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

Improper sharing of my personal financial information is a violation of my rights under 15 U.S.C. 6802-6805 of the Gramm-Leach-Bliley Act. Failure to Provide Opt-Out Opportunity 15 U.S.C. 6802.Under the GLBA, financial institutions are required to provide consumers with the opportunity to opt out of having their nonpublic personal information shared with nonaffiliated third parties. I have not been provided with a clear and conspicuous notice of my right to opt out, as mandated by 15 U.S.C. 6802 ( b ) .15 U.S.C. 6803. Section 6803 requires financial institutions to provide annual privacy notices that explain their policies for sharing personal information and the methods by which consumers can opt out. I have not received adequate or consistent privacy notices, and my nonpublic personal information appears to have been shared without proper authorization.Violation of Consumer Rights under 15 U.S.C. 6805 I am requesting CFPBs intervention to enforce my rights and ensure compliance by XXXX XXXX per the terms and conditions. Which states Regions wont share my nonpublic personal information with nonaffiliated third parties. Any unnecessary or unauthorized disclosures of my personal and financial information under the GLBA. Require XXXX, XXXX, XXXX to honor my opt-out request under 15 U.S.C. 6802 ( b ). 
Investigate whether XXXX XXXX is in compliance with the privacy and opt-out requirements under 15 U.S.C. 6802-6805. 
Also Ensure that my nonpublic personal information is no longer shared without proper authorization
Product: Debt collection

This account has been passed around through several collection agencies which they 're trying to collect on a debt I do not owe. The balance is for {$640.00}, I am in good standing with the Original Creditor "   XXXX   '' and I plan on staying that way. Trying to collect a payment on a debt I do not owe is unlawful.
Product: Credit card or prepaid card

I had two Care Credit/Synchrony Bank Cards ( for XXXX providers ) in the past. 

I thought both accounts are closed : The CARECREDIT / SYNCHRONY BANK website states : Important This account has been closed. No further purchases will be allowed. 
It shows no balance on my account Now that I have a new dog I want to open a new account. But my applications are denied stating, Existing account with our credit program. 

If the website says my account is closed and the letter states I have an existing account then someone must be using my Social Security number FRADULENTLY.
Product: Credit reporting or other personal consumer reports

I believe that experian is breaching my account internally. My account has been hacked at the beginning of each month with no signs of breach on my end. All my passwords email and number verification are getting bypassed and the breach is occurring when your customer service is down. The only answer is that their company is internally breached by employees
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted each credit bureau to have inaccurate credit inquiries removed and they refused.
Product: Credit reporting or other personal consumer reports

This grumbling to APPLE CARD-GS BANK USA was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it.

As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC numbers XXXX ; XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting that my XXXX XXXX payment status is currently 30-90 days pass due and date of last payment is XX/XX/2019. 

I filed a dispute with them and XXXX submitting proof in the form of my last statement from XXXX that it is current and date of last payment is incorrect as they are reporting it. 

XXXX  fixed the problem but XXXX  refuses to fix it even after I personally called them and asked them to fix it. I am being refused a vehicle loan based alot on this error and I need it fixed. 

I can not see if Experian is reporting false information or not because I keep having problems trying to check it and file the dispute. 

I dont know why they wont fix it with me submitting the solid proof in written form to them or if XXXX XXXX keeps reporting false information but I would like it fixed or have XXXX removed from reporting on all three credit reports due to irrenious reporting per the FCRA and constinaly filing disputes. 

I worked hard to fix my credit so I can buy a home to retire in but this hassle with the credit reporting agencies is stopping me. 

Please help me fix this XXXX XXXX reporting problem if not at least fix XXXX  to report it correctly. 

I currently only have my statement from XXXX showing XXXX being paid on time. XXXX has not issued my statement showing XXXX payment on time but you can call and verify that it was paid on the due date of XX/XX/XXXX. 

Thank you
Product: Debt collection

XX/XX/2021, I Received a phone call from a representative at CBC, LLC about a debt that was owed in the amount of {$110.00}. I immediately resolved the debt and was assured that this would be removed from my credit. This debt is still currently on my credit and harming my credit score despite numerous attempts of getting this removed.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/2024 IQ Data International XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Dear Sir/Madam, I am writing to formally dispute the inclusion of an account on my credit report and to request a cease and desist regarding any further reporting of this account. The account in question pertains to XXXX & XXXX, which is currently listed on my credit report. 

Upon reviewing my credit report, I noticed that this account is negatively impacting my XXXX XXXX. However, I want to bring to your attention that I am not solely responsible for the obligations associated with this account. 

The account in question stems from a shared living situation in an apartment where I had roommates. During the time of residence, the utility bills and other associated expenses were divided among all occupants. Unfortunately, it appears that the responsibility for this account has not been properly allocated, resulting in its appearance solely under my name on my credit report. 

I would like to emphasize that I am not disputing my responsibility for any legitimate debts that are accurately attributed to me. However, in this particular case, I am not solely responsible for the obligations related to this account. This negative inquiry on my account is hindering me from buying a home and elevating to the next chapter of my life. Im only XXXX and I have so much more to achieve in life. 

As such, I kindly request the following actions : XXXX. Cease and desist any further reporting of this account on my credit report. 
2. Delete the account XXXX & XXXX from my credit report entirely. 

I understand that as per the Fair Credit Reporting Act, you are obligated to conduct a reasonable investigation into this matter. I hereby provide any necessary authorization for you to contact the relevant parties and gather the required information to resolve this dispute. 

Please acknowledge the receipt of this dispute letter and provide me with a 30 day timeline for your investigation and resolution of this matter. I look forward to your prompt attention to this issue and the removal of the disputed account from my credit report. 

Thank you for your cooperation and assistance in resolving this matter. 

Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act FCRA these creditors have violated my rights for these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Product: Debt collection

My name is XXXX XXXX and I am having issues with a collection company that is collecting a debt for an apartment complex. The apartment complex : XXXX XXXX XXXX '' is actually trying to charge fees that are not accurate. I requested a copy of the information and the break down of deposit shows the apartment complex is listing : Insufficient Notice fee of {$1100.00} which per their collection policy was only to be charged once the contract expired and a tenant was going month to month and did not give 60 day notice. Then they charged a Lease buyout fee which was {$2200.00} and {$500.00} for which the collection policy indicated " Lease Buyout '' Should you vacate the premises before your lease expires you will be charged a Buyout Amount of {$2200.00} and early termination fee of $ XXXX.They are also charged miscellaneous fees which would be considered normal wear and tear. When moving in the carpet was stained and they want to charge for Shampooing along with touch up paint and cleaning. All which is part of normal wear and tear. Also the Deposit sheet also shows move in date as of XX/XX/XXXX which would make no sense since the lease did not begin until XX/XX/XXXX. 

Also the break down shows an opening charge of {$99.00} what was that from?
Product: Checking or savings account

I applied for the {$1000.00} bonus promo for opening a business checking account in XX/XX/year>. The representative that submitted my application was XXXX XXXX. I made sure and asked her if Ill be receiving my bonus after 90 days prior to completing my application. She said Im eligible and will receive the bonus. Its been over 90 days and I still havent received it. She never mentioned that the offer was only for targeted clients. She gave me the wrong information and she apologized that she " messed up. '' If she had told me that I would not get the bonus I wouldnt not have applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly duplicate entries of a charge-off on XXXX  partial account numbers - XXXX. ( Please see page attached from my credit report. ) The first entry is reporting a {$0.00} balance and the second entry is reporting a balance of {$8000.00}. I contacted XXXX Bank and let them know that the charges reporting is fraudulent. I did not incur these charges. The representative I spoke with confirmed that this debt does not belong to me. The balance reporting is not accurate and the duplicate entries reporting on my credit report is harming my credit score. This line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Product: Checking or savings account

I closed my chase bank account in person in XXXX XXXX, NY in spring/summer of XXXX due to knowledge that the identity thief was using my account. I received collection calls from chase bank sometime after and assumed it was spam because my account was closed. A check in the amount of {$790.00} that I did not deposit to begin with was returned on my closed account approximately 6 months after my account was closed bringing my account into a negative balance and prompting collection calls. 

On XX/XX/XXXX I received a comprehensive file disclosure from XXXX XXXX  and saw another Chase was account opened on XXXX XX/XX/XXXX without my knowledge or consent. It was closed-purged on XX/XX/XXXX.
Product: Checking or savings account

Cash app has robbed me and closed my account they are using a bank account without my consent
Product: Debt collection

this is a cable bill that was CANCELED and paid with all equiptment returned undamaged. I told them repeatedly that the equiptment was returned at the corporate location drop off. They are billing me for 2 cable boxes that were returned. The final bill was paid and come to find out that the debt was RESOLD after it was resloved and paid. I have asked repeatedly to remove the negative marks and the hits for my credit score and I was told they will continue to call until I pay it over again. Then I was in tears and the lady laughed and hung up on me. This was paid in XX/XX/2015 along with 4 other debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, As violated my rights. 

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

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

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

Over the greater part of the last year I've been disputing inaccurate credit reporting on the behalf of Nelnet. I've completed countless dispute with both the creditor bureau and Nelnet to no avail. My latest dispute was a recent as XX/XX/XXXX. I was notified in writing Nelnet reviewed my account and an adjustment was made and reported to the bureaus. It's now XX/XX/XXXX and Nelnet most definitely made an adjustmentit 's just further inaccurate. I'm disputing accounts that contain late payments as recent as XX/XX/XXXX. Well, unless you've been under a rock, there is a government mandate to cease loan payments until XXXX due to Covid 19. To add insult to injury the accounts I'm referencing have been closed since XX/XX/XXXX. So in a nutshell I'm receiving late payments on closed accounts, despite the government mandate. In all it's a total of 6 late payments. My credit score has taken a 42 point hit because of this and no one seems to care to help, including the CFPB. I've attached a copy of my most recent credit report for review. Also, I explained to Nelnet that as a consumer I have the right to privacy and I never authorized Nelnet to report on me. I was told that information was included in my XXXX, which it does have a section entitled " credit bureau notification ''. However, my understanding of 15 USC 1681a ( d ) ( 2 ) ( i - iii ) is that the report excludes information solely as to transactions or experiences between the consumer and the person making the report. In addition, the corporation or any of its affiliates has to be explicit in communicating with the consumer that said corporation ( Nelnet ) intends to share any private information prior to initially sharing it with a third partyallowing the consumer to direct that such information not be communicated. I at no time neither via writing or verbally was disclosed this information. So in essence, Nelnet is wrong in reporting wrong information, wrongfully.
Product: Credit card

I'm supposed to have auto pay setup on all of my credit cards. 

This is the fourth time within a year and a half that Capital One has charged me a $ XXXX late fee. 

The last time this happened, I spent several hours on the phone to ensure that auto pay was active and that this would not happen again. 

The representative at the time assured me that I was enrolled and it wouldn't happen again, yet here we are.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : inquiries I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX Account DATE : [ XX/XX/XXXX ] Reason : [ NOT CORRECT ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. 

Thank you for your time and help in this matter. 

Sincerely,
Product: Checking or savings account

On XX/XX/XXXX I deposited a pay check for {$4900.00} in the ATM of US Bank XXXX XXXX XXXX XXXX. XXXX, CA XXXX. Twice a month my paycheck was directly deposited to this same account for 1.5 years. I received a letter from US Bank dated XX/XX/XXXX stating the check was on hold because there was reason to believe the check would not be paid. I called the US Bank customer service and fraud dept. and the representatives repeatedly explained to me they could not give me any specific details. On XX/XX/XXXX I received a second letter stating that US Bank was closing my account for suspected irregular activity. The funds that were in my account before the pay check was deposited were not available for me to withdraw. I continued to call US Bank customer service and fraud departments and was given the same response each time that no details were available explaining why may account was closing. On XX/XX/XXXX I received a letter stating that my US Bank checking account was closed and I would receive an official check for the credit. I did receive a check for {$250.00} dated XX/XX/XXXX. I called my local branch and was told by the branch manager there was nothing she could do and there was no notes with details on my account. I did email and speak with the employer who issued the check on XX/XX/XXXX and they informed me the check had been deducted from their bank account. I filed a claim with the CA XXXX XXXX regarding the final pay check owed to me. I had a meeting with the CA XXXX XXXX on XX/XX/XXXX and was instructed to obtain a letter from US Bank specifically stating why the funds were not deposited into my checking account. I called US Bank fraud dept. on XX/XX/XXXX and and spoke with my local branch manager and was told the funds were put in a holding account on XX/XX/XXXX. I asked why I was not notified or sent a check for the money owed to me from over a year ago. My account was closed after the money was put on hold in my name. But, when I called multiple times after XX/XX/XXXX no representative from US Bank would give me any details regarding the funds I deposited or why my check account was closed. The branch manager explained to me she was waiting for the funds on hold to be transferred to her bank and she would mail me a cashiers check.
Product: Mortgage

Spoke with a random Beneficial HSBC mortgage agent on the phone on XXXX/XXXX/2015 to ask about a reduced interest rate for my mortgage, yes we can do that. Received letter dated XXXX/XXXX/2015 offering a Loss Mitigation Application trial period. If I were to meet the XXXX payments in the trial period, my loan interest rate would be reduced to 8.422 % and a reduction of {$170.00} in mortgage due per month. I called the number on the letter and asked what is the catch? No, catch, we want to do this for you. My gut said something was fishy but I wanted a lesser interest rate and monthly payment, I paid the three month trial period. When I finally got the actual paperwork on XXXX/XXXX/2015, it was too late to back out, if I did, I lost the three months that I have already paid, which they would not apply to my mortgage, meaning, I was paying XXXX each month for XXXX months. What I thought was too good to be true, was. During this time, my mortgage specialist agent was switched to a different woman. She was extremely defensive, stating that she was just doing her job. Another red flag. 
Now, I have another negative reporting on my credit rating, Beneficial has the Deed-in-Lieu of Foreclosure on my house and will send me a XXXX for XXXX for the 2015 tax year. I signed the papers and returned them because I could not afford to pay three months mortgage XXXX. I am mad that I was taken advantage of. Yes, I should have had a lawyer look at it for {$250.00}, that is my error. I would like to have this corrected and stopped so that other people like myself, hardworking, just trying to make ends meet and have the XXXX dream of owning a home and making an honest living do n't have to have the stress and anger that I experienced with Beneficial. 
I have all of the paperwork and names of the persons that I spoke with at Beneficial that show every step of the way. 
Thank you for your assistance with this. I hope that my story will help others.
Product: Credit reporting, credit repair services, or other personal consumer reports

How are you and how are you doing during this COVID-19? For the last 90 days i been trying to resolve an issue i see on my credit and supplied every type of documents to the XXXX XXXX   due to account that doesn't belong to me. I've asked several times for them to provide detail as shown below and they've failed several times. Again, I have disputed this item with the credit reporting agency and the original company and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Debt collection

Account removal and due to noncompliance of multiple violations, I want to also seek {$1000.00} per violation for Defamation, Enablement of Fraud, No Investigations Performed, Violations of Collection Federal Laws.