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

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX 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

I have had a XXXXXXXXSynchrony credit account for several years with an original credit limit of {$5000.00} ( I believe ). I used this account to purchase a XXXX XXXX XXXXXXXX for approximately {$190.00} and shortly after that the account I received notice that my credit limit had been reduced to basically the balance I owed at the time. Several months ago, I entered into an agreement to pay a reduced payment of {$20.00} per month. Though the {$20.00} is the amount I agreed to pay, my monthly statement continues to reflect I am past due. 
Today, XX/XX/year>, I called speaking to ask if the due date could be changed from the XXXX of the month to the XXXX of each month. After talking to XXXX XXXX rude people, the Supervisor stated she could not change the due date because I was past due, which according to my records I am not.
Product: Credit card or prepaid card

Hello, I'm writing to you for help concerning my venmo account. My uncle sent me XXXX dollars to help me with the purchase of a vehicle. I tried to transfer the money to my debit card and venmo then told me that I had violated the user agreement same and suspended/froze my account. I can't take your demo to find out what I had done that violated the user agreement to be given no answer and then told that my account was permanently deactivated and that I could no longer use Venmo. On or about XX/XX/2023 I sent an email to the venmo support team because contacting them are directly you can not talk to anyone at all about your account it is a whole separate team that deals with it and you can not speak to them on the phone you have to reach them through email.. I emailed them an email asking them what it was that I had done to violate your policy with no answer being given I just received an email back stating that they could hold my funds for up to 180 days for lost prevention reasons which is complete crap.. I do believe that I am the only one who is missing out here and who has lost anything. They have caused me to not be able to get my vehicle therefore I have missed out on so much money from work that I'm really not sure how I'm surviving except for with the help from friends and family. Since then I have XXXX emails sent between myself and Venmo 's " team '' me asking them to please just let me transfer the funds to a different card and I would close my own account they didn't have to because I don't want to be a part of it any longer. Today XX/XX/2023 they sent me back an email stating that they would consider the case closed and they would not respond to me any longer that they would send me an email to my emil aaddress if my funds were ever available to transfer in the future.. this is not at all what a business should do to their customers especially a business with a huge name like Venmo. I do not recommend Venmo to anyone and I would like this to be taken care of immediately. I want my funds off of the account and I will be extremely cautious about any online card or bank or anyone who has control over my money. I am so unhappy about this. It is completely ridiculous and not professional whatsoever in any way, they should not be allowed to do this to their customers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent.

I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX  is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone XXXX XXXX XXXX Department Store Card for JCP ending in XXXX Privacy Concern and Lack of Resolution with JCP Account managed by Synchrony Bank. 

Dear Consumer Financial Protection Bureau, I am writing to formally raise a concern regarding my account with JCP/Synchrony Bank managed by Synchrony Bank . Recently, I have noticed a serious issue where my account manager is displaying another customers information a Synchrony Home account for a XXXX XXXX XXXX in TN. This situation raises significant privacy concerns for both my account and the other consumer. I have attached a screen grab of my account manager home page and details of XXXX XXXX 's account her last statement. However, I can see all her other information available through account manager. I have also attached XXXX XXXX 's last month statement to show the links are available to me on the page and are not locked down. 

Despite reporting the matter to JCP/Synchrony Bank at least 5 times over 4-5 months and seeking resolution, the issue remains unresolved. Based on the information provided by JCP/Synchrony Bank , it appears that this may be linked to a privacy breach associated with a recent system upgrade. However, they have been unable to rectify the problem, leaving me deeply concerned about the safety and integrity of my personal information. 

I believe this matter requires immediate attention, as it compromises both the privacy rights and financial security of JCP/Synchrony Bank customers . I would greatly appreciate your assistance in addressing this issue and ensuring that appropriate actions are taken to safeguard consumer data and resolve this matter promptly. 

Thank you for your time and attention. Please let me know if you require additional information or documentation regarding this concern.
Product: Debt collection

Credence Resource Management calls every day up t 26 times a day. No message is left. They use different numbers : XXXX, XXXX, XXXX. XXXX, XXXX I contacted them and asked them to stop calling. I keep blocking each new number. I do not have any outstanding debt with them. I have never received any communications via mail, so I do not know the nature of their harassment. They have been calling for about 6 months incessantly.
Product: Debt collection

A collection ageny continues to call my phone to reach my husband, XXXX XXXX. 
I have called them back several times and asked what company they are with and they told me that they are XXXX XXXX XXXX, a freelance company. 
I explained to them that my husband is in the hospital due to a XXXX XXXX and is unable to communicate at this time. 
They told me that the debt is owed to XXXX XXXX and in the amount of {$3000.00}. 
I let them know that I would have to verify the debt with my husband ( I currently communicate with him on a dry erase board, I explained this to them as well ). 
After I told them this, the lady I was speaking to named XXXX XXXX told me that was OK and she would make a note on the account and they would possibly have hardship options available. 
I received 2 more calls and voicemails the following day threatening legal action and that they had a locate placed on my husband. 
I called them back and explained to them that I just spoke to someone the previous day regarding the debt and wanted to find out about getting on a payment arrangement since I am the only one working at this time. 
I let them know that I could pay {$85.00} per month on the balance until paid in full.. 
The gentleman I was talking to put me on hold so he could reach out to his " finance manager '' and he came back to the line and said that will not be an acceptable amount and refused to set me up on a pay arrangement after I asked twice. 
I told him I was going to explore other options since they are refusing payment and I let him know I would be disconnecting the call.
Product: Vehicle loan or lease

On Saturday, XX/XX/year>2025, I spoke with a representative named XXXX ( XXXXXX/XX/XXXX XXXX ) regarding my account. I inquired about the possibility of submitting a goodwill letter for missed payments on my account ( under my name, XXXX XXXX ), which I have since brought current. XXXX stated that he could not deny or confirm whether a goodwill adjustment was possible and directed me to the XXXX XXXX XXXX and XXXX XXXX for further assistance. 

Today, XX/XX/year>2025, at approximately XXXX XX/XX/XXXX Central Time, I contacted the XXXX XXXX as instructed. The representative I spoke with was extremely rude and unhelpful. She bluntly stated that " they do not do that at all, '' without reviewing my request or offering any solutions. The call lasted approximately XXXX minutes. I could not obtain her name or employee ID due to poor call quality and her dismissive attitude. 

This is my first goodwill request for this account, which I have brought current. The missed payments on this account were made by, XXXX XXXX, and are now preventing me from obtaining housing, applying for credit, or receiving any financial approvals. This account has caused my credit score to plummet from XXXX to XXXX, creating a significant barrier in my life. 

You would think a company would want to work with their customers as a one-time exception, especially since I have made the account current. However, the lack of professionalism and effort demonstrated by the XXXX XXXX representative was unacceptable. Unlike XXXX, who remained neutral and informative, this representative outright refused to consider my goodwill letter request or provide any alternative solutions. This treatment did not demonstrate a reasonable effort to resolve the issue amicably, nor was my request handled with courtesy or professionalism. 

Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report and my husband 's credit report both include two accounts that refer to the same debt ( ie, duplicate reporting ), and whose date of last activity and date of first delinquency are both more than 7 years old. We have disputed this multiple times with the companies directly and with Experian, and nothing has happened. We have also submitted multiple demands for an explanation of their Method of Verification under FCRA 611 ( a ) ( 7 ) and we have not received any reply at all. 

The accounts are : XXXX XXXX XXXX Account Number XXXX and XXXX XXXX XXXX XXXX Account Number XXXX
Product: Mortgage

I applied for re-finance loan with LoanDepot.com in XXXX XXXX. They started with collecting appraisal money and obtain appraisal on their own. They did not inform me the results for several weeks despite asking them and calling them for results. When I received the results, it was lower than expected. I again wanted to discuss these findings with the lender but did not get response for days. When I finally heard from lender, they required me to change the terms of the loan. I agreed to it but then it days to get response from them about next steps despite leaving voicemails and emails. When I do get response from them, they asked for additional documents even though only change in the loan was new lower amount. I provided additional document but took them days to asks for more documents. Now days has gone passed and I am asked to run my credit check again in XX/XX/XXXX because it has been too late since the original check. There has been no clear answer when the loan will be closed. The representative have been communicating very poorly. The customer service department can not get hold of anyone when I tried to call them multiple times. Anytime I call the representative, it goes to voicemail. They do no response to voicemail as they don't even listen to it. Because they agreed to provide me loan I declined other loan offers at the time. Now the interest rate has increased and I am not able to get same offers back. I would be paying thousands of dollars more over the course of the loan for going to another company. But LoanDepot is not providing any clear answers as when my loan will be closed. I am unable to move forward with other items that I have to do - such as pay off car loans and student loans as I don't want to impact my bank balance before closing. The large company - LoanDepot says their priority is customer service but I am not getting any service from you. The experience has been frustrating. 

The company also added charges on the loan disclosure that were not there previously. When called to inquire about them they offered me 'compensation ' for those charge on the phone conversation. I have not seen any documents stating this compensation clearly.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Description of complaint : I have reach out numerous times to XXXX equifax XXXX they have failed to remove fraudulent items from my credit ( Fraudulent ADDRESSES ) 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CRA that negligently fails to comply with the FCRA can be held liable for actual damages, costs, ant attorney 'S fees. 15U.S.C. 1681o. A CRA that willfull fails to comply with the FCRA can be held liable for actual damages ( or statutor damages of un to {$10000.00}. punitive damages.costs, and attorney 15 U.S.C. 1681n The FCRA seeks to ensure the " [ a ] ccuracy and fairness of credit reporting. '' 15 U.S.C. 1681 ( a ). Toward that end, the FCRA mandates that end, the FCRA mandates that consumer reporting agencies ( " CRAs '' ) " follow reasonable procedures to assure maximum possible accuracy '' of the credit reports that they create. 15 U.S.C. 1681e ( b ). The FCRA also provides that, if a consumer disputes " the completeness or accuracy of any item of information contained in [ his ] file, '' the CRA must " conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

" 15 U.S.C. 1681 ( a ) ( A CRA that negligently fails to comply with the FCRA can be held liable for actual damages, costs, and attorney 's fees. 15 U.S.C. 1681o. A CRA that willfully fails to comply with the FCRA can be held liable for actual damages ( or statutory damages of up to {$1000.00} ), punitive damages, costs, and attorney 's fees. 15 U.S.C. 1681n. You have a right to disputed anything
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax three times to freeze my credit report and have provided all the documentation they asked for and yet, they still have n't frozen my account. XXXX and XXXX both froze my credit immediately, but I ca n't get Equifax to respond, even after three written requests.
I am now very concerned as I 've learned that Equifax had a security breach and now, my personal details may have been compromised. I am XXXX years old and worried that my personal information has been compromised.
Product: Credit card or prepaid card

To : Executive Office of Discover / XXXX XXXX XXXX XXXX & President XXXX XXXX ) XXXX. 

XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX I called Discover Customer Service to get financial relief ( postponement / reset / interest skip-a-month ) Coronavirus help because I have no job and no money, Discover Lied to me each and every month stating that " Discover doesn't offer Covid-19 relief to its customers '', they keep refusing to reset my monthly payment to {$0.00} since XXXX when this National crisis hit. Discover 's Customer Service Personnel are engaged in Selective Discrimination which is Illegal. Also, last year XXXX I called Discover Customer Service for XXXX Insurance and/or help with lowering my monthly payment due to my XXXX and they told me that " Discover doesn't offer such a thing ''. That to is another Lie! These are all Recorded Phone Calls. and last year after 3 years with Discover I asked for my {$200.00} Security Deposit back & for a non-secured credit card and Discover Lied and keeps saying " I don't qualify '', that is yet another Lie! These people are so cheap and Greedy it is ASSAULTING! Now Discover is sending me Harassing and/or Threatening Text Messages that " I did not sign-up for '' bothering me about payments when they are supposed to postpone XX/XX/XXXX payment regarding ongoing Covid-19 Lockdown. I will have to Sue in US District Court about this abuse and mistreatment.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and th
ey did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of serious concern regarding my personal information and credit report, which involves violations of MULTIPLE provisions of the United States Code specifically, 15 USC 1681b, 15 USC 1681a, 15 USC 6801, 15 USC 6802, and the GLB Act. I am also referencing the potential penalties outlined in 15 USC 1681n. It has come to my attention that my credit report contains transactions and experiences that not only are NOT allowed in the report, but that were submitted without my written authorization. 
TransUnion is a for-profit company, and while you are regulated by the law, you are not a government entity. You are getting paid to collect and store NPI ( non-public personal information ) which is racketeering and identity theft. I have NOT authorized TransUnion to collect any information on behalf of my estate, XXXX XXXX XXXX. Please furnish any agreement stating otherwise. XXXX, as defined by XXXX XXXX XXXX, a pattern of illegal activity carried out as part of an enterprise that is owned or controlled by those engaged in the illegal activity. 
Having a subscription or a fee to obtain NPI to be used in any manner unauthorized by the man or woman is illegal. You are a non-affiliated third party who then provides information to another non affiliated third party. Section 502 ( c ) of the GLB Act strictly limits the reuse of information, that of which you are again in clear violation of. 

15 USC 1681a emphasizes the importance of maintaining accurate and up-to-date credit information to promote fair lending practices and protect consumers ' rights. INCORRECT SPELLING OF MY NAME, ADDRESS, CHARGED OFF ACCOUNTS, LATE PAYMENTS, AND MUTIPLE HARD AND SOFT INQUIRIES. I did NOT complete a Social Security Administration Form XXXX ( XXXX ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. Any violation of this act can result in severe penalties under 15 USC 1681n, which includes statutory damages. Invoice is attached.