23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has been trying to collect a debt that is not enforceable for a number of years. I used to be a member at XXXXXXXX XXXX XXXXXXXX in the XXXX XXXX area . It was a non contract month to month membership that could be cancelled at any time. I informed management that I would be moving to XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and would no longer be using their facilities. They had me sign a little touch pad and told me I was good. Apparently ; I wasn't. I am nearly XXXX miles away from any XXXX XXXX XXXXXXXX facilities and am a member at XXXX XXXX which has facilities NATION WIDE including in the XXXX XXXX XXXX There is no reason I would have kept this membership as I visit XXXX for a week maximum every eighteen-months. XXXX and XXXX have already removed this from my report ; however, the company themselves have not removed it from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never incured debt with XXXX XXXX XXXX XXXXXXXX XXXX I have disputed this successfully with both XXXX and XXXX ; however, for some reason they are still on my Trans Union report . 

At the time of the alleged debt that was incured I had full medicaid for myself and my family and had for many years prior. Even if there was XXXX XXXX rendered- it should have been well handled by my XXXX. This is clearly a billing error that I was not aware of and then was pushed to collections. 

What's more this is an open ended non contractual debt ; which in Nevada, the statute of limitations states that it can only be collected and reported upon for XXXX years after the service was rendered or last payment recieved. As most companies take a minimum of XXXX to XXXX months to collect debt privately and this debt was accquired by XXXXXXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX it would make it WELL beyond statute for both unsecured open ended debt of 4 years as well as secured and written closed debt of 6 years.
Product: Payday loan, title loan, or personal loan

This account was opened without my knowledge. It is now a growing account started at {$2000.00} and is now up to {$18000.00}. I called company requested any info and the refused telling me that no info can be given to me since I claimed it to a fraudulent account, and I was hung up on. Every month this company since 2014 has reopened in credit report and has added a {$240.00} charge making balance in credit report sky high.
Product: Credit reporting, credit repair services, or other personal consumer reports

As an XXXX XXXX XXXX VETERAN, My Fair Credit Reporting act consumer rights have been violated. I am deeply concerned by the acts of these companies and how they have portrayed me with the constant violations reported on my credit report. It has brought great shame to me and my family. My life since coming back over seas has been in shambles with the loss of family members, XXXX, AND dealing with XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). I am unable to live a regular life due to these acts. 


The account listed below has violated my federal given consumer rights to privacy amongst other things. 


Account name- XXXX XXXXXXXX XXXX Account # XXXX Account name XXXX XXXX XXXX XXXX Account # XXXX Account name- XXXX XXXXXXXX Account # XXXX Account name- XXXXXXXX XXXX XXXX Account XXXX XXXX Account name- XXXX XXXX Account # XXXX Account name XXXX XXXX  Account # XXXX Account Name- XXXX XXXX Account # XXXX 15 USC 1681a ( 2 ) ( a ) ( i ) states that consumer reporting agencies can furnish a report under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report. 

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy. ( My privacy has been completely ignored as these companies contact me via phone, Email & mail in order to garner attention to these accounts Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermined public confidence with is essential to the continued function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX, XXXX, and EQUIFAX violating my consumer rights by allowing these late payments/utilization/chargeoffs to report to my consumer report!
Product: Debt collection

On XX/XX/2019, I filed a compliant against XXXX XXXX through CFPB because I had not received any written communication to verify the debt they claimed I owed for 5 months but was paying {$100.00} each month to them. The XXXX complaint came because even though I called 3-4 times each month from XX/XX/XXXX-XX/XX/XXXX, every phone conversation with a representative of XXXX XXXX was ineffective in obtaining clear information pertaining to my debt. The XXXX complaint was requesting that paperwork be sent outlining the account summary for my debt and providing proof that the {$100.00} payment each month was helping to reduce my debt. After the complaint a packet was sent to me but the paperwork was hard to read and did not clearly show how paying {$100.00} for 6 months helped lowered the amount I owed. 

I called XXXX XXXX on XX/XX/2019 after receiving the packet to get clarification on what the document was communicating. In my interaction with the representative she aggressive and dismissively informed me that my file was no longer in their facility. I asked why that was and she replied that she did not know because the file was not here. I asked how do I move forward with paying my debt off and she informed me that I should contact the original debt provider, Universal Technical Institute. She informed me that her manager would contact me to provide more information because she could not. The manger never called and still has not called, today is XX/XX/2019. 

I called Universal Technical Institute on XX/XX/2019 to get information about where my loan was and why it was being moved and if it can be moved back to Universal Technical Institute. A representative there said that once the debt is given to a collection agency it can not be given back and that XXXX XXXX by law has to provide information about where my loan is being transferred to and why it is being transferred. She encouraged me to call them back. I did and they have not picked up or called me back. 

The lack of communication along with the fact they incorrectly state my name on all documentation I have receive, is the reason I am complaining. This current complaint is about not receiving any information verbally or wirtten about why my debt is being transferred somewhere and why XXXX XXXX is incapable of providing quality service to people who are willing to pay down debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an abundance of credit inquiries on my XXXX, Transunion, and XXXX  credit reports that I did not authorize. I have reached out to the credit companies asking for documentation with my signature stating I agreed for these companies to pull my credit and none of them was able to provide any information nor do they have any information for me in their system. My XXXX file is frozen and that is who these credit reporting agencies state they verify the inquiries. I have been a victim of Identity theft for quite some time. If the credit card companies could not verify any information with me I AM 100 % POSITIVE THEY HAVE NOT PHYSICALLY PICKED UP A PHONE TO SPEAK WITH A LIVE PERSON CONCERNING THIS MAJOR PROBLEM. The inquiries that was not authorized are : XXXX   XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX. Remove these inquiies they are unauthorized.
Product: Checking or savings account

On the morning of XXXX XX/XX/2018 I attempted to use my Chase Bank debit card to purchase {$500.00} in cryptocurrency from XXXX, a U.S. based crypto currency exchange that practices KYC and reports large transactions to the IRS. The purchase was rejected and a subsequent Email from XXXX stated " When we attempted to process this transaction it was canceled by your bank. '' There was over {$600.00} in that checking account, so later on the XX/XX/XXXX I went to my Chase branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX and asked my Private Client Banker why I had been unable to use my funds to make the purchase. She made a phone call to find out and then explained that Chase Bank did not consider purchase of cryptocurrency to be a legitimate transaction and that rather than be involved in a scam involving their customer they would also refuse to honor an ACH payment for such purchases. I expressed my displeasure at not being allowed to legally use my funds as I saw fit, and she quoted Chase CEO XXXX XXXX on the evils of cryptocurrency and brought up an anecdote of a customer duped into financially supporting terrorism. Where does this interference in a customer 's legitimate access to their own deposited funds end? No purchases of liquor or guns or birth control or donations to the " wrong '' political party if the bank CEO so chooses? Thank you.
Product: Credit reporting or other personal consumer reports

Im contacting because my information was used to open a credit card with XXXX for a balance of {$5000.00} I dont recognize his account nor did I give anyone permission to open an account using my information I have already filed a claim with the federal trade commission about this matter I am requesting that this account get removed from my credit profile because this was not my account nor did I have anyway knowledge of this account being opened!
Product: Credit reporting or other personal consumer reports

I reviewed my Equifax credit report on XX/XX/XXXX, and identified a collection that requires further clarification. I have contacted the collection agency, but they have not provided a contract or documentation verifying my liability for the debt listed below : XXXX XXXX XXXX ( {$100.00} ), opened XXXX XXXX, XXXX account number : XXXX Under Section XXXX ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are obligated to provide verification of debts upon request. Additionally, under Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

Your Name : XXXX XXXX Your Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX Credit Bureau Name : Experian Credit Bureau Address : XXXX XXXX XXXX XXXX, TX XXXX Last 4 of SSN : XXXX RE : XXXX To whom it may concern, I am contacting you because I have found some information that is inaccurate on my credit report. You are reporting a late payment on ( XXXX ) on the account ( XXXX XXXX XXXX XXXX XXXX. 
This is not true, I was not late on ( XXXX ). I request that you verify the information and update the payment history on this account as PAID, NEVER LATE immediately. 
After doing so please provide me with an updated credit report reflecting the changes. 

Best Regards, XXXX XXXX
Product: Debt collection

On XX/XX/2019 a letter from Aldous & Associates was mailed to me in an attempt to collect a {$60.00} debt due to XXXX XXXX. I've previously cancelled my fitness membership with XXXX  about a year prior to this letter, and have had several e-mails sent to them about this issue. I have cancelled my membership and yet was being charged month after month.
Product: Mortgage

Ditech switched over their computer system in XXXX 2016, which caused account numbers to change and Ditech actually delayed cashing of checks used for mortgage payments. It took close to 5 months for Ditech to straighten this out. Ditech had my account ending in XXXX ( I have XXXX accounts ) as being paid more than 30 days late in XXXX 2016, despite the fact that I actually send my payment on time every month. I have proof of this. In XXXX 2016, Ditech was still trying to correct their error when they retroactively backed out my payment that was made 3 weeks earlier and put it in escrow, therefore throwing the account in default and in the collections department. I am now in the process of refinancing several mortgages and am having difficulty with this late payment showing up on my credit report. I actually disputed with the credit bureaus, but Ditech has so far refused to correct the erroneous late payment listed. This will cost me tens of thousands of dollars more due to high interest rates because of this error by Ditech. I filed several complaints with the Consumer Financial Bureau, so this situation is well documented.
Product: Debt collection

Jefferson Capital Management -Partial Account # XXXX. XXXX is alledged to be owed and is illegally reporting on my XXXX XXXX and XXXX credit reports. 
I dispute this debt in its entirety and was not given the opportunty to dispute this alledged debt that does not belong to me. Therefore, I will testify to this in a court of LAW. Jefferson Capital Services has commited very serious violations under the FCRA and FDCPA. 
I demand PROOF that I received the notice affording me the opportunity to dispute this alledged debt because I will sware under oath that I received absolutely NOTHING from your agency Jefferson Capital Systems initially inserted an alledged debt before sending me the notice/information as required under Law. 
I demand proof that I received the lawfully required information before your agency placed this erroneous information on my credit reports. 
I request proof in the form of mailing receipts etc. as proof of my receiving what is required under law. 
Additionally, my Privacy rights are being violated and I will seek legal representation to obtain monetary compensation as well if Jefferson Capital does not remove this erroneous information immediately.
Product: Bank account or service

Consumer Finance, I contacted Navy Federal Credit Union ( NFCU ) on XX/XX/2017 to reactivate an old savings account over the phone. During that time on the phone with NFCU at NO time was I informed or authorized anyone to hard pull my credit. On XX/XX/2017 I was then notified by my Credit monitors XXXX, and XXXX that NFCU pulled a hard pull of my credit w/ out my authorization. I contacted NFCU customer service regarding this and they suggested I file a dispute with XXXX to fix the issue. I contacted both XXXX, XXXX, and XXXX to dispute this incident due to the fact I did not give permission for this pull or was I neither informed by NFCU it was going to be pulled. XXXX provided me with instructions to dispute NFCU 's mistake ; I contacted NFCU the same day to start the dispute process. All NFCU needs to do is to provide a letter. To be exact a Deletion Letter for Inquiry. Then I am required to mail said letter myself to XXXX along with a Cover Letter, and my XXXX File # XXXX. TransUnion will then be able to delete NFCU 's unauthorized mistake from my credit. Unfortunately, NFCU will not provide me with such letter after many attempts requesting it. I even suggested NFCU to call me so I could conference them in with XXXX so they could repeat the process to NFCU to fix the issue NFCU created. Consumer Finance thank you for taking the time to look over my issue and helping to resolve it. Respectfully, XXXX
Product: Credit reporting or other personal consumer reports

Today XX/XX/12 I checked my TransUnion credit report and saw a notification that my score dropped XXXX points due to an inaccurate reporting. The account is XXXX XXXX - XXXX XXXX The account was closed and have been reporting closed for over 1 year as a charged off account ( with a balance still reporting ). Now on XX/XX/12 after checking it shows the account as opened ( see attached ) with 229 % utilization on an already closed account. This inaccurate information not only dropped my score but puts more distrust in these CRA and banking systems more than ever.
Product: Credit card or prepaid card

Home Depot promoted {$50.00} off my purchase of {$300.00} or more when approved for a Home Depot credit card on XX/XX/2022. I signed up and was approved on the spot and input my new card information for the purchase, but no discount was creditted to the purchase before completing my order. I called their card services and the XXXX  representative told me it would be taken off my XXXX statement once i paid off the XXXX statement balance. I informed him that was not what was advertised and requested to speak to a supervisor. The supervise informed me the first representative was incorrect, and I will receive a {$50.00} credit on my first statement, reducing my amount due for my XXXX  statement from {$360.00} to {$310.00}. That was not what was advertised, but I found this to be acceptable. Today, i received my first statement and there is no credit applied to my purchase, meaning The Home Depot has failed to abide by the terms set forth and agree upon when my line of credit was opened. This is false advertising and breaking legally binding agreements between two parties and needs immediate resolution. I should not have to reach out multiple times to receive a promotional discount due to me and receive a run around. I was told this discount will take approximately two weeks to be reviewed, which is pushing the due date on my statement.
Product: Credit card or prepaid card

U.S. Bank sent two letters containing Visa Debit Cards to our address on XX/XX/2021. One Visa Debit Card is in the name of XXXX XXXX and one Visa Debit Card is in the name of XXXX XXXX. These cards supposedly link to existing checking accounts at U.S. Bank. However : ( 1 ) Neither of us have existing checking accounts at U.S. Bank, ( 2 ) Neither of us solicited a bank account at U.S. Bank, and ( 3 ) Neither of us solicited a Visa Debit Card. We have attempted to call U.S. Bank at the phone numbers provided in the letters but are only able to access an automated system which will not proceed without us establishing accounts and activating these cards. We are concerned here that one of two things has happened : either ( 1 ) we are victims of identity theft and some third party is trying to establish accounts in our name, or ( 2 ) U.S. Bank is engaged in bank fraud. In either case, we request the assistance of the Consumer Financial Protection Bureau. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was brought to my attention that a closed charge off account that was charged off back in XX/XX/XXXX by XXXX XXXX was now reporting negatively as an open collection account. I am in the process of purchasing my first home and the underwriters wanted to know about the collection account that was reporting on my credit bureau from LVNV Funding LLC in the amount of {$640.00}. I called XXXX XXXX to have a letter sent to me stating that the account was charged off back in XX/XX/XXXX and they stated that they could not do so. Today, XX/XX/XXXX, I receive notification that I have a new negative remark on my credit report and to my surprise, LVNV Funding LLC is now reporting the account as " OPEN '' and that it is an active collection account, 3 years after the account was charged off by XXXX XXXX. This is delaying my ability to get my first mortgage and this company is not willing to send my last statement that I had with XXXX XXXX so I can provide proof that the account was charged-off. The reason for my complaint is because of this company 's deceptive and unethical reporting practices causing the once 3 year old closed charged off account as an open and active collections account. I would like for this " collection account '' to be taken off my report completely due to their manipulative, deceptive, and unethical ways of doing business and for not providing me with my last statement that I received from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Non-compliance with the Gramm-Leach-Bliley Act ( GLBA ) and Improper Credit Reporting To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX failure to honor my privacy rights as delineated under the Gramm-Leach-Bliley Act ( GLBA ), particularly referencing 15 U.S.C. 6802-6805, 16 CFR 313.2, and 16 CFR Part 313. This complaint also addresses the improper reporting of a charge-off on my credit reports maintained by XXXX and XXXX. 

Despite my explicit request to opt out of any sharing of my nonpublic personal information with non-affiliated third parties XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has not complied with the obligations set forth by Congress under the GLBA. As per my understanding, financial institutions must protect the security and confidentiality of customers ' nonpublic personal information ( 15 U.S.C. 6801 ) and are required to provide customers with a reasonable opportunity to opt out of such disclosures before they occur ( 16 CFR 313.8 ). 

Moreover, I have not received any notices from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) informing me of my right to opt out, which is a clear violation of the requirements to provide initial and revised privacy notices ( 16 CFR 313.4 and 313.8 ). This lack of communication has deprived me of the opportunity to exercise my opt-out rights and has led to the unauthorized sharing of my sensitive information. 

Additionally, I would like to bring to your attention the erroneous reporting of a charge-off on my credit reports. A charge-off, under certain circumstances, can be considered as income and should not be reflected as an outstanding debt on my credit report. This misreporting has unjustly affected my credit score and potentially my financial reputation. 

Furthermore, as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are both publicly traded entitys, they both have fiduciary duty to its shareholders to accurately represent financial transactions. As a stakeholder and in my interactions with the institution, there has been an expectation of adherence to both regulatory compliance and ethical financial practices. 

In light of these concerns, I urge the CFPB to take immediate action to investigate these violations of the GLBA and to enforce corrective measures againsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I also request that the CFPB facilitate the removal of the incorrect charge-off entry from my credit reports with XXXX and XXXX. 

I have attached a copy of my previous opt-out request letter, witnessed and notarized on the XXXX XXXX XXXX XXXX XXXXXXXX  for your reference. 

I appreciate your prompt attention to this matter and expect a timely resolution. Please contact me if you require further information or documentation to assist with this complaint. 



Attachment : Opt-Out Request Letter Notarized on XXXX-