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

Re : Dispute Regarding XXXX - Violation of Privacy Rights and FCRA Dear Consumer Financial Protection Bureau, I am writing to file a formal dispute against XXXX for violations of privacy rights, specifically concerning the protection of nonpublic personal information, as outlined in 15 U.S. Code 6801XXXX has failed to adhere to the privacy obligations policy set forth by XXXX. Also Disputing The Procedures used to protect my information. 
I recently engaged with XXXX as a customer, and I am concerned about the mishandling of my nonpublic personal information. XXXX has not provided any opt-out disclosure, nor have they offered reasonable means to protect my private information, thereby infringing upon my privacy rights. I have observed a lack of transparency and adherence to the disclosure obligations specified in 15 U.S. Code 6802. XXXX has not provided clear and comprehensive disclosures regarding the use and sharing of my personal information, violating the explicit obligations set forth in the statute. 
Additionally, XXXX 's failure to furnish any opt-out disclosure or provide reasonable means to safeguard my private information raises significant concerns about their compliance with the privacy obligations policy and the overall protection of consumer information. 

Furthermore, I assert that XXXX 's actions are in violation of the Fair Credit Reporting Act ( FCRA ), and I request a thorough investigation into the matter. The lack of compliance with FCRA provisions raises serious concerns about how my consumer information is being handled by XXXX. 
Exhibits : ( XXXX XXXX. : XXXX, XXXX XXXX. : XXXX, XXXX XXXX. : XXXX ) XXXX of relevant communications with XXXX. 
Any written agreements or disclosures provided by XXXX. 
Documentation proving the absence of opt-out disclosure or protection measures. 
I kindly request the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate actions to ensure the protection of consumer privacy rights By Deletion of the Trade Line from the Credit Files Listed XXXX Experian, XXXX XXXX, & XXXX ). I appreciate your attention to this serious issue. I will explore legal Actions They have the Tradeline Furnished with Experian, XXXX XXXX and XXXX I Direct the Consumer financial protection bureau to Remove the Tradeline Third and Final Notice
Product: Credit reporting or other personal consumer reports

I am a survivor of debt bondage, a form of human trafficking where I was coerced into accumulating debts. This situation has left derogatory marks on my credit report. I am currently receiving assistance from a representative at the XXXX XXXX, a dedicated organization for human trafficking survivors. Together, we are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to remove adverse information related to trafficking upon filing an official claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

The information on my consumer credit report is inaccurate
Product: Debt collection

This company calls consistently. I understand that my payment is late, I am very much aware but the excessively overwhelming phone calls are unnecessary. My cosigner also receive calls and we get emails. It is overbearing. As early in the morning to as late as they can they call and multiple times per day from different phone numbers.
Product: Mortgage

after making XXXX XXXX dollar payments since XX/XX/2005. only XXXX XXXX has gone to the principal after 13 years. That is definitely wrong.
Product: Bank account or service

On XXXX XXXX, 2015, I took out {$100.00} from a private ATM and accepted an additional {$10.00} service charge. I was shortly notified by Bank of America via text I had overdrawn my account and incurred multiple {$35.00} overdraft fees. After investigating my transactions I found that the ATM or private vendor had charged my checking account 7 extra times, accruing a total of {$880.00} with no cash distributed. I spoke with the owners of the establishment and they told me to take it up with my bank. I posted a complaint to Bank of America and they immediately credited my account with the {$880.00}. On XXXX XXXX, 2015 the Bank informed me that they had found no evidence of fraud or issues and debited my account the {$880.00} and also not reimbursing the overdraft fee. After contacting the private establishment of the ATM again, stating I never requested that amount nor received the cash from the digitally claimed transactions. They informed me it was not their problem.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report ( Equifax ) shows hard inquiries on me made by XXXX XXXX every couple months for the past two years. I have never applied for credit with XXXX. I have tried contacting XXXX directly to figure out why this happening and have not been able to receive any help and it continues happening. I am afraid that someone else is trying to apply for credit using my information. I've also had the same thing happen with XXXX a couple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently contacted the company TransUnion about inaccurate information reporting on my credit that was making a negative impact on my creditworthiness. I contacted them in the month of XXXX to let them know of this activity. As well as inform them that the accounts reporting were made by way of fraud and that I filed a separate report with the FTC on said issues. I forwarded the information to them as well as tried to start a dispute process with them over the phone but I could not get any help at all. to know avail the information currently updated on my report is accurate even thou my address is incorrect and I do not have any knowledge of the accounts that reporting based on USCI recently reviewed my credit profile and noticed inaccuracies and/or incomplete information and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U, S.C. 5 1681i, every single one even each or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in their entirety or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment on my credit report : ( dispute item and explanation ) I am demanding that this account be updated to Paid as Agreed and Never Late.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX XXXX  regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested
Product: Checking or savings account

A refund from fraudulent charges caused by a merchant ( XXXX ) whom I never received products or services from. And my bank would not refund them as my other banks did. 

On XXXX XXXX, my bank, Chime, sent me a fraud verification text notifying me of unusual activity on my account. I acknowledged right away that fraud was occurring. Chime then told me to wait until the charges posted to my account from a pending status and then file a dispute in order to get my money back. I followed their direction only to be denied for my dispute in an hour. I kept calling back and requesting proof on their end of denying the claim and they wouldn't provide any info that aligns to my inquiry. I did not make these charges and when attempting to call the merchant, I was further hacked. I did not place an order nor did I receive any products or services from XXXX. Please help me recoup my funds as I have bills to pay.
Product: Mortgage

ON XX/XX/2017, MY WIFE AND I APPLIED FOR A MORTGAGE SEE XXXX   ATTACHED. WE NEVER RECEIVED ADVERSE ACTION OR DENIAL LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent out multiple dispute letters to the credit bureaus to which I am not receiving any responses for. I sent one on XX/XX/XXXX and I've sent another one on XX/XX/XXXX. I guess technically they have a few days left to respond to the ones on the XXXX, but considering they didn't give me any notices from the XX/XX/XXXX ones, I don't trust them. What can we do to have them do their jobs? This stuff on my report is not accurate and I need it removed immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following debts that have been inaccurately reported on my credit file. These debts are the result of fraudulent activity, and despite my attempts to resolve the matter with the three major credit bureaus, the inaccuracies remain. I am requesting immediate action from the CFPB to enforce compliance under Section 16810 for civil liability regarding the negligence and non-compliance of the credit reporting agencies and collection agencies involved. 

Disputed Accounts and Details : 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 I have already disputed these accounts directly with the credit bureaus, and I have made it clear that these debts are fraudulent. However, these items remain on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), as they have not been corrected or removed in a timely manner. 
Please notify me of your actions at the earliest convenience. Should you need further documentation to support my dispute, please do not hesitate to contact me. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Hi I recently was looking at my credit card. I applied for loaning me a couple accounts on there that were my score and I live in there were closed and other reasons why at the fair act and I need to eliminate Accounts thats all my report illegally According the fair act 15 U.S.C. 1681 - U.S. Code - Unannotated Title 15. Commerce and Trade 1681. Congressional findings and statement of purpose Current as of XX/XX/2024 | Updated by FindLaw Staff ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I initiated a transfer from the PNC app for {$38000.00}. I submitted the transfer request. The bank accepted the transfer request and notified me funds would be available at the other institution on XXXX XXXX. 

However, for an unknown reason, PNC put a hold a block on that transfer ; and never notified me. No text, no email, no phone call. Nothing. It was only today when I checked my balance in the app I discovered PNC had blocked my transfer request ; costing me and my business valuable time, and money. 

When I telephoned them to request a wire transfer be done because I needed the funds to arrive by XXXX XXXX, I was told that any fees involved in creating wires would not be lifted ; that in effect, I had to pay for their error. 

I had truly hoped PNC would become the bank of choice for me and my business, but I will not do business with a bank who si cavalierly disregards the wishes and its clients ; and fails to notify them when they do.
Product: Vehicle loan or lease

I have a credit score around 700 I have 0 % debt ratio utilization I have {$12000.00} monthly income There is no way I should have been denied a car loan with 2 paid off vehicles showing and never being late 1x.
Product: Debt collection

mishandled, or incorrectly billed, by the doctor 's office, as acknowledged by the office later : I came in for an XXXX XXXX ( as agreed with the doctors on staff ) and intended to get the XXXX XXXX XXXX and XXXX   XXXX  that would go with such a visit ( and would be covered by my insurance as part of such a visit. ) As I found out later, the doctors/nurses on-call did not file my visit properly as my XXXX XXXX and I believe they requested a particular XXXX XXXX  that would not normally be included within the covered panel - I did not specifically request that test. I specifically requested and agreed to have my XXXX XXXX and the covered XXXX  checks. 

I got in touch with XXXX  ( and XXXX  's parent company XXXX  ) to resolve this bill as soon as I received it in the mail - there is an email record of my correspondence with them and I am searching through my phone records to find evidence of our calls as well. After looking into the situation, a XXXX  operator named XXXX XXXX confirmed with me that these billings would be resolved by XXXX   without me owing any further costs - that the visit would be properly re-filed as my XXXX XXXX and that the XXXX XXXX with XXXX XXXX had been resolved - they told me my bill was cleared. 

Now, more than a year later, I just got an alert from XXXX  of a 30pt cut to my credit score because of a past due bill with Aargon, and that is being listed as tied to XXXX XXXX. 

I tried calling Aargon and was told, first of all, that they had taken this debt on XX/XX/XXXX - but yet I had not been contacted about it or given any chance to resolve it before it was past due, damaging my credit, until I called them today, XX/XX/XXXX. Furthermore, they refused to give me any help in tracking down how this bill had been forwarded to them or who to contact about resolving it - I have never spoken to anyone from XXXX XXXX. 

If possible, I would have filed this complaint against XXXX, XXXX, AND Aargon - but I most of all want to find out how to resolve this and rectify the damage to my credit score. I have been dilligently building my credit for years now with excellent payment history against my credit cards and student debt and I am hugely perturbed to be hit with this surprise. If I had fairly incurred this expense in XXXX, I would have immediately paid it - and, frankly, if I hadn't been told that it was completely resolved, regardless of whether I'd incurred it, I probably would have just paid it before letting it do this damage to my credit score. How can these companies file these things against me without me never having received a call, an email, a bill in the mail or any opportunity even to resolve it?
Product: Credit reporting, credit repair services, or other personal consumer reports

First Bank Puerto Rico ( the bank ) offered a forbearance to their customer after Hurricane Maria. The bank reported me as delinquent on XX/XX/XXXX, however, the bank did not notice that I had made payments on XX/XX/XXXX for {$200.00} and {$180.00} on XX/XX/XXXX. 

My loan was up to date when they reported me, furthermore, I paid off the loan entirely on XX/XX/XXXX I made a payment for the full balance and today XX/XX/XXXX they reported me once more. 

It seems the bank does not have adequate monitoring and reporting procedures and this is leading to a deceptive and abusive practice. 

What first bank is doing to its customer in XXXX XXXX is abusive and deceptive specially after the events of Hurricane Maria. 

Also, I want to report another abusive activity related to the interest charge during the Maria Forbearance which were much higher than the agreed rate.
Product: Student loan

I recently submitted documentation to figure out what my monthly payments would be. I had been paying {$360.00} per month which was a reasonable amount given my salary and other expenses. My new payment was calculated to be {$920.00}. I have not had a significant change in income over this past year.
Product: Credit card or prepaid card

Hello I am glad you are here to help, Synchrony Bank has closed my account for no reason, I didnt even use 10 percent of my card .They couldnt explain why they closed my accounts.
Product: Checking or savings account

On XX/XX/18, just as I was about to buy dog food, I saw XXXX XXXX on my checking account in the amount of {$170.00}. I was told to wait until it posted on the account which usually takes two days. Today, XX/XX/18, I woke up just to see that all my TD Bank accounts were frozen and almost all of them has transaction starts with DDA on the statement and also triggered the overdraft protection fees. I was shocked because that is all the money that I got and I do not have enough to pay for dog food, rent, and other expenses. I called TD Bank customer service around noon and was told to step into the branch to resolve this issue. When I arrived at the bank, after fully verified my identity, a teller asked for my debit card and broke it in half right in front of me and other customers then repeatedly saying that I have too many charged off accounts that is why TD Bank is doing this to me. I told him that it would be nice to reach out to me first and ask if I will be ok without this money. What happened to the business ethics and human right? TD Bank will do just fine without my $ XXXX but what about me and my dogs? Do I have any right to know anything before the bank take actions that would impact my life? You guys kept saying it's in the user agreement that I signed when opening the accounts. In the afternoon, I called and spoke to a lady from the recovery department. After verified everything, we went over the charges and fees and explained step by step in order to resolve this issue. She told me that one of the accounts [ XXXX ] is still active but it is negative at the moment. I told her that I just got a new job a few days ago and will work to pay the balance little by little because I get paid daily. She told me to step into the branch as soon as that account is positive and she can remove the lock so I can get a new debit card. I forgot to tell her that last night I made a transfer from my job into the account ending in XXXX but I don't see it on the bank statement so I called back just to have her help me look into it and see if we could apply that to the account ending in XXXX instead to help me pay off the negative faster. The lady that answered the phone told me the whole different story. She said every charged off accounts must be pay in full in order to lift the restriction. I told her that TD Bank sold my debt to the collection agencies already but she said that was not the case but demand that everything must be pay in full otherwise there's nothing she can do on her end.
Product: Mortgage

I am a housing counselor with XXXX. SPS Inc has denied reviewing a clients RMA package stating the signature on the scan was not legible. They then asked for XXXX XXXX to note that a hardship letter was attached. SPS has unfairly delayed fair review of this client.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations 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 filled a lawsuit Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcome. These failures align with my experience, where Experian has neither corrected or remove disputed items despite the evidence I provided cause ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inactions violates federal law and my right as a consumer
Product: Checking or savings account

BBVA USA bank app rejected a {$7500.00} online deposit after instructions to sign endorse the back of the check with captured photos of both sides. An over the {$5700.00} monthly limit alert showed and the deposit was unable to process. I telephoned XXXX XXXX employee identification number XXXX at BBVA. She was unable to raise the limit to resolve the issue. Instead I was advised to USPS mail an endorsed check. The matter was escalated with ticket number XXXX. The check and deposit are on hold pending BBVA decision regarding this matter.
Product: Credit reporting or other personal consumer reports

My account is paid in full and needs to be removed immediately
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : According to FCRA Section 605B, its illegal to report anything on my credit report without my permission. 

Please remove the following inaccurate information : XXXX XXXX XXXX Simple account number XXXX XXXX XXXX  ACCOUNT NUMBER XXXX Sincerely, XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I HAVE THIS INCORRECT INFORMATION THAT I DON'T WANT, YOU CAN REVIEW AND REMOVE THIS FROM MY REPORT I DON'T WANT IT 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