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

I am writing to file a formal complaint regarding the unauthorized and unethical handling of my personal information by various credit reporting agencies. This includes the improper transmission of sensitive data, such as my Social Security Number, date of birth, and other restricted information, to non-affiliated third-party entities that are not official credit bureaus recognized by the Consumer Financial Protection Bureau . 

This complaint is aggravated by several additional violations : Failure to Provide Opt-Out Information : I have never received the monthly options to opt out of data sharing, which is a requirement for ensuring consumer rights are respected. 
Lack of Express Written Consent : These agencies have never obtained my express written consent to collect or share my personal information, as mandated by law. 
Misrepresentation of Opt-Out Rights : I was incorrectly informed that I was not allowed to opt out of their services, which constitutes fraudulent misrepresentation. 
Illegal Profit from Personal Data : My personal information has been transmitted illegally to third parties for the profit of these agencies, from which I have seen no benefit. This action also constitutes a violation of the Privacy Act of 1974, which protects against unauthorized disclosure of personal information. 
These actions not only breach the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 6802, but also expose a severe disregard for my rights and safety, potentially leading to identity theft and financial fraud. The behavior of these agencies highlights a systemic failure to uphold the privacy and integrity of consumer data. 

I even have multiple responses for Sync stating " they follow all applicable laws '' but transmitted my XXXX XXXX, and Transaction data to unaffiliated third parties and then attempted to rationalize it with the following repsonse : " Credit Bureau Reporting. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be shown in your credit report. '' IT IS ILLEGAL TO TRANSMIT PAYMENT OR ACCOUNT INFORMATION. 

I urgently request that the Consumer Financial Protection Bureau initiate a comprehensive investigation into these flagrant violations and enforce appropriate penalties to prevent further misconduct as well as refer these bad actors to the XXXX XXXX  XXXX for investigation into fraudulent business practices. I will personally be filing a complaint with the NC attorney general. It is imperative that rigorous actions are taken to ensure compliance with all relevant statutes and to safeguard consumer rights. 

I look forward to your prompt response and resolution of this grave matter. Please contact me at the details provided above if more information or documentation is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to Transunion, XXXX XXXX  XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
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 Number : XXXX Account Name : XXXX Account Number XXXX XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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, credit repair services, or other personal consumer reports

Credit reports show CHP XXXX as a XXXX XXXX. All of my debt before XXXX XXXX have been XXXX. Credit report should be reporting a CHP XXXX.
Product: Money transfer, virtual currency, or money service

I was approached on XXXX. A guy asked me if I had any experience in XXXX trading. He presented himself as a XXXX man working for as a project manager in XXXX. He instructed me to download XXXX which then directed me to a scam website called XXXX which ked me to a practice wallet account with XXXX XXXX XXXX  ( which is the scam company ). 
He had tricked me into opening an account with them and to practice XXXX trading, after that I was manipulated into opening a real account with XXXX USD I had traded for a while, earned some money, but every time I wanted to withdraw my funds they asked for more to be placed in. 
I then realized it was a scam. 
It all started around XX/XX/XXXX. 
I lost XXXX USD The money was transferred from my Coinbase wallet to the scam wallet in XXXX then to the scammers -XXXX XXXX
Product: Debt collection

I checked my credit report and found that banco Popular of PR XXXX at XX/XX/XXXX appeared on accounts with adverse information in my XXXX credit report with inaccurate information the balance is inaccurate, the account was paid in full by the XXXX XXXX, and the banking institution received the property and they sold the property and received the payment of the sale and additional retained the downpayment that I make of 20 % of the cost {$40000.00} and the payments that I made since XX/XX/XXXX to XX/XX/XXXX and the payments that I make for insurances policies, maintenance, repairs, tools and equipment, stoarge and transportation and additional they retained {$26000.00} final payment of one of my certificate of deposit that never returne the amount to me inaviolation of the agreement after natural declared disaster XXXX Hurricane XXXX when they only gave me m months of moratorium in payments, they requested insurance policy renewal, they devaluate the property {$60000.00} less without any appraisal and manipulated the appraisal that they paid that contain different values of the property depending if I voluntarily return the property to the bank, if the property was repossess or if I keep the property and pay the debt. They discriminated against me they give me less favorable terms than other applicants and they offered non clear, misleading and fraudulent information in refinance transaction in XXXX when I went to the bank and let them know to XXXX XXXX and XXXX XXXX XXXX that I lost my divorce case and the money that I was expected and can't continue with the property and the loan and both denied me any solutions more than a refinance in balloon loan to favor the banking institution and did not notified me that they will take the down payment and all payments done. I would like to request for my intimacy and privacy right that this account will b remove because the account was paid more than full and they said it was charge off when they received all monthly insured payments, they sold the property and keep the money of the sale and keep the money that I paid and keep additional money of my certificate of deposit in a violation of banking regulations and discriminations against me. The account was reported inaccurate balance and I am natural declared disaster and declared disaster survivor, they commit serious regulations violations and depredatory acts against me. They are reporting this in a retaliation act against me and I received continuous loans denial due to inaccurate information reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian dinged my Credit report for inquiries, there are four on my account and after the two years have lapsed, they are not removing them and placing the points back on my account tha they took from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I notified XXXX, Equifax, and XXXX of multiple unauthorized inquiries on my credit. I notified the credit bureaus that I submitted requests to each individual inquirer to show I authorized the inquiry and had no response from them. 

Since XXXX until now the 3 credit bureaus have not sent me proof nor removed the credit inquiries. 

I again notified the bureaus in XX/XX/XXXX that it has been more then 90days and I have not received anything showing proof of authorization or removal. 

From my understanding the Bureaus have 30 days to investigate and if they can not provide me any proof then the inquiries must be removed.
Product: Mortgage

Hi, I a XXXX who is not computer literate. 
I refinanced my home with XXXX XXXX  last XX/XX/2022. A few months ago I received a letter saying My Mortgage has been sold to a Mr. Cooper LLC. The switchover was on XX/XX/2022. Before refinancing with XXXX XXXX, I was with XXXX XXXX for 20 years. 
Both XXXX and XXXX XXXX include your Loan Payoff on the Bill, along with when your next payment is due ( if you prepay in advance ). 
This New Lender, National Mortgage, Mr. Cooper LLC, puts No Information about Your Loan On The Paper Statement. 
So, You do Not know where You Stand With The Loan, mortgage. Ive spoken with several of Mr. Coopers Mortgage Staff, and they tell me to go on line?

1st, I have No Way To Get Online. A friend is helping me write this complaint. 
I would like National Mortgage, Mr. Cooper LLC to put the Mortgage payoff and when the next payment is due on their bills? 
I cant use the Mr. Cooper App, because I have No Way Of Doing So. I dont use email because its clogged with advertisements. So many, that I had to stop using email. 
Can You Please Ask National Mortgage, Mr. Cooper LLC to add the Mortgage Payoff and when the next payment is due like real mortgage companies ( such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
By not doing so, many XXXX like me could get into trouble By Not Having This Information. 
One Last thing, XXXX XXXX gave me the Mr. Coopers New Mortgage Number. So, I set this number up with my XXXX XXXX XXXX Account for Payment. When I finally got the Mr. Coopers New Loan Paperwork, Mr. Cooper added a XXXX in front of the loan number that was given to me by XXXX XXXX as the New Mortgage. 
Ive already made a payment to the mortgage number without the leading XXXX. 
Is this a problem? Is Mr. Cooper doing this so they can say they never got the payment. 
How can a Company change the Loan Number on You? Is this to to make XXXX XXXX make late payments on a loan paid on time? 
How come Mr. Cooper didnt give XXXX XXXX the correct New Loan Number? 
Now, I have to go to XXXX XXXX XXXX  and have them change the loan number because Mr. Cooper added a XXXX ahead of the loan number. Making it different than the number given to me by XXXX XXXX? 
Thanks in advance, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It was reported to the credit bureaus that I was late on my auto loan for various months, however it was agreed upon with the company that these " late payments '' were protected under the Cares Act due to COVID-19 and therefore would not report. I paid my loan as agreement and they still reported the late payments. I sent a goodwill letter explaining this to them, however they wrote back stating they do not accept " goodwill '' letters but promised not to report the hardship I was undergoing by loosing my job!!
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 





XXXX # XXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I closed the account but the merchant has it as a charge off. This needs to be updated and fixed. 

I am a victim of the Florida flood and the creditor agreed to remove this negative account off of my credit report. The creditor is violating FCRA Section 604 and 609. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719. 

I only used XXXX $ off the card and the card company charged me over {$200.00} in fees. I called them several times to work out the fees since I am in Florida and keep going through natural disasters. Now they say I owe {$540.00}. I am willing to settle for the amount I used only and not the crazy fees. I will pay {$280.00} to satisfy the account with them but no more than that.
Product: Credit reporting or other personal consumer reports

A week ago I reached out to XXXX after speaking with a representative from XXXX XXXX. There is an open credit card under US Bank on my account. This was opened XX/XX/XXXX. I was born in XXXX. Also the state this account was opened also said I had an addresses there, I have never lived there or opened a XXXX XXXX XXXX XXXX  for XXXX XXXX There is a balance of XXXX. I reached out to XXXX and I filed a dispute explaining I am not sure where this account came from. This morning they determined this was my account. I reached out to consumer attorneys after I received the results. I tried to call the US Bank number and the calls says this number is no longer in service. I did not open this account it also says the last payment was in XXXX which I never paid to this account. I am not sure where it came from and would just like it to be removed and make sure my credit is not negatively affected. 

Thank you.
Product: Debt collection

NAVY FEDERAL CREDIT UNION XXXX XXXX XXXX Based on my review of my credit file, I have observed that Navy Federal has placed a collection on my account. I request that this file be promptly removed from my credit record. 
















XX/XX/XXXX XXXX account. {$1000.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$1000.00} XX/XX/XXXX 0 % {$1000.00}
Product: Debt collection

I am disputing the collection account with PRESTIGE FINANCIAL SVC, account number XXXX, with a balance of {$2900.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that PRESTIGE FINANCIAL SVC, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX  Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX/XXXX   Inquiry from XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Customer Service Rep did not try to help me resolve my issues and get the negative reporting inaccurate item removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I have tried to dispute inaccurate personal information on my report. I tried calling and I keep getting the automated system that dont give you an option to speak with a representative and then hangs up on you. This is a hinder to my credit and due to these inaccuracies it creates an identity issue if I wanted to apply for credit.
Product: Debt collection

I am currently in Chapter  XXXX  Bankruptcy repayment, so I am not required to make payments on my student loan. My loan is serviced by  Educational Credit Management Corporation  ( ecmc.org, ECMC ). I can, however, make voluntary repayments, which I have been doing for a number of months in order to avoid interested being capitalized back into the principal of my loan.     On the  ECMC  website, when you select to make a voluntary payment it tells you how much interest per day is due on your loan account.  One  can not decide to pay one loan or other, a single payment for your account with ECMC must be made. What is not made clear is that this amount is  PER  loan. This is very misleading and led to me not making the correct payment ; I was underpaying by 50 % when I thought I was paying the correct amount to avoid interest capitalization.      One  must look elsewhere on their website ( and really dig to find it ) in order to discover that the amount on the voluntary payment page - where most people are looking for this information so that they can make the right payment - is in fact PER loan, not a total amount for your entire account with ECMC.
Product: Credit reporting or other personal consumer reports

Details of the Complaint : I am filing this complaint due to unauthorized inquiries that have appeared on my Equifax credit report. These inquiries were not initiated by me, and I believe they may be the result of the XXXX  Equifax data breach, during which my personal information was compromised. 

Despite contacting Equifax to dispute these entries, they have not been removed, and I have not received a satisfactory resolution. The unauthorized inquiries include XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX via Dealer - Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Office XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries are negatively impacting my credit score and overall creditworthiness. As per the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I have the right to dispute inaccurate information on my credit report. Equifax is required to conduct a reasonable investigation under 15 U.S.C. 1681i and remove any unverifiable or inaccurate information. I have taken the following steps to address the issue : Submitted a dispute letter to Equifax detailing the unauthorized inquiries.

Filed an identity theft report with the Federal Trade Commission ( FTC ).

Included supporting documentation such as my driver 's license, Social Security card, and utility bill to verify my identity.

Despite my efforts, Equifax has not taken appropriate action to resolve the dispute. I request the CFPB 's assistance in ensuring that Equifax complies with federal law, removes unauthorized inquiries from my credit report, and provides written confirmation of their removal.

Attachments : Personal Statement to the Federal Trade Commission ( FTC ) Affidavit of Events FTC Identity Theft Report Dispute Letter to Equifax Supporting documents : driver 's license, Social Security card, and utility bill Resolution Requested : I would like the unauthorized inquiries to be removed from my credit report immediately. Additionally, I request confirmation from Equifax that the issue has been resolved. If Equifax fails to act, I will pursue further legal action to protect my rights.
Product: Debt collection

I received a call from a woman who claimed to be with Delta Management Associates. She was very rude and was unable to verify the debt. 
The agent was unable to provide me with any information, refused to mail me any information and refused to provide me with a mailing address for Delta Management Associates. The agent demanded i provide sensitive personal information like my full SSN even though she stated she already verified the account with the last 4 of my SSN. I got worried so i hung up and called the number back. 

I was connected with a male who stated he was able to verify my account. When i asked him about the debt i was informed it is from XXXX XXXX XXXX XXXX XXXX. 
I have never heard of XXXX  XXXX XXXX  XXXX XXXX, or of Delta Management Associates. i asked for documents to verify the debt and the individual told me they don't have the documents, they only have an amount and a name. 

I never signed up for any of this and it should be considered fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

INACCURATE INFORMATION REPORTING ON MY CREDIT.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX  EST I received an email notifying me of a fraudulent money order transaction charged and processed on my debit card for the amount of {$450.00}. 
Upon inspection, it was made by the company Xoom.com by XXXX. I called to report that this was not me. I do not have a Xoom account. I wanted to know when, where, and how this transaction went through, but the company states they can not give me the information. All they offered was to debate the transaction. I agreed and asked them to send me an email or paper stating that I have a case # so I could follow up the scam. They refused to send me any kind of follow up email, but I recorded the call as proof and for my protection. I have tried reaching them through social media as well to have my case given the proper attention it deserves. I have had my bank notified of the fraudulent activity as well. 
All Xoom customer service stated was that they will restrict the recipient of the money order from further using their company but that does not return or guarantee my stolen money back. I asked for advice from a family friend police but havent reported it yet.