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

To whom it may concern, I have been in an ongoing battle with Transunion as they refuse to properly investigate and remove a bankruptcy that does not belong to me. This has been going on since XXXX of 2021. They continually produce a generic response date XX/XX/2021. I sent a verification letter in XXXX of 2021 asking how the bankruptcy was verified and Transunion stated that it was verified by XXXX XXXX which is a third party and the MD state bankruptcy court. I reached out two both parties who sent letters stating that they did not verify any bankruptcies with Transunion nor do they have a bankruptcy listed as mine. I have sent these letters to TransUnion countless times and they refuse to properly investigate and remove this fraudulent bankruptcy from my report. I am devastated that the CFPB has allowed them to get away with this behavior for almost a year as I have continually reported Transunion and nothing has been done. Not only has this hurt my credit but my character as well as I have trouble getting approved for things. Please ensure that a proper investigation is done.
Product: Credit reporting or other personal consumer reports

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 ( A ) SECTION ( 2 ) : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # 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 ( premier bkcrd first premier ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative : I am writing to file a formal complaint regarding what I believe to be an unauthorized and potentially illegal access to my private data. I am concerned about the actions of the Department of Government Efficiency ( DOGE ) in accessing my personal information through the Department of Education without my consent.

Details of Complaint I recently discovered that DOGE has accessed my private information that was held by the Department of Education.

This access occurred without my knowledge or consent.

I believe this constitutes a violation of my privacy rights under applicable federal laws, including but not limited to the Privacy Act of 1974 and the Family Educational Rights and Privacy Act ( FERPA ) if educational records were involved. 

Impact This unauthorized access to my personal data has caused me significant distress and concern regarding : - The security of my personal information- The potential for misuse of my data - My rights to control access to my private information Requested Resolution I am requesting that the CFPB : - Investigate this matter to determine if federal privacy laws have been violated- Require DOGE to disclose exactly what information was accessed and for what purpose - Ensure that any improperly accessed data is deleted from DOGE systems - Take appropriate enforcement action if violations of law are found - Provide me with a complete accounting of what data was accessed and how it has been used - Remove any student loans associated with this privacy violation from my credit report, as they have been improperly handled and reported due to these unauthorized data access practices I understand that the CFPB may need to share this complaint with other federal agencies or the subjects of the complaint in order to address these issues properly.

Thank you for your attention to this serious matter. I look forward to your response and assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I submitted a written request for the two CRAs to 1 ) update the XXXX maintained by both Equifax and XXXX to delete derogatory items that are 7 or more years out of date & 2 ) provide a copy of the corrected " report '' ASAP. The written request included substantial documentation to establish the bone fide authorization including old versions of each CRA 's consumer credit report ; the XXXX result from XXXX CRA who already did it after a request was filed ; a certified copy of my Driver License Abstract ( because it is public information ) including the citation from Washington State law ( RCW 46.20.035 ) which establishes " a driver 's license .. is valid for identification purposes. '' However, I refuse to provide these private corporations with my social security number because it is NOT public information & they have no right to demand it from a consumer ; i.e., Social Security Administration publications state that providing it to non-governmental entity is voluntary. 

There has been no response & more than 30 days have passed. I stated in the letter all contact is to be written.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 14th attempt to notify you that I am a victim of identity theft and I SEND a COMPLAINT to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft.These items are unknown to me. Also, the information provided on some items are DELETED from other bureaus and I have doubts about CREDIT BUREAUS ' accuracy and the reported payment history on some items is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) these items below must be deleted from my report : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$630.00}
Product: Debt collection

( 1 ) XX/XX/2024, {$620.00} 15 U.S.C 1692 e ( 4 ) All illegal in the collection of any debts. This is similar to the 4 amendments Title 31 U.S.C.sec 3123 ,18 U, S.C sec.8 defines obligation, Title 18 U.S.C.sec.8 , Title 31 U.S.C 5108 defines Legal Tender.

Vision 2 Affidavit, Notice It is a fact affiant is ware, this threat of repossession or collection, That I the affiant has of proof of IN EXHIBIT ( 1 ) is a violation of 15 U, S. code $ 1692e ( 4 ) and is fraud and illegal in the collection of any debts this is a right secured to me by these codes herein and the 4 amendments of the XXXX XXXX
Product: Debt collection

I had an accident and was transported to a hospital by  XXXX   XXXX    XXXX   XXXX   on  XXXX / XXXX /  XXXX   They are located at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   .   XXXX   XXXX   XXXX  CA.  XXXX  Phone  XXXX .      XXXX   XXXX  sent me a bill for {$2500.00} and I gave them my  Health Insurance information (  XXXX    XXXX   ).   XXXX   XXXX  paid them the contracted amount of {$2000.00}.     Since they had a contract with  XXXX   XXXX  they have agreed to accept that amount for their service. I do not owe them the difference.     They sent me a bill saying I owed the difference. I called them with  XXXX   XXXX  on the phone and  XXXX   XXXX  confirmed that I did not owe them anything because they had been paid the contractual amount.     They sent me another bill, I conference called  XXXX   XXXX  again and we told them the same thing.     Now they have sent the account to collections.     I called them AGAIN and told them I do not owe them.  XXXX   XXXX  faxed them an explanation of benefits to prove this.     I am still receiving collection calls and letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently while conducting a monitor of my credit report I discovered that XXXX  XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware there is a debt from XXXX  XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX  XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization. 
1. Please provide a breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical information to you.

3. Cease any credit bureau reporting until the debt has been validated by me.

4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request for debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency
Product: Credit card or prepaid card

Juniper, a branch of Barclay, refused to unlock my online account because i did not have a copy of my physical credit card. My account became locked because, while logging in to make my timely monthly payment, i forgot my password and when i attempted to reset it i was expected to know my account number which is not printed on my statement. I called and explained that i have destroyed my card so that i do not use it and i asked them not to send me a new card because it could be intercepted in the mail. I have an ex husband that has stolen peoples identities in the past. They told me i can not make online payments any longer and that i can call every month to make my payment because i will not allow them to send me a new card and without a card i can not get my online access password reset. For the remaining time i have a balance with them, i can not check my balance or transactions online. 

Customer service and the customer services member 's supervisor and the escalation manager all stated that it is their policy that i have to have a card. I explained that there are a number of ways to verify my identity in a secure fashion and DEMANDING i have a physical card to reset my online password is ridiculous. I said they could send me a piece of mail to my home address, i said you could text me a new password or email me a new password, however, they insist that i will now always have to make my payments and check my transactions by phone or by paper. 

i said it is standard, in XX/XX/XXXX, for companies to have online systems customers use and they are blocking me from having standard access because i will not allow them to send me a new card, however, they said it is their policy and there is nothing they can do about it. I have been making payments and not using my card for probably 2 years and i believe i have not been late, however, none of this mattered ; they insist i allow them to send me a new card. 

i believe this policy exists to entice people into ensuring that people like myself who are trying to get out of credit card debt have copies of their cards so that they are more likely to use them. I am sure statistically people who have a card in their wallet are more likely to use credit services than if they do not have a card. I also believe this is a way they are attempting to earn late fees from an individual that is trying to get away from their company by making it difficult, and non standard, for people to make payments. 

I locked myself out of my account last week XX/XX/XXXX to around XX/XX/XXXX. i wanted to see if i had already made my XX/XX/XXXX payment or not when my online account became locked.
Product: Debt collection

A company call Sunrise Credit has placed a collection item on my XXXX   credit report. They can not provide a signed document showing proof or where this debt originated from. It is not my debt and I have no knowledge of this. They attempted to send me emails asking me to login to a website and verify my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX dated XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax and XXXX have not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX and XXXX XXXX  XXXX. I believe it was reporting in error.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you cease all collection efforts regarding the account referenced above. This is a Cease and Desist Letter under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c, which prohibits debt collectors from continuing to contact a consumer once a Cease and Desist request has been made.

I request that you immediately stop all communication with me regarding this account, including : All phone calls, letters, or other forms of communication.

Any further collection efforts, including reporting this debt to credit bureaus, unless you intend to file a lawsuit ( which, if pursued, must be done through the proper legal channels ). 
Please note the following : Account Details : XXXX I dispute this debt and believe that it is either invalid or incorrectly reported. I have previously disputed this debt with the credit bureaus and will continue to take the necessary steps to ensure that my credit report is accurate. 

If you believe I owe this debt, I request that you prove it with valid documentation. Under the FDCPA, you are required to provide verification of the debt if requested, and I expect this verification before any further actions are taken. 

If you fail to comply with this request, I will be forced to consider further actions, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. 

Additionally, I reserve the right to pursue legal action if your continued collection efforts violate my rights. 

Thank you for your prompt attention to this matter. I expect a written response confirming that all collection efforts have ceased. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I have paid the entire balance of a credit card, and the payment is cleared through the bank. The cash is already sent to the credit card company from the bank. The payment is being withheld from my available balance and there is a woman who has contacted the credit card company saying she has the authority to make decisions for my accounts, stating that the card should not be allowed to be used. The entire balance is paid with no withheld money from the form of payment to the credit card payment processing center. I have never had an issue with payments, and my available balance is normally for use the day of my payments. The person withholding the available balance is an XXXX XXXX XXXX XXXX. The bank has been abusing me and I have been a victim XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I'm not sure when account was closed. I'm still being charged interest as well.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, I, XXXX XXXX am a consumer and natural person fully aware of my rights protected by The Congress under the Fair Credit Reporting Act ( FCRA ). I write to bring attention to the violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 by the accounts listed below. LIST OUT INACCURATE ACCOUNTS HERE The provisions of 15 U.S.C 1681 Section 602 A guarantee my right to privacy. Furthermore, 15 U.S.C 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions. I request the immediate deletion of this account, unless you wish to be held liable for {$XXXX} per violation. I expect that this matter will be addressed promptly and that the necessary actions will be taken to rectify the inaccuracies in my credit. Ive attached the inaccurate account below.
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.

Account name/Account # * Merchants & Medical credit ( Account # XXXX ) * XXXX XXXX ( Account # XXXX ) * XXXX XXXX XXXX ( Account # XXXX ) * XXXX  XXXX Bankruptcy ( Ref # XXXX ) XXXX XXXX XXXX XXXX XXXX  * XXXX XXXX XXXX XXXX XXXX Account # XXXX ) * XXXX ( XXXX ) ( Account # XXXX ) * XXXX XXXX XXXX, XXXX ( Account # XXXX XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) * XXXX XXXX XXXX  ( Account # XXXX ) * Department of Education/ XXXX ( Account # XXXX XXXX XXXX XXXX XXXX XXXX ( Account # 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 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

My XXXX account number XXXX credit reporting on the credit reporting bureas, XXXX, Experian and XXXX are showing a late payment for XXXX XXXX and this is incorrect. This account has had no late payments. The payment was posted late in error by company XXXX. Payment crossed with XXXX and XXXX payment. I spoke with a XXXX representative and representative agreed payment was not late. I was told my credit report will be updated to pay as agreed with no late payments to all three credit bureaus. 

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

XXXX continues to report fraudulent account information on my credit report and refuses to actually verify the information. They will not provide any physical evidence of a actual investigation and they will not accept any documents proving these accounts do not belong to me thats over XXXX, basically any documents on a standard piece of paper would be, under their guidelines too large for them to accept! This is absolutely crazy! This has been going on for 3 years, the stress and damage they have caused is mind numbing.
Product: Credit card or prepaid card

My credit card with Bank of America ( referred to as bank ) was lost and I reported promptly to bank. Accordingly bank declined all transactions including valid recurring ones made by me between XX/XX/2017 and XX/XX/2017. But since they declined my valid recurring ones I had to go back and pay the merchants using other payment methods. 

XXXX XXXX XXXXBILL PAYMENT XXXX TX XXXX XXXX*BILL PAYMENT XXXX TX XXXX XXXX XXXX XXXX FL XXXX XXXX  XXXX GA XXXX XXXX  GA XXXX TX XXXX XXXX *XXXX XXXX  XXXX CO XXXX XXXX, XXXX XXXX IA XXXX XXXX  XXXX XXXX XXXX GA XXXX XXXX XXXX  XXXX FL XXXX Grand Total XXXX Later bank recharged my credit card account for all charges including recurring ones. Now I have been double dipped. I paid the merchants and got charged by bank. Now bank is refusing to credit double dipped recurring charges. 


I need bank to credit {$1100.00} to my credit card ASAP.
Product: Vehicle loan or lease

Prestige Financial scammed me. I had a 7 year pay out on my car. I'm going on 8 years and they are still saying I own XXXX today on this car. I have paid all additional fees and they're still XXXX money out of me. I called several times and they don't listen. Rude as ever. They would call, text, and email me at the same time. They have threaten me. I have return check fees I never authorize. Late fees when my payments are on time. This company has scammed me like crazy. I really need legal help. They make up bogus lies. I have paid close to XXXX on a XXXX car. They will not send me my title for a car I've paid off already. It needs to be a class action lawsuit filed against them. The only reason I keep paying is because my credit will go bad if I don't. Please help. I have been living in XXXX for 8 years. My bills get behind because this place is adding more interest in fees by the day. I'm not even suppose to have interest anymore my pay out was paid 7 years ago. It's year 8. When I tell the customer reps, it's wrong how they are doing me, they say well if your credit wasn't bad at the time you would have a better loan. This is crazy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called old navy and they removed my name as an authorized user. I never gave anyone permission to add me and I want this removed from my credit report