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

In accordance with the Fair Credit Reporting act. The List of accounts below has 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, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 XXXXXXXX, XXXX XXXX XXXX XXXX, has violated my rights 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 XXXX 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

In accordance with the Fair credit reporting act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX All have 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. 


XXXX XXXX XXXX Open balance {$900.00} Date opened- XX/XX/XXXX XXXX XXXX XXXX, XXXX FL XXXX phone XXXX XXXX XXXX XXXX XXXX XXXX {$750.00} Date opened- XX/XX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Utah XXXX XXXX XXXXXXXX XXXX XXXX- Open balance {$450.00} Date opened- XX/XX/XXXX XXXX XXXX XXXX, XXXX, Va XXXX XXXX XXXX XXXXXXXX XXXX- open balance {$330.00} Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Nevada XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized credit inquiry on my credit report. I contacted the company and they told me they could not remove it and to contact Equifax. I contacted Equifax and they have not removed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Payment plan set up with consumer in XXXX. 
Payments automatically withdrawn from my bank account for agreed amount. 
Each month the company was reporting my account as delinquent on my credit report. 
When I asked for it to be removed they said no l, that I agreed to a payment plan but the account was delinquent still which defeats the purpose of a payment plan. When I asked for a copy of our conversation of me agreeing to a payment plan which still held my account delinquent ( which no one would agree to ) they refused to send the transcript of the recorded conversation. 
When asked to speak to a supervisor I was told that was not possible and thats they do not have any way to remove anything that went on a credit report. Even though I was making payments and the account was still being flagged as delinquent but they never called, emailed, sent a letter, nothing to tell me the account even with a payment is still delinquent. I dont know how and account is delinquent if a payment is being made.
Product: Debt collection

AS I STATED PREVIOUSLY UNDER WHAT INFORMATION I WAS TRYING TO GATHER THIS MORNING BECAUSE I RECEIVED A ROBOCALL TELLING ME MY PERSONAL INFORMATION, AND THIS IS A ATTEMPT TO COLLECT A DEBT. 

I FOLLOWED IT UP WITH A CALL, AND AFTER THIS RUDE, FOUL MOUTH, AND XXXX INDIVIDUAL SAID XXXX YOU GON NA PAY TODAY, WHICH REALL RILED ME UP WHO SAID I GON NA PUT XXXX TO XXXX XXXX DOLLARS OF DEBT ON YOUR CREDIT REPORTS, AND XXXX IT UP FROM XXXX TO ELBOW. 

I WORKED TOO HARD TO BOOST MY CREDIT SCORE, ELIMINATED THOUSANDS OF DOLLARS OF DEBT INCLUDING XXXX  LOANS TO BE HARASSED AND PESTERED BY XXXX  WITH THEIR IDLE THREATS, AND FOUL MOUTHED LANGUAGE.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute this item on my credit report that have infringed upon my federally protected consumer rights to privacy and confidentiality, as guaranteed by 15 USC 1681 of the Fair Credit Reporting Act ( FCRA ).

The following account listed on my credit report have violated my rights : XXXX XXXX XXXXXXXX According to 15 USC 1681b, consumer reporting agencies may only furnish consumer reports under certain circumstances. The unauthorized disclosure of my personal information to these entities constitutes a breach of confidentiality and an infringement upon my right to privacy.

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: Payday loan, title loan, or personal loan

I had paid my loan off in full and they are saying I paid it late or didnt pay it at all when I paid on time and in full completion.
Product: Bank account or service

I went to Regions Bank on XXXX XXXX 2016, to make a deposit from the sale of my XXXX and my tax refund check. I prepared my deposit slip at home and drove to the bank drive up window. They were extremely busy and the teller, XXXX, was working the drive up window plus XXXX additions drive up lanes that were serviced by tubes. The teller took my money and counted it, I also counted it with her through the window. After a little while she go up and took my money away from the window and out of my view. She later returned and said {$1000.00} was missing. I informed her it was all there, I counted it at home plus I had counted it while watching her count in through the driveup window. The manager, XXXX came over and said she would count XXXX money drawer for the missing money. I watched as the money drawer was counted and afterwards told XXXX the money disappeared when teller XXXX left the drive up window area and my field of view. Manager XXXX gave me a business card with a Region 's investigators name XXXX on it and said he would call me on Monday XXXX XXXX. XXXX gave me my deposit ticket showing my {$6700.00} deposit back to me with the bank stamping on the back side of it. 
It is now one month later and no one from Regions Bank has called and talked to me. I have called Regions corporate headquarters multiple times trying to get a answer to my deposit incident on XXXX XXXX without success. I did receive a letter last week from XXXX to call him to resolve the problem. I have called him twice but he was not in and I have left messages but he has not called me back. 
I have been a Regions customer for approximately 40 years and have never had this problem from them. I am seeking your assistance for my {$1000.00} that Regions misplaced/lost.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax regarding unresolved inaccuracies on my credit report. Despite multiple disputes, the items listed below have been repeatedly verified without proper evidence, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. 

XXXX XXXX XXXX I NEVER LIVED AT THAT ADDRESS, I HAVE NO KNOWLEDGE OF THAT ACCOUNT. THE ADDRESS ATTACHED TO THAT ACCOUNT IS NOT MINE. MY ADDRESS IS XXXX XXXX XXXX, XXXX, MD, XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX XXXX XXXX charged me {$110.00} for a membership renewal twice ( XXXX for mine, XXXX for my husband ) so XXXX separates transactions of {$110.00} totaling {$230.00}. On their policy states that a refund can be requested within a certain amount of time from the renewal date and I submitted a request for cancellation and refund within those days. XXXX accepted my request and issued refund for both transactions and sent separate emails with different confirmation for both refunds. 

I received credit for XXXX on my american express card but not the other. XXXX states both refunds were processed and American Express says XXXX was issued and the other one they have a confirmation but not a refund. I disputed this charge for a few months and American Express says nothing they can do. XXXX states refunds were issued to american express. So I was charged from Amex with a late fee and interest on this charge while they told me that I wasn't going to be penalized while the dispute is under investigation. Yet I was charged, as they state that my dispute was closed on XX/XX/XXXX while unresolved and I didnt receive notifications. Meanwhile, I have an email on XX/XX/XXXX that my dispute was resubmitted and that I wasnt going to be penalized until it was resolved. 

I had to pay the charge to AMEX and close my accounts. Meanwhile I didnt receive my money back and I did not receive services from XXXX XXXX.
Product: Debt collection

I went to XXXX XXXX Hospital emergency room in XXXX California for an injury in XXXX of 2017. I was covered by Medi-Cal at the time. The hospital billed me anyways. I sent the hospital proof of insurance within 90 days and reported the billing to Medi-Cal. The XXXX office also sent proof of coverage. The hospital sold the debt and the collection agency refuses to remove the negative credit reports and bill from my record. The billing company is CMRE.
Product: Credit reporting or other personal consumer reports

Re : Intent to File Suit Due to Violations of the FCRA, I have previously mailed letters to you, requesting that you delete inaccurate information from my credit file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters have stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of the accounts in question, and delete all unverified accounts, I will file a civil suit in Illinois for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. 

XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 


Delete these unverified accounts immediately.
Product: Credit card

Synchrony Bank sent me a letter on XX/XX/year> that an application for a credit account with LOWE 'S dated XX/XX/year> was denied. I never applied for this credit account. Synchrony Bank sent this letter to an old address. The letter was forwarded to my current address.
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year> ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED A SLEW OF CREDIT INQUIRIES THAT I HAVE NOT AUTHORIZED. IT APPEARS THAT SOMEONE HAS ATTEMPTED TO ACCESS A AUTO LOAN IN MY NAME. I HAVE NOT AUTHORIZED XXXX XXXX, XXXX XXXX XXXX XXXX XXXX AND MORE TO REPORT TO MY PROFILE
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX XXXX XXXX XXXX Account Number : XXXX ( Transunion ),  XXXX XXXX XXXX Account Number : XXXX ( XXXX, XXXX, Transunion ), XXXX XXXX XXXX XXXX /XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX  , XXXX  , Transunion ), XXXX Account Number : XXXX ( XXXX  , Transunion ), XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX , XXXX , Transunion ), XXXX XXXX Account Number : XXXX ( XXXX ), XXXX XXXX XXXX  Account Number : XXXX ( XXXX , XXXX ), XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX  , XXXX  , Trans union ).
Product: Credit reporting or other personal consumer reports

According to federal law, as a consumer I AM ABLE TO OPT OUT OF sharing my nonpublic personal information and XXXX  must give me that option. XXXX failed to do so. XXXX XXXX Credit Card Agreement wasn't clear, concise, or reasonable for me to understand. There is no such law that states anything needs to be reported to anyone. Congress declared that consumer reporting agencies have ASSUMED their roles. 
15 USC 1681 SECTION 602 A. States I have the right to privacy 15 USC 1681 SECTION 604 A SECTION 2. States a consumer reporting agency can not furnish an account without MY WRITTEN INSTRUCTIONS.

15 USC 6801 Protection of non-public personal information States 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 non public information Confidentiality : The legal and ethical duty to keep certain information secret and not disclose it to others without proper authorization. Confidentiality is a fundamental principle in various areas of law, especially consumer transactions. Breach of confidentiality can result in legal consequences and is governed by specific laws and regulations. The obligation to maintain confidentiality is critical to preserving privacy and trust in professional relationships and business transactions. 

Furthermore this account is incomplete, inaccurate, and missing data which further violates the FCRA.
Product: Checking or savings account

XX/XX/23 - {$3800.00} deposit was OK on that same day, a {$1000.00} deposit was recorded but {$2000.00} was supposed to go through, or XXXX $ short. The ATM obviously was having trouble counting unlike the first transaction where the amount was correct and the ATM finished processing quickly, as the ATM was stalling for a long period before concluding the transaction, and noticing the amount was short when it was displayed, I was hoping that it would get recognized later somehow as I didnt want to open the ATM tray again but the machine eventually became jammed. My mother had this same issue for about {$580.00} at a different ATM but with the same bank and somehow she has credit permanently resolved into her account but mine was retracted. I called the bank the next business day ( XX/XX/XXXX ) and they initiated the provisional credit and investigation. Until XX/XX/23 the investigation was concluded in their favor and supposedly sent a mail detailing this. I never received a mail about this, and the credit was rescinded on XX/XX/23.
Product: Money transfer, virtual currency, or money service

l XXXX XXXX XXXX XXXX XXXX  and l opened a wise account online, but l mistakenly entered XXXX as the country of residence, and the account given to me is meant only to receive XXXX currency. 

My salary couldn't get into the account as l am paid in US dollars, l then requested the company to change my account and give me a US wise account so that l will be able to have access to my money. The company requested me to upload my documents for verification of which l have been sending these documents via email and via the app.

This exercise has been happening for two months now and they still haven't resolved my issue, l can't support myself financially because of this setback.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
7. 15 US-CODE 16921 XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
8. 15 US-CODE 16921 XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

I am filing a SECOND complaint about a new ( THIRD ) harassing letter I received from NewRez claiming i did not have HOA insurance ( i do and always have ) in which they threaten to buy me Hazard Insurance and bill me for it. This is very similar to the complaint I filed a few months ago. After sending them MORE copies of my insurance, they closed that old complaint. But just one month later, NewRez mailed me a NEW LETTER dated XX/XX/XXXX  claiming the HOA had expired and they were going to buy me insurance. 

I contacted my lender and confirmed that our coverage had NEVER EXPIRED. It has been renewed and we continue to make payments. They submitted proof ( AGAIN ) of this online to NewRez.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I sent a complaint regarding items on my credit that are not mine. I went to try and get a home loan and was denied. I looked at my credit again and there are items on my credit that are still not mine. I've contacted the FTC and filed with the police. I'm doing this on my own behalf. Please remove XXXX XXXX   XXXX, Dpt of edXXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX  XXXX
Product: Debt collection

I constantly keep receiving texts from someone claiming I owe a debt to this company. I have never received correspondence by mail in order to verify the accuracy of this debt. Some number just constantly texts me. I will not respond to a debt collection text message. Its not safe nor does it protects the privacy of me as a consumer. Once I receive a correspondence by mail, I will then verify the debt before proceeding.
Product: Mortgage

XX/XX/2016 I refinanced my home with Nationstar Mortgage company, and established an escrow account out of which taxes would be paid. In XX/XX/XXXX I received a bill from my county - XXXX , County Va - for my property taxes. I called Nationstar to make sure they would be paying taxes out of escrow and they assured me they would. In XX/XX/XXXX I received the first of many late notices from the County. I began calling customer service to find out why the payment of my taxes was n't paid, escalating to supervisors but not getting answers. Then, in XX/XX/XXXX, I received notices threatening seizure and sale of my property. During this time period - from XX/XX/XXXX to XX/XX/XXXX - I made over 15 calls to Nationstar only to receive promises that they would research my claim to find out why my taxes had not been paid. Each time I called was told they would need to do research and get back to me in 3 days, which they failed to do. I then called another service number which was supposed to be an escalation phone number. My escrow account had the funds to pay out the taxes but again I was told that there was research needed and they would get back to me but even they refused to follow up and the taxes did not get paid. Finally in XX/XX/XXXX, after receiving notices from the county that my income tax refund was being held until my property taxes were paid, I found the number of a VP of Customer relations and called to tell him my problem. Again I received promises of resolution but did not get returned calls. After recieving a summons from the County to appear in court, I emailed a copy to the VP requesting confirmation of receipt. I did not hear back from him nor anyone else at Nationstar. I found another number on the internet and I escalated to another VP. As of today, after over 20 calls to various parts of Nationstar over several months, I have another promise that the money has been sent to the county. The county has n't recognized the payment and I have 2 days to make sure the property taxes are paid or I have to show up in court. My income tax refund of over {$1000.00} is being held by the county, I have a summons to appear in court, and my previously pristine credit rating is likely destroyed
Product: Credit reporting

How can Equifax keep all items of credit history on the report for 10 years regardless of the other agencies taking the old debt off and following the 7 year rule?