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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
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Product: Credit reporting or other personal consumer reports

Please Delete these accounts Immediately they were fraudulently open! 

XXXX XXXX XXXX XXXX XXXX {$1400.00} Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX Amount XXXX {$520.00} Opened : XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX {$420.00} Opened : XX/XX/XXXX Pursuit to 18 USC 8, I owe no debt. This company is in violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4.

15 U.S. Code 1681c-2 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, not later than 4 business after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY!
Product: Credit card or prepaid card

My husband applied for  a Chase c redit card  (   XXXX   XXXX   ) to transfer the balance of on  XXXX  of our high interest credit cards. It did not transfer the entire balance in  XXXX    XXXX  . I went to payoff this credit card and saw that we were charged the {$93.00} balance transfer fee. I called chase today  XXXX  and spoke to an associate to see if this fee could be waived since I was paying the card off and the account was not serving its purpose for us. He said he could not help and transferred me to a supervisor. The supervisor said this fee is not able to be waived and he did not care about our situation. We have had the account for less than  2    weeks. We have never used the card and was asking as a courtesy to have the {$93.00} fee waived. I do not see why the fee could not be waived. we are not planning on using this account. In fact I paid off the card and am planning on closing the account. Please assist in getting this {$93.00} fee refunded to myself. My husband and I are trying to get out of debt. we just had a new baby.
Product: Debt collection

On XXXX XXXX I was called by a man named XXXX XXXX from a debt collection agency named GF group stating that I was going ti be sued by XXXX XXXX bank for a debt of {$1200.00} and I can settle this debt by paying {$25.00} on XXXX/XXXX/15 and then {$480.00} on XXXX/XXXX/15 He haf said that by XX/XX/XXXX it will appear on my credit as PAID IN FULL he did send me an agreement letter via my email : XXXXXXXXXXXX which I do have. After checking my credit report I still do not see this on my credit and it is also a different amount I owe. I have called him numerous times and he says it takes anywhere from 20-30 business days.
Product: Mortgage

This all started back in 2013 my mortgage company lost two of my payments we submitted our bank statement when they bought our mortgage and said they never received them which put us behind then they started foreclosure they charged us {$8400.00} to get out of foreclosure we are now still fighting them because they say we still have {$3300.00} in foreclosure fees which it 's been 3 years now which has made us three payments behind again every time we make a payment we have new charges they 're trying to charge us {$570.00} and late fee charges and certified mail charges which we have not received any certified mail they are charging of property inspection fees nobody has come and inspect my property and now we have made an insurance claim and we had to mail them the {$17000.00} for our garage check and they are with you using to release that to us we are just trying to get what is belong to us to us if anybody could help us this would be wonderful wonderful
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, i contacted XXXX XXXX to dispute identification records as well as public records like bankruptcy information. I called in XX/XX/2023, and they informed me that all information including bankruptcy records were deleted and my consumer file has been updated. I tried disputing the information with all 3 buraus but they do not want to delete the information. On their websites it states that they get their information from XXXX XXXX.
Product: Debt collection

XXXX XXXX is attempting to collect a debt as a third party collector and is not entitled to any money from me regarding a previous account for XXXX XXXX XXXX for {$14000.00} which was a joint account. 

On XX/XX/year> I renegotiated a new contract with XXXX for {$7000.00} which is no longer a joint account with XXXX XXXX, this account is under my name XXXX XXXX and the first deposit for the renegotiated contract was on XX/XX/year> {$390.00} and my monthly payments is {$140.00}. This debt is also on my credit report and I have since been declined credit.
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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) 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.
Product: Credit reporting or other personal consumer reports

On XX/XX/2025, I received a denial for a credit application with XXXX and various lenders, citing my LexisNexis XXXX XXXX XXXX  of XXXX, which was used in their decision-making process. This score is significantly lower than my current credit scores from major credit bureaus, which are XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ). 

I previously opted out of LexisNexis reporting services, and I am deeply concerned that my data is still being accessed and used without my consent. Despite my opt-out, LexisNexis continues to provide my personal and credit information to lenders, which I believe is a violation of my rights under the FCRA.

FCRA Violations Observed : Failure to Honor Opt-Out Request ( 15 U.S.C.1681b ( c ) ) : I formally opted out of LexisNexis data sharing ; however, my information was still accessed and reported to XXXX, contributing to the denial of my credit application. 

Reporting Inaccurate Information ( 15 U.S.C.1681e ( b ) ) : LexisNexis has provided outdated and inaccurate data that does not reflect my true credit standing, leading to significant financial harm. 

Failure to Provide Disclosure ( 15 U.S.C.1681g ) : When I requested my full LexisNexis report, I was not given a complete disclosure of the information they hold, preventing me from verifying its accuracy. 

Failure to Investigate Disputes ( 15 U.S.C.1681i ( a ) ) : I have attempted to dispute the accuracy of my reported information, but LexisNexis has not provided a timely response or corrected the discrepancies. 

Harm Caused due to LexisNexis 's inaccurate and unauthorized reporting : 1. I have been denied access to necessary credit for my personal and business needs 2. My creditworthiness has been unfairly misrepresented to lenders.

3. I have suffered financial and emotional distress.
Product: Mortgage

I contacted Mr. Cooper in XXXX to request removal of PMI. The value of the property had significantly increased and improvements had been made. I believed the value significantly exceeded the PMI amount. Because the loan was less than XXXX XXXX XXXX they required an expensive reappraisal. I was encouraged to wait a few months call back because there were additional options for XXXX XXXX loans after XXXX. I then contacted Mr. Cooper by phone in XXXX of XXXX requesting that PMI be removed. I was told they needed a request in writing. I sent a letter requesting PMI removal -I believe late XXXX or early XXXX. I have not heard back after several months. I called today and they claimed they never received the written request, but they now could take request over phone - after denying this opportunity last XXXX. The person on the phone started asking the same basic questions and again I got nowhere. The person was patronizing and clearly had no desire to help resolve the situation other than going through an algorithm and then telling me to submit the request in writing. So incredibly frustrating. Mr. Cooper has no incentive to get the PMI removed as required by federal law.
Product: Debt collection

I've requested verification of debt 4 times, however they never respond to my letters but continue to send invoices. I've attached all letters that I've sent to EOS and they fail to respond. 


XX/XX/XXXX Debt Validation Letter XX/XX/XXXX Debt Validation USPS Tracking # XXXX XX/XX/XXXX Request to remove from credit report due to lack of response USPS Tracking # XXXX XX/XX/XXXX 2nd request to remove from credit report due to lack of response USPS Tracking # XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXX  Balance Owed : {$31000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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.

Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802. 

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Product: Credit reporting or other personal consumer reports

They are refusing to update my scores and I have called in numerous times and they are constantly sending credit reports from 2019. This is also the information that appears online.
Product: Bank account or service

As a way I am sure to make banking " more convenient '' my bank, Bank of America, now allows withdrawals from their teller assist ATMs with just a drivers license. Since this transaction is not conducted with a debit card the normal consumer protections allowed under REG E apparently do n't apply. A fraudulent ATM withdraws of {$1200.00} was conducted using just a drivers license as a form of authentication through their new ATA machines in a locale I have never visited over XXXX miles away from my home. When notifying them of the fraud the next day the bank explained this case would be treated as identity theft instead of a fraudulent transaction and would follow a different investigative course and remedy. Meanwhile we are out significant funds as the bills mount while an investigation takes place.
Product: Credit reporting or other personal consumer reports

Dear TransUnion, According to 15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report except for : Name : Address : XXXX  XXXX : Date of Birth : XXXX : Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. Delete all phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please update and delete all requested personal information. 
Best Regards, XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX American Express cancelled my account without warning. With the cancellation of my account they took over all my points XXXX which is equivalent to {$690.00} which I was saving to pay through my outstanding balance. Per NY State Law I am entitled to my points which I have notified the company and they stated that they would investigate and get back to me within 10 days, this request was provided on XX/XX/XXXX. After several times trying to reach AMEX customer service they said due to cancellation of my account I am not entitled to any of my reward points. 

Per NY State Law : New York law enacted at the end of last year requires reward programs associated with credit cards to provide cardholders advance notice of changes to credit card accounts and the rewards programs associated with those accounts as soon as possible and within a minimum of 45 days before the change. In addition, cardholders must be given a 90-day grace period from the date the notice is sent to redeem any points associated with a cards rewards program. The new law also makes it unlawful for any agreement between a card issuer and cardholder, or any related reward program, to allow for the expiration, forfeiture or cancellation of reward points associated with a credit card before the end of the 90-day grace period. It also deems void as contrary to public policy any agreement that attempts to waive, limit or disclaim the rights conferred by the new law. 

XXXX XXXX XXXX  signed Senate Bill 133B/Assembly Bill 5698B into law XXXX XXXX, XXXX. The legislation, which amends the states general business law to add new Section 520-e, takes effect one year after enactment and applies to all credit card agreements entered into, renewed, modified or amended on or after that date. 

Given its broad definition of the term points, the new law arguably applies not only to credit cards but also to the reward programs associated with those credit cards, which can be governed by separate agreements. New Section 520-e defines credit card points or points as denominated units that can be accumulated in an account in connection with a credit card reward, loyalty, or other incentive program or for certain travel-related rewards as miles, which are redeemable, fungible, or otherwise exchangeable, in whole or in part, for rewards. The definition is not limited to points that are earned by spending money on a credit card. Instead, it includes not only other incentive program [ XXXX ] but also more specifically travel-related rewards as miles. For some credit card rewards programs, the member may be governed by two different agreementsone for the credit card and one for the overarching reward programand the rewards programs allow members to accumulate points not only for purchases on the card but also for actions taken in connection with the linked reward program ( such as hotel stays or flying with an airline ). The broad definition of points in the new law arguably encompasses both the credit card and the related loyalty program points.
Product: Payday loan, title loan, or personal loan

I applied for and obtained a line of credit with CashNetUsa and was approved in XXXX of 2019. I immediately requested {$1500.00} from the line of credit and it was dispersed to my account. Soon after the company began billing me twice a month. I told them these were exorbitant payments, and to be billed every two weeks was unreasonable. They demanded payment, and they were debiting my account directly. I consulted a lawyer who said that this was an illegal internet loan and that he could help but first that I should block them from automatically taking payments from my account. I was going to file a case with an attorney, but I would prefer to make reasonable payments and pay back the loan. Currently they are saying I owe them {$3000.00} which is twice the amount of the original amount that I borrowed. They are also harassing me by calling me using different local numbers to disguise their calls. 

I attached a call record.
Product: Credit reporting or other personal consumer reports

XXXX is the current servicer for my federal student loans. These federal student loans have not been actively collected on in over a year and are over 3 years old. On or about early XX/XX/2023, I received a 1099-C, canceling the debt. Thus XXXX should not be continue to report these student loans on my credit report and should update my account and credit report immediately to reflect the debt being canceled.
Product: Credit reporting or other personal consumer reports

I reach out to the credit reporting agency XXXX, XXXX, and XXXX and notified them that this account with Sunrise Credit Service if fraud. I never open or had account with this company. I sent letters requesting the information be remove. I also stated that this fraudulent information is hurting my credit. 

1collection Total balance : {$1300.00} SUNRISE CREDIT SERVICE Original creditor XXXX XXXX XXXX  Balance {$1300.00} Balance updated XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2018 a summons to appear in court for a alleged debt from XXXX XXXX XXXX was found on my front porch, I had never received a bill from this company allowing me to request verification so I then requested validation of this debt via telephone as well as in writing. In return, on XX/XX/2018 I received a package addressed to me with someone elses personal information inside. I then wrote to the company telling them they violated someone else privacy and failed to send me the information that I requested in my name. I also included that I did not want them to handle any accounts of mine due to the untrustworthiness of the company in handling personal information. Whos to say that my personal information was not mailed to the persons information I received? On XX/XX/XXXX, the company sent me billing statements and a but failed to send me the original contract with my signature accepting the line of credit. This company has failed to send me everything I asked for in my request of verification including original line of credit limit, a contract with my signature accepting the alleged debt, and permission from the original creditor allowing them to collect on a debt in SC.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Therft Report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft Report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX  XXXX Date Opened : XX/XX/2017 Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}