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

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ virginia, XXXX, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] [ XXXX XXXX XXXX ] [ XXXX naturally fresh XXXX XXXX XXXX ] Subject : Dispute of Unauthorized Disclosure of Personal Financial Information Pursuant to 15 U.S.C. 6802Dear [ XXXX XXXX XXXX ], I am writing to formally dispute the unauthorized disclosure and/or misuse of my personal financial information by your institution, which I believe constitutes a violation of 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act ( GLBA ). Under this statute, financial institutions are prohibited from disclosing nonpublic personal information ( NPI ) about consumers to third parties without their explicit consent, except as permitted by law.It has come to my attention that [ describe the incidente.g., my financial information was disclosed to a third party without my consent or there was a breach in the safeguards protecting my personal data ]. This action appears to be a direct violation of the provisions set forth in 15 U.S.C. 6802, which mandates that financial institutions implement appropriate measures to protect the confidentiality and security of consumers nonpublic personal information and restrict the sharing of such information without the consumers express authorization.In light of the aforementioned violation, I respectfully demand the following : 1. A full and complete explanation regarding the circumstances under which my nonpublic personal information was disclosed or shared without my express consent. 2.

A copy of any documentation related to your institutions practices concerning the collection, disclosure, and safeguarding of personal financial information, in compliance with 15 U.S.C. 6802. 3. Immediate action to remedy this violation, including but not limited to the removal of my personal information from any unauthorized third parties, and a confirmation that no further disclosures will occur without my written consent. 4. A written assurance that your institution has implemented corrective measures to ensure compliance with the privacy protections outlined in the Gramm-Leach-Bliley Act.Please be advised that, under the GLBA, I am entitled to the protection of my personal financial information and to receive clear documentation regarding how my data has been handled. Therefore, I request that you respond to this dispute no later than [ Insert a reasonable time frame, e.g., 30 days ] from the date of this letter. Failure to adequately address this dispute within the specified timeframe will compel me to consider further legal actions, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or pursuing any other appropriate legal remedies available under the law.This letter serves as an official notice of my dispute, and I expect a prompt and detailed response to the matters outlined herein. Should you require further information or clarification from me, kindly advise me in writing. 

Sincerely, [ XXXX XXXX ] XXXX
Product: Checking or savings account

Hello, the XXXX Bank company froze my funds and they haven't given me any kind of response about what happened, they also don't have assistance, only by chat and they tell me that they will contact me and it never happens like that. I've been waiting for weeks and still nothing happens.
Product: Credit card or prepaid card

XX/XX/2022 I went online and purchased a printer and an all-in-one computer from the XXXX XXXX. When I purchased the computer and printer I was told I would be able to track my packages from the time of shipping to the time of delivery. On XX/XX/2022 I received tracking information for Printer XXXX # XXXX and the computer XXXX  # XXXX. I was able to track printer all the way until delivery, but when it came to computer I could not track it after XX/XX/XXXX. The only tracking info I was given it was loaded on trailer XXXX XXXX at XXXX XXXX. and would be delivered XX/XX/XXXX by days end. On XX/XX/XXXX I received Printer but did not receive computer with my printer like the XXXX supervisor said I would and XXXX sales rep said I would and the chat line said I would. I put in dispute on XX/XX/XXXX about the fact I could not track my computer like I was guaranteed by XXXX when I ordered it and no one at XXXX or XXXX could tell me where my package was from XX/XX/XXXX to XX/XX/XXXX. I felt the computer was compromised and did not want it and on XX/XX/XXXX I put in dispute with PayPal Credit which is Synchrony Bank about the fact that I could not track my package and someone changed my dispute reason to not delivered and I did not say that. They would not change the reason for the dispute they would route me to XXXX  or they would hang up on me. They were not trying to resolve my issue that I was having with my dispute and one of their agents on XX/XX/XXXX advised me they put my money back into my account but would not give me proof in anyway when I asked for it and today on XX/XX/XXXX I went to my PayPal Credit account and they have charged me for the Printer and the computer again {$1300.00} when I had already shipped the computer back on XX/XX/XXXX. When I contacted them today, I was hung up on by one representative and the other representative at XXXX  advised me they do not handle financial transaction and the woman that did that should have known that. When I called back to get in touch with someone at Synchrony Bank about this problem their automative system did not recognize my contact information like my 4 digit account number or phone number. I am given to believe someone is going into my personal account and committing fraud by changing the reason for my dispute and taking money out unauthorized money out of my account without my permission. When I called back to find out what is going on I am given the run around. My concern is that someone is able to go into my account and change information without my permission and PayPal Credit Synchrony Bank are not trying to help me resolve this issue. Original reason for the dispute was I did not want to pay restocking fees for a computer I felt may have been compromised because I could not track it for 5 days and no one could tell me where it was located, not XXXX or XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX has went bankrupt and on XX/XX/year> they sold the debt to Jefferson Capital LLC, I was not notified. The debt had accumulated a lot of extra interest charges also.
Product: Debt collection

I have been receiving multiple phone calls, letters, and threatens of legal action from midland credit management which is not mine. I originally tried to contact them to let them know it is not mine and to ask them to stop. I verified it was not mine by looking at debt owed on my credit score. When i did that they began to call more frequently and send more letters. The letters they send seem very sketchy as they dont include the whole account number. I feel that they are harrassing me. 

They say I owe XXXX dollars through XXXX XXXX I do not have a XXXX XXXX account. As of XXXX they are saying they will pass my info onto an attorney
Product: Student loan

I have been using Navient for my biggest student loan payment some they bought mine from XXXX, over the course of 2 and have years as, I have pleaded for a reduced payment to lighten the burden of my payments Navient on several occasions declined lowering my payments. And did. It offer income driven, and they encouraged a military forbearance due to my XXXX status. And due to financial strain with no other offers I was encouraged to use this option becaus. I thing else was offered and it was pay or forebareance.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedyXXXX XXXX XXXX  XXXX and XXXX XXXXXXXX
Product: Mortgage

Just a follow up concerning the previous case above. 
The seller gave only this week to close ( next Friday ) and Wells fargo employees are still requesting the same documents and waste time to miss the settlement. 
Here is ours conversations with the realtor who believed that everything was normal with Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of fraud these accounts are not mine I have sent this information in the credit agencies and nothing has change. 

15 U.S.C 1681 section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It Also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692 B Chapter 4 Communicated by postcard.

15 U.S.C 1692 B Chapter 5 Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

15 U.S.C 1692 C Without the consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I am a victim of a fraud ring involving multiple transactions -- all Cash Advances. In 15 years of being Bank of America customer, I have never taken out a cash advance. I submitted the transactions as Fraud and one claim has been paid. The other follow a similar pattern -- initially the transactions are removed, then after a few weeks the claim is denied and the transactions are placed back on the account. A letter is sent stating the " chip was read '' or " statements were sent to your address ''. When I ask for the evidence used to arrive at the decision, nothing ( literally nothing ) is sent to me. Once the transactions are back on the account, it's an endless loop of denials and reopening -- meanwhile I'm stuck making payments for fraudulent purchases. I have sent in all items requested, including a police report. Bank of America has not conducted a reasonable investigation of my dispute and therefore is in violation of FCRA. Bank of America is also violating the terms of its own Credit Card agreement : Unbeknownst to me until this fraud occurred, the cash advance limit is {$4800.00}. The Fraudsters have been able to charge almost {$15000.00} in cash advances.
Product: Debt collection

The company flagship credit hired a man that claims to be a criminal investigator. He has threaten to put a warrant out for my arrest as well as threaten that I have a class XXXX felony against me. He will not give me his name but continues to ask me to contact the comoany. This is against fdcpa. I have already notified flagship about the owner of the vehicle due to me being the cosigner. They still contact me over 15 times a day as well as other family members and harass me. I am going to seek legal action because this have put me and my family in a horrible situation. I have a 3 month old son that I take care of. I do not work and I asked them several times to stop contacting me.
Product: Credit reporting or other personal consumer reports

In my initial compliant I stated that there was an improper use of report, here are the additional laws governing why I have asked for deletion. 

15 USC 1681 ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 6802 Notice of requirements Notice requirements ( A ) 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 ; ( 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 XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXXXXXX XXXX # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX # XXXX XXXX # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX # XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I have sent letters to LVNV telling them I did not recognize the account and asking them to verify the account or delete it off my credit report. I have already filed an FTC report for identity theft. This information is injuring me and is not accurate or verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report, as is my right under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. This statute mandates that consumer reporting agencies conduct a reasonable reinvestigation of disputed items within 30 days.

Recent legal actions have highlighted significant concerns regarding Experians compliance with these obligations. On XX/XX/year>, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian, alleging that the company failed to properly investigate consumer complaints and did not ensure the accuracy and completeness of information in consumer credit reports. 

Specifically, the CFPB contends that Experian engaged in inadequate investigations, thereby violating consumer protection laws by not fulfilling its duties under the FCRA. 

According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate or unverifiable must be promptly corrected or deleted.

I hereby request that Experian : 1. Conduct a comprehensive reinvestigation of the following disputed accounts or items : [ list the specific accounts or items ].

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and in full compliance with legal standards. Enclosed are copies of my identification and relevant supporting documents to facilitate your investigation.

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue all necessary legal action to protect my rights.

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I've never been informed of this debt. While I was checking my credit today it showed me I had this collections account and it killed my credit score. I just returned to the united states in XX/XX/XXXX and have been gone since XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning in XXXX, I have submitted multiple disputes to all three credit bureaus in regards to incorrect information being reported on my credit report. Equifax, XXXX, and XXXX continue to violate my rights under the FCRA. The following accounts contain erroneous, unfair information that is damaging my credit. 

XXXX : Account type is incorrect across all XXXX bureaus, Date opened is different across all bureaus, Last reported date is different across all three bureaus, Last reported date is different across all bureaus, etc. ( copy of credit report with errors circled enclosed ) 15 U.S.C. 1681 section 602 ( a ) states i have a right to privacy and 15 U.S.C. 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my expressed written consent XXXX : Dates, account number, high credit, and payment history is incorrect/inaccurate. ( copy of credit report showing inaccuracies enclosed ) 15 U.S.C. 1681 section 602 ( a ) states i have a right to privacy and 15 U.S.C. 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my expressed written consent XXXX XXXX : Inaccurate information being reported across all three bureaus. ( copy of credit report showing incorrect information enclosed ) 15 U.S.C. 1681 section 602 ( a ) states i have a right to privacy and 15 U.S.C. 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my expressed written consent XXXX XXXXXXXX XXXX Dismissed : Courts do not report nor verify information to credit bureaus. This information was obtained and sold to the credit bureaus without my consent and is a violation of both 15 U.S.C. 1681 section 602 ( a ) states i have a right to privacy and 15 U.S.C. 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my expressed written consent. 

Furthermore the XXXX was dismissed without adjudication and in the eyes of the law, anything that has been dismissed is no longer valid or deemed to exist and therefore should not be on my credit report. This is a direct violation of the FCRA. The negative erroneous information being reported is effecting my ability to acquire housing and employment. The credit bureaus have refused on multiple occasions to remove this incorrect information claiming to have verified the accounts. how are these accounts being verified when all of the information is inaccurate. According to the FCRA, I have the right to a 100 % accurate and fair credit report. 
As I have included a copy of my credit report with inaccuracies already circled, I demand that these items be deleted immediately or I will be seeking litigation against XXXX, XXXX, and Equifax for violating the FCRA laws.
Product: Checking or savings account

On XX/XX/XXXX I signed up with a SunTrust checking account offering XXXX dollars if you deposited XXXX in the first 60 days, Do Direct Deposit, 10 purchases with your check card. <P/>I met all those requirements and was later denied, due to a family member in the same household having an account with them. Nowhere in the terms and conditions do I see anything about that.