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

XXXX XXXX You have no lawful authority to furnish my non-public personal information in regards to XXXX. I am writing to submit a complaint against Navy Federal Credit Union for their failure to comply with my request to opt-out of the disclosure of my non-public personal information, as required by 15 USC 6802 and 16 CFR 313. 

On XX/XX/year>, I submitted a written request to Navy Federal Credit Union to opt-out of the disclosure of my non-public personal information to third parties. However, despite my clear request, Navy Federal Credit Union has willfully failed to comply, demonstrating negligence and disregard for my privacy rights. 

Specifically, Navy Federal Credit Union has continued to disclose my non-public personal information to third parties, in violation of my opt-out request. This is a clear violation of 15 USC 6802 and 16 CFR 313, which requires financial institutions to provide consumers with the ability to opt-out of the disclosure of their non-public personal information. 

I demand that the Consumer Financial Protection Bureau take immediate action to : XXXX. XXXX Navy Federal Credit Union to comply with my opt-out request and cease disclosing my non-public personal information to third parties. 
XXXX. XXXX an investigation into Navy Federal Credit Union 's practices and procedures to ensure compliance with 15 USC 6802 and 16 CFR 313. 
XXXX. Impose appropriate penalties and sanctions for Navy Federal Credit Union 's willful failure to comply with my opt-out request. 

I have attached a copy of my opt-out request and supporting documentation to this complaint. I appreciate your prompt attention to this matter, and I look forward to a swift resolution. 

Also, I have tried numerous of times to get my current address XXXX XXXX XXXXXXXX XXXX, CA XXXX and XXXX XXXX Customer Service XXXX refuse to update my information. I have been locked out of getting into my online account because I have not been provided with my current account identification and when I try to chage my account the old information is still connected which was XXXX XXXX XXXX XXXX Ca XXXX and XXXX. That information is no longer affiliated with me. My contact is XXXX. Every time I call in instead of my calls going to customer service it goes straight to the collection department which they continue to try to collect on an allege debt. My last call was to get a debit card and the representative I spoke with was extremely rude and I had to disconnect the call. They did send my debit card but I was unable to log into my online service account. Any attempt to collect a debt in the future must be done under penalty of perjury from the CEO or CFO due to the fraud XXXX XXXX employees continue to allege.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX BANK XXXX should be removed immediately. According to the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681s2, furnishers of information to consumer reporting agencies must provide accurate and complete information. However, the information provided by these two companies is inaccurate and should be removed from my credit report. 
Furthermore, XXXX5 U.S. Code 1681b states that consumer reporting agencies are only permitted to provide consumer reports to those with a permissible purpose
Product: Debt collection

THE COMPANY IS ATTEMPTING TO COLLECT THE DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, 15USC 1681 section 602 states I have a right to privacy. My rights have been violated numerous times by the credit bureaus. 

15USC 1681 section 604A section : 2 also states a consumer reporting agency can not furnish an account with out my written consent. I never provided written consent for any reporting. 

15USC 1666B creditor may not report a payment on a credit card account late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I see that the same account was erroneous. The 3 credit Bureaus are required to reinvestigate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX Balance : {$20000.00}, XXXX XXXXXXXX Balance : {$20000.00}, XXXX XXXX Balance : {$20000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Product: Debt collection

I keep on getting letters from a company called XXXX XXXX XXXX, in regards a debt I do n't even remember, it most likely be over past 9 years.
Product: Credit card

I have a Costco branded credit card from Citibank. 

They have twice in the past week sent me a letter, telling me I needed to take additional steps to complete the process of adding my card to XXXX XXXX. 

I never started the process of adding my card to XXXX XXXX. Nor will I ever, since The letter from Citibank says " If you didn't request this card to be added to XXXX XXXX, call us at XXXX. '' When I called, to alert Citibank that someone is apparently trying to fraudulently register my card with XXXX XXXX  ( because I've now gotten two notices ), I was told " On, just ignore the letter. We're just trying to get people to sign-up for XXXX XXXX. '' I'm a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and I'm pretty sure this type of marketing is illegal. Can you please ask Citibank to stop this despicable marketing practice?
Product: Credit card or prepaid card

Called Discover to dispute chargers under XXXX XXXX XXXX around in XX/XX/XXXX after trying to resolve issue with the company. Discover gave me the credit, but retracted back. I provided enough information to Discover, and clearly stated that those charges where not allowed. Company was really fishy, not returning calls, which phone number was only one, and it was the only way to get a hold of anyone. Discover postponed the evaluation, and finally declined my disputes after knowing that company closed on XX/XX/XXXX. Company/Seller never replied to Discover. I submitted proof of attempted getting something in writing, but how will the company reply when the company was planning to close and steal my money without me knowing. The companys phone number was only one, never return calls, and when i finally get the email, no reply whatsoever. Discover is saying that the charges are valid because the company/seller didnt confirm cancelation. The last call i made was on XX/XX/XXXX, and customer service/dispute told me she couldnt do anything. When i asked to speak with someone else, she did not direct me to anyone. I provided enough proof and clearly stated that the company was scamming me. Now Discover is making pay {$1700.00} when the company/seller was a complete scam, and Discover only  excuse is that the company didnt reply. Please help.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for 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.
Product: Vehicle loan or lease

XX/XX/year> - I have been dealing with USAA to XXXX XXXX XXXX since XXXX. Through this process, I was told that the bank would retitle the vehicle in my name alone ( which was why I was refinancing ). I have called the bank at least XXXX times and with every phone call, I asked to make sure that the vehicle would be refinanced in my name alone by them. I was told to pay money to get my title from XXXX XXXX XXXX XXXX XXXX ( because they messed the process up of receiving the title from the previous XXXX holder ) and to mail it to their bank where they would remove the second party from the title. Again, they confirmed they would remove the second party over and over. Today I was informed that I will need to remove the second party from the title myself and they would not mail me my document without charging me {$20.00} to overnight it and they would not accept responsibility that This was their fault in order to waive the fee. This is unacceptable business practices by USAA. I will pay {$20.00} to the XXXX XXXX XXXX to get my title tomorrow but I want to be reimbursed, as the error rests solely on their shoulders, and the bank refuses to do so despite causing me to incur additional fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX  account. XXXX XXXX XXXX XXXX  account. XXXX XXXX account. XXXX XXXX XXXX account. 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

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. 

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

This is a follow up to complaint XXXX which has been closed at this time. 

I reviewed my credit report for the late payments that they are contacting me about and see that they have never reported a late payment, despite the MANY unnecessary calls that are being placed to me. If I have not ever paid late, why is there a log of more than 30 calls that have been placed to my number and voicemails instructing me to pay. 30+ calls are not payment reminders, they are harassment. 

I have blocked their number after advising them in person that I do not want to be contacted by phone or in person any further and would like to discontinue any business I have with the company. In light of their practices, I have attempted to re-finance but have been told by every lender representative ( off the record, they say ) that Car-Mart does everything they can to prevent you from refinancing with another company via being intentionally difficult to work with.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX XXXX Account # 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 card or prepaid card

{$12000.00} from my XXXX XXXX bank of America had been fraudulently stolen via bank transfers. There were 3 transactions dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for the amount of {$5000.00}, {$5000.00} and {$2900.00} were transferred out. I filed complaint on XX/XX/XXXX to Bank of America, the prepaid card holder. Instead of investigating they replied that the case is closed and they did not find out anything wrong. They even revealed that my email address and other information has been changed. The said amount of was transferred to another bank. I have been calling them every day and surprisingly every time they have to reopen the case. I have provided them police report number, my id and my statement. It has been over a month and they have not even began investigating. 
I support family of 5 including 3 school going children. I have difficult time meeting end meets. I request you to please help me to expedite the case so I can meet my day to day need.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The ExperianCredit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the account : XXXX XXXX XXXX XXXX : {$12000.00}
Product: Debt collection

An account is listed under Portfolio Recovery. I have attempted to dispute this debt, and no steps were taken on their end.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, It is with immense disappointment and concern that I write to report a severe case of identity theft and the presence of fraudulent items on my credit report. This situation has arisen due to the unauthorized access and misuse of my sensitive personal information, primarily my Social Security number. 

My information was unfortunately compromised in numerous data breaches, exposing my current and previous addresses, Social Security number, email address, and other sensitive data. It appears that an individual residing at my former address has exploited this information for their personal gain. I have gathered substantial evidence, including instances where purchases have been made under my name and unauthorized access to my email account. 

Adding to my distress, I have been included in over 41 security breaches including XXXX that has exposed my Social Security number, address, and email address, leading to threats and taunts from malicious actors. My information has even surfaced on the dark web, further amplifying my concerns. I am citing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) as case law for furthering my dispute. 

Upon reviewing my credit report, which I had not examined recently due to a lack of credit-related activity, I was appalled to discover the extent of the damage. XXXX identified a separate Social Security number linked to my report in XX/XX/XXXX, which has since been removed. They can confirm this discrepancy if required. XXXX also contains inaccurate information, which I am actively working to rectify with supporting documentation. I have more proof of my identity theft if needed. I have not bothered to check my credit in the past because I was not using my credit and believed I had no need. Until I began to receive crazy emails of debt including hackers threatening me. 

This identity theft and the resulting fraudulent activities have significantly impacted my creditworthiness. I request the immediate removal of the numerous unauthorized accounts listed on my report. I have filed and now waiting for my police report from my local police department who has been a huge help. I have also filed a complaint with the Consumer Financial Protection Bureau. 

XXXX XXXX XXXX XXXX XXXX struggling with the current economic climate, this situation has caused undue financial and emotional strain. I urge you to address this matter with urgency and delete the fraudulent accounts listed on my report. Here are the fraud accounts I would like deleted immediately from my 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 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 Thank you for your prompt attention to this critical matter.
Product: Mortgage

I've been talk to Select Porfolio Servicing , Inc. several times to get help for my property but it continued foreclosure on my property. I did submitted another Assistance Program Application, it's currently under review. I talk to XXXX on XX/XX/2021, she said that the account will send to the attorney on XX/XX/2021 to foreclosure. I submitted complete Assistance Program Application on XX/XX/2021. I call SPS back on XX/XX/2021 talk to XXXX, she said the the foreclosure is on hold until XX/XX/2021. 
I call back today XX/XX/2021 to make sure that the foreclosure is still on hold, I talk to XXXX from Utah, he said that he's not sure the foreclosure is on hold and he transfer me to his manager. The manager name XXXX XXXX XXXX said that SPS do not have the exact time line after tomorrow and the foreclosure action is pending and SPS can foreclosure my property anytime they want. 
My property under protection of this Senate Bill No. 91. 
Senate Bill No. 91 CHAPTER XXXX An act to amend Sections 789.4, 1942.5, and 3273.1 of, to add Sections 1785.20.4, 1788.66, and 1942.9 to, and to add and repeal Section 1788.65 of, the Civil Code, to amend Sections 116.223, 1161.2, 1161.2.5, 1179.01, 1179.02, 1179.03, 1179.03.5, 1179.04, 1179.05, and 1179.07 of, to amend the heading of Chapter XXXX  ( commencing with Section 1179.01 ) of Title 3 of Part 3 of, to add Section 1179.04.5 to, and to add and repeal Chapter XXXX ( commencing with Section 871.10 ) of Title 10 of Part of, the Code of Civil Procedure, to amend Section 925.6 of the Government Code, and to add Chapter XXXX ( commencing with Section 50897 ) to Part 2 of Division 31 of the Health and Safety Code, relating to tenancy, and making an appropriation therefor, to take effect immediately, bill related to the budget. 

[ Approved by Governor XX/XX/2021. Filed with Secretary of State XX/XX/XXXX, XXXX ] And the Assembly Bill No. 832. 

Assembly Bill No. 832 CHAPTER XXXX An act to amend Sections 789.4, 1788.65, 1788.66, 1942.5, and 3273.1 of the Civil Code, to amend Sections 116.223, 871.10, 871.11, 871.12, 1161.2.5, 1179.02, 1179.03, 1179.03.5, 1179.04, 1179.05, and 1179.07 of, to amend and repeal Section 1161.2 of, and to add and repeal Chapter XXXX ( commencing with Section 1179.08 ) of Title 3 of Part 3 of, the Code of Civil Procedure, and to amend Sections 50897, 50897.1, 50897.2, 50897.3, and 50897.4 of, and to add Sections 50897.2.1 and 50897.3.1 to, the Health and Safety Code, relating to tenancy, and declaring the urgency thereof, to take effect immediately. 

[ Approved by Governor XX/XX/2021. Filed with Secretary of State XX/XX/XXXX, XXXX ] I need your help to stop the bank foreclosure on my property. Thank you so much!
Product: Credit card

Overview : Chase can not prevent continued fraudulent charges on my account since XXXX, Chase can not provide total amount of fraudulent charges. Chase can not verify if fraudulent charges and interest have been refunded. Chase can not lock my account. 
In XXXX of XXXX during covid, I noticed that my chase XXXX card had fraudulent charges. Upon contacting Chase, they told me that it was a prime membership fee linked to another person 's prime account ; they would not tell me the name of this person. they promised to refund the charges plus interest and issued me a new card. 
I trusted them. 
In XXXX of XXXX, I again noticed fraudulent charges. The charges had continued since XXXX. Chase promised again to refund the total charges but could not tell me the complete total, it was near {$1000.00}. Chase issued me another card. 
In XXXX I received a confusing call from their claims department telling me they could only refund a partial amount and they would close the claim. I appealed this over the phone and told them I wanted 100 % refund of the fraudulent charges plus interest. 
On XX/XX/XXXX, ANOTHER fraudulent charge was made. 
Chase promised to LOCK my account, delete the digital wallet from everywhere and issued me another new card. 
I have not activated this card. 
The new card showed up in my XXXX XXXX I did not add the card. 
XXXX purchases are being permitted on this new account. 
when I called the customer service representatives just keep transferring me around. 
they are unwilling to help me. 
they tell me they can not tell me the total of fraudulent charges. 
Chase can not assure me that all charges have been refunded Chase will not tell me if they can prevent continued fraud.
Product: Checking or savings account

I open a account cheking basic on TD Bank. 
In the procees I provided : User name and password for account on utilities and services so I could confirm I was a homeowner of property Id Florida Drivers Licence Passport Us Opened the account Called everytime to authorized transactions I am on vacation until XX/XX/XXXX and can not access the funds or any of my money. I am stranded in a island and no money because the bank I trusted with my debit, credit and transfers is blocked. I have called daily spoken to managers and provided any evidence necessary. They just continue to provide a phone number of branch and they do not answer XXXX. If I don't visit a branch I will not have access to my funds. I have requested any proof of documents for clearing access and they ask me To visit a branch to provide additional information. All my deposits for work and direct deposit for additional income comes to this account. I can not access the funds or make any transfer for money untill I do not visit a branch. There is no branch in XXXX XXXX or XXXX XXXX I do not have acces to fund so I can not change itinerary to travel and visit a branch. Please help
Product: Money transfers

53 Bank and their agency XXXX, XXXX allegedly violated the EFTA and 15 U.S.C. 1693 because they have not responded to my complaint timely and did n't inform me initially of what the process was. The tech, XXXX, was laconic.
Product: Debt collection

i paid this debit that was from when i was married after they threathen me i paid XXXX a month for 2 year i than asked at the end of to year to send me pay history and balnce if any owed in XXXX of 2016 now 2 years later there claiming i owe XXXX more which why did they wait 2years to collect and i made several requests when i had money to cler any balance up! for a print out well no tey agian rather be sneaky XXXX s and hide two and attach my wages thats going to kill me and make me homeless!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

COLLECTION AGENCY REFUSED TO VALIDATE DEBT. CREDIT REPORTING AGENCY REFUSED TO REMOVE COLLECTION AFTER DISPUTING
Product: Debt collection

I faxed over verification documents to Lloyd and McDaniel, XXXX, and XXXXXXXX XXXX XXXX, all three said they received the document 2 completed full investigation and closed all accounts due to clear identity theft only waiting on sign offs from Lloyd and McDaniel so that the garnishment can be removed from my tax return but this company refuses to comply to answer the phone to return calls all in attempts to collect a false debt