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 15 USC 6802.

- Per 15 USC 6803, [ Financial Institution 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. 

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

3. *

*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. 

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

6. **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. 

8. **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: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 4 separate fraudulent accounts appea on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a 3 personal credit account opened at XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number ( private ), an Installment Loan account opened at Self Financial INC /Lead Bank XXXX XX/XX/XXXX under the account number ( private ), and a credit card account opened at XXXX  XXXX XX/XX/XXXX under the account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

One main financial bank was requested by be to remove things off my credit report since I in accurate I asked for the original document with my signature and have not received and it has yet to be removed causing issues of decrease in my credit report after they charged off
Product: Checking or savings account

I had already had an issue with this bank and as a result they closed all my accounts and said they will no longer do business with me. They have closed all my accounts and i have only received two check for my accounts that were close mind you the amount for both of those checks combined was about XXXX dollars. The main account that had the issue, the balance was over XXXX XXXX dollars. I keep trying to get an update about the investigation and they have no update on when it will close or when i will receive my funds. The investigation has to be done because they have closed all my accounts including the account with the main issue. I need my funds immediately because this is just getting ridiculous.
Product: Debt collection

I contacted this company and asked what this debt was for - it 's apparently from around 2002, and in addition to harassing phone calls to both myself and my husband, they gave out my full social security # over the phone, before even confirming who I was. I have asked them to send correspondence to me to show this debt, and they have refused.
Product: Student loan

My student loan is currently with Navient and I have field 2 previous complaints for past dues fees when I was making my payments on time. This month I finally get a statement with no past due charges but my monthly payment when my {$390.00} to {$410.00} with no explanation as to why. This company is dishonest but I also believe these complaints will resolve nothing since you close them out based on the answer you get from Navient. This company has multiple lawsuits filed against but they are allowed to manages student loans and O would like an answer from you as to why.
Product: Debt collection

I have been receiving multiple phone calls from XXXX. On the phone call, the representative stated that I had a debit with a company that I do not receive services from. The person begins to continue on to say that I have this amount of money oh and that he can take a payment today at that point I hung up the phone. I have received multiple phone calls on a daily. The phone numbers are XXXX, XXXX, XXXX, XXXX
Product: Debt collection

I have been disputing this account for some time now with CREDIT MANAGEMENT. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX XXXX  XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Debt collection

XXXX a burglar alarm company said that they installed equipment in my house that I never had installed and never have use them for a burglar alarm system
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the unfortunate situation I have experienced with the solar installation project financed XXXX. My name is XXXX XXXX, and I am an individual who fell victim to a solar scam in XX/XX/2023. 
The incident involved XXXX companies, namely the door-to-door seller, who falsely claimed to be affiliated with DWP, the solar XXXX ( XXXX XXXX XXXX ), and the loan company ( XXXX ). After signing the documents with the salesperson, the solar XXXX installed panels on my roof. However, I later discovered that the XXXX had gone out of business, and the panels were not permitted nor functional, as the necessary permits had never been applied for. 
The salesperson, who turned out to be the main perpetrator of the scam, had no actual office location, making it impossible for me to locate them. I promptly contacted XXXX, requesting the removal of the non-functional panels from my property and the cancellation of my loan. Unfortunately, there was no response, leading me to close my bank account shared with XXXX and lock my credit. 
Despite my attempts to complain to various entities, including the Department XXXX XXXX XXXX and XXXX ( XXXX ), it took more than XXXX months for XXXX to respond. When they finally did, they suggested another XXXX to complete the installation, but this XXXX was unreachable and unresponsive. 
During this period, I refrained from making payments to XXXX due to the lack of cooperation and trust. After another complaint to XXXX, I requested permission to bring in my XXXX, as the one suggested by XXXX was non-responsive even after months. Only after XXXX started cooperating did I resume payments. However, despite explaining the circumstances multiple times, a one-time late payment was reported on my credit, significantly impacting my credit history. 
I acknowledge my commitment to making regular payments since XXXX began cooperating, and I currently do not owe any outstanding payments. However, the negative impact on my credit history caused by the one late payment report remains a significant concern. 
I kindly request that you investigate this matter promptly and request XXXX to remove the negative impact on my credit history. I believe that considering the circumstances and the XXXX months it took to finalize the solar panel installation, it is only fair to rectify this issue. 
Thank you for your attention to this matter.
Product: Debt collection

I have reached out to the company on several occasions advising them I was a victim of a crime and provided the company with the Attorney General Office- Bureau of Victim COmpensation for ref : Bureau of Victim COmpensation XXXX , XXXX XXXX XXXXXXXX , FL XXXX Victim : XXXX XXXX XXXX ( self ) BVC Analyst : XXXX XXXX Claim number : XXXX XXXX Crime Date : XX/XX/XXXX this company has yet to remove this report from my credit file. my most recent attempt in XX/XX/XXXX for them to remove the inaccuracy has been ignored
Product: Credit reporting or other personal consumer reports

I am writing this to address serious concerns regarding the unauthorized furnishing of my personal information without my consent, as well as the violation of communication restrictions under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Upon reviewing a copy of my consumer report, it has become evident that your company, as a consumer reporting agency, and the alleged " creditor '' have unlawfully provided my information without my written consent, as required by 15 USC 1681B of the FCRA. It is crucial to emphasize that I do not consent to the unauthorized furnishing of any of my information by any means, pursuant to my rights under the FCRA.

Furthermore, as per the provisions of 15 USC 1692a ( 2 ) of the FDCPA, it is clear that the transmission of information regarding a debt, directly or indirectly, through any medium constitutes a " Communication. '' The term " any medium '' encompasses various forms of communication, including oral, written, electronic, and more. Thus, the furnishing of my consumer report, which contains information regarding the alleged debt, would fall under the definition of " Communication '' under the FDCPA.

In accordance with my rights under 15 USC 1692c ( c ) of the FDCPA, I am hereby providing you with formal notice to immediately cease any further communication concerning these accounts. This includes, but is not limited to, telephone calls, emails, social media interactions, or any contact made through a Consumer Reporting Agency.

Please be advised that any further contact or communication from your agent or company, except for a communication acknowledging receipt of this letter, will be considered a violation of the FDCPA. Please take this notice seriously, as I intend to enforce my rights under the law.

By disregarding this cease and desist notice, you leave me with no choice but to initiate legal action against your company. Any ensuing legal action will seek the appropriate remedies and potential damages available under the FCRA and the FDCPA.

I kindly request your prompt attention to this matter, and I trust that you will comply with this cease and desist notice without the need for further legal intervention. Please acknowledge receipt of this letter in writing to confirm your understanding and commitment to comply with the provided instructions. Accounts listed below : XXXX XXXX ACCOUNT # : XXXX XXXX XXXX ACCOUNT # : XXXX XXXXXXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX HAS ALSO VIOLATED THE BILLING ERROR PRACTICE ACT IN PURSUANT TO 15 USC 1666 THEY NEVER GAVE ME THE RIGHT TO OPT OUT AND ARE NOT REPORTING ACCURATELY.
Product: Credit reporting, credit repair services, 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 1681XXXX 
Account Name : XXXX XXXX XXXX. Account Number : XXXX Account Name : XXXX  XXXX  XXXX XXXX. Account Number XXXX Account Name : XXXX XXXX. Account XXXX XXXX Account Name : XXXX  XXXX XXXX XXXX. Account Number XXXX Account Name : XXXX XXXX XXXX. Account 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 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, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Information Reported by XXXX XXXX XXXXXXXX on Credit Report Dear CFPB, I am writing to formally dispute the reporting of inaccurate information on my credit report concerning the account referenced below : Account Number : XXXX Creditor Name XXXX XXXX XXXX XXXXXXXX Account Type : Revolving ( Credit Card ) Upon reviewing my credit report, I identified the following discrepancies that I believe violate the Fair Credit Reporting Act ( FCRA ) standards for accuracy and fairness : Account Status Misrepresentation : The account is marked as " CHARGE_OFF '' while simultaneously indicating that the account was " Closed at Consumer 's Request. '' These XXXX statuses conflict and create confusion about the nature of the account closure. 
Dates of Activity Omission : The " Date of Last Activity '' field is blank. This is crucial information that must be accurately reflected to determine the timeline of delinquency and reporting.

High Credit Information Missing : The " High Credit '' field is incomplete, which obscures the accurate reporting of account performance. 
Available Credit Inconsistency : The report lists " Available Credit '' as {$3600.00}, which seems inaccurate given the account is charged off and closed. 
This inaccurate reporting violates my rights under the FCRA, which requires furnishers and credit reporting agencies to ensure that all reported information is accurate and complete. Furthermore, I am referencing the {$3.00} XXXX fine issued by the CFPB against XXXX for providing inaccurate consumer credit information as a precedent for the importance of accurate reporting and the CFPB 's role in enforcing these standards. 

I request that the CFPB investigate this matter and XXXX XXXX XXXX XXXX to correct the inaccurate information or provide verification of its accuracy within the mandated XXXX window. I also request that this account be temporarily marked as " in dispute '' on my credit reports until the investigation is complete. 

Attachments : Screenshot of the account details for reference. 
Copy of my government-issued ID. 
Recent utility bill as proof of address. 
Thank you for your time and attention to this matter. Please let me know if you require additional information to proceed with the investigation. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in the process of trying to purchase a home. The home I am currently renting is being sold. I am under contract, but there is an error on my credit report from Key Bank that is making me ineligible for financing. I have been diligently contacting Key Bank since XX/XX/XXXX to clarify this error. They seem unable to come to a conclusion based on their own records. Please see below for a timeline : 1. Account charged off by Key Bank in XXXX of XXXX. 
2. Evidence of mortgage satisfaction provided shows XXXX released by Key Bank in XXXX of XXXX. ( Provided to XXXX from Key Bank ) 3. XXXX XXXX XXXX ( The collection company hired by Key Bank XXXX provides a payoff/balance letter to XXXX XXXX XXXX on XX/XX/XXXX, showing a balance of {$5500.00}. This payoff was provided because XXXX sold the property to XXXX XXXX XXXX for what was still owed on the charge off. ) 4. XXXX XXXX Settlement occurs on the sale of the property located at XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX. HUD sheet shows disbursement to XXXX XXXX XXXX in the amount of {$5500.00}. Which is the balance Key Bank reported to XXXX as being charged off. 
5. XXXX credit report shows that Creditor Settled For Less Than Amount Due. THIS IS INACCURATE BASED ON THE INFORMATION KEY BANK PROVIDED TO XXXX XXXX XXXX, and is currently keeping XXXX from obtaining a mortgage. 

Again, I have been in contact with various departments within Key Bank almost daily since XX/XX/XXXX. Many of those times, my loan officer is with me to help me understand the convoluted answers they have been giving me... which are not answers at all. 

1. They initially stated that they couldn't prove the collection company had send them the funds to payoff the account, and that is why they reported to the credit bureau that they settled for less. 
2. They now tell me that they sent me a check in XXXX of XXXX for {$3300.00} and change, which was cashed. I do not have any record of receiving said check. In addition, why would they send me a check for {$3300.00} if the had " settled for less than what was owed ''? 
XXXX. Instead of fixing their error, so that I can complete the purchase of a home, they now say this needs to go to their fraud department. This further extends my inability to provide a home for myself. 

I need help. They don't seem to care or want to solve the problem. I don't understand how they do not have a complete record of events within their own organization. Each time I talk to someone, they tell me they need another 48 hours ... that they are waiting to hear back from " this '' department or " that '' department. I am OUT OF TIME! And over a month should be long enough for a financial institution to follow their own paper trail. 

Employees of Key Bank that I have been in contact with : XXXX XXXX XXXX Senior XXXXXXXX XXXX XXXX XXXX  Team XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Office : XXXX XXXX XXXX XXXX No last name given or email communication. Only over the phone. ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX My case number is : XXXX My contact phone number is : XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I have received a notification from PayPal that XXXX USD were credited to my account for selling goods. I am not a businessperson, I do not sell any goods. I have immediately notified PayPal about this and asked them to cancel this transaction. They replied that I can send the money back, but I have to pay 4.49 % fee for doing this. I refused to pay the fee because I have not initiated any transaction or asked for any service. PayPal refused to cancel the transaction. I told them that this is fraud. I can not accept money for goods if I haven't sold anything. But they again told me that I have to pay a fee even though I wasn't in any way involved in the fraudulent transaction. I find this unacceptable. I should not be charged to their fraud. Please help.
Product: Credit card or prepaid card

This card was consider card to help rebuild and repair credit but due to lack of being able to speak with live rep, hard time paying the card besides using checks which I do not have it became a nightmare. I used my own funds for this account and now it is showing negative and closed despite having enough funds to end balance. This has negatively affected me and my credit in ability to obtain future assistance.
Product: Credit card

In XX/XX/year>, I received a promotional offer from Capitol One for a Venture X XXXX card, which promised bonus points after reaching a specific spending threshold within a limited time frame. Despite being approved for the necessary credit limit, when I attempted to make a large charge to pay my income taxes, Capitol One declined the transaction, citing the need for an established credit history before approving such a large charge. Consequently, I canceled the card, as my sole intention in obtaining it was to take advantage of the bonus offer for a large tax payment. 

Unbeknownst to me, my wife had made XXXX small tax-related charges totaling {$100.00} on this card instead of using her personal card. I never received any paper or electronic invoices from Capitol One about these charges until XX/XX/year>, when they emailed me stating that I owed {$100.00} plus {$15.00} in late fees ( 5 months late x {$3.00} ). I verified the {$100.00} charges, but I called Capitol One to request the removal of the {$15.00} in late fees, as I had never received a bill. 

Capitol One claimed that I had signed up for paperless billing, which I never do, and they insisted that they had sent me previous correspondence via email. After checking my email, including the spam folder and trash, I found no correspondence from Capitol One until XX/XX/year>. 

Today, I called Capitol One again and spoke to XXXX different agents, each of whom redirected me to someone else, only to be disconnected after being on the phone for over an hour. It seems that Capitol One 's actions are indicative of a credit card company trying to wear down consumers through deliberate obfuscation and bureaucratic delays, centered on the use of overseas call centers with underpaid agents and limited language skills. 

I am willing to pay the {$100.00} charges, but I insist on the removal of the {$15.00} late fees, as I was never invoiced and had no reason to monitor this account after closing it following the earlier incident in XXXX.