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

I am writing to file a formal complaint against Fidelity National Financial ( FNF ) regarding unauthorized sharing of personal information and potential violations of privacy laws. As a consumer who has had transactions with FNF in XXXX XXXX XXXX XXXX, I have discovered practices that appear to violate FNF 's stated privacy policies and applicable privacy laws. 
Nature of Complaint : Unauthorized Data Sharing : I have evidence suggesting that an FNF employee, specifically a Vice President at Fidelity National Title in XXXX, XXXX has shared or sold customer lists containing personal information to third parties not affiliated with FNF and not offering financial services.

Violation of Privacy Policy : This action appears to be in direct violation of FNF 's stated privacy policy and potentially violates state and federal privacy laws, including the Gramm-Leach-Bliley Act ( GLBA ).

Inadequate Response : Upon discovering this information, I have made multiple attempts to address this issue directly with FNF at both the regional and corporate levels. However, the responses I have received have been inadequate and fail to address the specific concerns raised. 
Potential Systemic Issues : Given the nature of the violation and the lack of a satisfactory response from FNF, I am concerned that this may not be an isolated incident but could indicate broader systemic issues in FNF 's data handling practices across multiple states. 
Attempts at Resolution : On XX/XX/year>, I sent an initial email to FNF 's privacy team requesting information about their data sharing practices and policies.

After receiving an unsatisfactory response, I sent follow-up emails and made phone calls to various FNF representatives , including XXXX XXXX XXXX Fidelity 's XXXX Operations President. 
I attempted to escalate the matter within FNF, seeking to discuss the issue with appropriate personnel who could address my concerns regarding the unauthorized sharing of customer data.

Despite these efforts, FNF has failed to provide a substantive response to my specific concerns or to demonstrate that they are taking the matter seriously.
Product: Debt collection

This is a 2-3 year old XXXX XXXX charge that has resulted in this colleciton of a measley {$100.00} I'm reaching out because this has been SETTLED for some time with this hospital yet this continues to show up on my credit report. 

XXXX XXXX XXXX addressed that the nurse mistook my information and noted I had symptoms for some while which was untrue - deeming this " XXXX '' and resulting in this charge. 

Please help to remove this collections charge as I have handled this time and time again over past months and attempted to dispute it already. Turning to you guys because I cant even get a *Pay for Deletion* letter from the Simons Agency Inc .
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey I was taking advantage of due to non-practical laws being broken due to XXXX by your company. This causing financial injury. this destination of character. I cant get a job. I can't apply for credit. Hey i can't even get a loan due to this pandemic under this crisis. It bureaus hurt my ability to obtain credit.
Product: Credit card or prepaid card

I have been damaged by Amex Credit because their " random '' was not random. 
The audit was conducted in n retaliation for withdrawing funds in a country where XXXX was not honored. 
Amex cut my credit value from unlimited to XXXX From XXXX to XXXX and from XXXX to XXXX these actions occurred without my knowledge or consent and caused my credit rating to drop XXXX points ( depending on the reporting agency ) this caused a situation where prior usage was not problematic current usage appeared excessive secondary to the lower limits. 
Additionally, Amex closed a checking account without my knowledge or consent in retaliation for prior reportage to CFPB of their actions. 
Their reason claimed was " bad address '' which was due to the input of am employee and had nothing to do with me. 
The damage us at the point where I downgraded my card because it was not worth maintaining s higher fee on a card worth a few fractions of the annual fee. The actions of Amex despite 19 years of experience and full service banking have now become punitive as I can not reopen my checking account and am being told that I have to prove my income with collateral information that was not necessary to acquire the account in the first instance.

The actions of Amex as of this writing remain in violation of the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 16911691f, and the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) 2 The Federal Financial Institutions Examination Council ( FFIEC ) Interagency Fair Lending Examination Procedures ; page 29.

3 The FFIEC Interagency Fair Lending Examination Procedures ; page 32.

4 12 CFR 345.41 ( a ).

5 12 CFR 345.41 ( c ) ( 2 ).

6 The FFIEC Interagency Fair Lending Examination Procedures ; page 32.
Product: Mortgage

We are co-owners who refinanced the mortgage on our  XXXX  home in  XXXX  with Nationstar Mortgage. We were very specific in explaining that we wanted to pay closing costs in cash rather than have it financed. Over the course of discussions only the first draft of the closing documents indicated we would use cash to close. Despite our insistence, in the end we went to closing without being given the opportunity to pay cash for closing. Also, we paid our property taxes for the first quarter and the next installment was not due until  XXXX   XXXX  but it too was added to closing costs ( {$1100.00}  ).      Since closin g, Nationstar has sent us a check in the amount of {$110.00} ( payoff overages ) and more recently a letter stating that we were overcharged for certain closing costs in  connection with the closing of your loan and we are refunding this amount to you through a principal reduction. The amount is {$610.00}. The difference as per the letter is reflected in  C   ash to Close and Lender Credit via the new Disclosure.
We are concerned about how our refinance was handled, the process by which the differences occurred and whether our property tax had to be made part of this closing.
We request a full review of the closing documents/disclosure and would like to know if Nationstar was within their rights to refuse to allow us to pay closing costs up front. These charges were rolled into the loan creating the need for a gap note and mortage. We only had a certain period until the closing and if we didnt close by that date then a higher interest rate would be applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX, XXXX of 2021, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX XXXX # XXXX -- -- XXXX XXXX XXXX -- XXXX XXXX-Account number XXXX -- XXXX XXXX-Account number XXXX. In those 3 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. Thank you
Product: Debt collection

On XX/XX/2018 I send a letter via Certified Mail to XXXX XXXX XXXX to validate the debt they are claiming that I owe of {$310.00}. The original creditor is XXXX XXXX. I have no knowledge of being acquainted with XXXX XXXX or XXXX XXXX. I specifically asked for any signed agreements made by myself and XXXX XXXX or XXXX XXXX stating that I have an obligation to pay them for the alleged debt. They were unable to provide validation of the debt but they have not closed/deleted this from my credit report.
Product: Credit card or prepaid card

T.D. Bank Credit Card from Raymour and Flanigan approved a credit card with a limit of {$8000.00} in XX/XX/XXXX, since than I have made multiple purchases and payments. The payments that I have made have been over the minimum payments. I made 2 purchases on XX/XX/XXXX. I made a payment of {$170.00}. a few days late on the month of XXXX my payment was due XX/XX/XXXX, and I made the payment late XX/XX/XXXX. Then I made a payment in XX/XX/XXXX, for {$2300.00} only owing {$400.00}. and still leaving me a limit of {$8000.00} dollars when I checked my account. The bedroom that I purchased on XX/XX/XXXX was being delivered today XX/XX/XXXX. The purchase went through just fine on XXXX. Raymour and Flanigan checked Friday XX/XX/XXXX to ensure that the bedroom set can be put on my credit where I still had the {$8000.00} dollar limit. Allowing me to receive my delivery today. Today, Saturday XX/XX/XXXX, they reduced my credit limit {$2700.00} this morning. The bedroom delivered today I had to have the deliverers put all the furniture back on the truck and take it back because than I would have been over the credit limit and TD Bank 's credit card would have charged me fees for being over their limit that they reduced today. I called and spoke to the Supervisor XXXX Title : Lead, Agent ID : XXXX at T.D. Bank who kept stating that they reduced because of my second late payment in 11 months but if that was the case, " Why didn't they reduce my limit in XXXX '' it was reduced XX/XX/XXXX the day of the delivery of the bedroom items that would have pushed me over their limit. They did not inform me they didn't give me a 45 day notice, there was no email sent or letter. When I stated to XXXX the Lead to close this credit card for their atrocious conduct with consumers he hung the phone on me. I will pay the {$400.00} dollars that I owe and close this credit card even if my credit score takes a hit. I do not want to do business with a company who intentionally does this without informing their clients. Although, I may had two late payments in XX/XX/XXXX, and XX/XX/XXXX, this are two different years I still made huge payments a few days later. This was during a pandemic and my payment was due XX/XX/XXXX, and I made a {$3000.00} payment XX/XX/XXXX. The payments weren't a month late they were days late. I asked the lead why I wasn't informed that I needed a 45 day notice before my items were being delivered that my limit being reduced the day of was wrong, He stated and I quote " You didn't inform us that you were going to have late payments when you applied for our credit card, did you? '' which was inappropriate and wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I am requesting to have the credit freeze removed from my Credit file I am unable to pull my credit file to conduct my financial business. 
Please see my attached documents SS Card, Rental lease and Statement bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tuesday XXXX, my husband and I submitted ONE construction loan application with only our bank because we trust our bank with our assets and information. Wednesday XXXX, a disturbing amount of calls and text messages to my cell began. By Thursday XXXX, I received over XXXX calls from lenders. Some, like XXXX XXXX, stated that they were given our social security numbers and credit scores from the credit bureaus. Some mentioned XXXX specifically. One mentioned XXXX XXXX ( the company that ran our credit for the bank ). Selling our private information to hundreds of companies should be a violation of our privacy and safety. When our bank ran our credit, we trusted that our information would be safe. We had no idea the credit bureaus would sell our information. 

I wasted the last three days answering calls, signing up for accounts to freeze our credit and add fraud alerts, signing up for opt-out prescreen and the do not call registry, and researching what to do and how this could even happen. It is our choice who we apply with and not a credit bureau 's. Consumers should have to opt-in for trigger leads and sign up for accounts for their information to be shared and not the other way around! We werent interested in working with other lenders or having the credit bureau send even one of the more than 100 lenders to my cell phone. 

Everyone I communicated with at XXXX claims XXXX never shares phone numbers, credit scores or socials. That is a lie. All of the lenders obtained our phone numbers through XXXX, XXXX and Equifax from their trigger lead, prescreened and pre-approved programs. They also shared our information with scam callers. Before Wednesday, my cell rarely received phone calls. Now, I cant get work done because of the calls and stress. When I ignore the calls, they just keep calling back. Im forced to answer to plead with the lenders to stop calling. Our financial security is at risk thanks to the credit bureaus. Their trusted partners now have all of the identifying information needed to access our money and create accounts in our names. 

I attached some of my call log from Wednesday to Thursday XXXX. No one should have to go through this and be punished for working hard to maintain good credit. Its shameful to pretend the trigger lead and prescreened practices are to benefit consumers. It's all about money and not caring who the credit bureaus harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, 2018 my bill did not go through Barclays Bank Delaware - account with XXXX missed payment. I am kindly requesting Barclays Bank Delaware to remove this missed payment from my credit reports. Previously I received response from your company. 

'Upon review, your XX/XX/2018 billing statement closed with a minimum payment of {$27.00} due by the XX/XX/2018, due date. As no payment of at least the minimum amount due was received by the due date, a late payment fee was assessed to your account in accordance with your Card member Agreement. We received your payment on XX/XX/2018. As the account did not go 30 days past the statement due date, no negative reporting took place. Additionally, we confirm that your account has no delinquencies reported as of the date of this letter. I have enclosed copies of the associated statements for your reference. ' I am asking about the late payment on XX/XX/2018. See attached screenshots.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been denied credit several times over the last year due to Equifax having a freeze on my credit report. I have contacted their credit freeze dept several times to address this issue only to be told that there is not a freeze on my credit.
Product: Credit reporting or other personal consumer reports

I have contacted this credit reporting company about the accounts, charge off accounts, and collection account ( s ) listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX XXXX XXXX specifically 15 U.S.C. 6802, which governs the privacy and sharing of consumer information. This company is reporting fraudulent inaccurate information on my credit report. Also they have accounts listed as ( CHARGED OFF ) I have never been provided a ( 1099-c ) tax form. I asked how can they show ( CHARGED OFF ) and report a balance? I have requested that they provide the purchase agreement to show full ownership of such accounts and also other documents so I may review to see if I opened said accounts and if said accounts belong to me. They responded as " account verified '' I asked for proof of how they verified these said accounts. I have yet to receive proof of debt validation from this company. 
ACCOUNTS : 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 XXXXXXXX
Product: Credit reporting

My credit score was XXXX but I have apply for a car loan at XXXX deller and some else has been us my information to etame crited in my name and there are to things on that are not my and not responsible for that be long to my ex-wife is santander consomer and that won removed that and remove all inquire witch I have not apply for credit
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX FL XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 3. XXXXXXXX XXXX XXXX   XXXX XXXX FL XXXX 4. XXXX XXXX XXXXXXXX XXXX XXXX  XXXX FL XXXX FRAUDULENT NAMES : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX T XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6.  XXXX XXXX XXXX 7. XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelle 's handling of disputes, especially in light of the recent CFPB lawsuit that highlights significant issues with the platform. Despite using Zelle many times and reporting discrepancies, my financial institution and Zelle failed to adequately investigate my claims. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I found inaccurate reporting on my consumer/ credit report pursuant to 15 USC 1681, Fair Credit Reporting Act. I also saw violations of 16 CFR 313 Privacy of Consumer Financial Information. As well as a violations pursuant 15 USC 6801 Protection of Nonpublic Personal Information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Equifax about an inaccurate report from a third party company. I submitted my evidence that the report was inaccurate and the source of the record does not give that type of information out. I disputed the information for it to be removed and Equifax refused to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of fraud resulting in police reports fraud and home invasion robbery I am requesting to have this account deleted off my credit report thanx much
Product: Credit card or prepaid card

Klarna has made it exceptionally difficult to make payments to an open account. They do not allow payments to be made by telephone, despite my efforts to do so on XX/XX/2023. Klarna has made it exceptionally difficult to keep personal access to an open account. They recently made it a policy where you have to authenticate by access code through both email and wireless text. Authenticating with one should be enough, but they require both at the same time, and should your number change, like mine did, they can not update your phone number and restore access to your account unless you provide current photo identification through an automated process ( and customer service representatives can not do anything to help you in this automated process ). At the moment, I can not provide photo identification, because mine is expired, and being XXXX, I have not been able to go down to the XXXX and get a new card. Therefore, because of their corporate policies that deviate from standard practice, I'm going to be marked late in making my payment, affecting my credit score and financial stability.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I lease a car from American Car Center and American Financial on XXXX XXXX. Upon leasing this vehicle I gave a down-payment of {$750.00} and two more payments totaling {$500.00}. I gave them {$94.00} for registration and plates. I never received the registration nor the plates. My temporary plates have expired. I have been pulled over by the police. I called american Car Center and they told me it didn't come in yet. Two weeks went by and I reached out again. There was no answer nor anyone there. I found out through the media that they abruptly went out of business. In the lease agreement on page 4 number 39 it states any changes in this lease must be in writing and sign by the Assignee. I never received anything in writing nor a phone call. American Car center abandon the contract as well as the property. About 35 days went buy and a collection agency ( Westlake Portfolio ) calls me stating they took over the contract. Why I'm in collections I am not behind in the agreement. American Car Center states they don't share information with non affiliates. I am not affiliated of Westlake Portfolio or have I ever went in contract with them. American Car Center has violated my right as consumer. In accordance with the Fair credit act 15 USC 1681 states I have a right to privacy. Now this collection agency is calling me for payments. In fear of losing my car i started making payments to this company who i never had a contract with. I sent them a few payments. I ask them to show me a contract. They dont have one they have the contract that American Car Center gave them. They have not yet to this day sent me any paper work on how they are the owner of the contract. When there is no longer contract because American Car Center breach the contract. I also called ask Westlake Portfolio for a debt validation letter and i never receive one. This is a breach of contract for Westlake just as well. In my agreement with American Car Center they agreed to give me one year warranty. Westlake claim they have rights. If you have rights your responsible for whats in the contract. Westlake Portiflio who took over the contract states they will discontinue the warranty. This is also a breach of contract. I ask Westlake Portiflio who responsible for registration and plates. They promise when they contacted me they will find out. I still havent heard anything. But constantly calling me about payments. I can not register the vehicle or get plates. I have tried numerous times. I have been stop by the police because of this. My temporary plates have expired. I have been pulled over by the police. I constantly have to carry my receipt of the agreement on the registration and plates. Everyday i drive i live in fear of going to jail. Its very traumatizing. This also a breach of contract. Under Tila law I have been violated by American Car Center, American Financial and Westlake Portiflio.