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

My rights under the Gramm-Leach-Bliley Act, specifically 15 USC 6802 ( b ) and ( c ), have been violated by the improper handling of my personal financial information.

According to 15 USC 6802 ( b ), financial institutions must provide clear and conspicuous notice about their privacy policies and practices, including the categories of information collected and disclosed, and the third parties with whom the information is shared.

Additionally, 15 USC 6802 ( c ) requires that customers be given the opportunity to opt-out of the disclosure of their nonpublic personal information to nonaffiliated third parties.

The specific ways my rights have been violated are as follows : Lack of Proper Notice : I have not received any clear and conspicuous notice from the financial institution ( s ) responsible for the information reported to your bureau about their privacy policies and practices. There was no explanation of the categories of information collected and disclosed, nor a list of the categories of third parties with whom my information might be shared.

Failure to Provide Opt-Out Opportunity : I should have been given the option to opt-out of any sharing of my nonpublic personal information with nonaffiliated third parties. To date, I have not been provided with any means to exercise this right. 

Unauthorized Disclosure : Without the proper notice and the opportunity to opt-out, my personal financial information has been shared with nonaffiliated third parties. This unauthorized disclosure has led to the inclusion of inaccurate information on my credit report I have attached paperwork with the accounts in question and I have also stated what I would like to see happen.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I noticed some instances of late payments on an account tor which I have always maintained timely payments. consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative imagines information be reported with upmost accuracy. I have never missed a payment on my XXXX  XXXX  account XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to Furnish proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Checking or savings account

OnXX/XX/XXXX I opened a premier checking bundle online with First Citizens Bank in respond to their new account promotion ( see attached screenshot ). Per the promotion term, earn {$500.00} when open a new premier checking bundle and deposit and maintain a combined checking and savings of $ XXXX for 90days, and make 10 debit card transactions within 90days. I have met all the requirements but never received the {$500.00} bonus. When i contacted them to inquire about it i was given no response other than diverting me to the local branch for help, even though there is no branch in my city. I'm shocked by their lack of care and indifferent customer service attitude.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was checking my XXXX XXXX I had seen it went down. I seen XXXX new credit inquiries with XXXX different XXXX  company/bank, XXXX XXXX and XXXX. I never opened an account with them the only account I have is with XXXX XXXX. And they already spent money on the credit cards and I personally do not want to pay that back because its not me. Also, an account was opened with Wells Fargo also which was not me. I want these accounts closed and I want this to stop from now on.
Product: Credit reporting or other personal consumer reports

Good afternoon, I was checking today my credit report in Equifax and I realized that I have inquires that I dont recognize from these companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX all of them are made the same day XXXX XXXX 

I require to be eliminated please. 

Regards, XXXX XXXX
Product: Credit reporting

Dear CFPB, I have communicated with you before on another similar matter and had a very informative discussion with XXXX of your advisors. The complaint this time is specifically against Equifax which is something I do not enjoy doing. More than 45 days ago I sent original copies from my XXXX and XXXX credit reports to Equifax about a XXXX Bank account which does not belong on my credit report and was removed by the other credit agencies after a very detailed investigation. However, Equifax has not acted on this and also has not responded to my letters and information which specifically requested a timely response under the FCRA due to implications for my job applications requiring top secret clearance. My feeling is they are severly under staffed but in the end they must comply with FCRA investigation timelines and actually process the consumer complaint. They have not sent me a free complete copy of the Equifax file with updated information as I had also requested in my letter do to identity theft issues which they have already know about for 7 months. I have recently spent a fortune on signing up with XXXX different credit monitoring agencies in order to be able to pull full reports from all three bureaus at 7 day intervals due to the importance of this. This is driving me crazy since I have done everything legally required with no professional response from Equifax.
Product: Checking or savings account

I received four money orders from XXXX XXXX, that he purchased at XXXX, XXXX in the amount of {$1000.00} and XXXX in the amount of {$750.00}. I went in the JPMorgan Chase at XXXX XXXX XXXX XXXX, XXXX, NJ to deposit the money orders. When I was leaving out of the bank I went to the ATM, and I see the monies were on the account as available. I used the bank card to put a hold on a truck for purchase. When I went to use my card again, I couldn't withdraw any monies. I called the bank, and I was switched to the Fraud department because it was a restriction put on my account. I was told that they were going to hold it until the XXXX of XXXX. I waited until the XXXX and the monies were released, but I still had a restriction. I called to see why, I was told to hold on and then the guy told me after the hold that he was told by the financial institution that was supposed to pay that they were not going to honor the money orders, and I would have to get in contact with the guy who I got the money orders from to get the money back. XXXX went back to XXXX with me on the phone. XXXX said because he made them out to me that they could not give him the money back although they gave him a number to call for XXXX XXXX. XXXX which he called and he was told to request a because the money orders refund and upload documents needed. He did and was informed that the four money orders were cashed. I called the bank again, because the money orders were indeed cashed on the XXXX of XXXX. I was told that they are doing an in bank investigation. Which I was also told that they closed my account because they wanted to and they don't have to give me a reason although my monthly direct deposit comes in every month. And I was told when I called back again that a check was mailed to me for {$250.00} and then I was told that it didn't mail yet. Then that a check was mailed out to me XX/XX/XXXX for the amount XXXX XXXX XXXX XXXX and something dollars. I don't understand why than they say they got 60 -90 days to investigate.
Product: Credit card or prepaid card

I filed a recent complaint with Citicards regarding this exact issue. I have not been able to use my card ending in XXXX for over a month now. Citibank told the CFPB that the card was able to be used near the end of XXXX. That is a lie. 

When I log into my account at citibank.com, there is still a notice that displays immediately : " We apologize for any inconvenience, but to protect your account, further charges may be limited until you have contacted our Customer Service Department at XXXX ( TTY : XXXX ) '' When I attempted to use the card on XX/XX/18 it was DECLINED. Citibank has done NOTHING to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my XXXX XXXX XXXX fully for the credit report showing delinquent on this account and on my credit report. I want this fix immediately because the report is a false statement before i get attorney involved. 
Thank you!
Product: Money transfer, virtual currency, or money service

XXXXXXXX XXXX I was selling item for {$40.00} ( I have messenger text chain to confirm all of this ) XXXX  ' asked if I had zelle I do but never used Received email that money sent with a pending notice that I do not have business account. 
Received email stating that I have pending receipt of {$160.00} additional funds pending and secured total receipt will be {$200.00}. 
I need to refund the {$160.00} and deposit finalized I looked through email- stating not comfortable and reluctantly sent $ $ Received no zelle activity of money coming in sent request for $ $ - no reply sent messages that this is not right received 2nd email asking for more $ $ immediately called my bank and they filed a claim but will not refund my money XXXX ' zelle info : XXXX XXXX XXXXXXXX has XXXX  profile claiming not to be him. 
I deleted my email phone or any information from the messaging XXXX tried to send screenshot of XXXX XXXX XXXXXXXX deposit i said i need refund immediately or am calling police- i believe this is a scam he went off line
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act convergent accounts has violated my rights. 

Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX  15 U.S.C 1681 Section 602A 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 account without my written instructions.
Product: Mortgage

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an + open end consumer credit plan as late for dins purpose. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft XXXX XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately
Product: Credit card or prepaid card

I hold two credit cards with Capital Ones. I make my payments each month on the Capital One website. For personal financial reasons, I pay the amount owed to Capital One, on their Capital One website, the day before its due. It was my thought that by paying on their website the day before it was due, I could avoid late fess and interest payments each month. I learned that's not the case at all because even if I pay on their website, Capital One does not credit the account until Capital One receives the funds from my bank a day or two later. I could have easily avoided months, perhaps even a few years of LATE INTEREST PENALTY $ $ charges had I paid through my bank and NOT Capital One 's website. Its deceptive practice to lead a customer to believe that if they go directly to the lender with earnest payment before the due date, the lender would allow a grace period of 24 hrs of business and not insert a penalty the following day knowing that the customers directive to their bank is to allocate a set amount to be paid to be paid to a payee. There is no advantage to the customer to utilize their website. On this day a compliant was raised and the response given was " you should open an account with Capital One to avoid that delay ''. There is no delay. A confirmation from their website noting payment is being paid should be honored rather the trolling or coercion of opening an account-thus selling a financial product. There's a lot of spin language to their products and misrepresentation abra cadabra that needs sophisticated oversight. Their website for payment of credit charges is misleading. It's sold as a method to pay a bill timely and avoid charges and its not.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I faxed a request to Equifax to have a bankruptcy public record removed from my credit report. I included a request for removal, a copy of my driver 's license & social security card and a copy of my letter from XXXX. The letter from XXXX XXXX was received on XX/XX/2020 and stated that they were unable to verify the bankruptcy info included in my consumer report so they removed it. I received a response back from Equifax dated XX/XX/2020 stating that " The information you disputed has been updated ... The bankruptcy is currently reporting as discharged ''. The letter also states that the public record item they obtained was by XXXX. I did not request a change, I requested a removal of the item based on XXXX not being able to verify the information. I spoke with a XXXX rep on XX/XX/2020 and was informed that there is no public record on my consumer report and that no one has requested a copy of my report within the last 30 days.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION WAS RELEASED TO THE PUBLIC VIA THE XXXX, TRANSUNION, AND XXXX XXXX BREACHES AND SOMEONE WAS SUCCESSFUL IN OPENING UP ACCOUNTS WITHOUT MY CONSENT AND AUTHORIZATION. I NEED THESE ACCOUNTS REMOVED AND DELETED FROM MY CREDIT FILE IMMEDIATELY BECAUSE THIS IS SEVERELY HURTING MY REPUTATION WITH THE BANKING SYSTEM. IM STRESSED AND DEPRESSED AND I WAS TOLD TO SUBMIT A POLICE REPORT AND A FTC REPORT IN WHICH WILL BE ATTACHED TO THE THIS COMPLAINT. IT IS INDEED MYSELF MAKING THESE COMPLAINTS AND NOT A THIRD PARTY AND THIS WAS NOT DONE IN ERROR. IT IS THE LAW TO HAVE SAID UNAUTHORIZED ACCOUNTS AND INQUIRIES REMOVED FROM MY REPORTS 4 DAYS AFTER RECEIPT AND THE CONSUMER REPORTING AGENCIES ARE BREAKING THE LAW
Product: Debt collection

I owned a house at XXXX XXXX XXXX in XXXXXXXX XXXX XXXX. This house has a rental XXXX XXXX. I paid the yearly bill for the rental at the beginning of 2023. Thus is always when the bill was due, and it was billed yearly. 
I sold this house in XXXX of 2023 and am still being billed for the now monthly rental as the company changed from XXXX XXXX XXXX XXXX. 
I have called the company and have repeatedly told them that I do not own this house and I do not owe on this rental XXXX XXXX. I have asked XXXX to send the rental bill to the new homeowner. Instead, they are sending the bill to XXXX XXXX XXXX XXXX XXXX XXXX with my name as the addressee. The post office forwards the bill to me automatically as I have moved to XXXX. I continue to call them every month to try and fix this. I tell them to send the bill to the new Homeowners, XXXX XXXX XXXX XXXX. The new homeowners have the account now in their name. I am in contact with them regularly. 
XXXX continues to send me the bill and they have turned me in to collections. The agency is A.R.M. Solutions, California License No. ; XXXX. Client phone ( XXXX ) XXXX. XXXX Acct # XXXX. XXXX Acct # XXXX. 
I have no way to get them to change this and take my name off of the account, as calling them repeatedly does not work. 
They have told me, on the phone, that this is taken care of, then I get a new monthly bill that keeps going up.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # Case XXXX FTC # Report Number XXXX Attorney General Attachment also included. 


NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 United AutoXXXX is violating 15 U.S.C. Sec. 1681i ( a )? I want this accounts deleted since its not being reported correctly. I called and confirmed with XXXX that this account is being reported open and also has been charged off, which is an illegal violation. I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please reinvestigate and delete off my report, or else I will be seeking {$1000.00} in Monetary compensation per violation. 

Once an account is charged-off it should never appear as open. With a charge-off the original creditor is declaring the debt to be uncollectible. It could be that the debt has gone to a collection agency and what you may be seeing is an open account in collection. Collection accounts are reported with an open status, until the debt is paid or the collection agencys authority to seek payment is terminated.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

XXXX  has tried to get me to pay for a bill for XXXX XXXX for a few years now. The debt is not mine. They have put it onto my credit report 3 times by 3 different debt collection agencies. Each time I dispute the charge and it is immediately taken off my credit report because XXXX does not have the correct social security number. I have sent in packets that they have asked me to fill out 2 different times and each time its always some kind of hold up. Or I need to contact this department or that department. Its always a run around. As of right now if I go to XXXX I cant get any of there services because of this issue.
Product: Vehicle loan or lease

Already filed one complaint with your agency and have been talking to the bank in regards to this matter. I did authorize 1 payment of XXXX to be withdrawn from my USAA checking account. The bank decided to take more than authorized which was {$750.00}. I did not authorize that amount to be withdrawn.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I requested that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. 

Accounts Disputed : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have an " Amazon XXXX Rewards Visa Card '' that is administered through Chase. I hadn't been using this card, but began to recently. I therefore tried to register the card on the Chase website so that I could manage it, and called the company to get the account number and CVC. I spent three hours on the phone with them, and kept being told the account doesn't exist ( but they kept referencing an old account from 15 years ago ). They then removed my ability to use the card online. I do not know what the balance is, have never received a statement, I don't know what the interest rate is, and have no ability to access information on and pay on this card. The company has been useless in trying to assist me.
Product: Checking or savings account

XXXX XXXX ( XXXX ) from XXXX XXXX XXXX XXXX asked me to push XXXX transactions mentioning its just a temporary hold and the transaction will disappear from statement within 3-5 months. 

It never did and that man stole {$1600.00} from my account. Followed up back on cell phone XXXX XXXX XXXX XXXX says the bank can chargeback and claims that their employee have stole consumer information to further steal money from various people. 

I have opened several cases with Citibank to chargeback but no updates when called, no one chats online, no one gives correct information on call, usually they say they escalated but no response, case is closed usually before receiving the required documents supporting my case. 

Citibank is not giving the investigation papers used in investigation.
Product: Credit reporting or other personal consumer reports

I am requesting an immediate investigation into these accounts as they appear to contain incorrect, outdated, or fraudulent information. Please verify the accuracy of these accounts and provide supporting documentation proving their validity. If the information can not be verified, I request that the accounts be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ).