23daVinci/CFPB_Complaints huggingface dataset:
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 U.S.C 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1682 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 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 7 years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or had reasonable cause to believe the information is inaccurate
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to XXXX XXXX XXXX they are suppose to 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: Student loan

Called several times to get Six-Digit organization code ( this code is needed to complete the form electronically ), the representative indicated after consulting with her supervisor they do not have the information and they are unable to provide that code, the only code they can give is the tax-id or ein number. The six digit organization code is needed to complete the XXXX program. They indicated that they can email the form however it will still take 30 days to complete processing, in which time the information would not be able to be used to receive PSLF.. Also representative indicated that she was transferring me to a supervisor, upon transfer received a message stating that someone would return the call within XXXX hours.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Product: Checking or savings account

On XX/XX/XXXXMy card was stolen and used at a number of ATMs and possibly one check cashing location for a card advance. I reported the fraud when I became aware of it the next morning. I don't know how someone got my pin number other than that I did use the card at an ATM in a bar prior to leaving to go home for the night.

My claim of Fraud was denied on the XX/XX/XXXX and I was instructed that If I wanted to have the claim reconsidered I would have to open a police report for the theft. I did report the card theft and the theft of {$1400.00}. The case was reopened with Bank of America. The bank last week finally got back to me and said again that there was no fraud. They cited their reasons for their decision as : Pin number was used and no attempts were declined indicating that whoever was using the card had knowledge of my bank account.

The person using my card at ATMs was covering their head and camera footage was not available to determine who it was.

There were in fact, a number of attempts that didn't go through because they tried to take out more money than I had and, once my account was cleaned out, I was at a negative balance of over {$700.00}.

The bank is now saying that I need to submit new evidence in order to reopen the case. I do have a receipt for a Pizza I bought at the time of the fraud that was delivered to my home which is no where near where the card transactions took place. I am unable to get a cell phone usage statement from XXXX  without a subpoena and I was asleep for most of the fraudulent activity so I have no other evidence of my whereabouts at the time.

What more is there to be done? I'm still out {$1400.00} and the bank has been charging me overdraft fees that I am unable to pay because all of my money was stolen. I additionally had to take out a loan from my parents to cover the loss as this occurred just after my pay day. MY bank account is still over {$700.00} negative. I have since opened an account with a new bank since I can't trust keeping money with Bank of America?
Product: Credit reporting or other personal consumer reports

The collection of information on this form is authorized by one or more of the following statutes : 18 U.S.C. 1028 ( false documents and identity the! ) ; 1028A ( aggravated identity the! ) ; 18 U.S.C. 1029 ( credit card fraud ) ; 18 U.S.C. 1030 ( computer fraud ) ; 18 U.S.C. 1343 ( wire fraud ) ; 18 U.S.C 2318B ( counterfeit and illicit labels ) ; 18 U.S.C. 2319 ( violation of intellectual property rights ) ; 28 U.S.C. 53XXXX ( FBI authorized to investigate violations of federal law for which it has primary investigative jurisdiction ) ; and 28 U.S.C. 
534 ( FBI authorized to collect and maintain identification, criminal information, crime, and other records )
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 a transfer of funds between another USAA member and myself Accrued. USAA now uses a 3rd party company called XXXX, when the transfer was placed a text was sent to my phone saying " XXXX sent you {$1000.00} through XXXX, a service of XXXX XXXX XXXX, at XXXX XXXX XXXX. Reply with STOP to end msgs or HELP for help. '' after some time I realized the funds had not been transferred. after consulting USAA I was informed that I only had 14 days to register or the funds would go back to the sender. I was well over that period and now am being told that USAA has no way of contacting the Sending Member or any way of completing the transfer. The points i would like to make are in the Text Receipt message it states nowhere that i need to login and register, or that my funds transfer would not be completed until I am registered. the text does however state that {$100000.00} was sent to me, when in fact it was never sent. I would consider this a lie and false invoicing. USAA has been unhelpful in this situation and is not making any attempts to rectify this situation
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found that one account balance is being reported incorrectly. The account balance being reported incorrectly is XXXX account ending in XXXX. The correct balance is {$200.00}. I contacted XXXX XXXX XXXX and was given the attached letter and told to contact the credit bureaus to have them update the account to reflect the correct information. I have attached the letter from XXXX to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to DELETE these unverified accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXXXXXX XXXX XXXXXXXX
Product: Student loan

To Whom It May Concern, I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have a very bad situation Equifax, XXXX are stating that my primary, only address is my only address, that XXXX XXXX has/had the ability to add an unknown address to my personal identity, information, that is the only address that goverment, burueas are using to identity. Time and Time again I tried reporting to government this identity theft, how can a company have that muh control, hierachy, walk past right me, directly over me, tell government officials that this is where I live, that's my primary address, In XXXX XXXX thats the last place I had my credit card. XXXX XXXX XXXX XXXX XXXX XXXX was a hello, goodbye, I reorted to XXXX XXXX close the account close the account in XX/XX/XXXX something is not right, I don't have the XXXX XXXX credit card. How can someone say I am in California going on almost 2 years. When I am really in Maine or what If I am Florida but no matter what somehow this unknown is locked, above all my current living it doesn't matter where I am in 5 years. All credit bureaus say that XXXX XXXX is the one reporting this address, only the can remove. Imagine how can, has anyone heard of that you cant call authorities, or remove an unknown address because government officials thinks that since the 2nd week after of XXXX of XXXX remember just one 1wk a few days I somehow I am at or living somehow magically at this unknown address, can not remove this address from credit report its XXXX  XXXX they stated has the right over my identity and credit report which is ruining my identity because authorities will not speak to me unless I speak to or mention the XXXX XXXX, So XXXX  XXXX as mentioned including from XXXX going into XXXX, calling including all 3 credit reports speaking to authorites XX/XX/XXXX Equifax, XXXX say the only authority, I can not dispute online not even when I call authorities and state this address is not part of my identity. So as Far as XX/XX/XXXX XXXX  XXXX government officials ( When did I give XXXX XXXX permission to keep account open, why don't I have control over my own identity about where I live. Why can't my real current living addresses or any address I choose be primary. I am told XXXX XXXX has over me, they are in control they can easily say I am In a Virginia or TX or this XXXX XXXX address put this or place as my identity in all credit reports. When I'm living really Living in New York as an example. This is really messing up my identity, they refuse to remove this unknown XXXX XXXX as primary, I go thru all the verify identity all the time including XX/XX/XXXX, they refuse to remove this unknown residence. No utiliites, no rent nothing just an unknown address in XXXX XXXX.
Product: Debt collection

XXXX XXXX- is suing me for {$730.00}. I attempted to log into their system to settle the debt. The system, would n't even recognize the account. I tried to find an email address to write them. I could not. Only a telephone number with a horrible automated system. 

On my credit report XXXX stated it is a " new '' credit and listed it as " new account '' this should be Illegal. 

I would gladly have been willing to settle with them, 1 ) attempted to contact me under the FCRA 2 ) Had my account accurately in the system 3 ) had an accurate amount of the balance in the card What can a person do, when a company, sue 's as first point of contact and makes it impossible to contact anyone at that company with a paper trail for court documentation? 

Please Please help ... .Every attorney wants more money than this sum and the Company Knows this.This is extortion and bullying tactics. Pay up, we violated the law, we know you ca n't fight this ... .Pay up.
Product: Credit card or prepaid card

Hi, On XX/XX/XXXX, I applied for a Lowes credit card in store at Lowes XXXX, NY location. After submitting my information electronically I was told that further information was required in order to proceed with my new credit card application. I immediately called the contact # provided at Synchrony bank and I was told to do a live video recording in addition to taking a picture of my driver license and submitting it electronically. I complied and provided everything, including my social security #, video evidence of my face and pictures of my driver license. I was then approved. I even made purchases without the card by referencing my phone # and social security # at the Lowes checkout. 

Today, XX/XX/2023, I received my credit card and bill for the amount I purchased in store on XX/XX/XXXX. I tried to activate the card online and on the phone and was denied because Synchrony bank wants additional information : copy of my driver license and utility bill physically mailed to a another location. I refused because I already provided this information and I just want to be able to activate my card and make payment to the account. However Synchrony bank still indicate they are unable to help me. This has become infuriating because I already provided all this information when I applied for the credit card in the first place. Synchrony bank already has all this information and they already APPROVED my application. Why is it so difficult for me to just activate the card so I can go online and make payments? I do NOT want to have to send my personal information again when I have already done so. Please file this complaint with Synchrony bank and Lowes. Thank you.
Product: Debt collection

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. 
The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I mailed a letter for request to delete and update any personal information to XXXX, Transunion & XXXX on XX/XX/2024. I also sent a dispute letter to validate alleged collections, negatively reporting accounts, and unauthorized inquires, along with consumer laws they violated, on XX/XX/2024. I did not receive a response or results of the investigation. Its been well over 30 days, and this is a clear violation of 15 USC 1681i. I've delt with these same reporting issues in the past and have not yet recovered financially. Below I've included the codes that have been violated and a list of accounts that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : Account # : XXXX, Account # : XXXX, Account # : XXXX, Account # : XXXX, Inquiry : XXXX, has violated my rights. 

XXXX : Account # : XXXX, Account # : XXXX, Account # : XXXX, Account # : XXXX, Account # : XXXX, Inquiry : XXXX XXXX XXXX, has violated my rights. 

TRANSUNION : Account # : XXXX, Account # : XXXX, Account # : XXXX, Account # : XXXX, Inquiry : 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 an 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

They did not verify any debt or show permissible purpose for the hard inquiries.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 


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Product: Checking or savings account

Direct deposits have not been deposited to accounts in the last 3 days. They are not available and company has not fixed it. Many people have not received their direct deposit pay from work or other types, I have not received my financial aid reimbursement despite my University saying it has been disbursed.