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

I am writing to request your assistance in investigating and reporting on a violation of federal privacy law under 15 U.S.C. 6802 ( b ), a provision of the Gramm-Leach-Bliley Act ( GLBA ). This law is designed to protect consumers personal financial information from unauthorized disclosure by requiring financial institutions to provide opt-out options before sharing such information with non-affiliated third parties. 

I have reason to believe that XXXX XXXX has failed to comply with this legal requirement. Specifically, the institution : XXXX. Did not provide me with a clear and conspicuous opt-out notice prior to sharing my personal financial information with third-party companies. 
XXXX. Failed to adequately inform me about the categories of information being shared or the entities receiving this data. 
XXXX. Did not honor the opt-out provisions within a reasonable timeframe, resulting in the unauthorized use of my personal information. 

This noncompliance raises significant privacy concerns and undermines consumer protections explicitly mandated by federal law. Despite my attempts to resolve this issue directly with XXXX XXXX, I have not received an adequate response or corrective action. 

Given the broader implications of this violation for consumer privacy rights, I believe this issue warrants public attention. Your expertise in reporting on consumer rights and financial regulations would be invaluable in shedding light on this matter and encouraging accountability.
Product: Debt collection

To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account Name & Account Number : Please provide me with the following : ( XXXX ). Full accounting for this account : ( XXXX ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( XXXX ). How you calculated what you claim I owe ( XXXX ). ( Fields v. Wilber Law Firm Coppola v Arrow Financial Services ) ( XXXX ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( 73 Am Jr sect. 93 ) & ( Gearing v Check Brokerage Corporation ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Product: Checking or savings account

On or about XX/XX/XXXX I rented a temporary mailbox service from The UPS Store located at XXXX XXXX XXXX XXXX Washington. DC. I paid a total of {$170.00} using my Wells Fargo XXXX card and I told the merchant I only needed the mailbox for NO LONGER THAN 90 DAYS - MAX! At the time of rental, they were quite discombobulated and disorganized and couldn't provide my mailbox number, the key. nor instructions on how to access the mailbox. I said to the clerk, OK ; I'll walk down to XXXX 's at XXXX XXXX and do some shopping and will stop by on my way back. She said that would be best given their disorganization and the long line extending down the sidewalk from their counter. Approximately 2 hours later still no keys, mailbox number, or instructions. I agreed with the clerk to come back later that afternoon before closing. It was a situation of the same kind ; no key, no mailbox number, and no instructions. I didn't like this. I tried back for 4 or 5 days with no success. At the end of that time I was traveling to XXXX Virginia to live on my farm for protection from Covid-19. One thing led to another including exhaustion from not being able to get my mailbox info, and I forgot about the mailbox until XXXX they started spamming me demanding that I pay them more money for the extension of my mailbox that they never assigned to me, nor provided a key or instructions. ( NOTE : it was not until they started spamming me that I learned my my mailbox number XXXX ) Initially, I let the costs slide until they became very persistent and rude on the phone. At that time I filed a dispute with Wells Fargo to get my money refunded as The XXXX Store 's manager, XXXX refused citing " no refunds ''. Wells Fargo denied my dispute for services I had paid for but never received and have subsequently closed my bank account citing the under The XXXX ' law i'm not entitled to a refund. I don't know how The XXXX law applies to my U.S. based account opened by me ( a U.S. citizen ) in Washington, DC. ( My guess is that the caller told me who called about the dispute identified herself as being in XXXX, XXXX XXXX XXXX. Since on or about XX/XX/XXXX The XXXX Store has spammed me ( at least once daily, sometimes more ) to pay an additional bill I've filed a complaint with the Federal Trade Commission about that abuse. For resolution, I want my {$170.00} refunded to my account, my Wells Fargo checking account reopened and all negative marks on my account permanently removed, and my account remain in an open and active status.
Product: Credit reporting

they Removed some of the inquiries not all ... I was told they would all be removed.
Product: Credit reporting or other personal consumer reports

I am requesting this account with XXXX XXXX account # XXXX be removed from my credit report due to inaccuracy and false reporting due to Experian and XXXX XXXX different payment history. 

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 XXXX XXXX XXXX Experian 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  Please remove account immediately or provide proof of late payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

My old mortgage company reported on my credit that I was 30 days late and XXXX to 90 days late. To my knowledge I can for sure say according to my bank statements that i was late by XXXX or 2 months. 

I was also provide bad information via phone calls from members of the mortgage company when I had paid and than told to other things there for also being coerced into not paying on time. 

I also have a note book that I have written down phone calls that i have had with the company as well that I was told that I authorized money to be placed in my principal when I never gave consent or authorization to do so, I also was told by them that I asked to have payments reversed on numerous months when I never asked for that and I was provided certain dates that aren't even on my bank account. The story 's never a line from them. 

I had asked to always speak to someone higher and each time I asked I was told them couldn't help and when I did so, they would never allow me to send my supporting documentation and when once i finally was able to they said that there information didn't change because they said was they had didn't reflect what i had ( ie. Bank statements ). 

If you need more information please call I can explain more via a phone call because there are things that are easier to explain on the phone than through writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XX/XX/2022 XXXX XXXX XXXX account XXXX reported wrongfully actions in collection that is not mine of the amount {$1400.00}. Please removed this account off my credit report under : They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section XXXX : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( XXXX ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. 

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( XXXX ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer
Product: Bank account or service

I recived the attached letter from Early Warning Systems stating that they investigated my concernes regarding the dergatory mark ( s ) from XXXX XXXX. 

Tthrough the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) since EWS conducted a " Proper Investigation '' which means EWS has on file of accounts listed below in the original complaint. Your failure to positively verify these accounts has hurt my ability to obtain a bank account. Under the FCRA, unverified accounts must be removed and if you are unable to provide the item by providing me a copy of verifiable proof, you must remove the accounts listed below. This your responsabilit just the same as XXXX XXXX since you conducted a " Proper Investigation '' Please show me what you used to determine that the items are indeed valid. 

These do not belong to me and EWS is hurting me by blocking me from opening a bank account and has caused a lot of embarrassment for me in the banking community. I demand these items be removed or proof requested above be provided. 

I hope to resolve this ASAP before any more damages are incured and needles attorney fees are paid out, and tieing up the courts time.
Product: Credit reporting or other personal consumer reports

I have provided all XXXX pieces of information and expect these listed accounts to be deleted and blocked within XXXX business days of your receipt of this notice ; otherwise, you are in violation of my rights under the FCRA once again! If you do not initiate an investigation regarding my dispute and delete this information within XXXX business days of receiving this notice per 15 USC 1681c-2, as is my right under the FCRA, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows for damages of {$1000.00} should this matter be brought to court. 15 U.S. Code 1681n ( a ) ( XXXX ) ( A ) essentially states that if a person willfully violates any requirement of the FCRA with respect to a consumer, they are liable to that consumer for any actual damages suffered as a result. If actual damages can not be determined, the consumer can still receive statutory damages ranging from {$100.00} to {$1000.00}. This provision ensures that consumers are protected and have recourse if their rights under the FCRA are willfully violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

MrCooper sold my loan and it is showing on my report that it is an open loan I have contacted them twice to remove it and they have not. It is stopping me from trying to refinance
Product: Debt collection

XXXX XXXX XXXX I contacted, and asked them to take action to get this COLLECTION removed from their records and to erase any record of the collection with all credit reporting agencies if they could not provide Documentation that I had to pay them. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done since it has not been done. Ive received documentation from this company with a letter from account whose name is NOT XXXX XXXX XXXX. They sent me a letter with a company name sun up financial, llc balance credit. XXXX with a signature that is NOT MINE. How are you allow to falsely report something to my credit when I have no legal contract with you. This document Alone with only a signature is not enough to defame my name. I what this account removed and not associated with me. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

violation of my right to privacy, unauthorized use of my credit report.
Product: Debt collection

My name is XXXX XXXX and I am submitting this complaint without any influence from a third party or agency. CCS has violated federal laws, see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$300.00} XXXX XXXX XXXX {$8400.00} XXXX, TRANSUNION, AND XXXX ARE NOT COMPLYING WITH REGULATIONS BASED ON MY REQUEST FOR AN INVESTIGATION.
Product: Mortgage

We were asked on Friday, XX/XX/2016 at XXXX pm to provide payoff amounts for XXXX creditors our lender wanted paid off at our closing. We were successful in getting all but XXXX of the payoff amounts by Monday, XX/XX/XXXX and the last XXXX came in by the close of business that same day. Tuesday, we went to sign the " Closing Disclosure '' and noticed the figures were incorrect by nearly {$4800.00} over the amount owed. When we asked for the figures to be corrected based on the payoff amounts we submitted, we were told by XXXX, our load would be cancelled if we insisted on the amounts being corrected. 
In addition to that incident, the agency for our homeowners insurance policy was selected by XXXX, not according to the choice we submitted to them.
Product: Credit card or prepaid card

American Express has pull my credit report and place two hard inquiries on my XXXX credit report and then approved me for credit card then canceled it within mins with business plum card and told me I had a previous card with them which I didnt apply it was due to disputes abuse but I never applied for XXXX XXXX card or used it and they didnt give me the option to filed a police report and keep sending me harrasing letters to my address They wont remove the credit inquiry They wont restore my access to my plum credit card I didnt not apply for any previous American Express cards and I will be getting these old accounts removed off my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I sent a residential affidavit due to the inaccurate variations of multiple addresses that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XX/XX/XXXX TOYOTA MTR XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that there are accounts and credit inquiries on my credit report that do not belong to me ; I found out today XX/XX/20 because I was denied from getting a XXXX  XXXX credit card. The accounts and inquiries that do not belong to me were opened without my permission. I do not have any contract or relationship with any of those companies and I never gave them permission to run my credit. I did not benefit anything from these accounts and inquiries that were opened in my name nor did I ever make any payments towards any of those accounts. I still don't know who opened those accounts in my name but I have filed a police report to the best of my knowledge regarding all of these suspicious accounts and inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

still see late payment almost 20 years old still showing up they should have been removed
Product: Credit reporting, credit repair services, or other personal consumer reports

ChexSystems is reporting to some banks that I have negative information on my report but I do not and will request a copy of my report they refused to provide it as is required by law.
Product: Debt collection

I never received any bills from this agency to be able to pay this debt. I had no knowledge of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received an email alert from XXXX XXXX that my score recently changed. After I clicked on check my score it shows that my Transunion score through XXXX XXXX decreased by 20 points. It says Transunion found 1 change to my report that an account was removed. The account is XXXX XXXX XXXX Credit Card . I still have an account with XXXX and it is in good standing. My credit limit with them was also increased from {$500.00} to {$1000.00}. I have never missed or been late with a payment. Also this account was recently sold to XXXX by XXXX. I also recently filed a dispute because my credit limit was still being reported as {$500.00} which has since been corrected. I reached out to Transunion on XX/XX/2020 about this and spoke with XXXX. I informed him of the email I received and explained to him that I had just received this email from XXXX XXXX explaining to him everything in the email. XXXX stated I would need to contact XXXX XXXX. I said why should I contact them they are not the credit bureau and they get their information from you Transunion. He then suggested I maybe had some late payments or other derogatory marks that was affecting my score. I said no it says I have a stellar payment history. I repeatedly told XXXX this information was based on information from Transunion which it clearly states and was not in my XXXX  file and shows my account with XXXX XXXX/XXXX  Credit Card. I was then told he could not provide my credit score and that I would have to pay for this which I paid {$9.00}. I was getting nowhere with the representative at Transunion. I also reached out to XXXX XXXX as XXXX suggested and am still waiting for a response. I am hoping that they will correct this because this has a negative impact on my credit file/score. I have attached my XXXX XXXX/Transunion report as well as my account information for XXXX XXXX Credit Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to work with this company for over a month. They promised me that this loan would help " build my credit ''. When I took out the loan, I paid it off in 4 months to avoid a huge amount of interest they would tack on. I was NEVER 30 days late and paid this loan in full. They continued to report to the credit bureaus that I owed {$1200.00}. I filed disputes with all XXXX bureaus, but whoever responded on the creditor 's end responded to the bureaus with false information. They stated that I was 30 days late, only had the loan for 1 month ( which hurt my score by 40 points ), and deleted my 4 month good payment history. They also did not update anything with Experian and reported it as a " boost self managed account '' which is wrong. I have called them over 5 times ( 2 hour hold times ), emailed their 2nd level support ( XXXX XXXX ), and faxed XXXX XXXX. She continues to tell me to " call in '' but when I finally get someone on the line they tell me to " talk to XXXX ''. This is company is UNBELIEVEABLE and THE WORST FINANCE COMPANY EVER! I NEED THIS INFO ON MY CREDIT REPORT FIXED ASAP AS IT HAS MADE MY CREDIT WORSE AND I HAVE DONE MY PART WITH THE LOAN!
Product: Debt collection

In XX/XX/XXXX, I received notice on my credit report that I had a " major derogatory mark '' on my credit report relating to my XXXX XXXX Account, filed by a debt collection agency Credit Management LP ( based in Texas ) that bought the debt from XXXX, allegedly stemming from a XXXX XXXX account that I closed and paid off around XX/XX/XXXX since XXXX 's services did not extend to my new location. XXXX and Credit Management failed to provide me with notice of such debt and the late payments, and they presently refuse to remove the credit report off my history despite me paying the {$140.00}, which I do not think I owe them. My credit score now has dropped XXXX points and have a major derogatory mark on it. 

While I have limited access to my XXXX account and XXXX provides little to no documentation for closed accounts, XXXX charged me an additional $ 140~ after the close of my account in XX/XX/XXXX ; provided no notice before the account was closed of such owed payment ; and I received no notice by XXXX  or Credit Management LP re : late payment until the debt was already in collections and on my credit report. 

On XX/XX/XXXX, XXXX also informed me that they do not provide email notices of late bills for closed accounts even though I was signed up for e-billing during my relationship with XXXX, and they only send paper bills to the closed account address despite knowing I was no longer there at such address and without informing me of such policy or the alleged bill when I called in to close my account. In short, there was no way for me to know any potential bill existed because of XXXX 's policies on closed accounts and notices, in addition to thinking I had closed the account back in XX/XX/XXXX after paying off the final bill and returning the equipment to XXXX. 

I reached out to the Credit Management LP ( debt collector whom bought the debt from XXXX XXXX and XXXX XXXX - both claim they can not remove the debt off my report even though I received no notice of such payment and even paid off the debt so it is a zero balance and closed account.
Product: Student loan

This loan is 30+ years old ( XXXX ), is defaulted, and this servicer continues to report the loan as paid on time & never late when I have NEVER made a payment on it. This loan was included in a bankruptcy 20+ years ago. When this loan was with a collection agency I paid it off at a discounted amount and was agreed to be removed and shown as paid on time and never late. Now they want more $ $ XXXX 
The balance is incorrect ( {$570.00} vs. {$1000.00} ) and continues to remain on all three credit bureaus because theyre lying about payments being made every month. 
REMOVE THIS BEFORE LITIGATION STARTS.