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

I am writing to file a formal complaint against AMEX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach Bliley Act ( GLBA ) to opt out of such information sharing and I believe my privacy rights have been violated. 
On XXXX XXXX XXXX I notified AMEX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non0verbal, for the sharing of my nonpublic personal information with non- affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 
I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 and I have retained documentation of my communication with the institution. 
Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that AMEX has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 
This un-authorization sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this un-authorization sharing, including the potential for identity theft, fraud, or other financial harm. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that AMEX complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers like me. 
Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by AMEX. 
Please feel free to contact me at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.
Product: Credit reporting or other personal consumer reports

I couldn't believe it when I saw incorrect accounts on my credit report this morning. I've always kept a close eye on my credit, and this just came out of nowhere. I even refreshed my browser, hoping it was a glitch, but the wrong accounts stayed there. This is really upsetting, and I need the documents I've sent to be reviewed carefully so I never have to worry about this again.
Product: Credit reporting or other personal consumer reports

Contacted the following companies and explained to them that the account is fraud also notified XXXX, XXXX and XXXX that the accounts were products of identity theft asked them to provide proof that the accounts actually belonged to me and the following companies failed to remove the items that are negatively affecting my credit rating and never provided and proof or correspondence. 

XXXX XXXX XXXX XXXX sold to XXXX XXXX XXXX XXXXXXXX sold to collection agency XXXX XXXX The companies do not take identity theft seriously and do not help consumers instead they create financial hardships and dont thoroughly investigate valid claims.
Product: Student loan

I graduated from college over XXXX XXXX ago and made {$5000.00} in payments and they applied all {$5000.00} towards interest. Here they were charging me XXXX % interest while in school when I was n't required to make payments. Even know I was in school I still tried my best to make payments and all my payments went to interest.
Product: Payday loan, title loan, or personal loan

I received a loan from XXXX XXXX XXXX in XX/XX/2018 for {$6500.00}. At 75 % interest. I made every payment including the XX/XX/XXXX payment. On XX/XX/XXXX I had an electrical fire in the truck. I notified XXXX and they contacted my insurance company with a loan pay off amount of {$7300.00}. Which was strange because as of XX/XX/XXXX the loan principal was {$6200.00}. My insurance made a payment to XXXX XXXX XXXX for {$7300.00} on XX/XX/18. I have a copy of the check. On XX/XX/XXXX my normally scheduled payment date I began getting 4 to 5 calls a day claiming my payment was late. I checked my online payment history and it showed a payment of {$5700.00} was made but I still owed a principal of {$920.00}. The calls continued 4 times a day everyday as late as XXXX. After attempting to speak with the various managers and having to argue my case. They claimed to start a payment investigation which still has yet to be resolved. I'm assuming the {$5700.00} was the true principal owed and once they knew insurance was involved they changed the principal to {$7300.00} with a plan to pocket the {$920.00} but failed to change the principal back in the system. So not only do they owe me that money but they are also attempting to collect it from me.
Product: Checking or savings account

{$8500.00} from checking 2 months ago will not give me money back and ruined my life, citibank
Product: Credit card or prepaid card

GM Card was converted to G Marcus Goldman card in husband 's name. XXXX has been XXXX  since XXXX and I ( spouse ) inadvertently sent 2 payments to the XXXX XXXX ( that was closed ) in XXXX & XX/XX/XXXX - XXXX payments totalling {$6800.00}. 

I have called Customer Service at Goldman Sachs numerous times but no customer service person can do anything until I provide an Estate Administrator form which would have been obtain if husband 's estate went through probate. It did not go through probate and I don't have an Estate Administrator form. My attorney prepared an Affidavit for Collection of Personal Property indicating that XXXX XXXX can receive personal property for XXXX XXXX. 

Customer Service at Goldman Sachs will not escalate my issue to someone other than next level Customer Service and I am always told they can do nothing without the Estate Administrator Form. They are holding my {$6800.00} and have never made any effort to contact me to return the funds. Totally frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT ACCEPTANCE CORP is reporting a car repossessed and late even after the vehicle was totaled this is a violation of the FCRA. They reported the account late every month for years, but this is inaccurate the car was never repossessed it was totaled in 2020. 

I'll sue under the FCRA sections US Court of Appeals Ninth Circuit, No 00- 15946, NELSON vs. CHASE Manhattan for Defamation and financial injury. Because " CREDIT ACCEPTANCE CORP '' at this point is purposely reporting information to the credit bureaus inaccurately which goes against the FCRA and FDCPA.
Product: Vehicle loan or lease

I received a repossession notice in the mail on the XXXX of XXXX of 2022. Which gave me 3 days over a holiday weekend to come up with the money. The letter was dated on the XXXX of XX/XX/2022. The letter says that I have 13 days from the date of the letter to make a payment on the amount that is past due. It appears that they held onto the letter for several days before it was put in the mail since it should not take until the XXXX of XX/XX/2022 to receive it. If it was mailed on the XXXX of XX/XX/2022.
Product: Vehicle loan or lease

XXXX in XXXX is selling people cars with messed up loans. Credit Acceptance is breaking the law by charging people hidden fees in their contract and interest fees that arent legal. They also, sell you a warranty for your car that you cant use! Do not fall victim to XXXX or Credit Acceptance.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft, pursuant to section XXXX, the fraudulent information must be removed. Fraudulent address are listed in the attached FTC.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding fraudulent accounts on my credit report, which were opened without my authorization. Despite my disputes with Experian, TransUnion, and Equifax, these errors remain unresolved, severely affecting my financial stability. 

Under 15 U.S.C. 1681c-2, I request immediate blocking and deletion of these accounts and a written confirmation of their removal. Failure to comply violates 15 U.S.C. 1681n, entitling me to legal action for damages caused by this willful noncompliance.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved 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 Unknown Collection XXXX
Product: Vehicle loan or lease

XXXX XXXX I bought a used car in XX/XX/XXXX and the financing department of the car dealership got financing with Fifth Third Bank. 

I immediately went to their website to sign up for automatic payment for my car payment. I printed off the form, filled it out with my bank info and faxed it back to Fifth Third. 

On XX/XX/XXXX i received a confirmation letter that my auto payments have been set up. 

On XX/XX/XXXX to be sure my payment would be take on XX/XX/XXXX ( my first scheduled payment ) I did a chat on the Fifth Third bank website with their representatives and after some initial confusion ( on their part ) they assured me that indeed my payment would be taken out on XX/XX/XXXX. 

Today I went to the website to check on my loan and was met with IT LOOKS LIKE YOU MISSED A LOAN PAYMENT. 

I have screen prints from XX/XX/XXXX conversation chat I had with a Fifth Third representatives who verified my XX/XX/XXXX payment would go through as it was set up and per my confirmation letter. 

Today I asked for a supervisor at Fifth Third Bank and XXXX got on the line and said my first payment would be made on XX/XX/XXXX and that I could make a payment now and still be on time because of a " grace '' period. 

This bank is nothing but a fraud. I have never worked so hard or spent so much time trying to get a payment made on time. I told them I would be contacting the XXXX of Banks to file a complaint and XXXX said " ok ''. ( I now know it's CFPB ) Please help. I did not give them any payment today because they assured me they were taking the payment on XX/XX/XXXX. I want them to do as they assured me and not lie to me. They need to make this right. If they can lie about my XXXX payment, why not lie about my XXXX payment? Meanwhile they will destroy my credit. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my second complaint about Wells Fargo and a credit card that is being reported to my credit report. Ive explained to everyone involved that this is not my account that it was open due to identity theft its related to a company that I dont own and never have and you guys just completed a review and a complaint, excepted the response from Wells Fargo didnt bother to pay attention to it. The CFPB took a response from Wells Fargo and close my case, as opposed to forcing them to remove it from my credit, which is what supposed to happen the information that Wells Fargo sent back to the CFPB isnt even about me about An individual named XXXX XXXX XXXX Who lives at XXXX XXXX XXXX. in XXXXXX/XX/XXXXXXXX Theyve sent me this persons account profile along with statement and everything else showing everything that the person has paid and purchased and his address and the account number and Social Security number. Im not sure that this is a major violation on Wells Fargos behalf. I wonder if I should contact this person and let him know that his information has been breached.
Product: Credit card or prepaid card

I applied the XXXX gold card with amex and checked with the online agent to confirm that I will get {$150.00} shipping credit. However, amex denied the offer and refused to offer the credit. Please checked the attachment for the chat transcript since I opened the account and the response from different aget with different answers.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and 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 reported in to be removed. 

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. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( 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! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Names are inaccurate All those other spellings are inaccurate. EQUIFAX AND XXXX   WOULDNT RELEASE MY FREE REPORT YET THEY POST ON XXXX XXXX AND  OTHER CREDIT INQUIRIES THESE ITEMS I have inaccurate information on my credit report and it is preventing me from obtaining a house and better business credit. I have not done business with these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses need to be removed people are using my name only my current address I want listed I will submit information to all 3 bureaus XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, O-XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OHXXXX XXXX XXXX XXXX , XXXX, GA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX , XXXX, O XXXX XXXX XXXX, XXXX XXXX,
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. 

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Requested Lexis Nexis Consumer Center by website last year around XXXX  2022, as well as by phone tried to get free XXXX XXXX  for XXXX XXXX XXXX  Company never responded or sent free report as requested by mail/ website
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX I was reported delinquent on payments for following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have tried calling this lender to dispute above mentioned, but unsuccessful. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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.
Product: Credit reporting or other personal consumer reports

Disputed inaccurate bankruptcy of my credit report. Was told they verified with XXXX XXXX and XXXX XXXX has now removed from report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly 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
Product: Debt collection

received a collection letter from ic systems XXXX. called them immediately and advised them id theft from ex wife. person i spoke to gave me address and forms required to document the fraud which i sent XX/XX/17. i received a email XX/XX/17 from my credit card co. advising of XXXX XXXX decrease from XXXX which is for this debt. the amount is XXXX creditor XXXX XXXX XXXX XXXX XXXX XXXX ga. XXXX the debt collection agency ic systems XXXX XXXX XXXX mn. XXXX
Product: Checking or savings account

XX/XX/XXXX withdrawal made from my account at Capital One to XXXX XXXX XXXX. According to XXXX XXXX XXXX this was rejected and returned to Capital One.Captial One claim no knowledge of this and are unable to give information on this. They are also extremely difficult to contact. Copy of letter from XXXX attached.
Product: Credit reporting or other personal consumer reports

These inquiries do not relate to me or my creditors.
Product: Credit reporting or other personal consumer reports

The account in question was removed from my credit file by XXXX on XX/XX/year>. However, it is still appearing on my report with your agency. The specific account information is as follows : Account Name : [ XXXX ] Account Number : [ N/A ] Reported Date : [ XX/XX/year> ] I am requesting that you investigate this matter and remove the item from my credit report, as it has already been removed by another bureau and is no longer valid. Please provide written confirmation once the dispute has been resolved. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and correct any inaccuracies within XXXX days of receiving this letter. I appreciate your prompt attention to this matter. If you need any further information from me to process this dispute, please feel free to contact me at [ phone number ] or via email at [ email address ]. Thank you for your attention to this matter.
Product: Mortgage

I am trying to payoff my loan. I am told the only way to pay off the loan early is to pay a XXXX $ penalty/fee. The lender will not let me pay the required extra principal to pay off the loan because the lender limits the amount of extra principal that can be paid within a 50 day period, on-line, and by phone. I have a choice of making one extra payment every 50 days ( would take 4 months ) or pay the penalty/fee for paying off the loan early and getting the lender to provide the paperwork. When I told lender I was going to report this, all I got was the representative indicated she did not consent to being recorded and I could not use the information she provided against the company or her.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of all fraudulent, obsolete, or incorrect information from my credit report. I have noticed multiple addresses and name variations listed on my credit report that do not correspond to my current or past information and believe these entries to be erroneous or outdated.To ensure the accuracy of my credit report, I ask that only the following information be retained : Name : XXXX XXXX Current Address : XXXX XXXX XXXX, XXXX, XXXX  XXXX Please remove all other addresses and name variations listed on my credit report that do not match the above information.Thank you for your prompt attention to this matter. I look forward to your swift resolution.
Product: Credit reporting or other personal consumer reports

I sent a dispute to XXXX, Equifax, and XXXX multiple times and they have yet to respond to me with the proper verification of the bankruptcy they are reporting on my consumer reports. Sometimes they won't even respond at all. It has been over a year, and they have yet to remove this bankruptcy. Last year in XXXX 2024 XXXX stated they verified the account with XXXX XXXX. XXXX XXXX replied saying they could not locate the bankruptcy that XXXX is claiming to verify. They sent me a letter showing it was not found. So how can these companies continue to report this on my consumer report. I Sent a new letter XXXX. They have no permissible purpose and it simply states in 15 USC 1681b these companies must have permissible purpose. I also contacted the US Bankruptcy court and XXXX they both responded that they do not provide XXXX, Equifax, and XXXX with any information. These companies are violating my rights as a consumer and the CFPB is supposed to protect me from companies like these.
Product: Vehicle loan or lease

Ive tried to get a written contract from them for years and never received again. They have been under investigation for fraudulent acts and I want this account removed from my credit report.