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

15 USC 1681 Section 802 of the Fair Credit Reporting Act states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy ''. XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I, the consumer, have the right to make sure my privacy information isn't shared which is backed by 15 USC 6801, stating, " It is the policy of the Congress that each financial institute has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers ' nonpublic personal information ''. JP Morgan Chase Card Services is financial institutions by definition under that title. Also, 15 USC 1681 Section 401 Section A ( 2 ) states, " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with written instructions of the consumer to whom it relates ''. The financial institution JP Morgan Chase Card Services and the consumer reporting agencies XXXX, XXXX, and XXXX do NOT have my consent to furnish ANY information in regards to ANY items they are furnishing on my report and they surely do NOT have my written consent either. Any and all consent to XXXX, XXXX, XXXX, and JP Morgan Chase Card Services- whether it be verbal, non-verbal, written, implied or otherwise- is REVOKED. 15 USC 6802 ( b ) ( c ) states, " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option ''. I was never informed of my rights to exercise my nondisclosure options by JP Morgan Chase Card Services. Not only that- 15 USC 1681c ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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 ''. The JP Morgan Card Services account is an adverse action accounts reporting without my permission- which is clearly against the law. 15 USC 1681s-2 ( A ) ( 1 ) states, " 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 ''. 15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing consumer report to the purposes listed under section 1681b of this title ''. And lastly, 12 CFR 1016.7 states that " a consumer may exercise the right to opt out at ANY time ''. This is your notice that I am opting out of ALL of your reporting services.
Product: Credit reporting or other personal consumer reports

Trafficking Block Request To Whom It May Concern, I am writing to advise that I am a XXXX XXXX XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX XXXX XXXX XXXX XXXX XXXX. 
Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of trafficking.

Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or XXXX XXXX if the consumer has provided trafficking documentation to the consumer.

The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year 2022 ( 2022 NDAA ) .2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or XXXX XXXX if the consumer has provided trafficking documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the 2022 NDAA . Section 605C is effective 30 days after the Bureau issues its final implementing regulations. 
BILLING CODE : 4810-AM-P BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 [ Docket No.

CFPB2022-0023 ] RIN 3170-AB12 Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of XXXX XXXX ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX Missouri Laws Dear SYNCB/GAP, I am writing to address a significant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and XXXX Missouri laws, specifically XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 

It has come to my attention that SYNCB/GAP has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, XXXX Missouri laws, particularly XXXX XXXX XXXX XXXX XXXX, underscore the necessity of consumer consent for credit reporting. 

I assert with unwavering certainty that I have not provided consent for SYNCB/GAP to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, potentially damaging my creditworthiness and demonstrating a disregard for federal and state laws. 

I demand, with utmost certainty, that SYNCB/GAP immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and XXXX Missouri laws . Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and XXXX Missouri laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that SYNCB/GAP will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

This is XXXX XXXX, I run a small business called XXXX XXXX XXXX in NJ. 

My issue is with XEXXXX. I have initiated a money transfer on XX/XX/2023 with XEXXXX, tracking # XXXX. Since then they have been telling me different stories whenever I call them to check the status but money is not received yet in my XXXX account. They did not share swift tracking number either after multiple follow up including emails. 

Request you to please chime in and help.
Product: Debt collection

Debt was settled in FULL with XXXX, and yet they continue to report open collections, even after I 've CMRRR mailed them the payment info
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX : {$260.00}
Product: Debt collection

Debt Recovery Solutions added a collection to my report in XXXX of XXXX. I finally contacted them and they said this is from a hospital bill that occurred in XXXX and XXXX of XXXX. 2 years prior these XXXX collections appeared on my report but in different amounts I contacted XXXX XXXX XXXX and they reviewed the inaccuracy. They removed the collections from my credit report. These did not show when applying for the loan for my vehicle. Now a different collection is stating I owe and have added these back to my credit. My bank said that I should file a complaint because what they are doing is not fair. They are collecting money that is not owed! You are forced to pay a bill that is not accurate nor due otherwise your credit suffers for years. They are very rude on the phone. I explained at the time there was an issue with insurance, it was corrected and these were removed. They are giving me zero options expect for to pay the amount. There are 1000 's of complaints against this company for filing collections that are not accurate and now people are stuck with collections affecting them.
Product: Credit reporting or other personal consumer reports

I have previously disputed the accuracy of payment to XXXX XXXXXXXX as reporting this account as late for 120 days. I was never late on this account and it is damaging to my credit profile. This account need to be updated to a positive payment history immediately. This account was updated with XXXX and XXXX but Equifax isn't being helpful at all and continues to report negative and unverified payment history that are very damaging to my credit profile.
Product: Debt collection

In XX/XX/XXXX, I printed a copy of XXXX credit report and noticed a collection from Professional Credit Service, In XXXX I called them to further inquire of this alleged debt, I was met with a rude and aggressive manner. I mentioned to the person, that I have not received proper notice and this collection needed to be removed from credit reporting agencies until I can properly dispute this item. The person became enraged and aggressive stating that " You have to pay, and you owe this debt, and we will not delete this item from your report ''. I asked him why I never received a proper notice by mail, he mentioned that many notices were sent, and they were send to the address XXXX XXXX XXXX XXXX, ca, which I no longer resided at this address since XXXX. I again notified him over phone that I have not lived as this address for almost XXXX  years. I move to an apartment for a short period of time and I did not receive forward notices to this address either. I have not been properly given an opportunity to dispute this alleged debt, and the Person again became aggressive and demeaning, and told me I have to pay and I owe this debt and they already notified me, although I did not receive any notice to an actual deliverable address. I then proceeded to give my current address and it has been over 60 days and I have not received any notice of Debt Validation and this item is till reporting on my credit report since XX/XX/XXXX.
Product: Debt collection

In XX/XX/2013 I closed my account with XXXX and returned the phone I had leased through them. I was told that there would be no further billings from them. Recently while applying for a home loan I discovered there was a {$2000.00} collection taken out against me and have been unable to contact a representative who was able to explain where this debt came from. I have also tried to dispute this account now held by Jefferson Capital with the credit bureaus. I do not believe this is a justifiable debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian several times to formally and legally ask them to remove these inaccurate and illegal accounts from my credit report. However, after several formal certified mail FCRA disputes they continue to ignore my requests. This information does not belong to me and they have failed to show me how they officially validated this false accounts. I recently filed a Federal Trade Commission complaint to resolve this issue. 

XXXX XXXX XXXX Amount : {$740.00} Date opened : XX/XX/XXXX. 

XXXX XXXX Amount : {$7000.00} Date Opened :  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple banks have been allowed access my credit report, and to report hard inquiries, with incorrect personal information. This allowance is a violation of my rights and privacy. 
Said inquiries are : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

They only credited XXXX and that not right for not crediting XXXX more dollars
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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 OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX 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 has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Fraudulent account on my credit report XXXX XXXX XXXXXXXX : XXXX
Product: Vehicle loan or lease

On a new car lease dated XX/XX/2021 with Hyundai XXXX, I made monthly payments and received written confirmation as follows, dated : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/XXXX. 2021 All payments were electronic transfers from my bank account ending in XXXX. 

Beginning with the XX/XX/XXXX payment, all payments were completed with Auto-pay a Hyundai XXXX XXXX XXXX which I set up and received email confirmation dated XX/XX/XXXX. 

On XX/XX/2021 I received phone call from an individual who stated they represented Hyundai XXXX XXXX Department who stated my account had been referred to for collection to a contractor XXXX XXXX who requested a large payment amount. 
I knew my account was current and had been paid before the monthly due date since the lease began. For that reason I suspected the caller was a scammer, as the phone number did not show up as HyundaXXXX XXXX. 

I asked to speak to a manager, and was connected with XXXX XXXX who stated XXXX was not in effect and the service was not available to me. She stated several late fees had been applied to my account. She also stated my bank had rejected payment on several of the auto-pays. I stated this was impossible because I have copies of all confirmations or receipt. I REQUESTED ALL LATE FEES BE REVERSED, and a written statement of their error. 

Before the XX/XX/XXXX call, I had never been contacted by Hyundai XXXX ; not by email, nor my phone nor by a statement to my home address. I wrote a letter to Hyundai XXXX dated XX/XX/XXXX, disputing the handling of my account, and never received an response. In the letter I requested confirmation stating they made a mistake and that all late fees and credit reporting be immediately reversed. 

After I ended the call, I checked my financial statement that are used for Auto-Pay but I did not see transactions on the dates shown on the confirmations I received from Hyundai XXXX XXXX 

I consider this to be suspicious and predatory! I contacted the financial institution used for Auto-Pay, XXXX XXXX XXXX and met with the bank officer, who stated that not one electronic payments had been rejected. I gave the bank officer copies of all confirmation notices from Hyundai XXXX, and he immediately called Hyundai XXXX. He advised the rep that XXXX XXXX had not received nor rejected such amounts. 

This dispute remains unresolved. I have since paid off the lease since I consider their tactics to be dishonest and predatory.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX XXXX whose is reporting a collection amount of {$1400.00} balance. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of XXXX XXXX  which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and Equifax respectfully. Thank you in advance for your attention to this matter.
Product: Credit card or prepaid card

Around XXXX of XXXX there was a promotion to sign up for a XXXX Credit Card issued by Comenity Bank , the promotion was that if you made a purchase within 90 days of opening your account they would give you a {$50.00} XXXX XXXX XXXX XXXX I still have the email saved as evidence for this offer. After getting my card and making my first purchase within 90 days I waited approximately 8 weeks before reaching out regarding my store code. I was told that their systems were updating and that they would add the points to my account soon so that I could redeem them for my {$50.00} store code. 4 weeks later I reached out again because I still didn't have my points, I was told the same thing as before, their systems were updating and hopefully my points would get deposited soon. In XXXX of last year I finally got a letter in the mail saying that the update was done and that points would start to be added, I was notified that my points were added yet when I went to check it was nowhere near enough to get a {$50.00} store code, I was given around XXXX points and a {$50.00} XXXX XXXX card is closer to XXXX points, so I was missing quite a few points. I called again and was told once again that the system was updating. At this point I made a complaint with the XXXX XXXX XXXX  about a month later I received a letter from Comenity apologizing but still not doing anything. I am fed up with this company
Product: Credit card

On XX/XX/2024 my discover card was closed I never got any correspondence from discover telling me that my account would be closed or of any issue that may have been ongoing on XX/XX/2024 I received a credit alert saying that an account on my credit report was closed by the credit grantor not knowing what was going on I called discover and they tell me that the irs report I filled out on XX/XX/XXXX was denied on XX/XX/2024 and also on the same day they sent me a letter as well as a new irs form to fill out I never received any email or usps mail explaining this information as after I called on the XXXX was the first time I heard of this I even went through my emails thinking there was something I missed but that was not the case the case is discover made an error and never sent me anything for them for the irs they made no effort to contact me at anytime to even allow me a chance to verify my identity this is a shame I was proud to be a member of discover they are supposed to be a very elite company so to speak and they lied and closed my account without providing any effort to notify me that this was happening no mail nor email or even a text or phone call this was a complete waste
Product: Credit reporting or other personal consumer reports

I have sent transunion request for information of this debt back on XXXX received a letter saying it was verfied, which was a generic response.I resent another letter in XXXX and did not receive anything back. Submitted a letter asking for the original purchase agreement on XX/XX/year> and asked for within XXXX business days as, they keep failing to respond and still nothing to date. They signed for this letter on XX/XX/year>