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

Subject : Formal Complaint Regarding Violation of Consumer Rights, Privacy Act, FCRA, and Consumer Protection Act I am writing to officially register a complaint against [ Credit Reporting Agencies Attached to this complaint / Financial Institution attached to this complaint ] for significant violations of my consumer rights, privacy act rights, the Fair Credit Reporting Act ( FCRA ), and the Consumer Protection Act. This complaint is submitted in accordance with the relevant legal provisions and is based on the following grounds : 1. **FCRA Violations : ** - As a federally protected consumer, I hereby exercise my right to opt out of any and all authorization for the disclosure of my nonpublic personal information, in accordance with XXXX XXXX XXXX. 
- XXXX XXXX XXXX XXXX, [ XXXX XXXX attaches to this complaint ] failed to provide the required notice or disclosure regarding the sharing or selling of my private information to non-affiliated agencies, such as consumer reporting agencies. 

XXXX. **Consumer Reporting Agencies ( CRA ) Violations : ** - [ Credit Reporting Agencies , e.g., XXXX XXXX XXXX XXXX XXXXXXXX XXXX, are non-affiliated third-party entities that have violated my privacy by accessing and sharing my personal information without explicit consent. 

XXXX. XXXX*Privacy Act Violations : ** - Violation of my rights under the Privacy Act ( 5 USC 552a ) by [ Financial Institutions and CRAs ] through the willful sale and sharing of my nonpublic information without proper permission and notice.

4. **FCRA Compliance Failures : ** - [ Credit Reporting Agencies and Financial Institutions ] failed to maintain reasonable procedures to ensure users had permissible purposes for accessing reports, assure maximum possible accuracy, and provide FCRA-mandated User Notices. 

XXXX. **CFPB Enforcement Action : ** - Reference to the recent enforcement action against TransUnion by the Consumer Financial Protection Bureau XXXX CFPB ) on XX/XX/2022, highlighting concerns about the industry 's compliance with the law. 

XXXX. **Damages and Legal Remedies : ** - Due to the failure to honor my opt-out requests per 15 USC 6802, I have suffered traumatic emotional, financial, and physical damages, necessitating legal redress.

7. **15 USC 1681n- Civil Liability : ** - Pursuant to 15 USC 1681n , I seek civil liability for willful noncompliance, including actual damages, punitive damages, and legal costs. 

XXXX. **Dodd-Frank Act Violations : ** - Asserting that [ Credit Reporting Agencies and Financial Institutions ] are engaging in deceptive acts or practices, violating consumer financial laws under the XXXX XXXX XXXX Reform and Consumer Protection Act. 

In consideration of the aforementioned violations, I request a thorough investigation into this matter and a detailed response outlining the corrective actions taken. Attached herewith are supporting documents demonstrating the unauthorized sharing of my personal information. 

I am prepared to pursue legal avenues for resolution if necessary. Your immediate attention to this matter is appreciated, and I anticipate a timely resolution.
Product: Payday loan, title loan, or personal loan

I received a line of credit of a XXXX dollars so I took out a draw of XXXX around XXXX XXXX  and the other XXXX around XX/XX/2022 on this XXXX dollars I made XXXX payments XXXX dollars XXXX dollars and a pay off of XXXX dollars XXXX left my account with them owing me XXXX cents.then didn't use the line of credit again until XXXX 2022 took out the XXXX dollars then a few days later they tried taking around XXXX dollars out of my account saying it was 195 days of back intrest on the loan that I had paid in full on XX/XX/2022 that left them owing me XXXX cents I have reached out to them lots of times all I get in response is there very sorry and they will escalate the problem to upper management nobody ever calls XXXX ask them what my payment is on the money I actually do owe them and they can't tell me that because it is all been added together. So I don't know what to do because I can't make the payment on the money Iowe because they keep trying to take money out of my account for the loan that I have paid in full on XX/XX/XXXX I'm so frustrated it seems that they are trying to scam me out of money that I do not owe. I am trying to be fair and set up payments on the recent line of credit I took but I will not pay any money on the prior line of credit that I paid off on XX/XX/2022 that left them owing me XXXX cents wich they deposited back into my account on XX/XX/2022 because that was what was owed to me after payoff. So now they keep trying to take money out of my account wich I am not going to let happen until the issue with the last line of credit is resolved. I will start making payments on the draw that I received on XX/XX/XXXX when they fix my account and send me documentation showing me that I am only being charged on the line of credit that I received on XX/XX/XXXX. But all they do is give me the run around every time I call. Don't know what to XXXX recently tried taking almost XXXX dollars they are a tribal line of credit and if I can't get answers out of them I don't know who to turn to to get closure from this matter.
Product: Debt collection

some time on or about XX/XX/2019 XXXX XXXX XXXX gave a credit line XXXX and two it went up to XXXX, after get a bill for XXXX I agree to settle this account for XXXX XXXX XXXX XXXX accept the deal. and sold the account to company that i never did any business with. I send then XXXX.in XX/XX/XXXX XXXX with a Bal XXXX. a company call resurgent out XXXX SC send me an offer to resolve your account in one payment of XXXX XXXX.But I has already send XXXX but went I seen my XXXX credit report stated that this account is in collection by LVNV Funding for XXXX and put it on my credit report. that was not the deal. so I stop! there is a check on my desk now. ready to pay this XXXX XXXX, today but i want LVNV funding to remove this from my credit file. because i has I never sign my document with this company. i do not no any thing about them, I made the deal with XXXX XXXX XXXX  and not LVNV funding who purchase that debt. That XXXX XXXX XXXX have agree to accept.
Product: Mortgage

I have been working with  SPS fo r a loan modification. They placed a sale date on my account while in review which i thought was a violation of the  Homeonwer Bill of  Rights. Anyway, what they did is request a Verification  of Employment f or  XXXX   (  my husband  )  o n  XX/XX/XXXX    , 28 days prior to the sale date. He requested it the very same day but unfortunately because we work for the school district and it is summer time, no one is readily available to supply such a document immediately. They requested that we contact the  School Board  if it was an emergency in which we did but they advised it would take 7 days. We advised  SPS  of this but they were not willing to work with us. we are now going to lose our home for something we can not control. We have provided them with every single piece of information that they have asked us of to this day. Now they said unforunatley there is nothing they can do after begging that they allow us more time. By the way we did receive the  VOE and w e supplied it the day we received it but now they are telling us it is too late. I just cant believe this. Please help us save our home!!!! I beg!!
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXXXXXX 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/XXXX
Product: Credit card or prepaid card

Many fraudulent charges through XXXX into one of the cards of my American Express account. The total amount of Unresolved disputed charges exceeds {$900.00}, accumulated over several months. Upon my first detecting and reporting the case, in XX/XX/XXXX, AmEx issued credits although for less than the total amount reported. That card ( of 4 in the account ) was cancelled and replaced by a new one ( with a new number ) but many more fraudulent charges kept arriving at the new card from the same source, without AmEx doing absolutely nothing to protect the account, by blocking them or issuing warnings to us, despite the recent experience from the month before. So, we stopped using that card in XX/XX/XXXX. Since then AmEx kept doing nothing to resolve this situation, i.e. issuing the credits as requested. After half a dozen calls to try and resolve the situation, all unsuccessful, I closed the AmEx account in XX/XX/XXXX after paying all other charges up to that date. Since then, after several more calls to resolve the situation, AmEx still has not even opened a File with a Case Nr. to register this situation, per my last call on XX/XX/XXXX. I have received tree fax numbers -- ( XXXX ) XXXX, ( XXXX ) XXXX and ( XXXX ) XXXX -- to send documents, none of them work. Furthermore, AmEx doesn't provide addresses to send them the information by either email or postal service. Attached copies of the Statements containing all fraudulent charges credited ( checked ) and still open ( circled ).
Product: Credit card or prepaid card

XX/XX/XXXX received an email stating my credit card was declined for {$3.00} at XXXX XXXX XXXX and it was over the limit. Not sure the exact date that I saw the email but that is the date the email came so when I saw it I called Capital one letting them know I have not used the card since XX/XX/XXXX. I also stated these charges were not mine and I did not authorized them. Capital one informed me these charges will be taken care of. My statement also came in for XX/XX/XXXX my balance was {$67.00}. Prior to the statement my balance was {$120.00} and I made a XXXX payment. Once my statement came for XXXX some of the charges were deleted and other remained. I called Capital one on XX/XX/XXXX and I was told since I still have the credit card in my possession that they could not credit all the charges back. I explained I never authorized these charges or did I make these charges. The rep told me that she is sorry they could not credit the account back. I stated again even though I telling you I did not authorize these charges or did I make the charges. The rep stated again they can not credit my account back. I explain if you look at my transaction history prior you will see these are not charges and different from by transaction history. Rep still refused to help me. Told rep I would be calling the CFPB.
Product: Credit card or prepaid card

Dear Federal Trade Commission, I am writing to complain about the corrupt and chaotic management of Wells Fargo Bank, which has led to the bank charging me an unauthorized fee. 

In the past, Wells Fargo has repeatedly leaked my personal information, putting my credit card at risk of being stolen. To protect myself, I requested a new card. 

After receiving my new card, I attempted to make a payment using the same ACH card that had previously been successful. However, the payment failed. I called Wells Fargo, and they told me that it was my fault. 

On XX/XX/XXXX, I made another payment, again using the same ACH card. This time, the payment was successful. 

Despite the fact that I had made two successful payments, Wells Fargo then charged me a late payment fee of {$45.00} on XX/XX/2023. I strongly condemn this predatory behavior. 

I demand that Wells Fargo immediately refund this fee and apologize for their actions. 

I also hope that the authorities will investigate Wells Fargo 's chaotic management and looming bankruptcy. This bank is a danger to the public, and it must be held accountable for its actions. 

Sincerely, XXXX
Product: Debt collection

I have been recieving letters since last year regarding a debt from XXXXXXXX XXXX that was purchased in another state. I dont use XXXX  XXXX at all i have been using tmobile as my primary phone company for more than XXXX XXXX. I believe this was a scam.
Product: Money transfer, virtual currency, or money service

Dear PayPal Customer Support Team, I am writing to express my strong dissatisfaction with the permanent limitation placed on my PayPal account with the email address XXXX. I believe that this limitation has been placed by mistake, and I would like to submit a formal complaint to appeal this PayPal decision. I would like to emphasize that I have not violated any PayPal policies or engaged in any activities that warrant such a severe action. Therefore, I would like to kindly request PayPal to re-investigate my case thoroughly and restore my account if possible. As a long-standing PayPal user, I have always followed PayPal 's policies and procedures and have never faced any issues with my account. Therefore, I am confident that this limitation is a result of a mistake, and I urge you to re-evaluate the situation carefully. I understand the importance of maintaining the integrity of the PayPal platform and the need to take swift action against any policy violations. However, in my case, I have not committed any such violations, and I am confident that a re-investigation will prove my innocence. In light of the above, I respectfully request that you conduct a thorough investigation of my account and restore it as soon as possible. I hope that this issue can be resolved promptly and efficiently, and I look forward to a positive resolution of this matter. Thank you for your attention to this matter. Sincerely, [ XXXX XXXX ]
Product: Credit reporting, credit repair services, 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 XXXX 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
Product: Debt collection

I am being sent to debt collections for XXXX dollars. The rental company XXXX on XXXX claims I had moved in XXXX of 2023 and moved out in XXXX of 2023. I have never resided in their apartment complex, I have several unanswered emails that I had sent out before the so-called " move-in '' date that show I indeed kept telling them I wouldn't be moving in. I even spoke to them through phone calls and was told that it was okay. I never gave a deposit either to move in. All I ever did was apply and ended up not moving due to the fact my job had cut my hours and together I wouldn't be able to afford it since I am a XXXX XXXX I have been living with my mother for the past XXXX  years of my life. I get all and any federal government papers sent to where I've always resided which has been my mother 's. For them to place me under collections and claim I lived there is false and If I were I would never be called to be informed of my rent being late for XXXX if I lived there I never even received a key to any apartment. I will be including XXXX different emails showing how they kept wanting me to sign the lease and I never did, I also have included XXXX other emails where I emailed them telling them I wouldn't be moving in anymore with no response after that I had spoke to someone through the phone telling them this.
Product: Credit reporting or other personal consumer reports

I have attached NEW AND RECENT COPIES of my credit report from XXXX showing that DISCOVER is STILL reporting an active payment history until XX/XX/2023 for account ending in XXXX. DISCOVER HAS YET TO PROVIDE A CLOSURE DATE FOR THE ACCOUNT TO XXXX AS REQUESTED. XXXX stated that until they are provided a closure date, the account will not be removed until XXXX  years from XXXX. I have also attached a recent letter from DISCOVER regarding their previous investigations into the account, but XXXX of their representatives informed me on a recorded phone call that an investigation NEVER took place and that is why the account is still reporting active and not closed as requested. She also mentioned that even though I have provided documentation directly to them and through the CFPB, DISCOVER NEVER reviews the documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Student loan

XXXX/Nelnet purchased my loan from XXXX recently. Initially they sent 2 letters, one of which  incorrectly stated that they purchased my XXXX loan, which they did not. I set up my account and made my first payment which has been withdrawn from my account. Since then, they have never contacted me, however have called my parents dozens of times insisting that I am delinquent on payments. When I called XXXX to discuss the matter, they confirmed that they had called my parents and that my account was paid up to date. They offered no explanation and refused to discuss it any further. They informed me that my parents should no longer be receiving calls. Since then, the calls have not stopped and my parents have continued receiving calls that still insist I am late on payments.
Product: Credit reporting or other personal consumer reports

Identity Theft Victim 75-60. Title. This Article shall be known and may be cited as the " Identity Theft Protection Act ''. ( 2005-414, s. 1. ) Trans Union is Conducting Sham Investigations on My Credit file, rather than Properly Reviewing the Alleged Frivolous Disputes, I begged them to do, as required by Federal Law.

Additionally, I am complaining about the handling of my identity theft claim, and to bring to your attention the impermissible access of my credit report by XXXX XXXX XXXX, in direct violation of the Fair Credit Reporting Act ( FCRA ). I have discovered that the fraudulent account had been opened in my name without my knowledge or consent. However, there is no legal admissible evidence to verify the accuracy of what XXXX XXXX XXXX. I am requesting the fraudulent items are removed immediately : XXXX XXXX XXXX : # XXXX : Balance : {$1800.00} ; Opened Date : XX/XX/XXXX XXXX XXXX XXXX ; # XXXX  : Balance : {$750.00} : Opened Date :?? 
Inquiries : XXXX  : XX/XX/XXXX : XXXX XXXX XXXX : XX/XX/XXXX After discovering this unauthorized activity and receiving mail about these erroneous collections, I took steps to protect my credit files and identity to prevent more damages. I have communicated with furnishers via certified mail on several occasions. Despite this, I have continued to receive frivolous computerized statements without any legal proof of these derogatory marks. However, no legal proof of the marks has been provided or proven Under the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ), I am formally requesting the names and business addresses of each individual you contacted for verification purposes. The fraudulent information has impacted my credit report, causing considerable psychological stress.
Product: Credit reporting or other personal consumer reports

This marks my ninth endeavor to dispute the inquiries and erroneous personal data within my credit dossier, stemming from purported identity theft. Once more, I am forwarding identity theft reports numbered # XXXX and # XXXX. Pursuant to FCRA section 605B ( a ) ( 1 ) ( 2 ), you are mandated to expunge any entries in my record resulting from alleged identity theft within four business days of receipt, accompanied by ( 1 ) suitable evidence of consumer identity ; ( 2 ) an identity theft report. Enclosed are the details requiring removal : -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX -- -- -- -- -- EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX A XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX EQUIFAX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Please be advised that you have XXXX business days to expunge these inquiries from my credit file, stemming from alleged identity theft. I do not consent to XXXX or any automated verification method.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding complaint XXXX. You stated that according to your records, the disputed account does not appear on my current Experian credit report, but I will attach my current report showing the account XXXX XXXX XXXX XXXX XXXX that you are reporting as a paid collection when this account never went into collections. I submitted everything in XXXX and you guys updated the account from owing a balance to paid and closed. This account was never in collections and no other bureau is reporting this inaccurate information. I will attach my payment in XXXX. Your argument isn't that I'm incorrect, it's that the account isn't reporting which it is. Remove the collection status from this account and update to paid and closed, never late. If this is not update immediately, I will be pursuing small claims court due to sufficient evidence of negligence and inaccurate reporting. This is also affecting many credit opportunities for me because of false reporting so I can also sue for defamation of character.