23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

2 years ago, I started paying the loans for my wife. Since she was not paying for them, I offered to pay. However, to " qualify '' for a forbearance program, the loan company had to speak with either my wife or my mother ( cosigner ). My wife was unreachable at the time. The representative stated that my mom had to say " yes '' to the terms and conditions even though she does n't speak XXXX. At the time, I did n't think nothing of it and I just wanted to bring the loan current. Payments were set, from my account, automatic payments. However, the payments stopped. When I called regarding the payments, I was told that in order to continue taking payments, they needed to re-do another " contract '' and had to speak with either my mom or my wife. My wife was not available and my mom does not speak XXXX. After many calls offering to pay, they refused to do another forbearance plan. I was told by several supervisors that they have to do it over the phone and that my mom has to speak XXXX in order to do another plan. 
This refusal has been regarding a supposed California XXXX that prohibits them from making any changes to the loan if the borrower ( my mom ) does not speak XXXX. I have called more than 5 times asking the details of this " law '' but they have refused to tell me which XXXX is it. 
If in fact, there is a law prohibiting the loan company from making any changes to the terms and conditions due to the borrower 's lack of understanding XXXX, then, they have violated such law. 
I need to know what law is the XXXX they are referring, the specifics, so that I can file for violation of the law with the California XXXX XXXX. I feel that my mom and I, have been taken advantage of this predatory loan company. 
Any assistance will be greatly appreciated.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> SYNCB/Care Credit XXXX XXXX XXXX XXXX XXXX XXXX  Dispute Regarding Disclosure of Nonpublic Personal Information SYNCB/Care Credit " To Whom It May Concern I am writing to formally dispute the disclosure of my nonpublic personal information in potential violation of the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802.

It has come to my attention that my personal information may have been shared with unaffiliated third parties without proper notice or an opportunity to opt out, as required under the law. According to 15 U.S.C. 6802 ( b ) : 1. Financial institutions must provide clear and conspicuous notice of their privacy policies and practices.

2. Customers must be given the opportunity to opt out of sharing their nonpublic personal information. 



I believe that [ describe the issue, e.g., " I did not receive any opt-out notice, '' or " My information was shared without my explicit consent, contrary to the stated policy '' ].

I am requesting : 1. An explanation of how my nonpublic personal information was handled and shared, including a list of third parties that received my information.

2. Copies of the notices or disclosures provided to me regarding the institution 's privacy practices.

3. Immediate action to correct any violations, ensure compliance with the GLBA, and cease further unauthorized disclosures of my information.

If this matter is not addressed promptly, I may escalate my complaint to the Federal Trade Commission ( FTC ) or seek legal remedies to protect my privacy rights.

Please respond to this dispute in writing within [ 30 days or specific timeline ]. You may reach me at [ your contact information ] if further clarification is needed.

Thank you for your prompt attention to this matter.

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

My complaint is versus Yamaha financila services web site https : //yamahamotorfinanceusa.com/.. account :XXXX I have purchase Jets kins to XXXX  with extended warranty, I paid for this warranty {$1500.00}. 
I traded my jetskis on finals days of XX/XX/2019 so i did the trade with XXXX so XXXX paid the jetskis loans in full in less than 14 days to yamaha financial services .. I purchased this jets skis to XXXX  and they were financed by yamaha financial services.I have been calling yamaha financial services since those days and every single time is a different story and still I don't get my money back yet.. I suppose to receive {$930.00} back. What kind of service they offer, if i don't pay on time I get punished but who is going to punish them in this case.. i suppose to get some money extra for the delay???. Yamaha financial poor service when is time to get your money back.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violation
Product: Credit reporting or other personal consumer reports

Experian consumer report violated my consumer rights after multiple disputes coming back verified without proper disclosed on how in formation was verified after multiple attempts and most information was incomplete or blank on consumer report for XXXX XXXX XXXX also world finance and outside debt collector made me pay twice for the same debt in two different amount s which is illegal 1 incomplete or blank information. Account was settled but - paid of balance blank should 100 % Balance blank should be XXXX -balance update blank should be XXXX -original creditor blank -company sold to blank company sold to outside collectors and I was made to pay twice diffrent amounts to two different companies 2 still reporting charge off after settlement was made inaccurate reporting settlement paid in XXXX XXXX payment summary does not match reporting co in XXXX  which is inaccurate reporting this is in violation of consumer law and FCRA and paying to different amours to to difrent debt collection is fraud I demand this account be deleted from my consumer report immediately and I demand XXXX for every violation as it has cause damage to my personal and business to obtain credit witch I was denied because of the violations of improper reporting
Product: Credit reporting or other personal consumer reports

am writing to express my deep frustration regarding your company 's mishandling of my credit report dispute. Since I discovered discrepancies in XXXX of this year upon returning from XXXX, where I buried my mother, I have taken every possible step to address this issue diligently. I initially submitted a dispute on XX/XX/XXXX, followed by additional supporting documents 15 days later after receiving notice that the original copies were of low quality. Despite complying promptly, I encountered complete silence on your part. Subsequently, I received a letter accusing me of employing a credit repair organization. To clarify, as I already stated in a follow-up letter, I personally sent all correspondence. Despite this clarification, I have yet to receive any resolution or meaningful response from your company. This ongoing neglect and mismanagement have caused me undue stress and raised serious concerns about your company 's commitment to consumer rights and compliance with the law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes and respond within 30 days. Your failure to do so violates these requirements. Additionally, the Massachusetts Consumer Protection Act, M.G.L. c. 93A, prohibits unfair and deceptive practices, which I believe your actionsor lack thereofconstitute. Your personnel 's inability to communicate effectively in clear English and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I filed an Identity Theft Affidavit with the Federal trade Commission for illegal reporting from the credit reporting agencies. 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer Identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 permission.
Product: Debt collection

I received a letter from Transworld Systems, dated XX/XX/XXXX that I owed a balance of {$810.00} on a medical bill. I called them at XXXX to pay the balance in full. They were unable to locate me by name, account number, or Social Security number, even though I game them the information on their letter. My wife had me call back again that evening with the same results. The account has now been placed for collections. I do not mind paying the bill, but should not be penalized with this on my credit report for 7 year because of their ineptitude. My wife has tried to pay a similar account with them, with the same result, This company plays games, and report to collection agencies before accepting money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX .... balance {$8900.00} XXXX XXXX XXXX .... balance {$1200.00} XXXX  XXXX .... balance {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX .... balance {$12000.00} XXXX XXXX XXXX XXXX  XXXX .... balance {$0.00} These accounts are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under may name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Debt collection

On XX/XX/XXXX, I received a letter from Specialized Loan Servicing LLC ( SLS ) confirming that " lender-placed insurance '' is not being renewed due to my negligence of not securing insurance coverage on my property. Please review attachment of the letter from SLS. In response to the letter from SLS, I never authorized SLS to place insurance on my property. Since XXXX, I have been trying to secure my own coverage and when I attempted to place insurance on my property, SLS refused to remove their lender forced policy coverage. As confirmation, SLS currently have a Class Action Lawsuit pending ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MN XXXX ) for their lender placed insurance.I confirm that I am a claimant in the Class action against SLS. Based on the attachment letter from SLS, SLS & XXXX XXXX  was never my mortgagee, because I never executed documents with SLS, SLS never established a chain of title or custody from the original lender, and XXXX XXXX  confirmed that they do not have any affiliation with SLS in anyway as well per XXXX ( SLS ID # XXXX Dated : XX/XX/XXXX | Time:XXXX | stated " SLS has no information referencing the original lender nor payment history. However the " loan '' came from XXXX XXXX XXXX XXXX '' who confirm the same ( no chain of title or payment history from its originator XXXX XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian regarding the failure to conduct a reasonable reinvestigation into inaccuracies on my credit report, as stipulated by the Fair Credit Reporting Act ( FCRA ). On XX/XX/2023, I mailed a dispute letter via XXXX certified mail tracking # XXXX, requesting an investigation into the following items : XXXX XXXX ( XXXX ), XXXX XXXX  ( XXXX XXXX ), XXXX XXXX ( XXXX XXXX ), and Bankruptcy ( Reference # XXXX ). Additionally, I disputed incorrect names and addresses listed on my credit report. To assist in verifying my identity and address, I enclosed a copy of my photo ID, social security card, and a recent bill. Despite my efforts to adhere to the FCRA 's dispute process, I received a response from Experian dated XX/XX/2023, stating : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. This response indicates a failure on Experian 's part to recognize and process a dispute initiated by the consumer, as required by the FCRA. The Act explicitly mandates that if the completeness or accuracy of any item in a consumer 's file is disputed, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. I am submitting copies of my dispute letter, XXXX certified mail proof of delivery, and Experian 's response as evidence of my efforts to rectify the inaccuracies on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX. XXXX, XXXX, XXXXXX/XX/XXXX XX/XX/XXXXadd a hard inquiry on my credit report. 
On XXXX. XXXX, XXXX, XXXX add a hard inquiry on my credit report. 
On XXXX. XXXX, XXXX, AMERICAN EXPRESS add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a dispute with equifax stating that creditor XXXX XXXX was reporting inaccurate balances and data to my credit report. Its been over a year and this dispute has not been resolved, I spoke with a representative from equifax regarding this matter by the name of XXXX, she confirmed that the matter was still under investigation and I made her aware of my FCRA rights and she told me that since I made another dispute on XX/XX/XXXX the dispute from last year cant be resolved because I made a new dispute regarding this creditor almost a year later
Product: Credit reporting or other personal consumer reports

I have tried to retrieve score from XXXX and Equifax
Product: Checking or savings account

In XX/XX/year>, {$2500.00} was stolen from my account by a criminal impersonating the US Department of Treasury. Since then, Wells Fargo has refused to refund my stolen funds. Most recently, the company refused to address this with me. The representative ( named either XXXX or XXXX XXXX harassed me at work repeatedly with constant calls that disrupted my job duties and REFUSED to speak with me outside of my work hours. I told them to please call back when I wasnt at work. They didnt bother to work with my schedule and work obligations. Instead they called, refused to talk to me about anything, and are claiming this case is closed before I could address my concerns with them.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act these accounts violated my federally protected consumer rights to privacy and confidentially under 15USC 1681 XXXX  XXXX XXXX XXXX XXXX  XXXX this account has violated my rights I looked at my XXXX Credit Report and notice something incomplete and not accurate this account is in good standing and pays on time and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of this information concerning the individual about whom the report relates according to 15USC 1681 ( e ) and 15USCi ( 5 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/XXXX, I sent this company a letter disputing several accounts that I do not recognized. From the account number to the opened date and creditor name, I do not recognize those pieces of information which is enough reason for me to to practice my rights and request for an investigation. I disputed the following accounts : XXXX XXXX/XXXX Ref # XXXX , COUNTY OF XXXX XXXX ref # XXXX, XXXX XXXX ref # XXXX, XXXX XXXX XXXX ref # XXXX, XXXX XXXX ref # XXXX XXXX XXXX XXXX ref #  XXXX, XXXX XXXX XXXX ref # XXXX. 
It has been more than 30 days and yet nothing has been provided to me or sent to me as validation document, that was used in their investigation. This is a clear violation of FCRA.
Product: Credit card or prepaid card

I filed a dispute regarding transactions made on my opt plus account, which I noticed on XXXX/XXXX/17, at that time I called the automated service to cancel my card and immediately an {$8.00} replacement card fee was applied. When I looked at the transactions on XXXX/XXXX/17 it no longer stated XXXX/XXXX/17, they stated XXXX/XXXX/17, which is not what was seen originally. I faxed the dispute letter XXXX/XXXX/17 and I was told XXXX/XXXX/17 it was closed and nothing further would be done.
( Exhibit 1 ) Those transactions are in the amounts of : {$200.00} ( XXXX XXXX- XXXX  TX ) * {$200.00} ( XXXX XXXX XXXX TX ) * {$83.00} ( XXXX XXXX- XXXX TX ) * My card was only out of my possession when I paid the waiter at XXXX XXXX, at the XXXX XXXX in XXXX, TX on XXXX/XXXX/17 .
The transaction with an * next to them above, also has an * on the transaction statements on the myoptplus website. This is something that has never been on any other transactions which leads me to believe it shows that something is different than normal transactions.
The last 5 transactions I made were all on XXXX/XXXX/17 and are listed below.
XXXX XXXX XXXX  XXXX, TX {$100.00} XXXX XXXX XXXX XXXX, TX {$28.00} XXXX XXXX XXXX XXXX, TX {$59.00} XXXX XXXX XXXX, TX {$9.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX {$82.00} I have been an OptPlus direct deposit customer for several years and have not had any disputes. I was advised on XXXX/XXXX/17 that my dispute was closed and it is believed to be regular transactions made by me. However, I know I did not make the transactions shown above. I was told to file a police report but no one can tell me where the transactions were made, who they were made to or any other identifying information, such as a phone number. I have no information to file a police report.
Product: Checking or savings account

On XX/XX/XXXX my wife, XXXX XXXX received an email from Citibank informing that the XXXX XXXX savings account that she opened in XXXX would be closed. This notice advised the the {$10000.00} that I transferred from our other joint savings account could not be released to her directly, but that our local credit union would need to submit a hold harmless claim to Citi. When my wife contacted XXXX XXXX XXXX XXXX, they had no knowledge of what Citi was referring to and looked to her to provide them with information on how to submit it. They then provided her with documents that they thought would suffice but Citi could not provide any details on how we were supposed to accomplish this. We escalated the situation to the Executive Response Team but the only advise we received the same response referring the the Hold Harmless Claim process. 

Additionally, the letter mentioned that the holder of the funds could also be added to the account to regain access. Assuming the issue was that the money was taken from a joint account and added to one where only my wife was a signer, we went through the process of having me added. Mind you, when my wife attempted to ask Citibank if this would rectify the issue they could not provide a clear answer. on XX/XX/XXXX we received confirmation that I was added to the account. At that point, we regained access and assuming that everything was fine now, decided to keep the money where it was for the time being. On XX/XX/XXXX, my wife received notice that the account had been closed with no further mention of the funds. When she called Citi, no one was able to explain why this occurred and could not provide any insight as to how we were to receive the funds. As of today, XX/XX/XXXX, we have not received any funds nor notice from Citibank. They had also completely removed her from the account and listed me as the primary account holder. Any additional attempts to call them have resulted in the same unhelpful customer service.
Product: Credit card

I was emailed a marketing message from Citibank stating that I may be eligible for a credit limit increase and that " a credit bureau inquiry is not required ''. I followed the steps and applied for a credit limit increase but Citibank still pulled my credit report and created an inquiry on all XXXX bureaus anyway. I have since contacted Citibank to try to rectify the issue but they have told me that they will not remove the inquiry because " their message must have told me that they would be pulling my credit '' even though I have proof that it says the opposite. I believe this clearly represents a XXXX violation as they deceived me by stating that my credit would not be affected and it subsequently was.
Product: Debt collection

{$750.00} Status Account charged off. XXXX XXXXXXXX off. 

The debt account seemed to be closed after disputes and was closed. Then reopened again from another company that bought the sold account.