23daVinci/CFPB_Complaints huggingface dataset:
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 confidentially under 15 USC 1681. 

XXXX XXXXXXXX : // XXXX All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-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 reason to believe that the information ins inaccurate
Product: Checking or savings account

XX/XX/XXXX was the initial opening of the account with a security deposit ach withdrawn from linked checking account with XXXX for {$150.00}. Used the account once XX/XX/XXXX. Ive been asking for the account to be closed after the erroneous late charges that affected my credit report XX/XX/XXXX. I sent an email and still to this day I have been ignored and request not honored. At this point this is considered theft.
Product: Debt collection

I received communications from the IRS showing that I owed taxes on a debt discharge of {$3900.00}, and received a Synchrony Bank tax form 1099-C for the year XXXX showing that same amount. 

However, I paid a total sum of {$2400.00} as full and final settlement of Cause No. XXXX to the plaintiff XXXX XXXX XXXX, XXXX, Assignee of Synchrony Bank ( XXXX XXXX ). 

As a result of that payment of part of the debt, the final amount that should have been discharged by XXXX is {$1500.00}. 

I sent Synchrony all supporting documentation on XX/XX/XXXX and they haven't updated the 1099-C or submitted it to the IRS. I am receiving intense letters from the IRS stating I owe almost {$900.00} in taxes for that full discharged amount of {$3900.00}. 

I have provided the documentation of the debt settlement agreement and the actual settlement of the debt.
Product: Credit reporting or other personal consumer reports

PLEASE, THESE REMARKS ARE INACCURATE PLEASE HELP ME UPDATING THESE. IM SO STRESS SEEING THESE.
Product: Credit reporting, credit repair services, or other personal consumer reports

18 U.S.C 8 : The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

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 Dept of ED ( acct XXXX ), Navient XXXX XXXX XXXX acct XXXX ), US Dept of EDU ( acct XXXX and 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 an 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. 

15 U.S.C 1666a : 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.

15 U.S.C 6801a : It is the policy of the Congress that 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 nonpublic personal information.

15 U.S.C 6802a : Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

15 U.S.C 6802b : Opt Out Family Educational Rights and Privacy Act of 1974 20 U.S.C 1232g 34 C.F.R 99.30 : Must have parent or eligible student written consent to disclose information
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXXXXXX XXXX Inquiries : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Collecons : XXXX XXXX DEPTEDXXXX XXXX DEPTEDNELNET XXXX DEPTEDXXXX XXXX DEPTEDNELNET XXXX DEPTEDXXXX XXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX XXXX BANK AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons XXXX XXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My background check was sent out by 3rd party agency without my permission and provided to XXXX recruiting, XXXX XXXX, XXXX XXXXXXXX XXXX
Product: Checking or savings account

Paycheck in the amount of {$360.00} not deposited in a timely manner, causing hardship. Capitol One continues to simply offer an automated apology,
Product: Credit card or prepaid card

I recieve unemployment payments to my Eppicard. One day I noticed over XXXX dollars missing from my account in XX/XX/2020 so i made a dispute. Then ordered a new card after I recieved the new card XXXX more dollars was missing from my account again in XXXX XXXX I filed a dispute which no papers were mailed to me after representive told me they would come in 5 days. I got my new card and XXXX more dollars were stolen I made a dispute again in XX/XX/2020 which I was told they would send forms in 5 days. Not only did I not recieve forms for my disputes but you could not reach any over the phone to resolve the issues. After waiting I finally mailed a letter in writing in XX/XX/2020 describing my disputes. In return they finally send a letter saying they wouldnt return my XXXX dollars because they did an investagation and the information they got from the merchant. So I called and the information they gave did not make sense but they wont take a second look. I then asked about the other disputed which almost three months later they had did nothing for my claim. They just sent the paperwork for the other two claims a week ago which it is now XX/XX/2020. Before I could even send in my paperwork for the disputes I just recieved. They have already sent a letter saying they couldnt find fraud. What!!! I just got my forms to get my credit last week. This is Unbelievable these people are scammers and this proves they are not investagating these cases and not returning customers money. I have been fighting to get my money back since XXXX making disputes that they not even sending out so people wont get their credit. This company needs to be closed.
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 XXXX XXXX XXXX XXXX account XXXX XXXXXXXX XXXX XXXX Balance {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Account # XXXX Balance {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Balance {$280.00} XXXX XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 U.S.C. 1681B ( 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

have contacted the Credit Reporting Agencies on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX about the hard inquiries on my credit report and have been told to contact the companies who requested the report and to have them deleted. I called XXXX and have been told they do not delete hard inquiries even though I did not authorize the inquiry. I called back to XXXX & Experian to advise them of the statement from XXXX. I have disputed the inquiry via telephone calls and via the internet and I have been continuously told by XXXX & Experian the hard inquiry will not be deleted even though I did not authorize anyone to check my credit file. I am asking for your help because I am given the same answer which is not fair to me as the credit when I did not not ask for the hard inquiry with XXXX. I have continued to request a deletion to no avail. Please advise if you can assist me with this.
Product: Checking or savings account

I had a account in 2015 and they closed it down and blocked me from signing up
Product: Checking or savings account

TD Bank XXXX North Carolina, Was Neglectful in protecting my money. For todays money was being withdrawn from my account in the amount of {$9000.00}. I was not alerted and they did not put a freeze on what was going on with a fake debit card. I have never owned or used a debit card. Checks are being used with forgery and the bank is refusing to return any money due to 60 days up and not me not reporting. I did not know what was happening due to the fact that I was not receiving any kind of statements or male of any kind. Im still working with the post to start service. This bank was negligent and this is my retirement Im XXXX And I need my money returned. I live alone and Im finding out that I have identity stolen, bank fraud, mail been intercepted. TD Bank has been less than helpful they have been cold and callous they refused to even dispute all the things that I told him too. I am treated As if I did this I am the victim. Approximately 15,000 has been taken from my account police reports have been made. Credit bureaus have been contacted. TD Bank was neglectful with any alerts as their ads will say that they will protect our money. They did not protect my money it should have seen in two days {$9000.00} was being removed
Product: Credit reporting or other personal consumer reports

My XXXX, Transunion and XXXX credit report inaccurately reflects my personal identity, address, and includes incorrect negative remarks. I have only resided at one address. As an XXXX XXXX member of the XXXX XXXX, these errors have caused significant issues in my life, affecting my ability to obtain credit and impacting other aspects of my personal and financial wellbeing. 

According to the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974, my credit report should reflect only accurate information, including a credit score of XXXX and a credit limit of {$250000.00}, along with all positive information. The errors in my report are a direct violation of my rights under these laws. 

If these issues are not corrected in a timely manner, I am prepared to pursue legal action, including filing a lawsuit, to ensure compliance with federal laws and to protect my rights to privacy and accuracy in credit reporting.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I contacted Transunion regarding information I provide to them to remove fraudulent account from my credit report. I spoke with someone in the fraud department, and they refused to remove the XXXX accounts. I submitted a police report and an FTC report. I also provide the UCC laws in the report as well.
Product: Student loan

In between the months of XXXX - XX/XX/XXXX, I became enrolled in what I was led to believe was a student loan forgiveness, Revised Pay As You Earn ( XXXX ) program by way of EduLoan Servicing, in which my " account '' was later sold to XXXX, unbeknownst to me. Almost immediately after I completed enrollment with EduLoan, I began receiving multiple emails & phone calls from different people who said they'd acquired my account, and that I'd have to deal with them from now on. I had not, at the time, realize what selling information was, and that it was illegal. 

In XXXX of XXXX, after almost 5 years worth of payments, it was revealed to me by an official representative of the U.S. Department of Education that no such payments were made on my behalf and they did not recognize any such consolidation program by way of EduLoan or XXXX XXXX. Furthermore, the representative revealed that the U.S. Government suspended all student loan repayments for the year of XXXX to commence in XX/XX/XXXX, yet my bank has been charged bXXXX XXXX  XXXX every month in XXXX all the way up through XX/XX/XXXX until my card expired. 

I began receiving text messages from someone allegedly named XXXX XXXX about my card expiration & that they were looking for payment, which struck me as odd because no legitimate business will personally text you. The web link that was sent to me via this person 's email was only set up to receive your personal bank information. No further information was available on the website as to who they were, contact information or anything, only to receive your information. 

https : XXXX ) Once I was able to contact them, I told them I wanted a full refund and was told I wasn't entitled to one UNTIL I told them I was not going to let this situation go and was going to get whatever authorities available involved, possibly including an Attorney General. I told them that I now realize they've been selling my personal information without my knowledge, that the " contract '' was void because no consolidation payments were made to the U.S. Department of Education on my behalf like what was explained to me, only to them every month. 

Only AFTER all of this is when I began receiving open communication from XXXX via email, calls & voice-mail. On XX/XX/XXXX, the supervisor of the representative that was handling my file, explained to me they he would, in fact, refund me only {$930.00} to make up for just 2 years worth of payments that they knew they weren't supposed to be receiving. As of XX/XX/XXXX, that transaction never happened, nor has any further communication been made on they're behalf. 

I am including in this correspondence the initial interactions via email & text messages between myself, EduLoan representative XXXX XXXX XXXX XXXX XXXX, XXXX ' XXXX XXXX, XXXX & XXXX XXXX. I still have the original " contract '' and most, if not, all of the voice recordings over the last few years if needed for further review.
Product: Credit reporting, credit repair services, or other personal consumer reports

While disputing inaccurate information with XXXX XXXX XXXX, Experian and XXXX XXXX replaced the previous XXXX XXXX account they removed in XX/XX/2019 back on my credit report XXXX XXXX. 

Now they have XXXX and XXXX XXXX reporting duplicate accounts with inaccurate non validated information while XXXX has not provided the information I have requested per my CFBP complaints. 

Both XXXX XXXX nor XXXX have provided and account information to validate the amounts or the information to me that they have reported to credit bureaus. 

Please refer to XXXX XXXX response to CFBP complaint # XXXX where they confirm that XXXX XXXX closed this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company did not give me a proper responce regarding a previous complaint. I first contacted Transunion in XX/XX/XXXX and I have not heard anything back which is the reason I filed a CFPB complaint in the first place. In the complaint I stated I havent received a response in 60 days. Transunions respons today was that I contacted them XX/XX/XXXX an they responded by by XX/XX/XXXX which is in timely fashion But I made my complaint based on them not responding to me to more than 60 dayregarding when first I contacted them in XX/XX/XXXX. They left out an are purposely are not mentioning what I was complaining about when I contacted them in XX/XX/XXXX which was me making a complaint about them not contacting me from when I first contacted them in XX/XX/XXXX. Transunion is trying to confuse the CFPB to make it seem like they responded to me which they did not respond to my XXXX complaint. They only responded to my XXXX complaint stating that they responded on XX/XX/XXXX. But they did not mention anything about my XXXX complaint which is the reason I filed a CFPB complaint in the first place.