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

I have a Privacy issue related to my credit report, specifically in connection with the account provided by [ XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX Dept of edXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  ]. Pursuant to the Gramm-Leach-Bliley Act ( GLBA ), I am seeking clarification and resolution regarding the privacy of my personal information. I believe there may be a violation of the GLBA, which mandates the protection of non-public personal information. To address this concern, I am requesting the following information : 1.Detailed Explanation : Please provide a detailed explanation of how my non-public personal information is being handled, including the measures in place to ensure its confidentiality and the entities with whom it has been shared.

2.Opt-In Documentation : As required by GLBA, I requested documentation confirming that I have explicitly opted-in for the sharing of my non-public personal information.

This includes any initial notices provided to me at the establishment of the customer relationship.

3. Written Contracts and Agreements : Provide any written contracts or agreements between myself and the data furnisher explicitly granting permission to share my non-public personal information.

4.Furnish any documents bearing my signature, confirming my explicit consent to data furnishers ( OPT-IN ) the sharing of personal information.

Failure to provide the requested documentation within a timely manner of 30 days from the receipt of this letter may compel me to pursue further action, including filing a complaint with regulatory authorities. It is crucial to address this matter promptly and transparently to ensure compliance with GLBA regulations I appreciate your immediate attention to this matter and look forward to a prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

How many times do I have to tell the Credit Reporting Agencies that the references for the late payment on these accounts are erroneous and misleading causing negative impact on my file? I previously sent a letter to Equifax requesting the investigation and correction of the accounts and yet they have done nothing. Equifax is obliged to investigate and update this account per consumers requests under the FCRA regulation. The 3 credit bureaus must validate this account in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. Once again, I am requesting that Equifax take their time to THOROUGHLY investigate and CORRECT these accounts to report accurate information on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

XXXX has suffered a handful of data breach incidents over the past 18 months, including a XXXX incident in which hackers obtained the personal information of up to XXXX XXXX individuals Five years ago, a massive data breach occurred. On XXXX XXXX, XXXX, the XXXX credit bureau publicly revealed its computer networks had suffered a data leak that exposed the personal information of XXXX XXXX consumers, a number later raised to XXXX XXXX. That data included consumers names, addresses, dates of birth, Social Security numbers and credit card numbers all of which could lead to identity fraud and other financial crimes. 

Experian, one of the leading global information services groups, experienced a significant data breach in XX/XX/XXXX. This breach exposed the personal information of millions of consumers due to unauthorized access to data from a server that contained information for clients, including XXXX The incident was particularly concerning due to the nature of Experian 's business, which involves handling sensitive personal credit information.
Product: Checking or savings account

I opened a account up with Us Bank in XXXX, Wi at the XXXX in XX/XX/2020. With a Promo Code to receive {$300.00}. I met all requirements and there refusing to deposit the money in my account. There liars, and used this checking account offer to get people to use there bank.
Product: Credit reporting or other personal consumer reports

XXXX is sending INCORRECT information to FICO-Equifax, stating that my account is closed, included in bankruptcy and there was a late payment XX/XX/XXXX. NONE OF THIS IS CORRECT. 

Only the FICO Credit Report is showing the wrong information. I requested/reviewed all 3 of my credit reports on the 3 credit bureau 's pages ( they are correct ). 

XXXX is being predatory and criminal because when I did a balance transfer to another account in XX/XX/XXXX, they took away {$11000.00} of established credit limit from my account ... in retaliation of my balance transfer. They went further to retaliate against me by reporting false information to FICO-Equifax Report starting in XX/XX/XXXX. But the supposed late fee they claim was in XX/XX/XXXX. I also reviewed the CC statements and verified with their credit department, that everything was in good standing. SO WHY ARE THEY REPORTED FALSE INFORMATION TO FICO-EQUIFAX? 

AGAINXXXX XXXX XXXX XXXX HAS BEEN RETALITORY. THEY COMMITTED A FEDERAL CRIME, AND ARE SUBJECT TO LAWSUIT.
Product: Credit card or prepaid card

The waytogo program suspended my card and Ive been trying to get in contact with them for 2 months still no answer I have no food I have to borrow money from other people. I stay in the call for 2 hours everyday waiting for answers. And nothing is fraudulent about my account everything is under my information this is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Amount account number XXXX {$610.00} XXXX XXXX XXXX account number # XXXX amount {$260.00} XXXX XXXX XXXX account number # XXXX amount {$0.00} XXXX XXXX ACCOUNT NUMBER # XXXX amount {$0.00} XXXX XXXX XXXX # XXXX AMOUNT {$0.00}
Product: Credit card or prepaid card

On XXXX I bought two round trip airline tickets from XXXX to XXXX using XXXX wells fargo go far rewards points. On XXXX, the airline, XXXX XXXX, emailed me informing me that both the departing and return flights have been cancelled and that I would get a full refund. On XXXX, I got an email from go far rewards stating that there was a travel update and I should contact them. I have called Wells Fargo go far rewards 3 times since then requesting a refund for the flights and have no yet received one.
Product: Checking or savings account

I have chase as a bank my card was lost/stolen in XXXX i noticed some charges I did not do and I called my bank and told them what happend I told them XXXX last transaction I told them exactly where I lost my card and told them the transactions that were done on my card I feel sad and very unsafe because Ive had this account for years. I filed a claim and they denied it the first time they filed the claim incorrectly so I had to file the claim again and then they credited my account days later I checked my account and they reversed the funds told me my claim was denied leaving my account at XXXX dollars I explained to them these transactions were not made by me I was told they can not do anything to help me that VISA denied my claim so Im very confused and frustrated as to why my bank is not protecting my account and they are doing nothing to credit my account back.
Product: Money transfer, virtual currency, or money service

On XXXX, XX/XX/XXXX, I received an email related to a Venmo transfer of money that I did not make. I immediately opened a case with Venmo disputing the transaction. I called my bank ( XXXX XXXX ) that agreed this was unauthorized activity and fraudulent activity and they were able to place a stop payment on the money being sent to Venmo. Coincidentally, the same day, the same card had another unauthorized transaction to XXXX XXXX that was disputed with XXXX XXXX and XXXX that is still under review. On XX/XX/XXXX, Venmo responded to my case by denying the dispute stating that the transaction was " consistent with my payment history '' even though this transaction was sent to a contact that I had never sent to before. I asked Venmo to explain why they deemed this an authorized transaction when every other party rightfully concluded that this was unauthorized and fraudulent, and I asked Venmo to provide the documentation that was used in my case. They have been unable to provide additional information for either request. Additionally, I had a positive cash balance in Venmo prior to this activity. They have frozen my account and the only way for me to unfreeze it is to pay the amount of this unauthorized, fraudulent transaction plus an additional fee. So they are essentially holding the money that was already in my account and rightfully mine XXXX and not allowing me to access it unless I pay for the unauthorized, fraudulent transaction and an additional fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

The account was to show a XXXX balance on credit reports and paid in full. It does not. Their pdf was not attached to the complaint or made available to me only the words and nothing as a clickable link to download and view. I need this. They need to report the information to the credit bureaus appropriately.
Product: Credit reporting, credit repair services, or other personal consumer reports

After a XXXX previous investigation by CFPB XXXX FDIC Genesis Card Services XXXX XXXX Celtic Bank removed the late reporting from XX/XX/XXXX see letter of XX/XX/XXXX. Since that time, as of XX/XX/XXXX they maliciously reported XX/XX/XXXX being late on my XXXX XXXX and XXXX account. XX/XX/XXXX WAS NOT LATE AND HAS NEVER BEEN REPORTED LATE UNTIL NOW. This reporting has dropped my score, keeping me in a hotel unable to qualify for a mortgage, apartment or employment that would require a secure internet connection. These constant incorrect reporting 's are abusive mentally, financially and emotionally. I have employment and a home pending. This is emotionally, physically and financially abusive. I have become XXXX, not well and living in a hotel is draining my income. This has altered my life!
Product: Credit reporting or other personal consumer reports

I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX for the account showing on the credit file with Advantage Collection Professionals. In order to facilitate efficient proceedings and ensure all relevant information is accounted within the credit report for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. 

Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transactions specifics. 

Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgements, and settlements. 

Pertinent correspondence, communications, or notices related to the chose in action. 

Any other documents or records that provide insights into the nature, ownership, or status of the chose in action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND TRANSUNION HAS ACCOUNTS ON MY CREDIT REPORT THATS NOT MINE. THEY REFUSE TO DELETE.
Product: Checking or savings account

I opened a cd account but was told that i could only make it a joint account AFTER it was set up. However, it has been impossible to ad my wife to this account. we have spent more that XXXX XXXX hours on the phone with them. There is a continual problem with IDENTIFYING my wife [ XXXX XXXX ] even though we have gone through numerous step including sending id photos to them. There is always a problem and they request that we go on this never ending loop of repeating the same steps over and over with the same result. Their only " possible '' solution is for my wife to set up a savings account with them. This even though she already has a credit card with them. After numerous attempts [ some suggestions have been to " just wait a few days and try again '' ] I requested that they close the account without withdraw penalty. This was done on the day that the account was finally funded from my other bank. They refused to agree, and again suggested she open an account with capital one Upon further investigation I also found out that when the cd matures there are only TWO ways to redeem : Roll it over, or open up a savings account with Capital One
Product: Mortgage

I want to submit a complaint against Ocwen Loan Services. I put my house up for a short sale for the second time a year ago and Ocwen has been giving me the run-around again ... I had a buyer for the house in XX/XX/XXXX and it took Ocwen 4 months to review it. I spoke with a Relationship XXXX ( they changed constantly ) for XXXX years ( see about the status of the account and where things were ... I was told my account was still being reviewed then I was served with a sale date in XX/XX/XXXX the day after I spoke to my Relationship XXXX and there was no mention that Ocwen was going to sale my house ... .I was forced to file Bankruptcy immediately with no real job ... .I was doing temp work at the time and a loan from a friend of {$1600.00} to pay for a lawyer to stop the sale. 
After that the bank said they had finally reviewed the documents, they wanted more money for the house to meet XXXX ... The buyer agreed ... When all of the paperwork was completed for me to sign, there was no relocation fee money on the table for me. I asked what happened to that and was told a number of things from the XXXX fee and the relocation money could not both go on the XXXX form together to because I was delinquent with the XXXX, the bank could not pay the relocation money ... none of this was in writing to me ... .after many phone calls I was told that the house needed to be sold for more money in order for the bank to accommodate me ... I asked for all of this to be put in writing because none of this had been shared with me in any of the written communications. A few weeks later I received a form letter stating I was ineligible for the Relocation money but no explanation was given ... We raised the price of the house to the amount I was told by XXXX of the customer service reps and then I received a letter from an attorney saying the bank was foreclosing on me ... .I called Ocwen to get a status on my account this week. Ocwen said the file had been closed. I asked if the new offer had been received. He said it takes a couple days for the systems to be updated. I said the new offer had been submitted. He said check back in a couple days. He then set up an appointment for me with my Relationship XXXX for XX/XX/XXXX I said my last appointment was missed by the RM. He asked if I needed anything else. I said I had received a foreclosure letter from an attorney. He said " Oh yeah, there is a sale date. '' Had I not said anything, the rep never would have mentioned it. This is a pattern ... We spent a year trying to get this done and the bank is moving ahead to sale the property at auction when we have a buyer that has been approved by them. Is it that they do not want to honor my request for the relocation fee? I do n't know. I need help ... not only for me but for the buyer who has put her life on hold for a year and the bank has not respond honorably. Please help!
Product: Debt collection

Subject : Dispute Regarding Certified Document of Declaration of Authority Order Dear Harris & Harris, I hope this letter finds you well. I am writing to address a matter of concern regarding the certified document of Declaration of Authority Order that I recently received from your organization. Upon reviewing the contents of this document, I have certain queries that I would appreciate you addressing in order to facilitate further understanding of the situation. 

Firstly, I would like to seek clarification on the nature of discovery that prompted the issuance of this order. As a recipient, it is important to comprehend the background and context in which such a document is being sent. Thus, I kindly request that you provide me with a detailed explanation of the nature of this discovery and the reasons for its relevance to my situation. 

Secondly, I would like to understand the purpose behind the choice of communication method utilized to deliver this instrument. In the document, it is stated that the order was sent either via telegram or by postcard. Considering the importance and sensitivity of the matter, I believe it would be in the best interest of all parties involved to ensure that crucial information is transmitted through a secure and reliable channel. Therefore, I request an explanation for the chosen mode of communication and the rationale behind it. 

Moreover, the order states that I am being commanded to provide a certain amount of money. However, I must emphasize that I currently do not possess the financial means to fulfill this requirement. Therefore, I request an explanation as to why such a demand has been made, considering my current financial circumstances. Any additional information regarding the purpose of this demand would be greatly appreciated. 

Finally, I would appreciate clarification on whether your organization is of foreign or domestic origin. It is important for me to understand the jurisdiction under which this order has been issued and the implications it may have. Furthermore, I kindly request that you provide proof of your organization 's political allegiance, specifically its connection to the Congress of the United States Republic of North America. 

Please be advised that, in my correspondence, I refer to certain legal provisions such as UCC 1-207 and UCC 1-203 without prejudice. This is in an effort to ensure proper communication and adherence to applicable legal frameworks. I encourage you to review these provisions accordingly and address any potential implications they may have for this dispute. 

In conclusion, I kindly request a prompt and detailed response to the points raised in this letter. I believe that open and transparent communication will assist in resolving any confusion or misunderstanding that may currently exist. I look forward to receiving your response within [ insert specific timeline ] days from the receipt of this letter. 

Thank you for your attention to this matter. I trust that we can come to a mutual understanding and reach a satisfactory resolution.
Product: Debt collection

On or about XXXX XXXX, I was notified by my credit monitoring that Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX phone number XXXX, has added a collection account the credit bureau 's . Midland Credit management states they are the original creditor and that this account is open. I have never done business with Credit management and have received NO documentation from Midland Credit. They are in violation of FDCPA Specifically 15 U.S 1592 G. They are also in violation of FCRA. Upon researching my State license for collection agencies, the is NO active license for Midland Credit Management to collect in the state of Tennessee. I will also be filling a complaint with the XXXX  and the State of Tennessee attorney general.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXXATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three items on my credit report. Which include one XXXX XXXX card with the amount of {$650.00} and another XXXX XXXX card in the amount of {$680.00} both of these are fraud and the third is a account with XXXX XXXX XXXX XXXX {$25000.00}. Which is fraud as well. I filled in the FTC report with all the complete information. I have done a FTC and they keep telling me that the FTC report is fraudulent saying that I did not file it with the police station. You do not need to do a FTC report with a police station.
Product: Debt collection

Hello there my name is XXXX XXXX XXXX XXXX I am filing this complaint regarding company Cain and Weiner partial account number # XXXX XXXX. I was made aware of this negative collection account through XXXX credit bureau in which I am enrolled in fraud detection I spoke with two Representatives XXXX also XXXX of XXXX credit bureau for Department I was also enrolled at the time of this listing I have never heard of this company ( Cane and Weiner ) I have made numerous disputes with the debt collector as well as XXXX. Please be advised that I was referred to the CFPB by the XXXX credit bureau fraud department this negative collection account has put me in extreme hardships as it is reported to all three credit bureaus about this negative account that was illegally without my consent. I am also including a screenshot of my credit report showing this account. I have also contacted the debt collector they have no record of me on file yet it is on all three of my credit reports affecting me in a major way I need this account removed permanently please my rights were violated as a consumer. The amount of the collection is {$180.00} the date of this wrongful collection account was reported on my credit XX/XX/2020 State before I was made aware of this fraudulent negative account by XXXX representative XXXX of the fraud department
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and practices which violates the consumer financial protection act ( CPFA ). Specifically, Cash App fail to take timely and effective measures to prevent an 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 redress for these violations.