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

I am writing to file a formal complaint against XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Blley Act ( GLBA ) to opt out of such information sharing. and I believe my privacy rights have been violated On XX/XX/2024, I notified XXXX XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 
I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. 
Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 
This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm.. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers ke me. 
Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by XXXX XXXX. 
Please feel free to contact me if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.
Product: Credit reporting or other personal consumer reports

Im writing you today to inform you that I'm disputing erroneousinformation on my credit file. In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

: 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 a accounts without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was informed on XX/XX/XXXX when XXXX left a voicemail from the number XXXX ( unknown on caller id ) that I needed to immediately contact a member at Caliber Home Loans. I immediately returned the voicemail message and told XXXX ( she would not give her last name ) that the outbound phone attempts outlined above could not leave voicemails. Still, once a borrower has been flagged as " past due, '' messages can be left, which in my case was 40 days later. I'm not sure about other people, but I receive many spam calls and am not inclined to take any random calls. Therefore, when a voicemail is left, I'm quick to listen and quickly return legit messages. 

Considering that I did make our standard monthly payment of {$2400.00} on XX/XX/2022, through XXXX XXXX XXXX, I have always paid on time and was honestly unaware of the variance in price taking place in XXXX of a difference of {$280.00}, it seems questionable in lending practice and regulation. Furthermore, to learn that delinquency was reported to the credit bureaus that I missed a payment in XXXX ( whereas I was only made aware of the missed amount on XX/XX/2022 - almost 40 days later by Caliber Home Loans, seems like an unethical business practice. 

This situation has significantly impacted my credit score, and I'm discouraged by a lending company 's integrity and the practices that transpired. It is more of a " we gotcha '' practice than " we're here to help '' by servicing your loan as our customer practice. If I missed a payment altogether, I'd own the responsibility. But a delinquency filing on my credit score is simply unacceptable for hard-working American taking pride in every detail of my life to get slapped for a minimum delta in the discrepancy of {$280.00}. To state for the record, as soon as I learned of this variance, I immediately paid the delta and adjusted my bank, which is set on autopay for the new statement amount. 

In thinking about better customer service as an organization ahead, how about offering email notifications or sms text messages vs. random XXXX numbers. 

I have asked to have a manager call me back ( with no return call from XXXX or the manager ) if there is anyone at Caliber 's organization that would be able to reverse the filing against my credit score? I also asked for a contact within Caliber Home Loans that would be able to be shared with whom I can further communicate with?

To date, the delinquency has not been removed, I never missed a payment or heard back from a manager or someone of influence from Caliber to help me. 

I appreciate your help! 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, 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 has already removed XXXXXXXX XXXX and XXXX XXXX and according to 15 USC 1681 N you should delete this immediately as well to be in compliance.

I did not authorize the following above inquiries and would like them removed immediately.
Product: Debt collection

The creditor call me XXXX times in a XXXX time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I filed a complaint against XXXX, due to reporting my account XXXX days late. The company stated my due date was XX/XX/XXXX but I received a text and email stating final payment was due XX/XX/XXXX, which the payment was made XX/XX/XXXX. The company agreed that caused confusion, therefore, they decided to remove the negative reporting completely from my credit report. A few weeks ago it was removed but was added back on XX/XX/XXXX to my credit reports. I hope this matter can be resolved.
Product: Credit card

I used Target Red Cards online system to submit a large payment for 100 % of my balance due on XX/XX/XXXX ( > {$7000.00} ). The funds were pulled from my checking account on XX/XX/XXXX and reflected on my published statement. The statement indicated 100 % of my credit was available as a result. On or about XX/XX/XXXX I was declined when paying for a purchase. I checked on lien to see my available credit was {$0.00}. In contacting the company via phone and online message I was advised that they have the right to hold back credit until they confirm payment has been received. They failed to clarify what the legal or reasonable standard for this was. I checked daily and it was >14 days before my payment was fully reflected by TD Bank US in that my available credit was restored. The company has repeatedly failed to explain what allowed them to do this for over two weeks. In the XXXX  banking world, authorized ACHs should be credited and visible within 48 hours and the ability to pull back the transaction is short. Their practice of not officially posting this to my account for two weeks and restoring my available credit is fraudulent and deceptive. I personally was not harmed as I had another card to use ( outside the mild embarrassment ). I would like to see them fined for such a pracitce.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1684 section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB 's lawsuits highlighting significant issues with the platform. Despite using Zelles numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. 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: Mortgage

In XXXX of 2017 I applied for a mortgage from Integrity First Financial Group. 
I was told that I would easily be approved for a mortgage and after submitting the required documents, my mortgage was approved for {$800000.00} with a 15 % down payment. Then company charged me {$400.00} for a professional appraisal. The appraisal came in as expected but the approval was withdrawn when I refused to accept loan conditions different then what was specified in the approval letter. I was not refunded the {$400.00} that they charged me for the appraisal as I requested.
Product: Checking or savings account

I get my Direct Deposit Payroll from XXXX/Chime Bank XXXX 
I transferred {$300.00} dollars on XX/XX/scrub>XXXX XXXX XXXX XXXX from my Checking account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX was given a " pull back " or recall order to NOT PAY per a GREAT Lady named XXXX who assisted me in this matter! I DID NOT request this to be done! I XXXX % WANTED my funds to be kept with XXXX in the hopes to buy Stock/ shares in the future. 
I'm seeking for my money to be put back in my account. The " stop '' was given to XXXX XXXX XXXXXX/XX/year> and their saying they only did what they were told by Chime!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

i am victim of creditors and attorneys, due to sudden XXXX of my husband Mr XXXX XXXX with XXXX XXXX, i end up with XXXX XXXX so my family went into disaster of life. 
i defoulted into late payments for mortgage, we owed bank very small amount of money compare to loan we took, i payed them regularly until husband XXXX.i got sick, bank forclosed and auctioned the house, i begged and pleaded the forclosure attorney to give me three days to get money out of my 401 k to pay off remaining loan balance they told me someone will contact me next day, no one called me back when i called them next day they would not take my call, later following day for closure attorney said your house is allready auctioned you have to get out of the house.bank used up 18 yrs of equity i had in the house,18 yrs of payments,XXXX dollar down payments from saving, all went away. 
now i cant have any decent home for my family, i am thrown into creditors and credit repairs and collection agencies, this is the dream of american family, we buy houses we pay mortgages when hard time come or husband XXXX, then family get thrown out and loose everything, except loosing bad credit, bad credit is labelled on me now, after loosing everything ... ..
Product: Debt collection

Good day, I can not stress enough how frustrating and overwhelming this situation has been. Imagine waking up one day to find yourself burdened with a debt you know nothing aboutunverified and absolutely not yours. To make matters worse, Ive been subjected to harassment through various communication platforms, often accompanied by threats of legal action. I never thought Id start my mornings with such stress and XXXX. As a law-abiding citizen, this is not only insulting but also a blatant violation of my rights as a consumer. This situation has taken a significant toll on my mental health, leaving me sleepless for days.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent inquiry on my TransUnion Credit Report, from XXXX- Inquiry Date : XX/XX/2023. I have attached a letter from the credit, showing that this inquiry should be removed effective immediately. Please accept this official letter as evidence to remove this fraudulent inquiry from XXXX XXXX Date : XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX  Account- XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX account # XXXX XXXX Dept of Education/XXXX  account XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 604 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 a account without my written instructions.
Product: Credit card or prepaid card

There was money on my card, and I purchased things but the transactions did n't show or approve the amount s in two da ys. I have an app which sends my money to my card but it 's not processing my payments because my transactions from the bank are n't being successful, it still says processing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning After recent checking my Transunion credit report, I noticed several credit inquiries and these inquiries does not belong to me because I have left the United States back in XXXX below are these inquiries XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

You were notified that the account XXXX is inaccurate and failed to correct or verify this account. Stop reporting for FDCPA non-compliance of inaccurate data furnished on my consumer report. I also submitted proof that my personal information was involved in XXXX data breach, and you still failed to investigate and provide a valid ID, copy of my ssc, or anything that would validate the alleged debt belongs to me. Lastly, my credit report will show that you are reporting inconsistent information to the credit reporting agencies such as the payment history and the date last active. The accurate reporting of this date is crucial for maintaining the integrity of my credit profile and ensuring compliance with the FDCPA. ORIONS MANAGEMENT GROU has lost all credibility with anything that they are reporting, and I will seek legal action if this account is not removed immediately. Please see the attached credit report and data breach claim id and remove the aforementioned account from my credit report.
Product: Bank account or service

On XXXX/XXXX/XXXX, I opened a checking account with Wells Fargo, XXXX, WA. During the timeframe, I was having problems with the checking account due to the systematic problems that Wells Fargo was having with our direct deposits and charges of {$35.00}. The direct deposits were being posted after the incoming bills so I was being charged NSF in the amount of {$35.00}. On XXXX XXXX, XXXX, I talked to XXXX, and she was did not assist me regarding my complaint. She informed me that my daughter who was attending college, I was added to the account, as I wanted to ensure my daughter had sufficient funds for room and board. XXXX, Executive Office, was providing me the information on the direct deposits that were being posted, and informed me that I went over some bills. Thus, being charged {$35.00}. I ask XXXX to mail me the transaction summary in order to review all direct deposits, checking accounts, and charges of NSF in the amount of {$35.00}. told her that I do not know what she is reviewing, and I would like a copy mail to me. She failed to acknowledged my request. XXXX, was unprofessional as she was speaking to me in an unprofessional manner and also too fast. In XXXX XXXX, my husband, filed a complaint with CFPB, regarding the {$35.00} which were approximately XXXX charges in three or four months period. XXXX, Wells Fargo, had contacted us in order to address the issue. However, nothing has been resolved. On XXXX XXXX, XXXX, I talked to XXXX, Executive Office, to inform her that my daughter was having problems with Wells Fargo and that she could n't transfer any money being with hold by Wells Fargo. She is on vacation, and could n't obtain money from her current checking or savings account because she is need of money. XXXX told me that she will try to get a hold of her.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting inaccurate information on consumer report. Information is inaccurate and accuracy is the main responsibility. Consumer report from XXXX and XXXX has been attached showing how the information has been removed for not being accurate and how Transunion is reflecting inaccurate information. Proof is attached XXXXXXXX XXXX is being shown on Transunion consumer report only XXXX XXXX XXXX XXXX  is being shown on Transunion consumer report only XXXX XXXX XXXX XXXX is being shown on Transunion consumer report only XXXX XXXX is being shown on Transunion consumer report only XXXX XXXX XXXX  XXXX is being shown on Transunion consumer report only XXXX XXXX  is being shown on Transunion consumer report only XXXX XXXX XXXX inquire is being shown on Transunion consumer report only Transunion is in violation 15 U.S. Code 1681b - Permissible purposes of consumer reports
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX - XXXX
Product: Mortgage

I have been trying to work with Bank of America to refinance a mortgage. I have never missed a payment and have been a customer of the bank for over 30 yrs. They are currently charging 8.79 % interest on the loan and even with my good history refuse to refinance at a lower rate. I feel that I have been victimized by these people for at least 3 yrs. There has to be something that can be done.