23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act., the account below as well as the reporting agency has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX Account XXXX XXXX. In regards to the account mentioned, in attempt to remove the negative and falsely reported information, I have received a letter stating the company has verified an account which was not requested nor has the account in any way been actually verified. As I stated before, 15 U.S.C 1681 section 602 A. States I have the right to privacy, which the company and reporting agency clearly violated. Also, 15 USC 1681b states that you MAY furnish a report in accordance with the written constructions of the consumer, which I HAVE NOT given you as you have violated my rights.15 U.S.C 1681c section ( a ) ( 5 ) 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. Numerous laws have been violated regarding this account and I want it removed from my consumer report immediately. I am aware of my rights as a consumer, if my demands aren't met I am prepared to escalate the matter to court regarding both companies for remedy. This account has brought defamation of character, stress and hardship upon my life. I am unable to move forward in business because of false and negative information on my account. XXXX has removed the account XXXX XXXX XXXX due to false and negative information being reported, also the account being reported without my consent. I have all exhibits to show that XXXX has complied and provided remedy to show in court. I want it removed immediately.
Product: Credit reporting or other personal consumer reports

I Reviewed my Consumer Reports and noticed that I had ten payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof With statements showing that these payments were late, If proof can't be provided, I demand these payments be updated to on time as they should be as I was Never late. Thanks
Product: Debt collection

XXXX SENT ME AN EMAIL ON XXXX XXXX XXXX. THEY DID NOT INCLUDE INFO TO DISPUTE MY DEBT. ON XXXX XXXX XXXX  I ASKED HER TO EMAIL ME A DEBT VALIDATION LETTER AND NONE WAS EVER SENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lodged disputes with XXXX XXXX, XXXX XXXX XXXX and Bank of America with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.
Product: Credit reporting or other personal consumer reports

LCI Consumer Center- is reporting public record on my consumer report ( s ) without my written or verbal consent. So I'm electing to opt out of any & all authorization of reporting any records pertaining to me. that I the consumer may have given you, either in writing, non-written or verbal or non -verbal per 15 USC 6802 & 16 CFR 313.7. This is effective immediately and indefinitely. 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( e ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. 313.8 Revised privacy notices. ( a ) General rule. Except as otherwise authorized in this part, you must not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party other than as described in the initial notice that you provided to that consumer under 313.4, unless : ( 1 ) You have provided to the consumer a clear and conspicuous revised notice that accurately describes your policies and practices ; ( 2 ) You have provided to the consumer a new opt out notice ; ( 3 ) You have given the consumer a reasonable opportunity, before you disclose the information to the nonaffiliated third party, to opt out of the disclosure; and ( 4 ) the consumer does not opt out. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Money transfer, virtual currency, or money service

I booked a trip for 4 clients on XX/XX/XXXX, and received 2 separate payments on XX/XX/XXXX and XX/XX/XXXX for {$7900.00}. After the second payment, Square suspended my account and froze all transfers of money. I then immediately submitted the documentation required to get my account reinstated, including receipts, payment authorization forms submitted by the clients, operating and organizational paperwork filed with the state, and everything else they required. On XX/XX/XXXX they deactivated my account and said that all transfers will be frozen for 90 days. I tried to call them, chat with them, email them, but everything either sends me to a robot or a noreply message with no ability to talk to a human. I now can't pay my vendors, including hotels that are selling out, so may have to cancel my clients trip or have really dissatisfied clients, effectively putting my business at risk. I don't  know what to do!
Product: Credit reporting or other personal consumer reports

hello i recently sent a letter to XXXX  on XX/XX/2024 in regards to some accounts they have listed as equifax. I asked for them to send me the method and information they used to investagete these debt collectors.
Product: Credit reporting or other personal consumer reports

I received three letters stating my credit and social security number, identification, and passport information had been hacked. They offered free credit monitoring but I have noticed 65 credit inquires that are not mine. I have also been notified by SS administration that a false report was filed and they stopped it due to the fact I have no children. Social Security has placed a note on my SS # files
Product: Debt collection

I sent a letter however, I do no reply. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Tide Water Finance Company '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Product: Bank account or service

On XXXX 2014 I file a complaint on a EFT because the company cancel my policy for my car insurance 2weeks after I paid them for a month of services I called XXXX XXXX several and got no where with them so I file a claim with Bank of America so have 90 days after investigate alls XXXX XXXX sent them authorization form and sent them prove of them canceling my policy after 2 weeks of services I sent them a copy of the e-mail that XXXX XXXX sent me and they still denied my claim and I feel I should be credit for that charge
Product: Credit reporting or other personal consumer reports

The chex system stated that it delete a item from my consumer profile but I keep getting denied accounts I can't open a bank account because of chex system I think I'm a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX  XXXX Auto Finance Date Open XX/XX/XXXX Amount XXXX I Want This Account Removed Off All 2 Beru Experian And XXXX I XXXX XXXX wrote this letter to you guys because this account is violating the TRUTH IN LENDING ACT they under report my my apr and also my late fees. ( FCRA ) The fair credit reporting act states that any inaccurate information credit report to be deleted this is causing me not able to move on with my life. This should be removed reported balances wrong infortmation my address in not XXXX XXXX XXXX and my name is XXXX XXXX not XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX violated my rights as well I would like them removed original credits credit XXXX XXXX they call me harassing me at all kinds of times at night. 

XXXX XXXX XXXX  XXXX $ Violates the hippa law medical debt can't be sold be to 3rd party ALSO ( FCRA ) INQURIES FROM XXXX XXXX XXXX XXXX XX/XX/XXXX WERE NOT ME FCRA STATES INFORMATION THATS NOT RIGHT TO BE REMOVED
Product: Vehicle loan or lease

My husband and I bought a XXXX XXXX Van brand new from XXXX XXXX off the XXXX XXXX. My husband insisted on buying the van on the same day I was diagnosed with XXXX XXXX after being at my XXXX XXXX office for four hours. 
We traded in my XXXX XXXX XXXX that had XXXX miles. I was not in my right mind making a decision on a new car ; let alone {$600.00} a month note. 
Then a year or so later, we got it refinanced under Chase Bank for the remaining balance which made it {$540.00} a month. Still too high for me. 
I've been struggling trying to pay this van off. It was ( I think originally ) bought at {$37000.00}. I've been out of work off and on. I regretfully been using the money for in-between times until I could go back to work. Now, I'm battling with XXXX  ( XXXX XXXX XXXX XXXXXXXX ) beyond Stage XXXX and on XXXX. I thought I was almost through paying on this car. Now Chase Bank is saying I owe {$10000.00} in fees and late payments. Omg! I just want to be finished paying for a night mare van note that I never really wanted. 
Please help dispute Chase Auto Finance. 8 years is too long to be in debt to a car. XXXX, XXXX
Product: Mortgage

I am disputing Ocwen 's account that my realtor and the buyer 's realtor could provide {$1500.00} each to me for my relocation fee as long as it was not on the XXXX form. That does n't make sense because they never provided a means by which the fee could be allocated to me. When XXXX XXXX, my realtor spoke to me he was uncertain how to make that happen if it could not be addressed on the XXXX form ... .also the paragraph from XXXX XXXX, 2016 that XXXX informed Ocwen to move forward without incentive is untrue. I never gave consent to that and there is nothing in writing to that consent. I needed the money to move. This response does not address the relocation funds from my initial complaint from case # XXXX ... I have submitted another offer for the short sale at $ XXXX and learned that the negotiator is still refusing to pay the relocation money which contradicts what is in the contents of the attached letter. Ocwens ' response did not address my concerns. I need the relocation fee to move.
Product: Credit reporting or other personal consumer reports

As I reviewed my report I see inquiries on there that were done without my consent Enclosed is a copy of my Identity Theft Report supporting my position. In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft.

Please investigate this matter and remove these inquiries ] as soon as possible. Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) ENCLOSURE : FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft ( a )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a dispute letter to XXXX XXXX XXXX and all 3 credit bureaus. My account has 7 inaccuracies. It is well over 30 days again and the account still has 7 accuracies and nothing has been updated or removed.
Product: Credit card or prepaid card

I requested a credit balance refund check from CapitalOne on XX/XX/2020. I have not received my funds as of today, XX/XX/XXXX. The amount is {$6100.00} from my Venture credit card. 

After the check was returned to the company due to an address issue ( one that was not my fault ), I have called 20+ times to check on the status of my money. 

In almost each instance, the customer service reps suggested a different plan of action or just told me to wait. 

Now, my money hangs in the balance as a case investigator looks into where my money is. This is absolutely not acceptable as I need this money to pay my bills. 

In essence, CapitalOne has taken my money XXXX as it grinds through ineffective administration efforts. 

Absolutely shameful given current economic situation and financial difficulties consumers such as me are facing! I just want my rightful money back NOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer reporting companies known as XXXX XXXX and XXXX XXXX have reporting incorrect info for the last months when I applied for credit and loans through several different companies. I applied to these companies base on being pre-approve base on my XXXX credit score. I paid off all off my charge accounts and debts in XX/XX/2021, but none of what I paid off is reflecting on XXXX XXXX and XXXX XXXX. each still have stuff on my report over 7 years old or stuff that has not been updated as paid. I am very upset because I recently was discharge from bankruptcy and a number of debts was paid off and cleared as a result of the discharge in XX/XX/2021. I need to know why these companies have not updated my credit files. This continue to damage my abilities to apply for credit. I have work very hard to repair my credit for this to cause problems now. I need this fix ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX. XXXX, XXXX Reference No. XXXX Account name : XXXX Account No. 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.

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 convictions of crime 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 reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : XXXX XXXX had requested a security freeze from your entity. He had spoken to various members of your staff. Equifax had stated that it had sent XXXX XXXX a copy of his pin. XXXX XXXX has not yet received the pin to his freeze. I have asked XXXX XXXX to fax an " Intent To Sue '' notice. I am attaching this notice to the complaint. XXXX XXXX will formally send this notice through the form of a facsimile. If Equifax does not comply with XXXX XXXX 's request, it will be ordered to pay for all of XXXX XXXX 's attorney fees, court fees, and penalties under the Fair Credit Reporting Act. Equifax has 5 days from receipt of the " Intent To Sue '' notice to contact XXXX XXXX and resolve the issue. Failure to do so will result in a subpoena being served to your company. Thank you.
Product: Credit reporting

I filed a dispute for a tax lien that is being reported on my Equifax report. The lien was released by the IRS on XX/XX/XXXX. Equifax has been reporting this information since XXXX. I have sent them proof it was paid in full on XX/XX/XXXX. This information should have been removed from my report after XXXX. I keep disputing the information but yet the refuse to removed it as stated in the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

o not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - I HAVE NO ACCOUNTS FOR THESE INQUIRIES AND WOULD NOT CONSTANTLY RUN MY CREDIT, WHICH WOULD RESULT IN A BAD SCORE I AM ALSO UNABLE TO ACCESS MY XXXX ACCOUNT AND TRANSUNION, THEY HAVE MADE IT IMPOSSIBLE TO LOG IN XXXXredit Inquiries Credit Inquiries - SummarXXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I submitted a complaint on XXXX regarding Wakefield regarding a debt of {$15.00} owed to XXXX XXXX XXXX XXXX. My complaint number is XXXX. Wakefield called me three ( 3 ) times today from different phone numbers. The last phone call I receied today at approx. XXXX XXXX, I told the man ( who had a specific XXXX  accent ) in no uncertain terms to NEVER CALL MY NUMBER AGAIN and that I had turned Wakefield into the CFPB. I hung up on him. He said the call was in reference to debt collection. I told him I didn't owe Wakefield or XXXX any money, never heard of them, and never contact me again. This is over a debt of {$15.00}. I have no idea whatsoever who these people are or what a debt of {$15.00} is.
Product: Credit card

So The 1st National Bank Of Omaha, at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, phone number XXXX, Wrote Off My Debt With Them of {$5600.00}! They Wrote It Off To The I.R.S As A PROFIT LOSS! Now 1st National Bank Of Omaha Is Taking Me to Court In XXXX XXXX Maryland For The Amount Of {$5600.00}! So If The 1st National Bank Of Omaha WROTE off The debt As a Profit Loss To the I.R.S, Then They Can't Come After Me In Court! They Need To Provide Me With A 1099-C, So I Can Declare The {$5600.00} As INCOME! Can You Please Help Me, The FNB of Omaha Will not Help!
Product: Payday loan, title loan, or personal loan

This loan is hard to keep up with. It's been a year of making payments and I Still owe more than I borrowed. It's a huge financial burden.. I explained to their reps that this loan was taken because my finances were hit hard from covid.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX regarding their unauthorized sharing of my nonpublic personal information with nonaffiliated third parties and consumer reporting agencies include any third-party. I have taken appropriate steps to exercise my right under 15 united state code 6802 of the Gramm Leech Bliley Act GLBA to opt any, and all out of such information sharing and I believe my privacy rights have been violated On XX/XX/2024 I notified XXXX that I am opting out of any and all authorization rather written, unwritten, verbal or nonverbal for the sharing of my nonpublic, personal information with nonaffiliated third-partys, 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, accordance with the legal requirements outlined in 15 united state code 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 Gramm Leech Bliley Act I have reason to believe that XXXX has continue to furnish my nonpublic personal information to the nonaffiliated, third parties and consumer reporting agencies without my consent. This unauthorized sharing of my non public personal information, constitutes a serious violations of my privacy rights and a breach of the 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 actions to ensure that XXXX complies with all federal regulations and laws, including the XXXX 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 XXXX please feel free to contact me via email at 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.