I was booking.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. States a Consumer Reporting Agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third attempt reaching out to this company in regards to inaccurate information reporting on my credit report. I have contacted this company through mail and by telephone. They have not removed the inaccurate accounts that are on my credit report. These are violations of the Fair Credit Reporting Act and the FDCPA. Also there were inquiries that were unauthorized that are listed on the reports that was sent to this company. This company has failed to comply to laws stated in section 611 of the Act.
Product: Money transfer, virtual currency, or money service

My account was frozen by Venmo they told me I have to wait up to 180 days to be able to transfer my funds out but when they finally emailed me to say I can they wont let me add a bank to my account because they suspended it theyre basically just trying to keep my money. They wont allow me to add a bank to get my money out the account.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Collection Agency has reported invalid debt to credit bureaus. 
I contact the collection agency to determine what this debt was for and told it was for XXXX XXXX XXXX XXXX, a doctors office I had prior services from. I contacted XXXX XXXX XXXX ( XXXX XXXX ) and was told that they billed through XXXX XXXX Hospital and did n't have a record of this debt. I then contacted XXXX Billing Office ( XXXX ) who I have a monthly payment for over {$1500.00} of medical bills and I was told that although I did have open accounts with XXXX XXXX XXXX XXXX, none were for the {$28.00} being reported and that they had n't reported any of these debts as they were in good standing. I again contact the collection agency and asked for validation of debt. They never sent me anything. Definitely not a valid debt. Will also be contacting NY State Attorney General about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Convergent accounts has violated my rights, 15 USC 1681 section 602 A states I have privacy rights, 15 USC 681 section 604 A also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years, 15 USC 1681 s -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 information is inaccurate, XXXX XXXX  acct XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct XXXX, XXXX XXXX acct XXXX, XXXX XXXX acct XXXX, XXXX acct XXXX, XXXX  acct XXXX, XXXX  acct XXXX, XXXX acct XXXX, XXXXXXXX XXXX XXXX acct XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX act XXXX, XXXX XXXX acct XXXX, XXXX acct XXXX, XXXX XXXX XXXX XXXX  acct XXXX, XXXX XXXX acct XXXX XXXX acct XXXX, acct XXXX, XXXX acct XXXX, XXXX XXXX  acct XXXX, XXXX acct XXXX, XXXX acct XXXX, XXXX  XXXX acct XXXX, XXXX acct XXXX, XXXX acct XXXX, XXXX XXXX XXXXXXXX acct XXXX,
Product: Money transfers

In XX/XX/2015 {$22000.00} was wired from my personal bank account at XXXX to cover illegal charges. The identity theft continues till today. I have lock my personal information and credit thru the agencies. I have contacted all appropriate law enforcement but to no avail.
Product: Mortgage

In XX/XX/13 i was granted a divorce and the assets were divided between my ex-wife and myself. I continued to make my payments on time with no late payments. My ex-wife didn't pay the creditors and had a foreclosure and numerous late payments. We have ( 3 ) lines of credit with chase bank that are joint accounts. I purchased one of the properties back from the ex-wife, and she continues to pay the other two. The one I purchase from her had a line of credit of {$240000.00} which I have paid down to {$130000.00}. I have tried to refi the line of credit with chase bank and they refuse issure a new line in my name only and will not allow me to take my name off the two she still has. My credit has continue to be perfect with never having a late payment. I tried to get a line of credit with XXXX XXXX XXXX and because of the foreclosure and her late payments they will not give me the credit, not to mention the hard inquiries bring down my credit score. The properties have a grant deed to each of our names individually. I have no control of her properties.
Product: Credit reporting

I have sent Experian numerous of certified letters requiring them to verify my Chapter XXXX Bankruptcy. I have included copies of the original disputes, which lists in detail the type of verification requested. I understand that my bankruptcy remains on my public record, not my credit report. This Bankruptcy is a third party reporting, Experian was able to get my public information. XXXX Court and credit bureaus are not affiliated in any manner and the court is unaware of their process and procedures for reporting or removal of information from a credit report. In addition, the XXXX Court does not report or verify information with credit bureaus. The credit bureaus have their own procedure for retrieving information from the public record of the XXXX Court and the court has no knowledge in this regards. I ask Experian to validate ( 3x 's ) with the United States XXXX and provide me with copies of and documentation associated with my Bankruptcy, bearing my signature. This unsatisfactory as proof that Experian is unable to provide me the documentation. Experian, have not complied with my right to have validation of my Chapter XXXX Bankruptcy, according to the standards of the FDCPA, and you not responding is hereby rejected as a validation of the Bankruptcy. You must remove the collection listing from my credit report, or I will file a lawsuit for violation of the Fair Collection Practices Act, Negligent of Identity fraud and Defamation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Inquires on my Equifax I have reached out to all creditors and Equifax to ask theses unrecognized inquiries removed immediately, but no luck. 

The FCRA states that the only permissible purpose for pulling someones credit report is : Firm offer of credit. 
Insurance A court order.

Employment I recently pulled a copy of my credit report and noticed inquiries that I did not authorize and do not Fit A, B, C, or D above. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report, as they WERE NOT AUTHORIZED!!!!!!!! 





Re : XXXX Inquiries on my credit report I have reached out to all creditors and XXXX to ask theses unrecognized inquiries removed immediately, but no luck. 

The FCRA states that the only permissible purpose for pulling someones credit report is : Firm offer of credit. 
Insurance A court order. 
Employment I recently pulled a copy of my credit report and noticed inquiries that I did not authorize and do not Fit A, B, C, or D above. 

See Attachment
Product: Checking or savings account

I opened the checking account on XX/XX/XXXX with the bonus offer : " {$250.00}, {$25.00} per month for 10 months. Reward payments will cease at the earlier of reaching {$250.00} total or 11 consecutive cycles from the date you opened your account. To be eligible to receive monthly bonus you must satisfy the following transaction activity requirements : have an ACH deposit to your account of {$500.00} or more during your statement cycle ; OR, complete 10 Point-of-Sale ( POS ) transactions during your statement cycle, using your YourStyle Visa Debit Card linked to your account. " Until XX/XX/XXXX, the 11th consecutive cycle ended, I had 10 cycles with equal or more than 10 POS transactions in each cycle ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). I only missed the XX/XX/XXXX circle, which is because the bank made the statement date two days earlier than usual. ( I called the branch and they explained that because XX/XX/XXXX is Sunday. So they made the XXXX/XXXX/XXXX the statement closing date, instead of XX/XX/XXXX. According to the thumb of rules, in such a situation, the statement closing date should be postponed one day to Mondy, instead of ahead of two days to Friday. This not only caused me the {$25.00} bonus not posted but also I was charged $ XXXX monthly maintaining fee. ) On XX/XX/XXXX 's statement, which is the 11th consecutive circle, the 10th {$25.00} bonus should be posted. However, it was not. I online chatted and the agent confirmed that {$25.00} should be posted on the statement of XX/XX/XXXX. I have the screenshot of the confirmation. She said I need to contact the branch to let them manually correct the error and give me the bonus. But the branch never responded. The bank 's service XXXX. Wasting my time without solving such a simple problem.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX Balance Owed : {$870.00} XXXX XXXX XXXX Balance Owed : {$970.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I e-mailed Standard Mortgage Company to ask how I could get the PMI removed from my account because my loan is now less than 77 % of the value of the home when I purchased it. ( It was my understanding that, according to the Homeowner Protection Act, PMI was supposed to be automatically removed when I hit the 80 % threshold. ) I have never missed a payment or had a late payment. My credit score is exceptional. I would imagine that my risk level as a customer is very, very low. I also asked in the original e-mail if we could leave my payment the same and just apply the money that used to go to PMI toward the principal. I never received an answer to the second question. 

On Thursday, XX/XX/XXXX, XXXX XXXX XXXX responded that XXXX XXXX says they can not remove the PMI because they need a more recent appraisal of my house to ensure the value has not decreased. I would have to pay {$190.00} out of pocket for this appraisal. I provided them with the county assessor 's appraisal value from 2022 ( {$160000.00} - the original value of the loan was {$140000.00}, the original appraisal was {$140000.00}, and we owe about {$110000.00} ) and also stated that home prices in America have increased significantly over the past few years and that it would be virtually impossible for the value of my home to have gone down. XXXX responded that the county 's valuation would not be acceptable and that since there had been a tornado in my area over a year ago, my property might have been damaged and thus devalued. I explained to him that the tornado was not in my neighborhood and we received no damage, and that there are several recently sold properties in my neighborhood that could serve as " comps '' to prove that. 

I have always heard how difficult it is to get PMI removed from your account, but I also thought that the Homeowner Protection Act offered some sort of relief from this. It appears that my mortgage company has figured out a way to continue to make it difficult to remove PMI from your loan, even when you have met all the requirements. They would like to squeeze one last {$190.00} our of you since they won't be getting monthly payments any longer.
Product: Credit reporting or other personal consumer reports

It's been over 90 days since i sent the letters to the credit burau I waited more then 30 days i have not receive anything from them when i check my credit report the errors are still in there inconsistency. XXXX XXXX XXXX # XXXX has been removed from XXXX and TransUnion but still show on XXXX. XXXX XXXX XXXX # XXXX