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

Subject : Request to Cease Reporting Financial Information to Credit Bureaus Under Federal Law Dear Sir or Madam, ( XXXX XXXX CREDIT BUREAU & THE REPORTING CREDIT BUREAUS ) I am writing to formally request that XXXX XXXX immediately cease reporting all financial information related to my XXXX XXXX accounts to the credit bureaus and remove any such data from my credit report. This request is made in accordance with my rights under federal law, specifically 15 U.S. Code 6802 ( b ) of the Gramm-Leach-Bliley Act ( GLBA ), which grants consumers the right to opt out of nonpublic personal information being shared with third parties, except under certain conditions.

According to 15 U.S.C. 6802 ( b ) ( 1 ), financial institutions may not disclose nonpublic personal information to a nonaffiliated third party unless : The institution provides clear and conspicuous notice that such information may be disclosed.

The consumer is given the opportunity to opt out of such disclosure.

The consumer is provided with an explanation of how to exercise that option.

I am exercising my right under 15 U.S.C. 6802 ( b ) to opt out of any further disclosure of my financial information to nonaffiliated third parties, including credit reporting agencies. Additionally, under 15 U.S.C. 6802 ( c ), any third party that has received my information from XXXX XXXX is also restricted from further sharing it, which includes credit bureaus. 

Furthermore, under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have the right to dispute any information furnished to credit bureaus if I do not consent to its disclosure. Since I am expressly revoking my consent for XXXX XXXX to report my financial data, any continued reporting would constitute a violation of federal law. 

I kindly request that XXXX XXXX and the credit bureaus promptly process this request in accordance with federal law. Failure to comply will leave me no choice but to pursue legal action to enforce my rights, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. 

Please provide a written confirmation of your compliance with my request within 30 days of receiving this letter. If you require any further information to process my request, kindly inform me in writing at the address provided above. I have attached a copy of the above referenced law in the file attached called, ''golden ticket ''. It is hope that you will honor my request as if you fail to do so then I will be forced to seek legal actions to preserve my rights based on the laws listed in this notice. I am still liable for all debts owed to XXXX XXXX but I am exercising my rights to opt out of having my information shared with any third parties including the credit bureaus. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unauthorized Credit Inquiries Dear CFPB, I am writing to formally submit a complaint regarding unauthorized inquiries on my credit report that violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b. 

Upon reviewing my credit report, I discovered several inquiries that were made without my authorization, which include : NAVY FCU : Inquiry date [ XX/XX/year> ] XXXX XXXX : Inquiry date [ XX/XX/year> ] XXXX XXXX XXXX XXXX date [ XXXX ] According to 15 U.S.C. 1681b, a credit inquiry may only be made with the consumers authorization or for permissible purposes, such as credit, employment, or insurance applications. As I did not grant permission for these inquiries, they are in direct violation of the FCRA. 

I have previously contacted the relevant credit reporting agency to request the removal of these unauthorized inquiries. However, if these inquiries are not removed within 30 days, I am prepared to take further action, including pursuing legal remedies. 

I kindly ask for your assistance in addressing this matter and ensuring that my rights as a consumer are upheld. I would appreciate any guidance you can provide regarding the resolution of this issue and the enforcement of the FCRA. 

Thank you for your attention to this important matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed information outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been over 30 plus days in have not had a response. I sent out a letter to verify the Accuracy On my Credit Report but gotten no respond. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted if not verified. They were unable to provide me with a copy of the supporting documentation as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account : Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX  XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX, has 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 count without my written instructions.

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

Ive filed many disputes with them telling them that the accounts are not mine but they continue to hold me accountable for them and they have derogatory remarks on my credit report my younger sister come to find out used my SS # for credit cards, rent a apartment in XXXX on XXXX XXXX XXXX XXXX and open a banking account she also lived at my parents house which was the XXXX XXXX XXXX and at 1 time lived at XXXX XXXX but was XXXX XXXXXXXX as I was XXXX XXXXXXXX before she was evicted due to drugs and non payment of rent shes used my sons, mothers and her daughters ss # as well to open fraudulent accounts also she fell sick in XXXX and passed in XXXX when I purchased my car in early in XXXX nothing was ever said to me but the finance amount was small when i went to move later that year was when everything exploded and I found out about it I dont know if she had someone else that was working with her because Im still to this day having non stop fraudulent charges constantly just recently I looked up two stores online and have fraudulent charges on my credit card for them and Ive never been there I need help they said that the cards were activated by a phone number in my name well that was easy for her she was on probation had no credit so her cell phone was under my XXXX account at the time of course she had everything that she needed to make sure that it was all accessible to her and I dont know how to fix this
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft. The following accounts are fraudulent : To protect myself from further harm, I have filed a police report and an Identity Theft report. ( See attached reports. ) These fraudulent accounts were not authorized by me. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint over a Bankrupcty that is not accurate and was deleted from my XXXX XXXX due the items being inaccurate. I have the unverified information please delete the following : XXXX XXXX XXXX XXXX. I am in the process of closing on new business equipment and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report. If the above items are inaccurate, misleading, and incomplete. I expect you to make a re-investigation immediately.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX on many diffrent occasions and nothing has been done about the fraudulent inquires that are on my credit reports I have sent them detailed information such as police reports, FTC reports and nothing has been done the Inquires need to be removed due to the I have disputed these inquiries as lacking permissible purpose and being unverified, yet you have failed to respond within the 30 day period allowed under the FCRA. As I have previously stated, I contacted the companies myself and have been unable to get them to verify that they possess any evidence of permissible purpose or authorization to check my credit these inquest need to be removed as they are fraudulent inquires [ 15 U.S.C. 1681 ] these need to be blocked from my credit report.
Product: Mortgage

We were going to refinance our home through XXXX XXXX. XXXXXXXX XXXX   was working with a closing company that asked us to sign more papers and we would be good to close, but they did not explain what we were signing. Without reading the paper my husband signed a subordination agreement concerning our home equity loan through US Bank cutting on line of credit substantially. We then received a letter from US Bank explaining what He had signed and we canceled our attempt to refinance. We let US Bank know we are not following through with the refinance but they refuse to unfreeze our credit line. Ive made several attempts to contact them and resolve this and I have not gotten any feedback from them except initially it should take up to 7 days. It had been almost a month now, and every time I call I am not given any specifics or reason why they wont unfreeze our credit line.
Product: Consumer Loan

Can not make car payment online or over the phone when I tried to make payment on  XXXX  .2017. Got this m essage when I tried to make payment.     Sorry, you are unable to make a payment at this time.   You can not make any checking or savings account payments at this time. Please call Customer Service at  XXXX  to have your account reinstated.     I have called them several times about this issue and even when I tried over the phone it did not allow me to do so, it just cut me off.     The las t 2 p ayments have been made over the phone and tonight it would not allow me to do so. I have repeatedly asked them to fix the online tool and still has not. These people are CROOKS! I am over this entire fiasco with them and also have decided to report them to the Attorney General and also seek advice of legal counsel as they have continued to violate me as a consumer with illegal tactics!
Product: Checking or savings account

My mother is a joint account holder on this account. She had a check stolen from a post office during a well documented drop box break-in event at XXXX, OK. A few other dozen checks were stolen at the same time ( XXXX ). The check was washed with a different recipient and dollar amount ( {$7500.00} ), then cashed on XXXX. We discovered the check fraud during our statement review in early XXXX, XXXX. We promptly contacted Old National Bank ( ONB ) where our checking account resides on XXXX. We then submitted to ONB the requested affidavit along with the police report #, including the letter from the postal service indicating the postal crime and check fraud that occurred. We started inquiring of ONB about reimbursement to our account soon afterwards. In early XXXX, we were told that it takes a while to work through these issues, to be patient, and check back in about 90 days. I contacted ONB on XXXX asking about an update for reimbursement. I was put in contact with the local bank 's branch manager and expressed my concern that I had no evidence or assurance that reimbursement of our account was being pursued. On XXXX, I received an email from the manager indicating that compliance, legal, and senior executives had met to discuss our case and that they would not provide any provisional or permanent credit to our account until they hear back from XXXX  XXXX XXXX ( the bank that received the altered check ). 
In my discussions with other banks and credit unions that we do business with, it is a standard practice for the victim 's bank to provide reimbursement while pursuing the other bank that received the fraudulent check.
Product: Mortgage

Impac Mortgage dba XXXX XXXX is my lender and servicing company. Over the last 6 months I've had to call and fight with them about a late fee that they hit me with. I have a grace period through the XXXX of each month. I make sure that the payment is in the mail like last month was on the XXXX. The address that I send my payment to is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
I live in XXXX, CA and have a father in law that lives in XXXX XXXX. We send him mail on a regular basis and never has ever taken more than 4 days for delivery. I have an Insurance co in XXXX XXXX that I mail payments to and it never takes more that 4 days to deliver, but for some reason Impac Mortgage takes 10 days. I then end up with a late fee that I have to fight about. So XX/XX/XXXX I mail the payment and it was not processed until XX/XX/XXXX. I feel this a way for them fleece their customers. 
I will be moving this to an online payment so to avoid this in the future but It just grinds on me that they do this and then I have waste my time fighting with them. 
thanks XXXX XXXX XXXX, CA
Product: Checking or savings account

On XX/XX/2018 I received a check from XXXX XXXX and XXXX XXXX for {$15000.00} I  took the check to my branch office of CHASE Bank located at XXXX XXXX XXXX, FL XXXX. Ph # ( XXXX ) XXXX I was informed by teller # 3 that a 1 day hold ( Friday XX/XX/2018 ) would be placed on the check funds but the funds would be available on Saturday XX/XX/2018. 
See attached copy of check deposit. 
On Saturday XX/XX/2018 I checked my Chase Bank account online to verify that my check funds were now available. My Chase Acct shows an available balance of {$15000.00} See attached screen shot. 
Seeing that my Chase Acct had the funds available I proceeded to electronically send out payments to various businesses 20 in all for various amounts. 
After this I went to my local Chase Bank branch identified previously. I was then notified at the branch ATM that my funds were not available for removal. Seeing this I then went inside the branch to have them check on the status of my ATM card. The teller notified me that my ATM card was not on HOLD and then she tried to remove my requested funds. This is when the teller was notified me that there seems to be something wrong with my Chase Account. I was handed off to a personal Chase Banker, XXXX XXXX who contacted Chase Fraud Prevention located in XXXX, XXXX XXXX where I talked to XXXX XXXX Operations Supervisor. 
XXXX XXXX stated to me that my entire account was no on a FREEZE for the next 5 to 7 Days. I asked XXXX XXXX to explain why my entire account was to be placed in a FREEZE Status? XXXX XXXX stated that since there was no phone number on the check so that she could verify the person who signed the check was aware of the check. 
I asked XXXX XXXX if Chase Fraud Prevention would make available {$200.00} to me in compliance with Federal Banking Regulations? XXXX XXXX said " NO ''. 
In my entire life of XXXX years I have never been contacted by any bank to verify that I signed a check issued. 
I contacted XXXX XXXX XXXX, the bank that the check was issued from and asked them about the check from XXXX XXXX and XXXX XXXX. XXXX XXXX XXXX informed me that the check was honored and paid on Friday morning XX/XX/2018. 
This is an ongoing issue with my Chase acct currently on a FREEZE status. 
I want to file a Formal Complaint against Chase Bank a subsidiary of JP Morgan Chase and Company.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : XXXX XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX XXXX Former : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/year> Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Employers : XXXX XXXX
Product: Credit card or prepaid card

I placed an order on XX/XX/2019 through XXXX  XXXX for a set of struts and shocks. After about two weeks and no update I contacted the company regarding my order. On XX/XX/2019 I spoke with a representative who said the items I ordered were on backorder. I let him know that I did not want to wait and wanted my order canceled. The same day I went ahead and ordered from a different company. About a week went by and I had never received a refund from XXXX  XXXX for the order I had placed. I disputed the transaction through my credit card holder. LL Bean Mastercard. After several weeks I received a letter stating my dispute was resolved in my favor. Within a couple of weeks I received two shocks by XXXX and I was notified by LL Bean Mastercard that the credit had been reversed because XXXX  XXXX provided documentation showing that my order was never canceled and they had shipped me my order. They shipped the two shocks after the dispute and it was only half of my order. I contacted XXXX  XXXX  and told them I no longer needed their product and that I wanted to return it and receive a refund. I was provided a return shipping label which I still have a copy of. I returned the two shocks and have the tracking information to prove it was sent back and received. XXXX  XXXX never issued me a refund. I disputed the transaction a second time and it was immediately closed by LL Bean Mastercard with no explanation. I have opened a dispute regarding this transaction multiple times with no resolution from LL Bean Mastercard.
Product: Debt collection

My name is XXXX XXXX and I am 100 % owner of XXXX XXXX XXXX XXXX. My identity was stolen from XXXX XXXX XXXX located in XXXX XXXX XXXX. I never signed any documents or signed for any services to be performed by XXXX XXXX XXXX for me or my company. My mother and I contacted XXXX XXXX XXXX to see why I was in collections with First Data and they told me they had nothing to do with First Data which is a complete lie. I have supporting evidence that XXXX XXXX from XXXX XXXX is giving their sales reps the application subscription agreement for First Data. My Mother and I drove to their corporate office on XX/XX/XXXX at XXXX and XXXX XXXX XXXX they have nothing to do with First Data XXXX First Data has put me and my company in collections for the company XXXX XXXX for over {$3000.00} and First Data is telling me I am personally responsible for the debt. I have since shut my company down as a result of all of this. XXXX XXXX is classified as a financial company and they supposedly leased clover machines to my company that I never received nor requested. They can not even provide a tracking number for these machines. XXXX XXXX is classified as a financial company but they are not registered with your office nor are they registered with the FL XXXX XXXX XXXX and XXXX XXXX ( case # opened there as well with XXXX XXXX ). They are running a business illegal. Why is this happening? Attached please find NAICS codes. In XXXX XXXX XXXX XXXX XXXX XXXX were found guilty for deceitful practices and another case is currently open with them now.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXXXXXX 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

My personal information was breached because of Equifax to obtain several credit accounts and applied for several loans without my permission or authorization. I've sent Equifax, XXXX, XXXX several letters in detail about the situation, and in return within an average of 2 weeks they replied and said information is verified/certified correct. Sent letter on XX/XX/XXXX  second on XX/XX/, and both times nothing was changed. I've contacted the creditors also, and of course was informed that i have to take it up with the credit bureau who is reporting the information to have it removed. How is it the creditor when asked about it can't do anything but i have to contact the for XXXXXXXX XXXX XXXX to investigate, and nothing comes out of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card XXXX XXXX  and multiple hard inquirys on my credit report that doesnt belong to me I need them remove
Product: Credit reporting

Trans Union shared credit information with an outside party after I froze the account.