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

XXXX, EXPERIAN, and XXXX XXXX XXXX are in violation of my consumer rights by improperly and unlawfully reporting missed payments my consumer report. This is a violation of my privacy pursuant to 15 USC 6801. Per the consumer agreement on file with XXXX XXXXXXXX XXXX  they will not share my information with third party companies. XXXX and EXPERIAN are by law third party companies in relation to XXXX XXXX XXXX How did XXXX and EXPERIAN verify this information if XXXX XXXX XXXX  doesn't share information with third parties? 
15 U.S. Code 6801 - Protection of nonpublic personal information U.S. Code ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

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. 
16 CFR 313.7 ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. 

Both laws outline that my rights are being violated due to me never given the right to opt out of my payment information being reported which is my private information that should have never been shared in the first place. Also pursuant to 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report it is illegal to report transaction history ; 15 USC 1681b ( 2 ) I have never given written instruction to do so. Pursuant to 15 U.S. Code 6805- Enforcement the CFPB needs to enforce these laws which protect my privacy as a consumer. 
Furthermore, the Privacy ACT of 1974 clearly states that my privacy rights are being violated.
Product: Debt collection

Paid both of my debt/collection requesting to deletetion 3 credit bureau thank you.
Product: Credit reporting

TransUnion customer service is useless - could not get a human on the call. 
Based on XXXX XXXX - the following Creditor was paid in full close to 1 year ago. 
TransUnion is still reflecting this on my credit report. My new employer will be doing a background check and I need this fixed ASAP! 
Dispute Account : XXXX {$34000.00} {$35000.00} ( XXXX % utilization ) TransUnion
Product: Consumer Loan

I 've made 24 payments of {$490.00} to my auto loan. As of today only {$430.00} has been applied to the principle.
Product: Checking or savings account

I deposited a check that I got from my attorney and the lady at the desk as I deposited the check said partial payment will be available the next day and the other 4 days later after depositing the check I then get a message saying they holding my check which the funds are available. My bank is Bank of America my name XXXX XXXX ss # XXXX
Product: Payday loan, title loan, or personal loan

Non full disclosure, predatory lending and financial fraud, double in social security account dipping. Name of company XXXX XXXX.
Product: Credit reporting or other personal consumer reports

accordance with the fair credit reporting act account oriental bank XXXX has violate my rights 15 u.s 1681 secction 602 a.states i hace the rights to privacy 15 u.s.c 1681 section 2 : it also States a costumer reporting agency can not furnisha account whiout my written instruccions.
Product: Credit reporting or other personal consumer reports

After reviewing my submission I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is grounds for removal. 


They also violated my rights under 15 U.S.C 1681 Section 602A. 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 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more tan {$1000.00} ; 15 U.S.C 1681 Section 603 ( 3 ) ( E ) States ; The term investigation consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with other with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


15 U.S.C 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

My student loan with AidVantage is still showing as current as of XX/XX/XXXX My account with AidVantage was closed and moved to XXXX as of XX/XX/ ; however my credit report reflects that I have a student with both AidVantage and XXXX. I ONLY ( not screaming ) have a federal student loan with XXXX! Please have this matter resolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, as reported to XXXX XXXX XXXX XXXX XXXX, as reported to TransUnion XXXX manifest clear violations of significant laws and regulations. These violations are not speculative but firmly grounded in established legal frameworks. 

Firstly, 15 USC 1681a mandates accurate consumer information reporting. In this context, the reported accounts fall short, constituting a breach. Additionally, the absence of a clear and conspicuous opt-out mechanism, as required by 16 CFR 313, signifies non-compliance, reinforcing the violation claim.

Moreover, 15 USC 6802 and 15 USC 6803 are transgressed, as evident in the absence of clear consent for information sharing, a direct infringement on privacy standards. The violation of 15 USC 1681b points to a failure to adhere to permissible purpose requirements.

IRS Pub 4681 and 5 USC 5528 violations are evident, as the discharged debt is not reported as income, contravening tax and disclosure obligations. These violations encompass the illegal reporting of transactions and sharing consumer non-public information with non-affiliates, actions explicitly deemed unlawful.

The robust foundation for these claims rests on the Fair Credit Reporting Act ( 15 USC 1681a, 15 USC 1681b ), Code of Federal Regulations ( 16 CFR 313 ), and other pertinent statutes ( 15 USC 6802, 15 USC 6803, IRS Pub 4681, and 5 USC 5528 ). The factual assertion of these violations calls for immediate corrective action, including account rectification and compliance with the stipulated laws. Failure to address these violations may result in legal consequences, as substantiated by the existing legal frameworks.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had XXXX to XXXX late payments on accounts that I was never late for. The 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 these accounts, so I have included screenshots inside this complaint. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I am demanding these payments be updated to paid as agreed on time, as well as updated in the monthly account history, because I was never late. 

Thank you! Please see the screenshots attached.
Product: Debt collection

I receive multiple phone calls from Navient regarding a student loan that I do not have, I have sent certified letters with tracking requesting validation of the debt or to be removed from all contact lists and they have ignored my letters and continue to call me, I have also called them using one of the phone numbers they call me from ( XXXX ) and they are not able to validate any loan with either my name or phone number.
Product: Checking or savings account

Someone cloned my card and got my PIN number and made purchases and with cash with draws. And XXXX transfers. This happened in XX/XX/year> and I have still not been able to get my money back. 
The bank keeps saying the card was in my possession is why they will not give their CEO money back I have a credit card with the same bank and they retuned the money as it was cloned at the same time. 
Why cant you do to help me solve this issues? 

If Citibank can give their CEO a big pay raise they should be able to give my money back
Product: Credit card

I have previously requested that synchrony bank only contact me vial mail and or email. I requested that they make no phone calls to my cell phone number under no circumstance. I contact synchrony bank regard our credit card balance that is one payment past due and advised them we are gathering all information and will be receiving a consolidation loan. 3-5 days later I then received a phone call to my cell phone twice in one day ( after I previously requested no calls to my cell phone at all ) which I believe falls in a UDAP/FDCPA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account NAME/ Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate XXXX But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

I checked my credit and saw an account from OPTIMUM OUTCOMES INC for XXXX XXXX XXXX. 

I have been in XXXX XXXX  since XX/XX/2016, and was just XXXX one week ago. I have never received any correspondence about this bill, how to dispute it, or any info about financial assistance to pay it.
Product: Checking or savings account

Bank of America is holding my work check which I 've deposited multiple times before. They wo n't make my funds available for 2 weeks. They 've caused me to go overdraft on bills that I need to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I pulled my credit report for annually check, it appears my information was used to obtain XXXX credit card without my consent. 
Therefore, reporting any invalidated information to major credit bureaus may constitute defamation of character. Non-compliance with this request may land your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies.
Product: Checking or savings account

Multiple dates and times since Ive opened the account with Wells Fargo. Ive turned my atm card off to prevent it being used and the bank still allowed payment to go through and charged me an overdraft fee multiple times.
Product: Checking or savings account

I, XXXX XXXX XXXX swear that this statement is true and correct. Im a XXXX XXXX and need my money back. I had a total of XXXX unauthorized transactions made from my Chime Checking account that I did not authorize, nor did I authorize another person ( s ) to use my chime bank account nor my debit card. My checking account number is : XXXX. My visa debit card number was : XXXX ( card is canceled ). I still have my canceled visa debit card in my possession. I lost my phone a little over a month ago and have not had access to chimes mobile app. There have been several fraudulent charges that was deducted from my chime checking account that started on XX/XX/XXXX and ended on XX/XX/2023 ( XXXX of those charges is still pending ). I believe that all charges ( purchases ) were made online ( to the best of my knowledge ). I have no idea as to the person ( s ) that made any of these transactions. I did NOT AUTHORIZE any of the transactions that are listed below. Most transactions can from a company called XXXX XXXX. I reported unauthorized transactions to chime but they denied my claim.
Product: Checking or savings account

I send a letter to Citibank ( Citibank retail service operations Attention : XXXX Mailroom XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX ) on XX/XX/XXXX request a refund of {$48.00} of the monthly balance fee that they charged that they were not supposed to. My checking account was charged for monthly service for XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, XXXX despite that I had a balance of over {$1500.00} in my combined checking and saving account. Citibank did not combine my savings and checking accounts together for these months even though Citibank combined my savings and checking accounts before and after these months. This is a mistake on Citibanks behalf. I closed my accounts because I was recently scammed which caused me to look through all my balances. Please refund it to my new Citibank account.
Product: Checking or savings account

Received 7 letters by mail from Chase bank ( one for each of the accounts I had with them ) informing me they have made a decision to close all of my accounts " because of unexpected activity on this or another Chase account ''. I called to inquire as to why as I was shocked to receive such correspondence as I've never even had a fraud alert with them. All 5 of the representatives spoken to could not provide me a reason as to WHY they were shutting down my accounts, which also included a checking account, 3 savings accounts, a debit card, a credit card, a traditional retirement account and a ROTH retirement account. Total assets {$160000.00}. I even went into my local Chase bank and no one could give me an explanation. I have always kept my accounts current, paid my credit cards on time, ( I've never been reported as late to the credit bureaus ) and have never filed any fraud charges with Chase. I have been a customer in good standing for over 20 years. They also closed my kids ' accounts who are all tied to my account. Finally spoke to financial services who advised me that Chase " does this all the time, as they sweep accounts and report them as SARS as they receive incentive bonuses from the government and they target small accounts because they don't really want to manage them anyway and only want large, corporate accounts ''. I feel I am the victim of discrimination. I want an investigation opened immediately and am ready to file legal charges against Chase.
Product: Debt collection

On or about the month XXXX I became aware of an alleged outstanding debt for XXXX XXXX Visa card. I was contacted by Vance & Huffman ( a third party collection agency ) and was harassed for an outstanding balance of {$2400.00} I had completely been unaware of. 

Vance and Huffman , LLC contacted me with a unfriendly tone demanding I pay the above balance, again, I have never made any application for credit with or opened any account with XXXX XXXX XXXX Visa or XXXX XXXX bank at any time. 

I have filed a police report and am willing to prosecute the perpetrator who has used my identity which resulted in the credit card debt from XXXX XXXX Visa card.
Product: Debt collection

Per my credit report, XX/XX/XXXX This collection was placed on behalf of my former employer XXXX XXXX for XXXX XXXX XXXX at XXXX XXXX XXXX 

However this was supposed to come out of my pay checks. I have attached a pay check stub for XX/XX/XXXX where I had paid a total of {$100.00} YTD ( Year to Date ) for " Lodging '' and {$220.00} for Student Loan per my signed contract. However on XX/XX/XXXX my YTD resets to {$75.00} for Student loan and {$25.00} for lodging. XX/XX/XXXX it ads the {$25.00} and {$75.00} again for $ XXXX/XXXX Why? I have no Idea I just worked for them. So far I am missing {$320.00} credit that I paid towards the loan. On XX/XX/XXXX My {$50.00} and {$150.00} disappear again! now I am missing {$520.00} that was deducted from my check and they also did not deduct the student loan per contract. same thing happens on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX then on XX/XX/XXXX I had another {$75.00} for students loan removed, and {$23.00} and my year to date starts all over again. 

You can also see now Tuition Rebate where they give me back {$37.00} Fast forward, XX/XX/XXXX I get a check for {$8.00}, they take out {$44.00} for student loan and rebate me my full rebate to get some of the money back. Proving that even when you didn't make enough XXXX made sure they got their money. 

XX/XX/XXXX shows it more as they take out twice as much for lodging because prior check didn't cover it. 

XX/XX/XXXX they take out {$37.00} and paid me back {$37.00} this is also a {$0.00} pay check. 
XX/XX/XXXX they take out {$37.00} and paid me back {$37.00} this is also a {$0.00} pay check. 
XX/XX/XXXX I get {$50.00} taken out. 
XX/XX/XXXX I am paid {$32.00} Net pay and no student loan deducted, no rebate XX/XX/XXXX I get {$16.00} Net pay check no student loan removed, no rebate XX/XX/XXXX I get {$29.00} Net pay check again no loan removed. 

XX/XX/XXXX I get {$24.00} Net pay check again no loan removed. 
XX/XX/XXXX, XX/XX/XXXX or on my Final check of {$330.00} I also had no loan removed. 

Why? Because the loan according to pay roll was paid in full. This collection effecting my XXXX  credit score that I have been asking for almost 3 years to be deleted. 
I see this as fraud, I had also received harassing phone calls back in XXXX that they was going to take my drivers license away which is illegal. This has effected me from getting a mortgage, made me pay 2 % more on a car loan.
Product: Debt collection

In 2013 a man named XXXX XXXX opened up multiple personal loans with XXXX, XXXX XXXX, XXXX XXXX and used my Citi Card and gained personal access to funds using my name. I later found out and filed a police report ( Which I still have ) AND Sued him out of court. This has STILL messed up my credit report. I make over {$150000.00} per year with a w2 and a great job. This is ruining my chance at buying a house, etc. All I want is for these " closed account '' to be removed from my credit report.
Product: Debt collection

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX Account number XXXX Recent balance {$380.00} as of XX/XX/2018 This bill should have been paid by insurance and I have never received any correspondence from company. I have written them to try to resolve, but they have not responded. I will pay the entire amount if company agrees to remove all negative information from all credit reporting agencies permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an response from Equifax about a prior CPFB complaint. And their response did not solve any issues I am having on my credit report. Their response stated that I have not applied for credit, I have not used my credit in the last 10 years or I haven't been issued a Social Security card.This is another stall tactic that equifax is using to not remove the inaccurate information on my credit report. The incorrect items on my credit report is an account from XXXX XXXX XXXX in which they stated was verified but never sent anything to me stating what they used to verify it was accurate. Also an account name XXXX Bank that i have disputed several times. They also have incorrect addresses on my account. Equifax still haven't sent anything to me anything verifying these accounts. Also how come their response to my previous CFPB complaint they stated they cant find a report on me or because I haven't used my credit in the last 10 years, but can state these accounts were verified on my credit report with them?