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

According to the Fair Credit Reporting Act 15 USC 1681 section XXXX a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. XXXX XXXX XXXX section XXXX a section XXXX states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX XXXX ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that XXXX XXXX XXXX ( a ) ( XXXX ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code XXXX ( A ) ( XXXX ) A states " 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 states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. Equifax and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Checking or savings account

I am not able to access my money with Synchrony 's savings bank account to pay the mortgage and credit card bills. As an online-only bank, they have no physical branch and the only way to access funds is via transfer in/out to another financial institutions. Per the FAQ on their website, there is a maximum of 10 external account connection. I only have 3 active external account and could not add a new external account. I recently transfer my mortgage to a new Bank and need to transfer funds to the new Bank to pay my mortgage and credit card bills. I spoke with an agent and her manager and they told me because I have deleted 22 old eternal account, I have reached the system 's maximum limit of 25. I don't understand how old and deleted external account connection are still in their system and count against my ability to access funds. I have 3 active external account and should be able to add 7 more. The agent and her supervisor told me I could initiate a wire transfer to access funds but that will cost {$35.00} per request. Synchrony is creating undue barriers and obstacles for consumers to access their funds through antiquated rules and systems and forcing consumers to use high cost withdrawal methods to generate fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm so tired of the same old story with these people. They tell me they corrected something but then don't really do it. They send me their inadequate consumer based report which doesn't really reflect the truth and never has. I ran my report with a company that I pay to allow me to do so every month. The same addresses I've requested be removed are STILL on my report! They just lied and didn't do anything! I ran my report with the company I deal with on XX/XX/27 and the addresses have not been removed!
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC. 
XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Equifax XXXXXXXX XXXX XXXX XXXX XXXX  Equifax XXXX XX/XX/XXXX  Equifax
Product: Checking or savings account

for the past 2 weeks, First Bank of Colorado ( dba 1stBank ), has charged over {$200.00} in Nonsufficent Funds Fees to my checking account. Despite this practice occurring in a predatory manner ( this issue has occurred over the past 2 weeks or so ), the bank continues to fail to give a reasonable answer as to why these NSF fees were charged, and refuse to refund or reverse the predatory charges in question. I contacted customer service on XX/XX/XXXX ; they were able to reverse 2 of the charges but that fails to account for even still almost {$200.00} that they essentially stole from my account without notice or reason. I am deeply perturbed by this occurrence and am seeking all avenues possible to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX am a victim of identity theft and have sent the required information to the following consumer reporting agencies. '' It has since been past the 4 business days required by law under 15 USC 1681c-2 and they have yet to block the information. I also want to make abundantly clear that this report of identity theft was not made in error by me, a consumer, as stated in 15 USC 168c-2 ( c ) ( 1 ) ( A ). I am seeking an immediate response from XXXX, Transunion, and XXXX reporting agencies in order to feel that this matter has been fulfilled to my satisfaction in accordance with federal law ''.
Product: Debt collection

Midland credit management report that I paid a dollar when in fact they did this to rest time on debt I closed this account and another the same day XXXX XXXX and XXXX are both through same company XXXX XXXX
Product: Vehicle loan or lease

There a two negative remarks on my credit report for XXXX and XX/XX/XXXX. My payment was due XX/XX/XXXX and I made the full payment XX/XX/XXXX. XXXX, the car dealership IDA took XXXX dollars of my payment and applied it to collateral protection insurance payment with out my knowledge. So when my XX/XX/XXXX payment came due and I made my car payment they advised me that the rest of my XXXX payment was not paid because they applied the funds to the CPI with out my knowledge. The same thing happen to my XXXX payment as well. I have been making my car payments within 30 days and it is not with in the FCRA for them to allocate my payments to where they want them to go and then report me as being 30 days late XXXX and XXXX payments when I paid my car payments in full.
Product: Credit reporting or other personal consumer reports

In accordance with the tair credit reporting act. The list of accounts below has violated my protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX 15 U.S. C 1681 section XXXX A. States I have right to privacy XXXX U.S.C. 
Section XXXX A Section XXXX it also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C. XXXX. ( a ) ( XXXX ) section states no consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more that 7 years. 
XXXX U.S.C. XXXX ( A ) ( XXXX ) 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 the information is accurate.
Product: Mortgage

Our loan was transferred to Shellpoint mortgage servicing. They have repeatedly sent me compliance letters about obtaining insurance on the secured property. Our insurance agent has called and faxes them repeatedly. Now Shellpoint has sent another letter saying it's going to collection. We are in compliance with all Utah requirements as well as the original loan requirements that was originated without problems. We have not reduced or changed providers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity theft and this information is fraudulent and needs to be removed from all my consumer reports it is effecting my livelihood. XXXX XXXX is in violation of FCRA for unlawfully reporting fraudulent unauthorized information on my consumer report
Product: Credit card

I made a purchase from XXXX for {$630.00}, and the seller sent a defective item ( shoes that had major damage not shown in the listing ), and XXXX refused to honor their money back guarantee, so I filed a dispute with my synchrony bank PayPal Mastercard, and XXXX claimed I had not completed the return, despite having denied the return.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Capital One Auto Finance 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 ( GLBA ) to opt out of such information sharing, in addition according to my rights under 15 USC 6804 financial institutions are required to safeguard and protect nonpublic information collected from consumers and I believe my privacy rights have been violated. 

On XX/XX/2024, I notified Capital One Auto Finance 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 Capital One Auto Finance 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 Capital One Auto Finance 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 Capital One Auto Finance. 

Please feel free to contact me 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 privacy rights. 

I have reached out to the institutions in this complaint about my nonpublic information being shared to third parties as well as the consumer reporting agencies. I have opted out of having my information shared yet I have not received response nor have this information been removed from my report. Documentation to follow.
Product: Checking or savings account

I have a small XXXX XXXX XXXX XXXX XXXX My current payment processor XXXX has been wonderful. I have had XXXX  invoices and deposited into my business account through XXXX. I had a pool pump and filter repair for a customer and decided to invoice through my bank, Chase bank quick accept feature. They use XXXX XXXX. I have never used them but want to give it a try since chase has been promoting them ALOT. My first and last time I will use them. I sent and invoice link to the customer. He paid right away with a debit card. I got an email 2 days later stating they have closed my XXXX XXXX account due to possible charge backs and fraudulent chargers. How they came up with this, I dont know. But they are stating they will be holding my funds for at least 120 days. This is very detrimental to my small business as this is now holding up funds for other jobs and shop tickets. I sent an appeal email on XX/XX/2024. They quickly declined my appeal after sending supporting documents. I need helping fixing this issue. I have read multiple bad reviews about this company.
Product: Debt collection

I received a letter over the mail from a debt collector stating I owe {$900.00} I do n't know where this amount is coming from so I would like to dispute it I 'm enclosing my debt dispute letter.
Product: Credit card or prepaid card

On my XX/XX/2020 credit card statement, I discovered a DUPLICATE billing from XXXX in the amount of {$140.00}. I, at that, time advised the bank via your on-line procedure that I was disputing this because it was duplicate billing and that only one charge was correct. Shortly after doing that I received a call from XXXX telling me you rejected their charge and they were locked out of my Chase account. When I informed them that I only rejected the fact that they billed me twice they adamantly disputed that fact and said they only billed me once. When I told them there were two charges on my credit card, they indicted that was a Chase error and not theirs. 
Regardless of whose error it was there was a duplicate charge on my credit card. XXXX was going to turn off my service unless I paid them the full mount of the bill and a {$40.00} service charge for a rejected payment by Chase. In order to protect my company 's email service, I immediately authorized them to bill my XXXX XXXX since they could not bill it to Chase again. 
Now comes the problem that is not resolved. I was given a credit by chase for the {$140.00} for the double billing but can not get the second charge refunded to me as it seems someone changed the code in the middle of the process and now feels I owed Chase that money as I only proved I paid the one charge on XXXX XXXX  and the second charge is still valid. 
Chase now refuses to even address the issue because they say it is beyond their time frame for a dispute resolution, even though this has been going on since about 1 week after the two charges were made to my credit card and then not paid to XXXX.
Product: Debt collection

The collection agency " Professional Bureau of Collections of Maryland '' have been reporting a collection account on my credit file since XX/XX/19. I requested validation of date on XX/XX/19 via certified mail and sent a 2nd validation request on XX/XX/19. I also spoke to a representative on XX/XX/19 at XXXX who verified receipt of the validation request and stated " the request has been sent to the original creditor, we are awaiting the documents ''. During this phone conversation the company also attempted to negotiate a settlement amount which was refused by me as I want to validate the debt first. It is now XX/XX/19 ( two months ) since I requested validation of this account and have yet to receive anything. In both letters my mailing address, email address, and phone number was provided to the company so there is no reason as to why I have yet to receive a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've asked XXXX to ensure the information on my report to verified, accurate or otherwise removed from my report under the Fair Credit Reporting Act. 1st attempt was via email in which no removal was made only " Updated '', confirming there information was indeed incorrect. Next letters was sent through register mail, which a result of " Verified '' to account which they updated in previous dispute. I has asked for original copy contracts which XXXX must have on file and received nothing to day. Last correspondence stated XXXX will no longer investigate any further on the specific accounts I have already disputed. These oversights have cost me to be decline for credit. I have also at XXXX  request reached out to Debtor citing " Debt Collection Practice Act '', Section 1692g, and as of today never received a response. Which bring to question XXXX 's verification process. Information has been duplicated with same account number with different variations of Debtor company name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX  from XX/XX/XXXX until XX/XX/XXXX. Any activity against my credit is not from me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the XXXX submitting this complaint and there is no third party involved.. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) .Violations of the FCRA 1. Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. 
Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
XXXX. Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within XXXX  days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
XXXX. Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 
Requested Resolution To resolve this matter, I demand the following actions : XXXX. Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
XXXX. Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
XXXX. Immediately block or remove all inaccurate information resulting from the identity theft. 
If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX  XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX  XXXX
Product: Checking or savings account

i opened a joint account for my daughter. after letting suntrust close the account they linked her debit card from her closed account with authorization or notification to my account that i did not know she was an authorized user on. i was mislead my the customer service rep when we open the account because i was never informed i was signing a signature card for my daughter to be added to my account. i have had my account over 9 years and no one has ever been on my account. after my daughter phone was stolen someone used her XXXX XXXX which was connected to the closed account debit card which she did not know where the card was because we thought the account was closed one day they fraudulently took {$1.00} out of my account one day {$2.00} another day {$3.00} another day then {$500.00} the same day. as soon as i saw the charge i immediately went to the bank where they removed her from my account but can not explain who gave permission to link the card from the closed account to my account.