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

I am writing to file a formal complaint against Fulton Bank 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, and I believe my privacy rights have been violated. 

On XX/XX/2024 I notified Fulton 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-affiliate 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 Fulton Bank 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 breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing including the potential for identity theft, fraud, and other financial harm. 
I kindly request that the CFPB investigate this matter thoroughly and take appropriate action to ensure that Fulton Bank complies with all federal regulations and laws, including the GLBA to protect the privacy and information security of consumer like me.

Additionally, I would appreciate regular updates of this investigation and any action taken to address the violations committed by Fulton Bank. 
Please feel free to contact me at XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the credit reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

Account name : 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 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no report containing any of the following iter other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C. 16818-2 ( A ) ( 1 ) A person shall not furnish any inform : consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

Westlake Portfolio and US Auto Sales have both overcharged me for gap insurance and have never taken money off of the principal mo ey on my loan. I borrowed {$20000.00} and after over 2 years of XXXX XXXX monthly payments and {$150.00} gap insurance coverage my balance e is still XXXX {$17000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts that are reporting on my credit report are a violation of my rights. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX These accounts are not only inaccurate they are also a violation of both of the following laws. 

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

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

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: Credit card

Prepaid for a XXXX car rental thru XXXX XXXX ( XXXX XXXX XXXX XXXX with XXXX ( reservation # XXXX ). 2 days into car rental, it broke and had to be towed away. XXXX did not provide a suitable alternative and we had to rent another car from a different agency. XXXX says we need to talk with XXXX XXXX and XXXX XXXX says we need to talk with XXXX. Nobody is helping so we disputed the charge. 

Spoke to a Citi dispute representative at beginning of XX/XX/2023 who said we need to provide proof of when the car broke and to request a partial refund because we did have it for 2 days. I sent all requested documents and Citi denied the claim saying I now need to provide proof of for the refund I will be getting. This makes no sense because I would not have disputed this if there was any communication of a refund.

It it is clear Citi 's policies are for merchandise only. You got the merchandise or didn't get the merchandise. In my case for Citi I had the car so there is no dispute even though it was for 2 out of 8 days. They have no policies to deal with partial services and care nothing to help resolve them. Their only concern is making the vendors they pay happy. I was instructed what to, followed it, and then as a result of following their instructions was told there is no dispute with out showing proof of a refund. This is a deceptive practice instructing a customer what they need and then using it against them. In my case it was telling them I had the car for 2 days and wanting partial refund. They don't do partial refunds or advocate in anyway for services partly provided. I need either a partial refund of {$390.00} ( 5 days not used ) or the full refund of {$620.00}.
Product: Credit reporting or other personal consumer reports

I submitted a verification request disputing unauthorized inquiries on or around XX/XX/year>. I also requested that reporting companies delete unauthorized inquires per FCRA sec. 604f 15 usc 1681 as they are not authorized and holds no permissible purpose or other reason. Within. 48 hours I got an email claiming that items have been verified and will continue to stay on my report for 2 years even after I the consumer, natural person verified that they were not authorized.
Product: Debt collection

I disputed before the amount this debt collector says I owe with a previous debt collector Please see CFPB case XXXX I 'm still waiting documentation from the original creditor. 
Then For this debt is not valid.
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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  has violated XXXX rights. Or a list of inquiries : XXXX XXXX XXXX section XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX years. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX 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 that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX  ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Product: Money transfer, virtual currency, or money service

Dear Sir / Madame, I have had the most horrible experience with Paypal in the past months.I opened an account recently to make a funding to a forex broker thinking this would be a more efficient method than making a wire.I opened and set my account to EUR  as primary currency. I linked my debit card and proceeded to make the transaction on XX/XX/XXXX, XXXX 

All went smoothly without a hitch. I did not see anything out of the ordinary until I got my bank statement. To my horror the transaction to my debit card / bank was in CHF which triggered a conversion with my bank that cost me 4 %. Then that CHF was itself converted by Paypal to EUR to make the payment of XXXX EUR to the broker which itselfcost me another XXXX EUR  ( close to 5 % of the total ) .I asked why I was not warned or prompted in any way. I got multiple responses with a number of blatant lies. 

Some of the lies were " your bank reported your card as a CHF  card '', or ( even worse ) " you set it to CHF ''. I checked with my bank and they denied they had anything to do with this nor that they were asked for any info, and I know I certainly can not specify the card currency as I double checked by adding a new card and there was no way to specify currency. When I confronted paypal staff with this they then admitted Paypal set this to CHF  just because I live in XXXX. Now that is fine but the problem is Paypal does not notify me when they did that nor was their any warning when initiating or completing the transaction that was invoiced in EUR. There was no warning about conversion rate or cost or anything of the sort.Essentially I wound up with close to XXXX EUR cost in just this one transaction just because Paypal does not bother to warn of this.Even worse now I'm being told that I have to withdraw the EUR in my account ( which was returned by the broker ) as CHF - essentially triggering another 10 % cost of withdrawal.The absurdity of this situation bears no mention and I won't stand for it.I am asking for some sort of abatement / adjustment as none of this was my fault yet I wound up paying for this.I also need some sort of solution for returning my money to my bank in kind. I hold a EUR account and not CHF. And I will not accept another 10 % being taken from my money.I await your response on these 2 matters.
Product: Mortgage

I contacted Planet Home Lending on XX/XX/2020 to discuss a forbearance. I was told that I did qualify for a XXXX forbearance under the CARES act and to follow up in XXXX. They said they would also send a letter about the forbearance which they never did. When I called back in XXXX, they said that my mortgage was sold. In the meantime, when I again called and asked why they were reporting my mortgage as past due to the credit reporting agencies they said because that is how they report it. Again, I requested the letter regarding my forbearance as well as my taxes for 2020, both of which I still have not received. 

Today, I called my new lender who claims to have no knowledge of my request for forbearance to Planet Home Lending. They have been wrongfully reporting this to the credit agencies for months now when I was told I qualified on XXXX/XXXX/202 and there was nothing further for me to do. 

I can not get any further information from the company or my taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This creditor is reporting inaccurate information about the account status. 

623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 5 16815-2 ] ( a ) Duty of Punishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting infor actual knowledge of errors. 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. 
( B ) Reporting information after notice and confirmation of errors. 
A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( il ) the information is, in fact, inaccurate! 
( C ) No address requirement. A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 
( D ) Definition. For purposes of subparagraph ( A ), the term " reasonable cause to believe that the information is inaccurate ''.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX Balance : {$8300.00} XXXX XXXX  XXXX Balance : {$730.00}
Product: Checking or savings account

XXXX XXXX gave me two account numbers from Bank of America to get the money he borrowed from me back. After I started to get the money into my account, my bank blocked my account, and then when I called my bank, they told me that my account was at a negative XXXX dollars because it was a bad check. I would like for Bank of America to look into the accounts because it is upsetting. I want to know who the bank account belongs to, and I also want this person to get arrested for fraudulent this is awful. The bank accounts ' routing number is XXXX account is XXXX and the other one is XXXX. I would like for bank of America to get to the bottom of who that person is who's scamming hard-working people. It happened in XX/XX/2020 2020
Product: Debt collection

I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. 

XXXX XXXX The Federal Trade Commission XXXX FTC ) makes it crystal clear that when you receive an FTC identity theft report filed with a law enforcement agency ( which is the FTC itself ), your obligation is to comply with the law. 

This is your final opportunity to process my identity theft request properly, or I WILL TAKE LEGAL ACTION IN A COURTROOM where you will BE HELD ACCOUNTABLE for the damage caused to my reputation, credit, and the emotional turmoil I've endured due to this matter. Rest assured, the negligence regarding MATERIAL facts will become GLARINGLY EVIDENT, and you will be compensating me for your recklessness.
Product: Vehicle loan or lease

XX/XX/year> I received denial letter from Ally Bank.
Product: Credit card

I noticed two charges on my Navy Federal credit card. {$7400.00} and {$9500.00} back on XX/XX/2023. The charge description is XXXX XXXX XXXX. I did some research and it's a loan agency. I've never had a loan with the company nor do I now. I did not swipe my card nor did I give permission to whoever used my information. I'm assuming it was done over the phone because the card never left my possession for someone to use in person.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( XXXX ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX