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

I am writing this to file a formal complaint against Self/XXXX XXXX  regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GBLA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 

On XX/XX/2024, I notified SelfXXXX XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services.

I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution.

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that SelfXXXX XXXX  has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent.

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm.

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Self/XXXX XXXX  complies with all federal regulations and laws including the GLBA, to protect the privacy and information security of consumers like me.

Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by SelfXXXX XXXX . Please feel free to contact me at at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my rights.
Product: Credit reporting or other personal consumer reports

I am reaching out today to report that I have fallen victim to identity theft. Please consider this letter as a formal dispute regarding this account. I have already reached out directly to all the companies involved and followed the necessary steps to address this issue. Additionally, I have filed an identity theft report with the FTC and have contacted all the companies to dispute the inaccurate information. Your assistance in resolving this matter is greatly appreciated. 

XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the beginning of XX/XX/XXXX, I have been trying to get the collection account that is inaccurately removed from my credit report. I have sent out a letter over and over asking for these accounts to be removed because they are inaccurate. My credit is being damaged and my credibility to establish new credit is being hindered.
Product: Vehicle loan or lease

I purchased a car that was financed through Bridgecrest. The autodraft amount was {$280.00} per month. On the final payment, only {$160.00} was the balance of the loan. However, they still withdrew {$280.00}. When I contacted the company, they refused to refund the overdrawn amount in a timely manner. This is despite the fact that the last two statements I received from the company, indicated the correct amount on the invoice was to be withdrawn. Also, the automated text message I received indicated the correct amount. In addition, my account can no longer be accessed through their online portal. 

The " customer service '' manager XXXX # XXXX ( refused to give her actual name ) was very condescending in her " explanation ''. There was NEVER an apology issued, nor a definitive resolution to the problem. In addition, their 1.2/5 star online review average leaves little confidence that the funds will be refunded at all, much less in a timely manner. 

The company policies are obviously intentionally flawed as they are giving themselves interest free loans on paid out accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. I made a large purchase of personal computing hardware and software from a couple different retailers. Approaching $ XXXX in total from the end of XXXX into XX/XX/2020. The three credit reporting agencies all dropped my excellent credit score by a significant amount based on these purchases. This complaint is specific to Equifax. 

I have excellent payment history with all of my credit cards and credit lines going back 15+ years. I have automatic payments set up from my bank account paying in full whatever statement balance there is every month. I never carry a balance on my credit cards. My payment behavior with my other creditors is similar going back at least 15 years - always on time, always in full except for one piece of property and one car which were financed for a few years, though, both of them are now paid off. 

I called XX/XX/XXXX about this and was basically blown off. The representative wouldn't discuss the issue with me except to recite that the credit score is based on their system. I couldn't get them to acknowledge what my problem even was.
Product: Credit reporting, credit repair services, or other personal consumer reports

For several months, I have been trying to dispute negative accounts from my credit report, several times. XXXX XXXX Recently, I did an investigation on my credit report which caused severe XXXX upon me, and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. $ 168i ( 7 ) Method of verification- Description of reinvestigation procedure. 


Listed below are negative accounts : XXXX XXXX XXXXXXXX {$520.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXXXXXX {$23000.00} XXXX XXXX XXXXXXXX {$1100.00} Attached below are recent dispute letter I filed.
Product: Debt collection

I believe this account is a fraud. Please see attached XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

EXPERIAN # XXXX, XXXXSOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX [ Experian, XXXX or XXXX address ] XX/XX/XXXXTo whom it may concern : RE : Credit Repair Accusation /suspicious disputePlease be advised that I have received your computer generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on [ XX/XX/XXXX ] by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me -- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Additionally there is no law that states a consumer can not use a third party, so using that as your excuse is a moot point. As a matter of fact, Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so outrageous. I reserve the right to sue your credit bureau for violations of the FCRA and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process further. Please take notice that this letter dated XX/XX/XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter, '' thus giving you only 15 days, not 30 more. I am outraged at your accusation and I have fully researched my rights in regards to my credit file. I look forward to your expediting my original request immediately. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy XXXX
Product: Debt collection

this is debt that have been fighting over this debit was suppose to charged to my insurance company once again I give the XXXX driver city of XXXX my insurance information and they did n't put the put the information in right and did n't put the right number in and did n't fell that is it my responsible to give to keep giving them my insurance information. it sad that all the hospital in XXXX can put the current insurance claim in. I do n't understand why it so hard to put the right information in right in the first place. an sick and tried of this company harassing for their mistakes. and what me to pay for their issues I did n't put the wrong number of information in their did that plus their XXXX drivers were very rude and being hateful I have a XXXX as well. I was born with XXXX and did n't like the way I was treated.
Product: Credit reporting or other personal consumer reports

Companies is still reporting old information that I have told a representative and also sent in letters for it to be removed and cleared from my report. Old phones numbers, a name that is not mine, listed old jobs, to collections and charge off that was paid to take off etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

As indicated by the attached copies of letters and mailing receipts, Credit Bureau has been delivered by registered mail both a dispute letter, dated XX/XX/XXXX, as well as a follow-up letter, dated XX/XX/XXXX. As of this moment, they have not done their duty mandated under the law. Their inaction in this matter is inexcusable, and their disregard for the law is contemptible. 
Federal law requires to respond within 30 days, yet they have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC. 
For the record, the following information is being erroneously included on my credit report : 1. The wrong amount is being reported. Date of opening is wrong. 
XXXX XXXX XXXX Account Number : XXXX Please ensure that all information is accurate. I was never late. I PAID AS AGREED.
Product: Credit reporting or other personal consumer reports

I notified the company that is reporting this inaccurate information information that is not mine and the furnisher has not responded. I also contacted the credit reporting agencies reporting this information which is XXXX who sent me a response but it didn't mention anything about a verification, only that they would contact the company reporting this information and TransUnion never responded.
Product: Checking or savings account

On XX/XX/XXXX I had {$2300.00} roughly deposited into my VINMO account I have no debit card linked to that account so I tried to link XXXX of my other accounts to it with no progress later that evening a friend of mine came over with a venmo account I tried to transfer some of my funds to him they blocked the oil transfers and then suspended my account later that evening I got an email stating this suspension and how to resolve it I did all that they asked me and still not unsuspended all the XXXX is somebody will get in touch with me through email there's no number for me to call them directly
Product: Checking or savings account

In XXXX, this month, I received unsolicited emails from Capital One notifying me an account has been opened in my name with their bank. They assigned some account number. 
Heres info from their email : Sign in to your account Sign in Capital One XXXX XXXX XXXX XXXX Routing number XXXX On XX/XX/23 I received a email saying a debit card was on its way and asked me to activate it. 
They asked me to add money into this account to activate it. 
A physical card was mailed to me which I cut up and threw in the trash since I never requested any of this. 

Then I received an email saying : Account closing soon -- your new 360 Checking account is ready for you ( it's fee-free ) The email also stated ways to add money to this account : Account ending in XXXX | Routing # XXXX Action requested : Your new account is waiting. 
You can get started with any amount. 
Hi XXXX, When you bank with a Capital One 360 Checking account, your hard-earned money works even harder for you. With fee-free benefits, mobile banking and multiple funding options, getting started is simple. 

You have access to these benefits as long as you fund your account within 60 days of opening, otherwise itll close automatically. Get started today or see our 360 Checking Guide for more information. 
You can add money in 3 ways : Today XX/XX/23 I received an email asking me if I signed into this account from a new device. 
Did you sign in from a new device? 
A new device was recently used to sign in to your account. 
When : XX/XX/XXXX at XXXX XXXX  XXXX What : A Chrome browser on Windows A device we didnt recognize recently accessed your Capital One account. If this was you, you can ignore this message. If youre not sure or have further questions, visit the help page to learn more and understand why we send these kinds of alerts. 

I am very concerned about this. In the past Capital One has aggressively sent unsolicited credit card offers which I always have ignored. This is much much worse. They are deceptively trying to open bank accounts in peoples names, trying to trick them into funding them, etc. The very first email about this from them at the top of the email in the header I noticed it said they got my info from a mailing list. 
I have never applied for ANY account opening at Capital One. Please ask them produce proof of request with signature approvals from me? They need to Stop ever claiming an account has been opened in anyones name without their request and express consent. This is Fraud. 
I have the email threads to forward if you need them. 
Please take action! 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent all three bureaus a certified letter asking them for verification for the items placed on my report. To this date I have not received verification of debt. Here are the items : XXXX XXXX XXXX # 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redrese For these violations.
Product: Debt collection

I just received a random letter for collection from company representing XXXX. We search identifies this as a known scam. More interested in keeping credit rating and history secure. Others have warned against calling company as it gives them your phone number and further ways to harass you. I have never sold on XXXX  and have promptly paid for any purchases, which have been few and far between. I have checked my XXXX  account onnline and do not have any random purchases, nor missed payments. I have never purchased anything with a cost near what they are trying to collect from me. I will attach the scam letter received from " Allied International Credit Corp ''
Product: Credit card or prepaid card

On XX/XX/2023, I saw multiple authorizations for purchases on my credit card in the online app. The amounts were XXXX dollars but it was odd to see multiple authorizations for companies I did not recognize. I called the bank to tell them this. I told the representative that I did not make the authorizations. They only offered to send me a new card. A few days later new charges were on my statement totalling over {$3000.00}. I got a fraud alert text and opted to restrict my card but it was still used to make purchases. I called the bank again. They locked my credit card and told me I had to go to a branch to verify my identity which I did the next day. They did not offer to dispute the charges. 

At the branch, I sat down with a representative to open a dispute. The representative at the branch called TD to have the charges canceled. The card was used to purchase high-end clothing, make cash withdrawals at an ATM, and was used at a nearby gas station. Some of them could not be canceled. These charges totaled to {$810.00}. I explained that the card was always in my possession, except for once when I handed it to a cashier while paying for food in XXXX drive-thru. 

My dispute over the charges has been denied twice for the same reason. The bank letter says that because the card was in my possession and the chip was used, no fraud occurred. However, the representative at the TD branch told me they are wrong as the card could be copied and used. She said that the reasons TD is giving me for denying the case are false and unjustified. We are currently trying to dispute the claim again with a police report. I attempted to do so last week at the XXXX precinct but was told the detective was not there. I had to call multiple times over multiple days to be able to speak to the detective. The detective told me I have to make an appointment, which wont take place for another week.
Product: Mortgage

My servicing company is Select Portfolio Servicing, inc, account number XXXX. 
I have requested that they setup an escrow account for my delinquent taxes that arose due to Covid-19 and my recent Chronic XXXX XXXX diagnosis. My request was denied with not concrete explanation. Other mortgage companies have made exceptions for individuals impacted by Covid-19 and these people are disrespecting the impact the virus is having on people. I am XXXX months ahead on my mortgage and my credit score is in the mid XXXX. So in my opinion a denial is unwarranted. 
I am requesting a full investigation into their unlawful practices since they dont do things right and this has been my experience throughout my tenure with them. For example when I overpaid they returned the money rather than applying it to my account. Now they refuse to provide assistance to those impacted by a pandemic. 
This is a horrible business practice and I beg you to investigate their uncooperative practices. 

Additionally, I will be contacting the Attorney Generals Office. I can be reached at XXXX if you need additional clarification. 

Best Regards. 
XXXX XXXX
Product: Debt collection

A false debt appeared on my credit report from ABILITY RECOVERY SERVICES XXXX XXXX XXXX XXXX, PA XXXX for a medical bill that I never had. I was never a patient at this practice, never received care from This practice and even the XXXX  determined that this company is illegitimate. This medical bill is fraudulent and fictitious. This bill is not real. No one ever tried to contact me or send me any information. This just randomly appeared on my credit report for no reason at all. Completely fake. My insurance covers All of my medical expenses! This is a fraudulent account that does not exist. Please remove this from my credit reports. It is not real. One of the credit companies has already removed the information from my report because it is not real! It is fraudulent! Please Help! This company is creating false debt using clinics that went out of business and no longer exist, they steal your information and create false accounts and then place the accounts in collections! They never contact you, they just destroy your credit and try to trick you into paying XXXX  of dollars for fictitious accounts that they created by stealing your information! The accounts are not real, they are created illegally! A class action lawsuit should be the next step!
Product: Student loan

Good day, I am reaching out to gather the first date of delinquency for a few of my loans that were originated in or around XXXX at Citibank. 
I would like to get the first delinquency date recorded for loans XXXX XXXX XXXX XXXX These loans were sold to XXXX in or around XX/XX/XXXX. However when I reach out to XXXX their records only go as far back as XX/XX/XXXX. 
Previously all of my loans were scheduled to be paid at the same time and I have one of the loans that Citibank provided the first date of delinquency as XX/XX/XXXX. I have attached a copy for your records. 

Please provide or confirm that I did indeed have an initial delinquency on or around this time for the above mentioned accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number 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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX  BANK XXXX