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

As per the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), it is emphasized that consumer reporting agencies, including TransUnion and XXXX, must carry out their significant responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. As a consumer, I assert my right to ensure the non-disclosure of my private information, supported by 15 USC 6801, which declares the Congress 's policy that each financial institution has a continuous obligation to respect customer privacy and safeguard the security and confidentiality of nonpublic personal information. 

The term " ( Furnisher of information to credit agencies ) '' qualifies as a financial institution by definition under this title. According to 15 USC 1681 section 604 ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report only under specific circumstances, such as in accordance with the written instructions of the respective consumer. Both the financial institution ( Furnisher of information to credit agencies ) and the consumer reporting agencies, XXXX and XXXX, lack my consent to furnish this information, and they do not have my written consent. I hereby revoke any and all consent to XXXX, XXXX, and the Furnisher of information to credit agencies, whether it be verbal, non-verbal, written, implied, or otherwise. 

Referring to 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how to exercise the nondisclosure option. The Furnisher of information to credit agencies never informed me of my right to exercise this option. Additionally, 15 USC 1681C ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse item of information in a consumer report without authorization, except for records of convictions of crimes that predate the report by more than seven years. Reporting this account as an adverse item without my permission is a violation of the law. 

According to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), a person is prohibited from furnishing any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e mandates every consumer reporting agency to maintain reasonable procedures to prevent violations and limit the furnishing of consumer reports to specific purposes listed under section 1681b of this title. XXXX and XXXX are not upholding reasonable procedures. 

Furthermore, as stated in 12 CFR 1016.7, a consumer has the right to opt out at any time. Accordingly, I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I have constantly dispute with this company. This company has failed to respond to my affidavit that I sent them, and they are boldly violating my federally protected consumer rights. They have been consistently reporting inaccurate account information on my consumer report for both XXXX and XXXX. When I hold them accountable, they refuse to comply. This company is willfully negligent. They consistently blame the consumer reporting agencies and state that XXXX and XXXX are responsible for the inaccurate credit reporting when the debt collector is in fact the new data furnisher who bought the alleged debt and is putting it on my credit profile. This company is more concerned with money so much that they are stepping on my federally protected rights while attempting to collect it. I have filed multiple complaints against this company to no avail. This company is also reporting a closed account as open on my report. I have disputed against this company multiple times with viable proof. I'm requesting the deletion of this account for violation of the FCRA under 15 USC 1681 s-2 Responsibilities of furnishers of information to consumer reporting agencies- ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

XX/XX/XXXX move out date from XXXX XXXX XXXX XXXX from our apartment XXXX, after a few days we been charged with no permission ( fraud ) another amount equal for a month of rent XX/XX/XXXX a check was sent to us for the amount of extra month charged, missing our deposit of XXXX XXXX XX/XX/XXXX a email was sent to request information about XXXX XXXX from deposit, after multiple calls ( been blocked from the community, used other phone numbers to reach them where we could not get an answer ) a period a complete silence, because of reading reviews about the community and company, understood that will not get an y of those money XXXX XXXX XXXX XXXX XXXX dba XXXX XXXX XXXX XXXX XXXX, WA XXXX, reaches me out about a owned amount to XXXX XXXX XXXX XXXX of XXXX XXXX XXXX reaching out the XXXX XXXX, being refused to clarify an discuss the situation been directed to discuss with collector company multiple calls back and forward of requesting statements thru emails from collector company, being refused, just calls with no registered discussion been conducting, not being aware of XXXX XXXX of deposit certain point we clarified that there was a deposit of XXXX , witch it was stated that was returned to me. I questioned '' correct me, normally deposits are for cover extra expenses, they are used right after moving out, not sent back right away '' ( trying to indicate there's a mistake, as many other happened before ) and knowing that the deposit never returned I suggested to used that money and sent me the rest over a check, refused XX/XX/XXXX Colector agency reaches me again, sending me an XXXX  of an ''invoice '' generated XX/XX/XXXX by XXXX XXXX , indicating that XXXX XXXX deposit was returned ant that they don't have it on hand anymore ( notice incongruence of dates ), I do understand that there's no transparency no right, I asked to stop sending to me the emails. 

trying reach out XXXX XXXX company for payment clarification, but their websites are down Collector company reported that I own XXXX XXXX witch affected my credit score
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX-my husband and I took out a home equity loan with the then XXXX XXXX XXXX. XX/XX/XXXX-XXXX XXXX XXXX sold the loan to Beneficial, New Jersey ( XXXX XXXX XXXX ) and removed their lien from our deed. XX/XX/XXXX-we took out a new home equity loan with XXXX XXXX. XXXX paid the remaining balance to Beneficial. XX/XX/XXXX-we completed the payment of our loan with XXXX XXXX - XXXX  removed their lien on our deed XX/XX/XXXX-I found out that Beneficial is still listed on our deed with a lien. At that point I wrote to the now organization of HSBC-Beneficial XX/XX/XXXX-we received a letter from HSBC informing us that the problem is with XXXX. You will note that the letter I received was not signed by anyone. I went to our local bank to discuss the situation with them and was told that it is not XXXX, it is Beneficial ( HSBC ) that must remove the lien. So I started making phone calls, lots of them. I have faxed paperwork, I have mailed it and made several dozen phone calls to a variety of phone numbers. At one of the numbers I called, unless you know someone who works there a customer can not get beyond the answering system. Others just weren't answered or the system would answer and say " there has been an error '' and hang up. XX/XX/XXXX-I wrote yet another letter to the same address in XXXX XXXX, IL as before, in XX/XX/XXXX. I have not received a response as of today, XX/XX/XXXX. I am enclosing a copy of all the documentation I have for this as well as my letters.
Product: Debt collection

Upon reviewing my credit report Id noticed XXXX XXXX XXXX reporting a balance of {$370.00} which I do not recall this account nor receiving a notice from them. I contacted them by fax @ XXXX ) XXXX with a letter requesting documentation bearing my signature. This item is reporting on my XXXX, XXXX, and XXXX report which is in violation of the FCRA if documentation bearing my signature which Im entitled isnt provided this item should be removed immediately.
Product: Mortgage

I Want to file a complaint about Bank of America For Foreclosing wrongly on me and my familys only home we had and loved! Bank of America ruined our life 's and we have been XXXX ever since they wrongly foreclosed on me during a loan modification I was almost done with and approved for! Its been almost 3 years since Bank of America took our home and all I received from the lawsuit was XXXX. Thats not even a mortgage payment! How is this fair or rite at all!? Bank of America should have to give us back our homes or help us get new ones since they were wrong and took everything from us we worked so hard to get!
Product: Credit reporting, credit repair services, or other personal consumer reports

showing inaccurate information please correct the information
Product: Checking or savings account

A lengthy hold of 30 days was placed on a deposit. After the 30 day period the hold was not released and the deposited funds were not available. I spoke to a customer service representative and was not given any sufficient information regarding the hold. I tried to close the account at this point but was told that the hold would prevent that action.
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I am a victim of a data breach, which has resulted in fraudulent accounts appearing on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following accounts : Fraudulent Accounts : XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$83000.00} XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX after reviewing my credit report realizing that they reported a XXXX charge off under my SS number. I explained I never had an account with them but did recently open an account with their sister company XXXX XXXX. I advised them to remove it and they told me that it USED TO BE in my name. I asked them what USED TO BE IN MY NAME MENT. They said the name on the account was changed but my SS # stood and if I wanted it changed I had to get this person to write a statement excepting responsibility IF NOT the charge off would stand in my name ... I told them the bottem line this acct had nothing to do with me, was never signed by me, never requested by me ... My question is if I really had a charge off with XXXX XXXX, would their Sister Company recently open a brand new account with XXXX XXXX ... Absolutely not ... I beg XXXX XXXX to correct my Credit Report and perminately remove this account from my Credit Reports
Product: Mortgage

I have a XXXX lien of my primary residence with an Equity line of credit with Bank Of America that is more than my primary residence mortgage with XXXX. I have asked Bank of America to please help us do a XXXX lien modification on the Equity Line because we are retired and on a fixed income and they have denied us for ANY help with reducing the payment to something we can afford. We have been paying the interest every month Which is about {$220.00}, but they charge us that much in interest every month. The payments are over {$800.00} per month but we have only been paying the interest, we are not behind. We do n't qualify for HARP to refinance XXXX mortgages into XXXX because our XXXX Mortgage with XXXX was originated after XX/XX/XXXX. Bank of America claims there is nothing they can do an our only options are short sale, deed in lieu or Foreclosure but we have lived in our home since XX/XX/XXXX.
Product: Debt collection

I continue to be billed for a XXXX service on XX/XX/XXXX by XXXX XXXX was paid by XXXX under claim number XXXX dated XX/XX/XXXX paid the bill XXXX % of billed charges. they have sent me to a collection agency XXXX Ref # XXXX XXXX they are wanting {$730.00} total charge amount when this was paid. I have told them over and over and they are trying to ruin my credit and they have been paid already. I dont know what to do I feel like this fraud and they are trying to double dip. I need this taken care of because nothing is owed to them and the information has been provided to them multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is trying to collect on a debt that is not mine! I recently received a letter stating that I had a collection for a Capital One account and it had an outstanding balance of {$1500.00}. This is absolutely ridiculous! I have never opened an account with Capital One so there is no way that this debt is mine. The debt clearly belongs to someone else and they need to figure out who because I should not be facing the consequences for someone else 's mistakes. This needs to be removed immediately from my credit and the debt should go to the correct person.
Product: Credit reporting or other personal consumer reports

XXXX XXXX placed delinquency on my account.
Product: Credit reporting or other personal consumer reports

I recently became aware of improper and unlawful use and release of a report on myself by Chex Systems. On the report there were a number of inquiries that were not made by or authorized by myself. I can only assume that they were made in identity theft for most. There were also some inquiries made for employment purposes, not credit and those should not be reporting as inquiries. This is an unawlful use of my information and Chex has been releasing the report to others and it has harmed me. 
The inquiries are : XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Ally Bank 's Failure to Release Trust Property To Whom it may concern, I am writing to bring to your attention a serious matter concerning Ally Bank, located at XXXX XXXX XXXX, XXXX, PA XXXX. They are currently in possession of UCC 3 intangible instruments that rightfully belong to my Trust. Despite repeated efforts, I have been unsuccessful in obtaining the release of my property from Ally Bank. 

Under the Uniform Commercial Code ( UCC ) 4-402, " a payor bank wrongfully dishonors an item if it dishonors an item that is properly payable. '' In this case, Ally Bank had a promissory note accompanying the check, ensuring that there would be no overdraft. However, Ally Bank wrongfully dishonored the item, leading to the withholding of my property.

Furthermore, according to UCC 4-501, " A bank that takes a documentary draft for collection shall present or send the draft and accompanying documents for presentment, and upon learning that the draft has not been paid or accepted in due course, shall seasonably notify its customer of the fact. '' Despite this obligation, Ally Bank failed to make presentment to the Federal Reserve, where they could have made an application for their Master Account to be credited with the appropriate amount. This failure on the part of Ally Bank has caused significant financial hardship for my Trust. 

It is important to clarify that I did not apply for a loan, as falsely claimed by Ally Bank. Instead, I made a deposit, which falls under the definition of a deposit as outlined by the Federal Deposit Insurance Corporation ( FDIC ). Ally Bank, as a custodian of my instrument, had a fiduciary duty to safeguard and handle it appropriately upon receipt via USPS. Their discrimination and refusal to release my instruments have resulted in unjust consequences for my Trust.

I would like to emphasize that the instruments in question were properly endorsed with an unqualified special endorsement, and I possess the right of enforcement according to UCC 3-309. It is clear that Ally Bank is in the wrong, and their actions have caused significant detriment to my Trust. I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to address this matter and ensure that Ally Bank fulfills their fiduciary duty by releasing my Trust property promptly. 

I have attached copies of relevant documents, as supporting evidence for your review. I kindly request that the CFPB investigates this complaint thoroughly and takes appropriate measures to rectify the situation. 

Thank you for your attention to this matter. I have faith in the Consumer Financial Protection Bureau 's dedication to consumer rights and trust that my complaint will be handled with the seriousness it deserves. 

Sincerely, 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 or other personal consumer reports

Subject : Opt-Out Request Pursuant to 15 USC 6802-6805, Fair Credit Reporting Act, and Privacy Act of 1974 I trust this letter finds you well. I am writing to formally request to opt-out of certain uses of my personal information, in accordance with the Gramm-Leach-Bliley Act ( 15 USC 6802-6805 ), the Fair Credit Reporting Act ( FCRA ), and the Privacy Act of 1974.

Under the Gramm-Leach-Bliley Act, financial institutions are obligated to safeguard nonpublic personal information. I am exercising my rights under this Act to ensure that my information is handled with the utmost privacy and security.

In addition to the GLBA and FCRA, the Privacy Act of 1974 further governs the collection, maintenance, use, and dissemination of personal information by federal agencies. I want to ensure that my rights under this Act are also respected in the context of any information you hold pertaining to me. 
Therefore, I formally request to opt-out of any sharing or use of my personal information for purposes beyond those explicitly permitted by law, including any third-party marketing or promotional activities. I also request transparency in how my information is collected, maintained, and shared in accordance with the Privacy Act of 1974. 
If there are specific procedures or forms that need to be completed to facilitate this opt-out request, kindly provide them at your earliest convenience. Additionally, I request written confirmation that my opt-out request has been processed in accordance with the law. 
Thank you for your prompt attention to this matter. I anticipate your cooperation in ensuring the responsible and legal handling of my personal information in compliance with the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act, and the Privacy Act of 1974.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am writing to bring to your attention certain discrepancies and concerns regarding the information reported on my credit file. I believe that certain entries may not be certifiably compliant, proven valid, or adequately documented as fully true and physically verified. To assist you in addressing this matter promptly, I would like to provide you with specific details related to my account : Full Name : XXXX XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Birthdate : XX/XX/1994 FTC Report Number : XXXX Upon reviewing my credit report, I have identified potentially duplicative and unquestionably dubious entries that lack the necessary authorization or approval from me as the individual concerned. As a conscientious consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I wish to exercise those rights by formally requesting the removal of these questionable entries as soon as possible. Under federal and state consumer and civil rights statutes, I am entitled to dispute and challenge any information on my credit report that is not in compliance with FACTA Title 1 Section 151. This particular section unambiguously mandates a specific modus operandi for reporting, and I seek your cooperation in ensuring that the reported items adhere to these legal standards. I understand the importance of accurate and fair reporting, and as a responsible consumer, I am committed to ensuring the integrity of my credit information. I kindly request that TD AUTO FINANCE conduct a thorough review of my account, validate the accuracy of the disputed entries, and take appropriate action to rectify any discrepancies. To facilitate this process, I have attached a copy of the FTC report related to this complaint for your reference. I appreciate your prompt attention to this matter and your cooperation in resolving these concerns within the framework of the Fair Credit Reporting Act. I trust that TD AUTO FINANCE will conduct a comprehensive investigation and make the necessary corrections to ensure the accuracy and compliance of the information on my credit file.
Product: Checking or savings account

i am small business. XXXX XXXX XXXX i am an XXXX and i use XXXX XXXX XXXX as well as XXXX XXXX services to get paid from my clients in XXXX XXXX. 
i am enrolled in the service, however, Chase held on my documents for month and half, for documentary collection. Asked my multiple questions which were all promptly responded and then without any explanation sent it back to me, saying " due to internal business policy ''. None of my documents were, illegal, out of norm or to any of restrictive demographics. Chase has already processed for same client in past, however this time they refused without a logical, legal rational formal reasoning. On the other hand, Chase bank refused and incoming XXXX  Letter of credit for my company name, even though there are no restrictions, embargoes or factors effecting it that way. 3 times they have done that effecting my business badly and causing excessive losses, without even a hint of explanation as to why they would unfair discriminate where no such reason exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Bank Account # 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 without my written instructions.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 XXXXXX/XX/XXXX
Product: Debt collection

A payment in the amount of {$1400.00} was withdrawn from my XXXX  XXXX XXXX account on XX/XX/2018 Legal Order, LTS XXXX. XXXX XXXX XXXX still shows up on credit report with debt of {$1400.00}, called company they said have not received payment nothing they can help me with. Thank you.
Product: Credit reporting

I started getting denial letters from creditors and I pulled my credit report and I notice some inquires on my credit report that do n't belong to me.