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

*GLBA FTC SAFEGUARD NON-COMPLIANCE* I am submitting this complaint due to the companys non-compliance with the Gramm-Leach-Bliley Act ( GLBA ). Specifically, they have : Failed to provide the required privacy notices that disclose how they manage and share my personal information. 
Not offered an opt-out option for third-party data sharing, as required by the law. 
Neglected to establish proper safeguards to protect my personal and financial information under the GLBA Safeguards Rule. 
Raised concerns about their identity verification processes, which may violate pretexting protections. 
I demand that the company immediately stop sharing my personal information unlawfully and provide a full explanation of how my data has been handled, along with documentation proving their compliance with GLBA regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX Credit Bureaus have reported a charge off from XXXX XXXX  with inaccurate dates of last reporting and last date active : TRANSUNION XXXX last reported date XX/XX/XXXX XX/XX/XXXX date last active XX/XX/XXXX XX/XX/XXXX This is only to re date my report so the negative information can stay on longer. Please have them delete this account as this is a violation of 15 US CODE 1681. This is my 3rd attempt and last before I will have to go to small claims court.
Product: Debt collection

Original Creditor : XXXX XXXX for XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Amount Balance : {$7500.00} Assigned to National Credit Systems , Inc . 

After moving out of the XXXX XXXX  XXXX XXXX XXXX  I provided a forwarding address for any amounts that may due or other correspondences. I contacted the complex within XXXX days after moving since I never received a final bill that I was told would be mailed to my forwarding address, they would only verbally give a bill amount which was outrageous. I requested and I never received the mailed breakdown of why the charges were so high and what they were for. Waited about another month for a bill after again providing my address and received nothing. Called again for a copy of charges and was told to contact the agency it was assigned to, called the agency and was told to call the complex. Emailed the corporate office XXXX XXXX link via the company website requesting a copy of the charges to find out why they were so high and received no response. Charges then appeared on credit as a collection. I have disputed several times and have asked numerous times for proof of charges along with any pictures to show where and why they were so high. The last dispute was sent on XX/XX/XXXX and I have yet to receive a reply although it remains on my credit. All disputes end with a debt being validated with the collection agency showing proof they were assigned a debt although after numerous attempts I still have no idea what all the charges are for and have never been able to receive a copy of charges and only a never ending circle from the complex, to corporate, to the collection agency.
Product: Credit card or prepaid card

I recently discovered my XXXX credit card through Comenity Bank had been closed by the bank, without notice. As there was no balance, I was never late on payment, and there had been no failure to comply with terms on my part, I assume that they closed it because I had not used it in a year and a half. ( It should be noted that this same thing happened to me years ago, with Comenity Bank, and a Victoria 's SecreXXXX card I held, and that a year and a half is not an inordinately long time to go between purchases at a specific store. ) While the credit card agreement states that either party can close the account at any time, I believe this is a bad business practice, and that there should be changes to the legislature to prevent this from occurring. If they have an internal policy specifying an exact time frame for non-usage before cancellation, this should be required to be in the credit card agreement, so that consumers are aware when they sign up, and can meet that term to avoid closure of the account. That would be FAIR, because closure of accounts harms a consumer 's credit score. 

Credit cards are typically maintained by people to use when they need, and Comenity simply closes accounts of people who don't use them regularly enough for them to profit. Comenity should be required to make disclosures and include the time-frame of closure due to non-usage before they harm a person 's credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

cfpb not responding to my former queries ... .also all 5 of my former complaints have been erased... .deleted from this database?
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding Experian 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX ( CFPB Complaint XXXX XXXXXXXX ) and XX/XX/XXXX ( CFPB Complaint XXXX XXXXXXXX ), I disputed several fraudulent accounts and provided Experian with all necessary documents, including a valid identity theft affidavit ( FTC Report Numbers : XXXX, XXXX, XXXX, and XXXX ), proof of address, social, and a government-issued ID. However, Experian failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedents, such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPB 's XXXX bulletin underscores Experian 's failure to uphold consumer protections under the FCRA.
Product: Checking or savings account

Apparently someone got ahold of my information and used it to charge $ XXXX from my bank account to purchase cryptocurrency through XXXX. I notified my bank ( Cadence Bank ) about this the minute I saw it online. The transactions were still pending. They made my checking account a credit only account and opened me up a new account. They investigated and closed the investigation saying there would be no further action taken. They never would get me my money back. Im at a loss. The fraudulent transactions were taken place on XX/XX/XXXX. The bank called me a few days ago after I sent a complaint letter to them that they would keep it on file but no further action would be taken. They also refuse to let me have online banking again. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian verified a bankruptcy through a third party XXXX XXXX. Before, they would say " A company '' verified the public record. I now have proof they never verified because my XXXX XXXX file had a security Freeze since last year. This report is dated XX/XX/XXXX my XXXX XXXX file was frozen XX/XX/XXXX. In addition, the Bankruptcy court said they do not communicate with Credit Reporting Agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

" CREDIT INFO '' INQUIRE INFORMATION DATED XX/XX/2016 DOES NOT BELONG TO ME AT ALL
Product: Debt collection

I Logged Into XXXX XXXX To Check My Credit Score And Found An Account That I Personally Did Not Open Nor Know Anything About ... It Was Opened In XXXX of 2016 and now has gone to collections ... The limit was {$300.00} But The Amount Owed Now Is {$560.00} ... The Account Creditor I Believe Is XXXX XXXX XXXX XXXX XXXX XXXX   ... I Have Never Even Heard Of This Bank Before And I Am Not Aware Of This Account As I Know I Did Not Apply For Any Kind Of Credit In 2016 ... I Have Not Even Been Contacted Or Recieved Anything In The Mail About This Account Or That It Was Sent To Collections Or Anything Similar To These Actions ... Like I Said I Didnt Even Know Anything About This Until I Logged Into XXXX XXXX And Saw It On My Credit Score
Product: Debt collection

I have been receiving multiple calls per day from this company who incorrectly lists the account as an open account where they are the original creditor this is false and violates the fair credit reporting act. They said in my original complaint that they would provide written information which they have not. Furthermore they continue to harass me multiple times a day using multiple numbers on an autodialer after they claimed to have removed me from the call list.
Product: Credit reporting or other personal consumer reports

I received a letter from Citizens about an application for credit. I have never dealt with Citizens and did not make this request
Product: Vehicle loan or lease

I entered into an new lease arrangement w/ Mercedes Benz Financial via XXXX XXXX XXXX of XXXX XXXX ( XXXX ) NY. I returned my old lease and which should have been returned in XX/XX/XXXX. And, I had negotiated with the same salesman who I have dealt w/ in the past 5 leases. XXXX salesperson named XXXX had been calling and asking if I was willing to come in and look at the new leases as I already new that I was going to be entering into a new lease. I finally made contact w/ XXXX and went into the showroom in XXXX to start the process of finding a new lease, I settled for the same car but XXXX and the incentive for me was that they were going to payoff the remaining portion of the lease up to 3 months, and I will enter a new lease payment. Because it was the end of the summer, and after XXXX weekend I went into the showroom, gave my down payment, signed my credit application. But there was a hold up on my loan due to requirement needed from the MBZ financial to approve the loan, that was approved and I scheduled a pick up date for XX/XX/XXXX at the Service center. ( That was a horrible experience ). I got my call and new payment details. Then, started getting letters from MBZ financial that I owed return least payment and other payment owed. I called and spoke to some one stating that this should have been corrected because I recieved a new lease. Then, received a new bill in which they corrected it but still stated I owed {$680.00} on the final bill of the old least. I spoke to another person from MBZ finacial and I was on the line as she called XXXX to get this cleared up. I never recieved a followup phone call. Now, ON XX/XX/XXXX, I received another bill for {$680.00} and I called on XX/XX/XXXX and got in touch w/ Manager of MBZ financial named XXXX  , who call and stated that " spoke to XXXX from XXXX and they will not honor the commitment of 2 months payment owed on the car ''. She also said that it my responsibility and the contract is not w/ MBRVC but with you ''. Iimmediately called XXXX, saleperson handling my sales and I have not herd back from him either. MBZ finacial has added negative remarks on my credit report causing my credit report to drop 99 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that there is 100 % improper use of the credit report! Attached to the SSN! XXXX, EQUIFAX, AND XXXX HAVE 1000 % VIOLATED THE FCRA AND I AM HIGHLY XXXX ABOUT THIS! I looked over the credit report and there are some addresses that appear incorrect. Not only did I find addresses, BUT I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT, INCLUDING ACCOUNTS I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I have included documentation providing proof of my current address, social security card, passport, drivers license and insurance card. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY BEFORE A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED ON A CONSUMERS CREDIT REPORT. AND THE INFORMATION ON THE XXXX, EQUIFAX AND XXXX credit report is not accurate and ITS COMPLETE XXXX! Ive spoken to a lawyer and he tells me that I COULD EASILY take this to COURT and fine XXXX, EQUIFAX AND XXXX {$1000.00} per VIOLATION ( and there are MANY VIOLATIONS )! I DEMAND YOU, XXXX, EQUIFAX AND XXXX TO REMOVE ALL THESE FRAUDULENT, INACCURATE ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT TAKEN OFF OF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS LEFT ON THE CREDIT REPORT. 
IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS, THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUIT LIST : XXXX, EQUIFAX, XXXX 15 USC 1681 SECTION 602 A states I have a Right to Privacy!

15 usc 1681 SECTION 604 A SECTION 2 also states a Consumer Reporting Agency Can not Furnish an Account WITHOUT My Written Instructions!!! 
DELETE THESE ACCOUNTS IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!! 

TO MAKE THE DELETION PROCESS EASIER, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP AND FRAUDULENT REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP : ACCT NAME XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, EQUIFAX, XXXX XXXX XXXX XXXX XXXX, EQUIFAX, XXXX XXXX XXXX XXXX, EQUIFAX, XXXX XXXX XXXX XXXX XXXX XXXX, EQUIFAX, XXXX XXXX XXXX XXXX XXXX, EQUIFAX, XXXX XXXX XXXX XXXX XXXX, EQUIFAX, XXXX Unauthorized Inquiries : XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX via XXXX Inquiry Date : XX/XX/XXXX XXXX via XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Mortgage

When I closed on my mortgage, I had the flood and home owners insurance set up to be paid out of my escrow account and paid accordingly so there would be enough to cover these expenses. My loan was sold to another servicer ( Loan Care ) and they did not pay the insurances when they came due. I sent 2 emails to them getting a computer generated response stating within 5 days somebody would contact me, it did NOT happen either time. I spent nearly an hour talking from person to person trying to get this resolved and finally got hung up on. My insurance agent and I called again, this time we faxed them the necessary paper work proving the insurance was to be paid by the mortgager. Flood insurance was due so I had to pay it out of my pocket, even though there was in excess of {$1000.00} in my escrow account, they still have not paid the homeowners insurance and Iam not sure if I will ever get reimbursed from the money I had to spend, they said they would look into it, but I have not heard from them since. I need some help dealing with these people, I have the XXXX pages of original closing documents I faxed to them and copies of all the emails. Now Iam worried I will have to come up with more money to pay the homeowners ins. it is due to expire soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this items are being reported correctly? Who verified these accounts? 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 DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. Since you claim youve verified the accounts 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 ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please delete this accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has reported 4 late payment on my account in XX/XX/2016 and I never had a late payment with company this information is being reported wrong on my credit report file
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX a XXXX account number XXXX XXXX XXXX bank had been re-inserted onto my credit as a negative item. XXXX is required to notify me within XXXX days of re-inserting a previously updated item. I did not receive any such notification. I am asking that this item please be updated immediately on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020, i sent dispute documents to XXXX  and Equifax regarding the inaccurate items they are reporting on my credit report and damaging my creditability in obtaining things.I haven't heard from them as of yet nor has they gave me the things that i requested.i would like for you to check into this matter please.
Product: Student loan

I am enrolled in the Public Service Loan Forgive was program now under REPAYE. My payment count has been adjusted - some loans same 84 payments- others 70s or lower. All were repaid at the same time and the counts should be equal. I have asked many times for a recount and after 1.5 years- it still isnt done. Second- there was an error on their end when resubmitting my IDR application on their end which they did acknowledge. This mistake though cost over 10K of interest being capitalized. They were supposed to fix that and still have yet to do that. 

Would be so grateful for any assistance with this matter.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPAs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with Federal law and provides consumers with the necessary proof of investigation. These are the accounts listed : Attorney General Child Support account # XXXX, Attorney General Child Support account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries below are not mines and were deleted last year. They have been posted after being disputed and removed. 

XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX All Banks Contact the inquirer : MAIL ONLY XXXX Inquiry : XX/XX/XXXX Credit Unions ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX  XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions ( XXXX ) XXXX EQUIFAX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX  Inquiry : XX/XX/XXXX Credit Unions ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX FINAN Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. 
( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions ( XXXX ) XXXX XXXX   XXXX  Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Personal Loans Cos. 
( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXXAuto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX   XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX The account below was deleted and was reposted after disputing. 

XXXX XXXX XXXX Reported : XX/XX/XXXX {$4100.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution procer was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 15 financial loss, and I seek appropriate redress for these violations.