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

I am writing to file a formal complaint against TD AUTO FIN 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-Blley Act ( GLBA ) to opt out of such information sharing. and I believe my privacy rights have been violated On XX/XX/year>, I notified TD AUTO FIN that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, 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 TD AUTO FIN has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 
This unauthorized 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 unauthorized 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 TD AUTO FIN complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers XXXX me. 
Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed byTD AUTO FIN. 
Please feel free to contact me 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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have sent Equifax XXXX separate letters regarding a collection account that is on my credit report. The collection agency has sent me a letter stating that the balance is {$0.00}. Equifax has a responsibility to the consumer to maintain accuracy and they have failed to do so. I 'm simply asking Equifax to remove this collection for it 's inaccuracies. Pursuant to the FCRA if there are any inaccurate holes with a collection agency 's reporting then the account has to be deleted. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. 2021, and XX/XX/2021 I filed a Federal trade Commission Identity thief report along with a XXXX XXXX XXXX Police Report for Identity thief. 

I then disputed several account on my credit report with the following bureaus XXXX, EQUIFAX, AND XXXX... In accordance with the fair credit reporting act. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have violated my rights... 

In accordance with the fair credit reporting act section 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 2 : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 166B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN CONSUMER CREDIT PLAN LATE FOR ANY REASON
Product: Debt collection

I filed a dispute with this finance company and they failed to notify the credit bureaus within the timeframe allowed according to the FCRA 623 ( a ) ( 3 ) which I also provided them with proof. They simply refuse to acknowledge the fact that they have clearly violated federal law.
Product: Student loan

My current loan provider is Ed Financial. I consolidated my federal loans with them in XXXX XXXX. I have been paying my loans back on a graduated repayment schedule since XXXX XXXX. The payments increase every 2 years on this repayment plan. I had been on the year 8 ( payments XXXX ) repayment category when I went out on maternity leave in XXXX XXXX. I did n't make payments for XXXX XXXX and XXXX XXXX ( after discussing this with my loan provider ). At that point I had " paid ahead '' and did n't have payments due for 3 months. When I returned to making payments in XXXX XXXX, they returned to listing my graduated repayment " amount due '' in the year 1-2 ( payments 1-24 ) category. But I am paying at the year 8 category ( payments XXXX ) as I had been. Since I am paying more than what is " due '' per this reset calculation, they are listing my next payment due date as XXXX XXXX. I have asked that they place me into the appropriate payment tier for repayment, so that my payments will increase every 2 years on a graduated schedule. I was told that my payments will not increase every two years ( unless I remember to change my payment every 2 years ) since I am now considered to be " paying ahead ''. They told me that they just ca n't increase my monthly payment every 2 years and that this would " cause more problems and hurt more people that it would help ''. I explained that I wanted them to provide me with an accurate payoff date based on the amount I am currently paying, with an increase every 2 years. I told them that my goal is to pay off my student loans faster. They told me what I am asking them to do is " hypothetical '' and they do n't understand why I would want them to do this. They offered to give me a monthly payment of around XXXX dollars for the next XXXX payments. I told them that again, my goal was to shorten my repayment term, not lengthen it. And I pointed out that if I only paid XXXX dollars for the next XXXX payments, this would lengthen the repayment, not shorten it. After spending 2 hours on the phone, with XXXX different people at EdFinancial, I was left with being told to find my own amortization schedule online by googling it so see how I could pay my loan off faster and estimate the maturation date of the loan. They also failed to provide me with an accurate maturation date for the loan. They continue to provide me with a maturation date based on the payment tier they are listing me in ( years 0-2 ) instead of where I am currently paying and would be projected to increase every 2 years. I expressed my frustration and concern to EdFinancial and even requested to speak to a supervisor, who was actually the one who told me to look up an amortization schedule online myself. I explained to them that I have another student loan provider who provides me with payoff information in real time based on my current payment. Again, I was informed they could not provide me with this information.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 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 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 reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX  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 paymen t 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 1637 ( 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 or other personal consumer reports

My account with XXXX, XXXX XXXX & XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 XXXX XXXX. 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 60 days to be removed. They are not in compliance with the following law. XXXX USC XXXX 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! XXXX USC XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX XXXX 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 XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items:XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AR XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

Credit card companies should be officially REQUIRED to show upfront what your " Minimum Payment to Avoid Interest Charges '' is on each month 's statement for your credit card bill, as well as on their online payment page, and not just in small print on the last page of your statement. It should be easy and obvious to see what that payment amount is, and you should not have to try to calculate that amount yourself. // The problem is that when you take advantage of those frequent credit card " balance transfer '' offers, some of the offers have required monthly minimum payments, and some of the offers do not. So if you take advantage of a credit card balance transfer offer, your required " Minimum Payment to Avoid Interest Charges '' may be different from your " Minimum Payment to Avoid a Late Fee, '' as well as different from your " Total Purchases on This Statement. '' // In my case, Commenity Bank only shows my minimum required payment on my " 0 % Balance Transfer Offer '' on the middle or last page of each statement, and only in small print in a column listed as " Details of Your Plans : Plan Minimum. '' Which means that I can only figure out what to pay to avoid an interest charge on my statement as a result of my " 0 % Offer '' by adding all of my purchases for that statement AND my balance transfer offer " Plan Minimum, '' which is not the same as what is listed as my " Statement Balance '' or my " Minimum Payment Due. '' // The funny thing is that on my last statement they changed my " Plan Minimum '' to Zero for that statement ( accidentally, I think ), but then charged me a small interest charge even though I paid more than the total of all of my purchases for that statement. I believe they will correct my charge, since the error was theirs, but it irked me that I should even have to the perform the calculation myself. // Since the company already knows for each of your statements what your " Minimum Payment to Avoid Interest Charges '' is, they should be required to provide it to you very clearly on both your written statement front page, in the same location as " Minimum Payment Due, '' and on their online payment page. I had thought that that was part of the most recent laws governing the credit card companies, but a representative at Commenity just told me that that was not the case. I would also appreciate knowing how to get this included in the laws governing the credit card companies, as I believe that this would help all consumers.
Product: Credit card or prepaid card

I applied for a Discover Card and got approved on XX/XX/XXXX. I got approved for {$1500.00}. So I received my card I was using it everything was fine until up until XXXX XXXX, XXXX when they decided to close my account due an ID Verification issue they said it was because of a duplicate social security. On XX/XX/XXXX. XXXX they sent me an email asking for that I sign over the IRS Consent Form 4506-C to them in which I did. I went on the website sent it over to them. 

Then a couple days later on XX/XX/XXXX Discover Corporate Security sends me a letter saying the closed my account. 
I called Discover to get reopened they said they cant and then gave me an excuse of a duplicate social security. They said I had to write to Discover Protection Services based out in XXXX XXXX. 
Name Social letter describing what issues Im having its like dont you know what going on of course they do. They just dont care about ruining peoples credit who are the bottom.
Product: Credit reporting or other personal consumer reports

Continue to report an accurate and unverified information on my consumer report. Further damaging my report and character, Making it hard to establish new Credit, Employment opportunities, and new home. This invalid information has caused me emotional distress and has made things difficult
Product: Credit reporting

Complaint Description : I was told that once they received a documentation that an account that was not mine was to be deleted, they would remove it. This did not happen. On XXXX XXXX I notified that a collection from XXXX XXXX was on my credit report. The apartment information listed shows the wrong apartment number as well as the wrong number of lessees. I was told that a dispute could have a turn around of 90 days with each party having 30 days to contest or prove information listed. The agent from the collection, XXXX XXXX agreed to have the collection removed from my report with 30 - 45 days if paid in full. I received the deletion letter shortly afterward ; however the complex I found agreed to hold the place but for just 2 weeks and it is imperative that we move by XXXX XXXX. When I called Equifax to see if the process could be expedited, they stated I would have to dispute it and once it was confirmed that it is to be deleted they would take it off. I was told that the dispute was sent XX/XX/2016. The confirmation number is XXXX. I received a copy of the correspondence from the collection agency showing that the deletion request had been sent to XXXX, XXXX, and Equifax on XXXX XXXX. This collection was received by reported to be received by both XXXX and XXXX on the XXXX. Equifax stated they had not received it. I contacted the collection agency and it was confirmed by XXXX XXXX, the Director, Phone number XXXX, that they had responded to the dispute. Both XXXX and XXXX have removed the account ; however Equifax continues to state they did not received anything ; even though I have a copy of the correspondence sent to them. Today, XXXX/XXXX/2016, after speaking to an Equifax manager, XXXX, she was stated that she did not oversee that the department that oversees these disputes even though the department I contacted was the dispute department. She then stated there was no way she could find out if it had been received. When I requested the contact information for the department who could answer the question, she initially stated that she did not access to that information. After requesting that she not belittle my intelligence and as a manager I am sure she has access to every number there, her statement was revised to her not being able to provide that information to consumers. She disregarded the fact, I received notification of the deletion being sent and was very unhelpful. This is a time sensitive matter in which they are not honoring their own policies.
Product: Credit reporting or other personal consumer reports

Experian Account # XXXX XXXX XXXX  XXXX Balance {$530.00} This account status has been changed multiple times, each time the information is erroneous and incorrect. After Experian has reported the account incorrectly for nearly 5 years, now that I disputed the erroneous information, instead of them removing the account in its entirety once this error is brought to their attention, they changed the account status to more erroneous and incorrect information by now stating that this is a charged off account updated for XX/XX/XXXX, after stating something different since XXXX. It was incorrect then and its incorrect now. I want this account REMOVED IMMEDIATELY before I am forced to seek legal counsel and request punitive and financial recovery for the damages that they have caused me over the years by providing misinformation to creditors. 

Credit bureaus have the obligation to report information correctly, they dont get to report the information incorrectly for years and then attempt to correct their mistake and report additional wrong information. THE ONLY resolve is to remove the account IMMEDIATELY! 

Once again using stall tactics they are blocking me from reporting online, now I must call in with a super lengthy wait time to dispute over the phone. This is just in hope that I will get tired of holding and get discouraged and hang up. They are charging my cc for online credit reporting services, they have sent me an additional authentication code to my cell phone to log in, so they know its me in the account. 

Same as above for this account : This account status has been changed multiple times, each time the information is erroneous and incorrect. 

Account info XXXX XXXX  Account number : XXXX ONLY RESOLVE IS TO REMOVE THIS ACCOUNT IN ITS ENTIRETY
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A  ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below.  Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX  ) XXXX,