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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX EXPERIAN COMPLIANCE DEPT RE : NOTICE - Gramm Leach Bliley Act NON-COMPLIANCE REPORTING THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to EXPERIAN that the listed institutions ATTACHED have not conformed and are currently reporting in non-compliance with the following Gramm Leach Bliley Act statute ( s ) : 1 ) XXXXXXXX XXXX XXXXXXXX {$230.00} No privacy disclosures provided. DELETE immediately Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b ) For the record, I, XXXX XXXX HAVE NEVER received an INITIAL OR ANNUAL PRIVACY POLICY NOTICE from any of the ATTACHED reporting institutions as required by the GLBA statute ( s ) above, nor have I been given a chance to opt-out from my personal information from being shared w/ 3rd parties. Why does EXPERIAN allow these non-compliant institutions to report on my credit profile and put my privacy at risk? 

Until compliance with Sec. 6802-6803 of the GLBA can be substantiated, I DEMAND that EXPERIAN PERMANENTLY DELETE the following non-compliant ATTACHED account ( s ) within 3 days and forward to me a FULL updated credit report with these deletions to the address above By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation and credit worthiness. For the record, I will also file this complaint with my state Attorney Generals office and the Consumer Financial Protection Bureau ( CFPB ). 

Experian and XXXX XXXX  are in direct violation of the GLBA act GLBA non-compliance penalties can be quite serious for financial institutions. They include both monetary fines as well as imprisonment. The GLBA non-compliance penalties include : A fine of up to {$100000.00} for each violation A fine of up to {$10000.00} for officers and directors of the financial institution In case of a serious violation, individuals may be imprisoned for up to 5 years Revocation of licenses 1 ) XXXX XXXX XXXXXXXX {$230.00} No privacy disclosures provided. PLEASE immediately. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Heres a letter Ive used in the past : Subject : Complaint against XXXX Dear Consumer Financial Protection Bureau, I am writing this formal complaint against XXXX in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. 
My primary complaints are as follows : XXXX. Failure to Ensure Accurate Reporting : I firmly believe that XXXX has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations. 

XXXX. Deviation from Established Reporting Standards : Based on my understanding of CDIA 's CRRG manual ( see CRRG 3-4 ), any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that Trains-union may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information. 

XXXX. Lack of Documented Proof : Despite my attempts to contest the reported information, XXXX has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements. 
I request that the Consumer Financial Protection Bureau take appropriate action to address my concerns and ensure that XXXX rectifies their reporting practices promptly. Specifically, I demand the following : - Immediate removal of any unproven or inadequately reported negative claims from their records and future reporting until they demonstrate provable adherence to reporting standards and regulatory mandates. 

- A comprehensive review of XXXX reporting practices to ensure that they comply with federally defined timeliness, accuracy, and completeness standards. 

I trust that the Consumer Financial Protection Bureau will handle this matter promptly and diligently, safeguarding my rights as a consumer. I appreciate your attention to this complaint and look forward to a positive resolution that restores the accuracy and integrity of my credit history. 

Thank you for your assistance in addressing this important concern
Product: Debt collection

I received a letter dated XX/XX/XXXX / Reference XXXX from Lloyd & McDaniel , PLC regarding an alleged debt from XX/XX/XXXX that I DO NOT ACKNOWLEDGE. Based on the date provided in the notice the alleged debt is beyond Tennessee 's statue of limitations, meaning the collector MAY NOT sue or report this alleged debt to my credit report. Furthermore Lloyd & McDaniel , PLC does not show as licensed in the state of Tennessee to collect debts. A complaint has also been sent to the XXXX XXXX XXXX XXXX XXXX XXXX  to inform them of the potential compliance issue. Please consider my complaints as my official notice to Lloyd & McDaniel , PLC to CEASE and DESIST all contact so that I will not be further harassed regarding an alleged debt that I do NOT acknowledge. Any further attempts will result in my consulting with a consumer rights attorney to explore legal recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I promise this derogatory mark is n't mine it was the result of my identity being used by some unknown person. I 've never bought or received anything from this company. I never lived at the addresses associated with it. XXXX XXXX XXXX, XXXX XXXX, 2017, {$6700.00} Thank you. Best, XXXX
Product: Checking or savings account

I filed a dispute against XXXXXXXX XXXX XXXX for XXXX transactions because I did not receive the service I thought I had paid for. XXXXXXXX XXXX  claims that they are regulated by the state when in fact because of a law passed in XXXX  allowing all tribal casinos in XXXX  to regulate themselves they are not. They are also not acredited with the XXXX  and have a D- rating with hundreds of complaints similar to mine. Money Lion investigated my dispute and found there was an error and credited my account for some of the transactions and stated any fees related to the transactions would be credited as well. They have now denied XXXX of them which I appealed and have asked me to submit more information, which I have. However, they already investigated the dispute as per their own documentation that I attached and found the dispute in my favor and have credited me some of the transactions. They also stated all fees related to those transactions would be credited as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXX XXXX XXXX I have never owned a credit card from them. 

DID NOT AUTHORIZED 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: Mortgage

To whom it may concern : I am a XX/XX/XXXXAmerican XXXX XXXX  veteran. The problem started in XX/XX/2021 with PennyMc Loan services. I currently have my VA loan through them and they kept calling me for a VA re-finance so I applied and they were completely incompetent and awful. They repetitively were asking for documents from me from 13 years ago. I spoke with a supervisor and he said it was a mistake and they would stop and the never did. I emailed the processors over and over at least 25 times over the course of 3 months and got reply a week later each time that was just asking for thee same nonsense. It was a constant barrage of them asking for more paperwork that was so many years ago years that was paid off and I did not have proof of. The harassed my wife for paperwork IRS transcript when she gave them proof she filed and copies of cancelled checks. They kept yo-yoing us asking for paperwork that we did not even have to provide when we bought our home. The whole process made no sense and they made it so difficult that finally I could not take it anymore. A friend told me to try quicken VA refinance and it was so different of an experience. 
They gave me a rate that is a full 1 % less that PennyMac and in one afternoon I had satisfied all the paperwork requirements. They said they did not need to see paperwork from 13 years ago and my wife did not have to provide anything to them for the loan. I just want to warn prospective Veterans that Penny Mac is an awful experience and ultimately will rip off Veterans. 
Thank you and XXXX Bless America, A Fellow XXXX  Vet
Product: Checking or savings account

I use the Suntrust Bill Payer service for my bills each month. In the spring of 2019 we had fraudulent activity on our check account. I reported this to Suntrust, and they followed normal procedure by closing the account, opening a new one, and promising that all outstanding checks would be automatically rerouted to the new account. I would be free of this responsibility. Since then, every check I paid was rerouted just as Suntrust promised except for two checks that went to XXXX XXXX in XXXX, Va. which is the business office for XXXX XXXX XXXX. The first one bounced, for which I was assessed {$30.00} returned check fee, and a {$10.00} late check fee. I have a photo copy of the check that shows that the check was sent on time. What makes all this more confusing is that I was not made aware of this until XX/XX/2019 ( 6 months ). These payments are made quarterly, so it appears that the check that I sent in XXXX seems to have been cashed normally. But then the check sent in XXXX of that year was returned designated as " not authorized ''. During this time all other bills were paid on time including electric, gas, and credit cards. I spoke with XXXX  employees a few times and also with the treasurer of the HOA, and nobody knows why this happened. Total cost to me is {$80.00}, but it has more to do with me being taken for granted. XXXX and the HOA decided that it was OK to penalize me even though I had no control over what happened after I turned the computer off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with UNITED REVENUE CORP ( Original Creditor : XXXX  XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and UNITED REVENUE CORP ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on XX/XX/2023 to Equifax regarding items on my credit file. I notified Equifax that the items they are reporting are a result of Identity theft. I provided Equifax with an identity theft report an appropriate proof of identity. The law states that a consumer reporting agency shall block the information on the file of a consumer that the consumer identifies as identity theft within 4 days. Equifax is not complying with federal regulations pursuant to 15 USC 1681n - non compliance. If the company fails to do what is fair and equitable to me as a consumer by blocking the identified information, i will not hesitate to seek legal counsel and file a complaint with the Attorney General.
Product: Credit reporting or other personal consumer reports

I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XXXX 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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

requested verification of accounts including signed contract, also requesteed 1099c since account states it is a " charge off '' havent received either
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Letter from Equifax Identity theft Ex-spouse, XXXX XXXX sent the letter. 

He and XXXX XXXX have access to credit reports, making changes, disputing addresses to mask identity theft and money mule schemes. 

They have control of my social security number subjecting me to denial of service. 

I have had no access to any business external, can not write or call Equifax, hijacked cell phone and mail theft. 

They have held me hostage to criminals and schemes by impersonating businesses, credit agencies and taking funds I have paid for bills. 

My information is on the dark web which they operate. 

In the process of having it resolved. thank you. 

Could not get freeze on accounts, impersonating representatives for Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am at a loss of words. My credit reputation is being tarnished by this huge mistake on my credit report which is completely false and misreported. XXXX is reporting this record mistakenly on my credit report. The record is also incomplete, which is also another reporting violation.
Product: Credit reporting or other personal consumer reports

Account Name XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX RE : Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following account ( List name and number of account ) is reporting a balance of ( enter balance amount ) when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing of ( enter balance amount ) on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors.

Please provide me with the return of the time and form as prescribed by regulation or the Secretary of my name, my address, my TIN, the date, and amount of the discharged/charged off debt and any other information as prescribed by the Secretary.

If not, then I would demand that the account be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. 

Thank you for your time and consideration in this matter. I look forward to hearing a favorable reply. Please forward any correspondence or changes to my credit report to the address listed above. 

Regards,
Product: Credit card

Just received this letter indicating " FINAL NOTICE '' telling me that my property 's coverage " secured by CITIBANK NA '' was expiring and that I should call them at XXXX to bring my coverage up to date otherwise I would be at risk for any and all repairs, etc. 
Otherwise CITIBANK " reserves the right to revoke eligibilty ... " etc. 
Respond immediately, etc.using the included {$190.00} voucher to offset Reistration Fees. 

So what's wrong with this picture? 

It's a total scam. 

I've never had CITIBANK home insurance coverage and never will. 
But a lot of more naive people probably do fall for this scam -- but as the Internet CITIBANK is no stranger to deceptive practices and fraud, going back at least a decade.
Product: Debt collection

I was in a car accident with an enterprise rental car late XX/XX/XXXX. I have a {$500.00} deductible. I was told I have until XX/XX/XXXX to pay it ( 90days ) from the accident. I paid it onXX/XX/XXXX at the east XXXX XXXX branch with their agent with my card that was on file. I have been getting mail saying my balance was forwarded to collections and getting constant calls. I called the east XXXX  branch and they said I have to call claims so I did. They said east XXXX reported it to collections in XX/XX/XXXX since they did not have the funds. If they have a system issues that's on their end. I already paid the balance before it was due months ago. They said they would look into ot further and has not gotten back to me and now I am receiving another piece of mail saying it is going to be sent to collections of not paid in 10 days.
Product: Debt collection

We opened an account with the company in  XXXX . After a few years of using the credit card we destroyed the card and no longer used it. The amount charged on this card was approximately {$6500.00}. We paid on this card for almost thirty years and as of today, they are still saying we owe them money. I do not see how this could be possible. I later received a notice from them about this ( sometime in  XXXX  ) and agreed to pay  XXXX  per month ( with all to be applied to principal ), which we did. In  XXXX , I received my last statement from them and assumed the debt had been paid in full. Much to my surprise in  XXXX , they had turned the account over to an attorney for collection. Each month they would add on a fee for about {$45.00} or {$50.00} for some type of insurance. We did not agree to this being added to the account and they were told to remove this from the account. Bottom line is they say we owe them a substantial amount of money that we do not agree with as there have been no transactions whatsoever on this account in years.
Product: Vehicle loan or lease

Loan with 18 % APR for 72 months. Felt taken advantage of because of credit circumstances. According to loan agreement I was suppose to be given a chance for arbitration however was never given a chance. Loan was only 37 days pass due before they repossessed it despite the fact that their policy is to repossessed after 60 days past due. Car was suppose to be sold on XXXX yet credit report still reflects total about of loan due.
Product: Credit reporting or other personal consumer reports

I would like to file a complaint against the XXXX XXXX  regarding the negative items on my credit report. These negative items on my credit report are severely affecting me. I would like to request that these negative items be removed from my credit report and made positive. If the XXXX XXXX  do not take action, I am prepared to file a lawsuit against them and demand appropriate compensation. According to our laws, I have the right to complain and file a case against them
Product: Credit reporting, credit repair services, or other personal consumer reports

my rights were violated, Experian still is reporting a bankruptcy and a late when the company updated saying that information is not true. the XXXX account is reporting closed but its open. XXXX and XXXX are reporting its closed as well. XXXX has a fraud alert in which i asked several times to remove, XXXX are reporting fraud inquires
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report and noticed a fraudulent account and address. 
Address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Accounts not mine XXXX XXXX XXXX : Account number : XXXXXXXX XXXX XXXX  : Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX : Account number XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX : Account number XXXX XXXX XXXX XXXX XXXX XXXX  : Account number XXXX XXXX,
Product: Credit card

This past spring I opened a Macys card and subsequently started buying a few items needed for the new apartment into which we recently moved. Not long after that, I received my statement in the mail, which I promptly paid. The same thing happened the following month. Then in early summer I purchased some new pants for the new season. A couple of months went by before I realized that Macys had not sent me a billing statement. And at no time did I request or approve a change to statement delivery electronically. Finally, a statement showed up in the mail showing a late fee and interest for the amounts of {$32.00} and {$4.00} respectively. I promptly paid the balance for the value of purchases minus the late fee and interest. In addition, I wrote Macys explaining that they did not send me a statement and to kindly remove the late fee and interest. More than 6 weeks later I received a letter from Macys informing me they would extend to me a " courtesy '' adjustment for the late fee and interest. And that these adjustments would appear on my statement within XXXX billing cycles. Unfortunately, I never received a statement and instead received some sort of Debt Validation Notice for {$31.00}. Please keep in mind that I paid my account balance in full, minus XXXX late fee and interest. At this point, I decided to log on my account and noticed they have now charged my account late fees and interest for XXXX, XXXX and XXXX. 
To me, it seems that Macys has a business practice of not sending statements to clients so they ( Macys ) can generate revenue in the form of late fees and interest. In addition, they offer a courtesy adjustment, then not credit the amount ( s ) in question in a timely manner so they could again charge the account further late fees and interest. 
To that end, I wanted to share this with you. I do n't know if this practice is illegal but it certainly appears to me at deceptive to consumers.
Product: Debt collection

Brown & Joseph, LLC has sent numerous notices requesting payment for an insurance policy that has been cancelled with the XXXX XXXX XXXX and has been confirmed cancelled with nothing owed by both XXXX and our insurance agent, XXXX. We have provided that information to Brown & Joseph on numerous occasions, yet there communications and requests for payment not owed persist.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file and are listed on my credit report : 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