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

According to U.S. Code 6802, financial institutions are required to provide customers with a clear and conspicuous notice that accurately reflects the institutions privacy policies and practices. This includes the institutions policies with respect to disclosing nonpublic personal information to third parties, as well as providing customers with the opportunity to opt out of such disclosures.National credit adjusters, all state, and XXXX XXXX XXXX accounts reported on my report. 
Sure, heres a template for disputing an issue related to XXXX Code XXXX, which pertains to the sharing of nonpublic personal information by financial institutions : [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] [ Name of the Financial Institution ] [ Institution Address ] [ City, State, ZIP Code ] Subject : Dispute of Nonpublic Personal Information Sharing - Violation of XXXX Code XXXX To Whom It XXXX Concern, I am writing to formally dispute the sharing of my nonpublic personal information by your institution, which I believe constitutes a violation of U.S. Code 6802 under the Gramm-Leach-Bliley Act ( GLBA ).

According to U.S. Code 6802, financial institutions are required to provide customers with a clear and conspicuous notice that accurately reflects the institutions privacy policies and practices. This includes the institutions policies with respect to disclosing nonpublic personal information to third parties, as well as providing customers with the opportunity to opt out of such disclosures. 

I have recently become aware that my equaifax and experian shared nonpublic personal information was shared with all state, XXXX XXXX XXXX, national credit adjusters without my explicit consent and without receiving the appropriate opt-out notices required by law. This action is a direct violation of the protections afforded to me under U.S. Code 6802.
Product: Checking or savings account

I deposited a check from my son a Joyous occasion that he repaid back a loan to start his business Deposited on XX/XX/XXXX on XX/XX/XXXX a restriction was placed on account, after several hours on the phone, the funds were to be released on XX/XX/XXXX On XX/XX/XXXX restriction remained Chase was unaware of policy at local branch, several hours on the phone information was needed, I complied and had my son go to bank and upload all information, next day XX/XX/XXXX account was closed. NO INFORMATION AT ALL WAS DELIVERED BY CHASE BANK XXXX  NOTHING BLANK CANVAS NOTHING AT XXXX LOCAL BRANCHES IN XXXX OR XXXX XXXX WHERE MY SON XXXX NOTHING TO MY SECURE MESSAGE CENTER< NO REACH OUT TO XXXX BANK MYSELF OR THE BRANCH NO CLUE BY INCOMPETANT CHASE BANK i call again so happy on a recorded line NO ONE KNOWS ANYTHING on XX/XX/XXXX he has to go back into the bank to upload again!!! The account is closed My money is gone, No clue in Chase where it is, when I will receive it, who was notified of additional requirements, when I could expect my money THAT WAS STOLEN and what happened to the XXXX It Is truly a CHASE bank
Product: Credit reporting or other personal consumer reports

XXXX XXXX is not reporting my mortgage payments at the amount of XXXX monthly to the credit bureaus since the year XXXX. They stopped reporting it when I had to file for the XXXX XXXX XXXX when I had to stop working because the XXXX I was working at had to close because of XXXX. It's showing XXXX XXXX XXXX closed XX/XX/year> I make my mortgage payments on time in full so please help me get this put back on my credit report
Product: Credit reporting 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 XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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

XX/XX/XXXX My credit dropped about XXXX point and my cosigners credit dropped about XXXX points randomly due to missed payments that were reported out of the blue by Exeter Finance. I called Exeter Finance to report this, and they stated that they gave me the run around stated that the information reported was false due to it being from XXXX XXXX and that I would have to check a credit company they report to, so I did, and it was still reporting that it was a late payment. so, I contacted them again and Exeter finance told me that I must dispute it, which I did, and my issue was resolved. Then, XX/XX/XXXX, mine and my cosigners credit dropped again. Due to the same information that was fixed was being reported again. I then reached out to Exeter again and they stated that it was a problem with the credit company and that I must talk to them, so I did and that stated that it was Exeter 's reporting that was the issue, so I called them again and was told that in their system they don't have me had ever been late, I filed a complaint threw Exeter to have the issue looked into and filed a direct report threw XXXX, as a result they fixed my credit score again. Then XX/XX/XXXX, my credit and my cosigner 's credit dropped again. I repeated the same steps. I filed Disputes threw XXXX, XXXX, XXXX XXXX, and contacted Exeter finance again and they still stated to me that I have never been late on a payment to them, and my credit was once again fixed. Now, XX/XX/XXXX, again my credit and my cosigners credit dropped again, I filed a dispute again and contacted Exeter finance again and they refused to explain to me why this keeps happening, they refuse to fix it. they keep throwing me around and refusing to help me fix the problem. I've tried refinancing but I am unable to due to them making my credit horrible. I feel as if they are trapping me.
Product: Credit card

I stopped in the local Digital Federal Credit Union or DCU branch in XXXX, MA on XX/XX/year> to pay in full and remove my name as co-signer from my children 's credit cards that I had gotten for them when they were teenagers in High School. I was told that I could not without their consent, and I would be liable for any future charges to the card even though I offered to pay them in full for all previous charges. I reiterated that I would pay the full amount due on the accounts below. 
XXXX XXXX - DCU Cash Rewards XXXX - Balance Due - {$310.00} XXXX XXXX - DCU XXXX XXXX - Balance Due - {$480.00} I was told without their signature I could not remove myself as cosigner and would be liable on all future charges in perpetuity. When asked for documentation that I had signed that showed that I had no control over this account, yet would be held fiscally responsible they sent over three documents that do not state this anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting, under the provisions of the FCRA 15 USC section 1681i, that you investigate the XXXX XXXX XXXX account that appears on my credit report.. This account is inaccurate, old/time expired. 


I am requesting, under the provisions of the FCRA 15 USC section 1681i, that you investigate the XXXX XXXX XXXX account that appears on my credit report.. This account is inaccurate, old/time expired. 

I am requesting, under the provisions of the FCRA 15 USC section 1681i, that you investigate the XXXX XXXX XXXX  account that appears on my credit report.. This account is inaccurate, old/time expired.
Product: Checking or savings account

I have had an IRA account with Truist then Sun Trust for the past XXXX years. I opened the account through an employer, and at that time, it was with Sun Trust. I used to receive my statements until XXXX. About a month ago, I contacted them to transfer my money out of Truist, and they advised me to create an online account to have access to my funds. I created the online account on XX/XX/XXXX, and clicked on 'Documents ' to get my statement. However, I received an error message saying, " Service Unavailable. The service you are attempting to access is currently unavailable. Please try again later. If the problem persists, please call XXXX ( XXXX ). '' I called Truist customer service, and they told me to contact the local branch as my account was with them. When I called the local branch, they informed me that the system should be up soon. However, even after XXXX months, I am still getting the same error message online. 

I called Truist again, and this time, they told me that they don't know which local branch my account belongs to and gave me the number of the headquarters branch. Unfortunately, there was no option to speak to a real person. So I called customer service again, and they informed me that they do not provide IRA statements online, and I would have to wait to receive them by mail. They also told me that they would need to learn which local branch my account belongs to. Once again, they gave me the number of the headquarters branch, but there was no option to speak to a real person. 

I am seeking assistance in getting a statement to transfer my money from Truist to another institution.
Product: Credit reporting or other personal consumer reports

I am writing as a victim of identity theft resulting from the XXXX data breach to request immediate correction of inaccuracies on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). This correspondence specifically invokes the rights afforded to me under several key sections of the FCRA, including Sections 605B, 609, 611, 623, and 605C. 

Section 605B ( Block of Information Resulting from Identity Theft ) : You are required to block fraudulent information from my credit report within four business days of receiving this notice, supported by my identity theft report. 
Section 609 ( Disclosures to Consumers ) : I request a copy of all information in my credit file and a list of all entities that have received my credit report within the last year. 
Section 611 ( Procedure in Case of Disputed Accuracy ) : I demand a thorough investigation into the disputed information, with necessary corrections or deletions to be made promptly. 
Section 623 ( Responsibilities of Furnishers of Information ) : This section requires you to ensure that all data furnished is accurate and complete, and to investigate disputed information. 
Section 605C ( Prohibition of Sale or Transfer of Debt Caused by Identity Theft ) : Ensure that no debt resulting from identity theft is sold or transferred. Under Section 605B of the FCRA, you are required to block all fraudulent information resulting from identity theft from my credit report within four business days of receiving this notice, without waiting for a police report. Failure to comply with these provisions can lead to enforcement actions, including legal remedies under federal law.
Product: Credit reporting or other personal consumer reports

As I was reviewing my credit I came across unauthorized inquiries. Remove immediately. 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 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: Credit reporting or other personal consumer reports

In XXXX I got a car loan with XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX. During Covid19, I had to stay home with my son when his schools closed and could not work. Due to this I faced financial hardship and had to give up the car/loan. Car was repossessed by XXXX XXXX XXXX XXXX XXXX in XXXX. They sent me a letter shortly after stating they auctioned off the car for more than what I had originally purchased it for. I was never notified of existing debt/fees owed. 

Recently I tried to apply for an apartment and was denied due to XXXX XXXX XXXX reporting to credit bureaus that I owed them money ( XXXX ). I called XXXX XXXX and spoke with XXXX who told me my debt was with XXXX XXXX XXXX. I spoke with XXXX at XXXX XX/XX/XXXX and she told me I did owe XXXX XXXX XXXX. I paid this amount immediately ( XX/XX/XXXX ). She then said she does not see the charges for anything else in my name owed to XXXX XXXX. She told me to call them back. I call XXXX and speak with XXXX, and she states that she will have to investigate and call me back. Same day, she calls me and states my debt is with XXXX XXXX XXXX. I called XXXX and XXXX and spoke with XXXX. He looked me up by social security # and searched my first and last name and found no debt owed. 

I called XXXX XXXX XXXX back and they say they can not confirm the debt and need to investigate further ( XX/XX/XXXX ). I asked them to send me confirmation of the debt and they refused until they investigate. I have no way to pay off this debt that I was unaware of ( as it doesn't exist ), and they will not remove it from my credit report until the investigation is complete, as I have asked for XXXX times now. 

I can not rent an apartment or get a loan due to this false charge and XXXX XXXX 's inability to confirm the debt or even give me a process or way to pay it off even if I did owe it. I have no letters/emails stating I ever owed this amount to XXXX. I wish they would have notified me and at least attempted to let me pay off the debt before reporting it to the credit agencies. I would have paid what I owed, if I actually owed it.
Product: Debt collection

On XXXX XXXX I received a letter to collect from Midland Credit Management Inc. I sent two validation letters to the company. Where they did not give proper documentation. While I was Disputing this information they have been reporting it, without validating it. Completely disregarding my rights under Fair Credit Reporting Act ( ERCA ) 15 US.C $ 1681s-2. 

This company has not given the proper documentation of the right to collect this debt in my state. They could not provide me a California License Number. And as you can see in letters. They stated its pending. 

This company also did not provide me an itemized breakdown of the proper fees and interest, and how it got to this alleged debt. They gave me two months of statements ( one from XXXX XXXX- XXXX XXXX where balance was only at {$500.00} ) and ( Second from XXXX XXXX- XXXX XXXX were the balance was now {$890.00} ).
Product: Mortgage

Re : Case # XXXX Since my last contact with you, the servicer for my mortgage loan has changed to Rushmore Loan Management Services. My loan number with them is XXXX. They refused to accept the modification package from the prior servicer, XXXX. They demanded that I resubmit on their forms. I did this. I made sure these forms were complete to the nth degree. 
Now they have sent me a modification offer which does n't modify anything. First, they want all delinquent payments plus late fees and charges. Then, they want me to resume making payments at the original agreed upon amount and rate of interest. 
This type of ludicrous offer certainly does n't help a XXXX XXXX XXXX senior citizen stay in his home. 
What assistance are you able to give? 
Sincerely, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX
Product: Debt collection

So this morning a processing server co called me stating they trying to serve me I said for what, they gave me a number to call I got the number spoke with XXXX XXXX a mediation person out of CA for a debt that was never on credit report never received notification that I had still owed, out of statute of limitations so when XXXX gave me the number XXXX which is collection department corporate office for Checkmate, I asked the rep at the time why was I not notified by them or their agency it went to collections and why was I not informed of the Waver policy ( toll agreement ) the lady on phone said ma am we dont send to collections and we are. Not allowed to sell a debt if you we dont send to collections and we dont put waver policies in our contract but firm is saying its there she said you need to know what your talking about
Product: Debt collection

This debt collection has this on debt on my credit report since XX/XX/19. I have done research and this company is not allowed to collect debt in TN. I have not received any debt letter from this collection agency at all. I have seen this information on my credit report.
Product: Debt collection

I have disputed this account listed on my account less than 30 days ago and through CFPB and received a response that did not provide me with the verification I requested. 

What I requested was : Please note that I am requesting validation ; that is competent evidence bearing my signature.This was not provided. I was given a letter in which included a pile of bills saying I owe {$2100.00} on my credit report states {$2100.00}. You are violating my rights. 

I filed a complaint with Better Business Bureau this account was removed last week. It has since been placed back on my credit report with a dollar increase and a new owing date. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act.. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

I will be seeking a minimum of {$3000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) In accordance with the Fair Credit Reporting Act. 15 U.S.C. 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I got a letter from XXXX today on behalf of LVNV Funding LLC on a debt from XXXX XXXX XXXX XXXX. No Full Account number listed. Since LVNV Funding LLC could not provide verification of debt on the last one they sent out I am sure they can not on this and the only verification I will accept from these are the followingSigned copy of the contract, Fully payment history, last payment madethis is notice that this is disputed and they are in violation of consumer protection rights actually. I never heard of this company and all of a sudden they are sending my info out to several companies : XXXX Capital Services XXXX XXXX Capital Services, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX - all of these are XXXX. None of these companies have I ever heard of or from. Since my last cc was paid off in good standing they have to prove to me that I owe the bill and not just expect me to pay a bill they say I owe in their computer system because anyone can type up information and put it in their computer.
Product: Credit reporting

I could not continue making payments to XXXX XXXX XXXX XXXX XXXX NE XXXX in XXXX XXXX. I called them and made arrangements for the vehicle to be returned. XXXX XXXX XXXX reported a " charge off '' of {$11000.00} to TransUnion. XXXX then sold the debt to a third party ( XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX. ) In XXXX XXXX I contacted XXXX to pay off the debt. XXXX referred me to a third party collector XXXX XXXX XXXX ( XXXX ). I contacted XXXX and we agreed upon {$7700.00} to settle the debt, and I overnight mailed XXXX a cashier 's check. 

Now the problem : I obtained copies of my credit reports from all XXXX credit bureaus and the debt remains showing as a " charge off. '' XXXX says they wo n't report this account as " paid '' to TransUnion, that it is XXXX 's responsibility even though XXXX is mentioned on the credit report under XXXX 's Name. XXXX says they wo n't change the status. I have disputed it with TransUnion three times and submitted proof of settlement and payment, but TransUnion refuses to accurately update the credit report. 

I submit that : one, when XXXX XXXX XXXX sold the debt to XXXX XXXX XXXX, the debt ceased to be a charge off and that XXXX should have changed to status from " charge off '' to " debt sold '' ; two, once XXXX was informed by XXXX that the debt was paid/settled, that XXXX must change the status on the credit report to " paid/settlement '' ; three, that since proof of payment has been provided to TransUnion three times and that this inaccurate information on my credit report has been disputed three times ( and that XXXX and XXXX both acknowledge that the debt is paid, ) that TransUnion must change the credit report status from " charge off '' to " paid '' or " settlement. ''
Product: Credit card

I purchased a piece of furniture in XXXX 2015. They advertised 12 months with no interest to pay the total amount. When I received my statement, I began making the appropriate amount each month to ensure a total payoff by the XXXX month. I made XXXX payments in XXXX 2015 so that I would be sure to pay off before the due date. Recently, I went online to check my account activity. They have charged a minimum service fee ( {$2.00} ) and a late charge ( {$35.00} ) every month. I have called and spoken to XXXX different customer service representatives/supervisors, with no resolution. They have offered to remove XXXX or XXXX charges. I have paid through bill payer from my checking account which shows XXXX payments made for 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX XXXX  XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1500.00} ; XXXX  XXXX Balance : {$290.00} ; XXXX  XX/XX/2022.