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

Privacy issue related to my credit report, specifically in connection with the account provided by [ XXXX XXXX XXXX XXXX ]. Pursuant to the Gramm-Leach-Bliley Act ( GLBA ), I am seeking clarification and resolution regarding the privacy of my personal information. 

I believe there may be a violation of the GLBA, which mandates the protection of non-public personal information. To address this concern, I am requesting the following information : 1 Detailed Explanation : Please provide a detailed explanation of how my non-public personal information is being handled, including the measures in place to ensure its confidentiality and the entities with whom it has been shared.

2 Opt-In Documentation : As required by GLBA, I request documentation confirming that I have explicitly opted-in for the sharing of my non-public personal information. This includes any initial notices provided to me at the establishment of the customer relationship.

3 Written Contracts and Agreements : Provide any written contracts or agreements between myself and the data furnisher explicitly granting permission to share my non-public personal information.

4 Signature Confirmation : Furnish any documents bearing my signature, confirming my explicit consent ( OPT-IN ) for the sharing of personal information. 


Failure to provide the requested documentation within a timely manner of 30 days from the receipt of this letter may compel me to pursue further action, including filing a complaint with regulatory authorities. It is crucial to address this matter promptly and transparently to ensure compliance with GLBA regulations I appreciate your immediate attention to this matter and look forward to a prompt resolution.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint regarding multiple disputes I filed with Experian, Transunion, and Equifax concerning accounts reported by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX on my credit report. My dispute specifically requested verifiable proof of my signature or authorization to validate the accounts legitimacy provided by the original creditor. 

Despite multiple disputes and requests, Experian, Transunion, and Equifax closed the dispute as accurate without providing any evidence from the creditor, such as a signed agreement or application proving I consented to this account. This failure to provide verification violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy of reported information. 

I am formally requesting the CFPB to investigate this matter and require Experian, Transunion, and Equifax to either produce documented proof of my authorization or have the account removed from my credit reports immediately. 

The first Creditor is XXXX XXXX XXXX : There are XXXX collection accounts : XXXX. {$5500.00} XXXX. {$8600.00} The Second Creditor is XXXX XXXX XXXX XXXX XXXX : There are XXXX collections accounts : XXXX. {$18000.00} XXXX. {$25000.00} XXXX. {$450.00}
Product: Money transfer, virtual currency, or money service

I made the mistake of doing 3 big ACH transfers to Coinbase ( $ XXXX each ) back to back3 days in a row. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, respectively. Coinbase accepted these payments no issue with out warning that my funds could be potentially locked up. ACH funds were stated to be available in 3-5 business days. I even got emails saying that these funds were now available for withdraw. My intention was to transfer off-chain as soon as possible, since I don't trust centralized exchanges anymore. 

It first started as a 14 day freeze, as they reviewed my " intentions '' They asked the following questions- Please explain your intended use of your Coinbase account - why did you sign up for Coinbase and what do you intend to use Coinbase for? 
- Were you directed by a third party to create the account? 
- Were you directed by a third party to transfer funds? 
- Does anyone besides yourself have access to your account, or account credentials. 

After responding I was told I would receive a response in 14 days Today I checked in with support and now my account is restricted until XX/XX/XXXX!!! 60 days from now! That's absolutely absurd, I've been given no reason as to why this happened. They can't speak about the details due to " security reasons. '' The exact response was " We've determined that your account is currently not eligible for a review at this time. However, you can contact us after [ XXXX ], and we can submit your account for a review at that time to lift the restrictions from our end. " So effectively my money is held hostage without the ability to link bank accounts, or close my account due to having a balance that I can't transfer. Account restrictions forbid adding deposit and payout methods.
Product: Debt collection

THERE IS A DEBT COLLECTION AMOUNT OF {$760.00} THAT THE DEBT COLLECTOR IS TRYING TO WRONGFULLY COLLECT.I HAVE CONTACTED XXXX TO HAVE THIS DEBT TAKEN OFF MY CREDIT PROFILE THIS COLLECTION ACCOUNT WAS A RESULT OF FRAUDF I NEVER HAD A SPRINT ACCOUNT. 


I HAVE CONTACTED XXXX, XXXX IS SAYING I SHOULD CONTACTED DEBT COLLECTOR WHEN I CONTACT DEBT COLLECTOR, DEBT COLLECTOR WOULDNT TAKE IT OFF.

I LOST A WALLET DURING WHEN THIS HAPPENED. 


SINCE THEN EVERYTHING IN MY PROPERTY WAS REPLACED. 


I REQUESTED A DRIVERS LICENSE REPLACEMENT AND ALSO CLOSED ALL MY CARDS. 



I HAVE FILED A DISPUTE WITH XXXX 3 TIMES THEY STILL REFUSE TO ACCEPT THE DISPUTE AND TAKE OFF MY CREDIT REPORT. 


I KINDLY ASKED THEM TO SHOW ME VIDEO PROOF THAT THIS WAS ME MAKING THIS PURCHASE THEY DONT HAVE THAT. 



PLEASE LET ME KNOW. 


THANKS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission.

INQUIRIES : XXXX XXXX XXXX : XXXX XXXX bUSINESS TYPE : AUTO FINANCING DATE OF INQUIRIY : XX/XX/2022 XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Product: Student loan

I was offered a consolidation of my federal student loans buy sallie Mae over ten years ago. That loan is now with Navient. I was not informed that it would become a private loan. I was struggling as a  single parent and have many health problems. I am now laid off due to coronavirus and because this huge loan is now PRIVATE the forbearance of payments and interest until XX/XX/XXXX is not applicable. Over the years I was talked into taking forbearances by Navient because I couldn't afford the monthly payments. My loan has gotten higher and higher. I am XXXX and these loans are from almost 20 years ago. They claim to have forgiveness programs but that is not what they are. They are rigid and lengthy and you really end up paying everything back and a lot more. I was young, naive and on my own. Had I known better I never would have gone to college. I will likely be dead before this loan is payed off. They should not be entitled to use the word FORGIVENESS because it is a euphemism for " we will take everything you have until you are done. '' This has become the centerpiece of my life. I feel hopeless along with millions of other borrowers. I have worked like a dog my whole and pay taxes on the necessities of life and then get taxed on my income to buy those necessities. If any REAL forgiveness is ever established by the government I am screwed because I was railroaded into a PRIVATE consolidation. What they did was deliberately deceiving and the should be held accountable. I may now have to file for bankruptcy in the hopes that I can enjoy the rest of my few good years left.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act Convergent XXXX Act # XXXX, XXXX Act # XXXX, XXXX XXXX # XXXX, XXXX  XXXX Act. # XXXX, XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX Act. # XXXX, XXXX XXXX  Act. # XXXX, XXXX XXXX Bank XXXX # XXXX has violated my rights. 

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

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

The total debt reported on my XXXX and Transunion credit report is showing as {$11000.00} and that is incorrect. The correct amount is {$8600.00}. This error has been on my record for months and I find this to be unacceptable that they are not keeping up with the correct updates like XXXX does.
Product: Bank account or service

Northern trust of XXXX XXXX representatives habitually fail to respond to letters, certified or otherwise, about concerns with open issues in relation to my father, XXXX XXXX XXXX 's estate, turned over to Northern Trust of XXXX XXXX in XX/XX/XXXX. 

An E-Mail was sent to Northern Trust headquarters in XXXX on XXXX/XXXX/XXXX, asking if there would be someone who would be willing to discuss my concerns before a complaint goes public with the Consumer Financial Protection Bureau, the only response to which was an acknowledgement of inquiry, copy attached. 

There has been no response to a certified letter, addressed to the executor of my father 's estate at Northern Trust of XXXX XXXX, a copy of which would be attached, again documenting the open issues with the estate, as well requesting specific documentation required to perform an accurate accounting of my father 's estate. 

Consultation with several Florida estate attorneys resulted in complete assurance that as a beneficiary of the estate I have the full legal right to such documentation. 
Are you aware of any national investigative journalists who are, or might be interested in, investigating estate management companies such as Northern Trust? 

The idea that so much effort must be applied to simply request Northern Trust of XXXX XXXX to perform according to their legal responsibility would be oppressively offensive. 

My father who was an estate lawyer all his life must be rolling over in his grave after surrendering authority over his assets to Northern Trust of XXXX XXXX. 

The transfer documents for the sale and distribution of my father 's portfolio would have taken me less than a week to process. 

The sale of his condo could have been easily handled by a real estate agent. In fact the condo was sold to the only person who ever showed interest in the condo for {$60000.00} below appraisal value, without ever being publicly listed. 

That this matter drags on for sixth years would be an abomination.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts was opened fraudulently : XXXX  XXXX- {$1200.00} XXXX XXXX- {$1000.00} XXXX XXXX- {$690.00} XXXX  XXXX- {$610.00} I have never filed Bankruptcy and it's reporting on XXXX/XXXX that I have.
Product: Vehicle loan or lease

Covid 19 happened. I lost over 75 % of my clientele and am trying to recover after having Covid multiple times. They told me they were going to charge the vehicle off. They never did and continue to call harassing morning noon and night. I'm tired of them calling. I told them if they want the car come knock on the door and I'll give them the keys. But, what they won't do is steal it. It's till my property.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 161i, which mandates a reasonable investigation of disputes, Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

TRANSUNION I DISPUTE 4 TIMES DATES IS XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  .I PAID {$1800.00} XX/XX/XXXX {$0.00} BALANCE NOW TRANSUNION IS STILL SHOWING {$1800.00} XXXX THE SAME THEY DID SHOW PAYMENT {$0.00} THEN WENT BACK TO {$1800.00} TRANSUNION SHOWED {$1800.00} XX/XX/XXXX PAID ON XX/XX/XXXX {$0.00} THEN WENT BACK TO {$1800.00} NOT PAID DISPUTE NUMBER XXXX
Product: Debt collection

Just looked at my XXXX report and found a XXXX DOLLAR DEBT from a place I NEVER recieved services from!!!!
Product: Debt collection

CMRE Finance Services is in collusion with XXXX XXXX XXXX XXXX to extort money from me for a bill that was already paid by my husband 's insurance. 

XXXX XXXX was billed for the XXXX {$1100.00} ( XXXX XXXX XXXX XXXX ) and for the physician, {$1800.00}, ( XXXX XXXX XXXX ). XXXX XXXX then sent us a bill directly for the {$1100.00}. I told them our insurance had paid XXXX XXXX XXXX. Rather than check the facts they sent it to CMRE for collection. I told CMRE the bill was paid and sent them a copy of the insurance statement Rather than check the facts they filed a collection on my XXXX credit report. I sent a letter to XXXX to investigate. They took the word of CMRE Financal. 

I have sent letters to CMRE and have spoken to them on numerous occasions and have spoken to a manager named XXXX. Their story kept changing. First they said the {$1100.00} was not for XXXX XXXX XXXX that it was for the doctor. I questioned this since it was highly unlikely that the XXXX and the doctor would charge the exact same amount. They then said the doctor 's original bill was for {$1800.00} and that the {$1100.00} was the settlement amount. I told them the doctor had billed directly the {$1800.00} and was paid. How did they know what the original doctor bill amount unless they were working with XXXX XXXX? I sent them the XXXX XXXX statement showing them this. They said they would look into it. Since then they have not returned my calls and my credit report shows the collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX Bank 's response enlightened me regarding my concern. I am fully convinced that this is a situation that involves fraud. The company that contacted stated that they would file a Civil Suit against me if I did not pay {$850.00} in full by XXXX XXXX. The company 's name is Summit Consumer Group XXXX. They would not under any circumstances allow me to pay through mail or mail me a payment schedule. They wanted me to purchase a prepaid XXXX card to make my payment over the telephone. By the end of the first and only conversation I had with the company, I was able to get a physical address. It is supposedly : XXXX XXXX XXXX XXXX XXXX. ; XXXX, CA. The telephone number I received was XXXX ; XXXX XXXX. I was informed that I could call XXXX XXXX XXXX XXXX XXXX. The following number often appeared on my caller ID : XXXX. This company called my husband and XXXX of my brothers. How were they able to find their names and numbers? In addition, I received credit reports from XXXX, and XXXX during the week of XXXX XXXX, 2016. Summit Consumer Group XXXX claimed that they would remove the bad account from my credit report if I paid them, but it is not on my credit report. Thank you Consumer Financial Protection Bureau! I appreciate your diligence in investigating this disturbing case on my behalf. I am grateful for XXXX Bank 's professional response regarding my concern.
Product: Checking or savings account

I deposited a {$2500.00} check yesterday at bank of America 's ATM. Despite the requirement that the first {$200.00} be available the next business day, my receipt shows the full amount is on hold until XX/XX/2019
Product: Debt collection

There is an incorrect account reporting to my credit profile, which is affecting my credit, and affecting me from being able to receive new credit I have been requesting to have this debt verified that it is mine and irrefutable 100 % by requesting the original opening agreement with my signature date and ID that was used to open up this loan agreement by mail or by email. However this company will just continue send me an automated message saying that it is validated, but will not present proof on how they validate it or present me the proof that it is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Clarity Services inc did has misleading info on my report with them on XX/XX/2018 i was dined credit due to the neglence and misleading report that was made by Clarity Services inc due to their negligence they must remove all negative items at my request. i was dealing with this firm for over 5 years and they did not send any thing back to prove that i had any business with them or their people they are reporting. 

Questions i ask and demanded and their field to do such infestation the list as fallowed 1 prove that this debt is mine 2 showing me a statement that bares my signature 3 written contradt that i let them take the info about me and prove that i agged to the people they say i owe and or reporting false info about me.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I requested verification and validation of debt being reported by XXXX XXXX XXXX. The credit bureau failed to take action in 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My apartment was broken into and several of my identity documents were stolen which resulted in the take over of my Bank of America checking account. I filed a police report which has been attached. Bank of America risk department froze my checking account and closed it. I was told by numerous Bank of America employees over the phone and in writing that no negative information would be reported to any credit reporting agency for any of my accounts. I have now found that Bank of America has reported the hacked accounts to XXXX and XXXX XXXX XXXX. Since these accounts were taken over as a result of identity theft I would like the account reporting to be updated.
Product: Credit card or prepaid card

I never received a statement for this XXXX XXXX XXXX credit card after applying for the account. It has been nearly three months ( since XX/XX/18 ). I have called at least 4 times asking to be sent this statement and still I have not received it. It took two months just to receive the credit card in the first place -- and I had to call twice to get that. So I didn't even know my own account number for two months, to whom or where to send payment, and had absolutely no way of monitoring the activity on my account or using the card.

In addition, as a result of this delay I was unable to register online for the special promotion for a {$400.00} prepaid card because I was told to do it when I got the card. You can not register online without having your full account number. They would not provide me with the account number. I had to wait until I received the card or the statement bearing the account number. Later - too late to meet the promotional deadline - I was told I didn't have to wait for the card and I could mail in the rebate with just the receipt and last 4 digits of the account. I was denied the rebate.
Product: Mortgage

My mortgage lender, XXXX XXXX XXXX  transferred my loan to PHH Mortgage as of XX/XX/2021. There is a loan modification that is supposed to be taking place in order for me to become current on my payments ; however, I have not received any official information from PHH as of today. I have called them numerous times over the past two months, and had several scheduled phone appointments with their representatives to discuss the plan for my repayment- only to be told that they need additional time to process and review my loan. I was told initially that I needed to sign a packet with information regarding my modification and return it to them to process the modification. I was also told that I didn't need to complete this packet and they had all the information they needed from me. Either way, I have received no such packet. I have received letters about my delinquent loan ; however. I've also received calls to collect the money owed. On my end, getting in-touch with them is extremely difficult. A couple of weeks ago I tried to speak to a manager, and after holding for XXXX minutes I was hung up on. I have never received such horrible customer service. I am so afraid that my mortgage will default to the point of foreclosure, and I don't want that to happen. All I want is to get the loan modification underway, and become current on my payments.
Product: Credit reporting or other personal consumer reports

I demand verifiable evidence bearing my signature/electronic signature. This letter asserts my consumer rights under the Fair Credit Reporting Act, specifically Section 605B ( 15 U.S.C. 1681c-2 ) and Section 604 ( 15 U.S.C. 1681b ). I have contacted the relevant companies and found these actions were initiated without proper validation or original documentation from any of the reporting entities. 
XXXX XXXX XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX  Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX  XXXX XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX  XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX  XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX XXXX  Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately