23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received an unsolicited 'NetSpend Prepaid XXXX ' in the mail yesterday from XXXX. XXXX XXXX, XXXX, TX XXXX. I could not find anything in the attached paper to explain what 'prepaid ' meant. I called the telephone number listed ( XXXX ) to opt out of receiving anything else from this company but the recorded message said the card had not yet been activated so they needed my Social Security number for something. I hung up immediately when they mentioned my SSN so I do n't know what the rest of the message said. I cut the card into pieces this morning and dropped the pieces into separate recycling bins. This card is issued by XXXX. There 's tons more fine print but I 'm not going to read it.
Product: Credit reporting or other personal consumer reports

ATTENTION TO XXXX XXXX, XXXX, XXXX, and EXPERIAN This complaint is in reference to a XXXX XXXX  XXXX loan that has been tendered and paid in full but is reporting discrepancies to my credit report and also not reporting that the account has been paid in full Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given to XXXX XXXX, XXXX, XXXX, and EXPERIAN written, unwritten, verbal, and nonverbal per 15 USC 6802. I am invoking my rights under 15 USC 6802 to opt out of the disclosure of my information.

The following items listed below are all in violation of my privacy rights under the Privacy Rights Act of 1974, also 15 USC 6801, 15 USC 6805 and 15 USC 6802 obligation to disclosure of personal Information. 

XXXX, XXXX, EXPERIAN and also XXXX XXXX  should be penalized for there unlawful actions violating my rights, all are guilty of either reporting or disclosing my information. I Have attached a report of my credit report from all 3 bureaus and you will be able to see the proof of discrepancy within the credit bureaus and XXXX XXXX. All the credit bureaus are reporting different dates of accounts being open, different loan balances, payment history, all inaccurate reporting violating 15 USC 1681. Each violation is subject to {$1000.00} fine per violation made by each party involved. XXXX XXXX  is reporting Late Payments from XX/XX/XXXX up until XX/XX/XXXX. These late payments are reporting to XXXX, XXXX, and EXPERIAN with discrepancies, they all report different information, completely in violation of 15 USC 1681 inaccurate reporting, 15 USC 6801 illegal to report transaction history, 15 USC 6802 disclosure of personal information. I signed a privacy agreement with XXXX XXXX  that they wouldn't disclose my information to a third party company and all three credit bureaus are third party companies, therefore illegal to report on my credit file. XXXX XXXX  can't disclose my information and the credit bureaus can't report it. They both owe for compensation. XXXX XXXX  also has remarked my credit report with a REPOSSESION/REDEEMED note and it is reporting on all three credit bureaus also in violation of my privacy rights under the Privacy Rights Act of 1974, also 15 USC 6802 disclosure of personal Information, also subject to {$1000.00} fine for violation of my rights. It is unlawful and they are in violation of invading my rights and I am invoking my right to opt out of XXXX XXXX  disclosing my information under 15 USC 6802. I am also invoking my right to opt of XXXX, XXXX, and EXPERIAN reporting my personal information also under 15 USC 6802, as in credit utilization and payment history, which is inaccurate falling under 15 USC 1681. I have a suffered behind these unlawful acts by XXXX XXXX, XXXX, EXPERIAN, and XXXX as it has impacted my credit score unlawfully and needs to be. resolved immediately by removing the information from the credit report and also cease the reporting.
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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

A while back fraud occurred on my account. I had the person responsible charged and prosecuted. I'm still being held accountable for something clearly I didn't do. I have written into there security department on several occasions to no avail. On on occasion XXXX guy call me back and simply said I wasn't worthy of being a member because he did like my question
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and TransUnion are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to XXXX XXXX  and TransUnion since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Checking or savings account

i filed a dispute about XX/XX/23 spectrum for XXXX and XX/XX/23 for XXXX spectrum and XX/XX/23 XXXX to some company called XXXX and XX/XX/23 for XXXX XXXX i did not authorize nor did i make these charges. filed a dispute with chime, they denied my dispute this is ridiculous. i did not make or authorize these charges, please help me get my money back thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I requested via certified mail as well as through the Cfpb portal to verify this debt and provide documents verifying debt. The company never responded with documents or proof of debt the credit reporting agencys only verified debt without physical or digital verification of any signed contract that was requested on XXXX XXXX attached are the proof of violation, identifying documents, and request to remove and block this account. If this account is not removed for this violation I will be processing my demand letter, as well as lawsuit for violating federal law of 30 days to provide documents I formally requested. 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX tx XXXX XXXX XXXX XXXX, XXXX Account number XXXX This is the Violation you violated against federal law. I will proceed to file lawsuit if you do not remove this account 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ).

( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section.
Product: Credit card or prepaid card

Using Chase 's XXXX XXXX portal, I booked a hotel room for XX/XX/XXXX. I attempted to book this and a rental car with their travel specialist, but she tried to reserve a vehicle in XXXX, XXXX instead of XXXX, NJ, which is over 500 miles away. 
I reserved and paid for a specific room type under ID XXXX. When I arrived at the property, I was given a substandard room with the notification it was what Chase had reserved. Calling Chase ( 1.5 hours on hold ) they blamed their third party vendor, XXXX, or XXXX, and the property manager indicated this specific mistake is a common occurrence with Chase. It was over 3 hours before we were able to get the room I paid for, which I only got because Supervisor XXXX, XXXX said I would need to pay the room charge out of pocket and seek reimbursement. I did this, even though I wanted to cancel the room at this point. I could not because this reservation was non-refundable, and there were no other rooms for rent within 35 miles. 
Chase opened a case and on XX/XX/XXXX XXXX XXXX indicated that the refund would be issued in the form of points with the same cash value within 48 hours. After 48 hours without this refund, I called in and was told that now it will be 1 - 2 billing cycles, which is not acceptable, nor in line with the email I received with 24 - 48 hours for deposit. 
Chase opened a case for
Product: Prepaid card

In XXXX, 2023 I received a prepaid Visa Gift Card for {$500.00} from a friend. In XXXX there were apparently multiple fraudulent charges using the card. I did not realize this until XXXX when I first used the card for several purchases. It was when I decided to see what the remaining balance was I learned about the fraudulent charges. In XXXX I contacted the US Bank XXXX card folks and explained the situation. They agreed to research it and eventually sent me a replacement card for {$110.00}. I received the card and activated it on XX/XX/XXXX, but have yet to use it. I re-contacted them because there was still {$100.00} missing on the card, and eventually after faxing to them the front and back of the replacement card and my drivers license they sent a letter dated XX/XX/2023 telling me they had made a final determination regarding my claim and that another card for {$100.00} would come out to me in XXXX business days. I have yet to receive it. And I still can not use the first replacement card they sent, or access the on-line details they keep telling me to use. 
At their request I have faxed the above referenced information to them seven times, and recently sent it via USPS as well. 
I'm not getting anywhere, and truly appreciate your help in this matter. Every time I call I'm told to fax the same info and call back in 7 days. Then we go around again. I'm due to call them next Tuesday, XX/XX/XXXX. I'm not sure I'll bother, but then they owe me {$210.00}, and they know it. 
At one point a representative actually gave me the address where she said a replacement card was sent ( to me presumably ) at an address in XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. I've no idea if this happened or who got it but the address she provided was XXXX I've never heard of, and certainly didn't provide to them.
Product: Bank account or service

On XXXX/XXXX/15 was expecting a direct deposit from my employer to be on my rushcard. I logged onto my online account and checked my transactions and I could see where my deposit was made from my employer but my balance was still at {$25.00} ( from what I saved from my payroll last week ). I had been calling rushcard nonstop since XXXX/XXXX/15. I was finally able to get in touch with someone @ rushcard and when I told her what was going on with my account she said that my account was - {$870.00}. When I asked her how can my account be in the negative when I get a payroll deposit from my employer every week and you can only spend what you deposit, she caught an attitude and then saywell you can just close your aaccount. I told her I was calling about my money not to close my account and ask her to transfer me to a supervisor. She transferred me to her supervisor. I was on holold for about XXXX mins. then the phone clicked off so I called back and they said to call back in the morning to talk to a supervisor.I have been calling 2 days straight with no answer. Please help because this is ridiculous. This rushcard glitch has affected me tremendously and then on top of that they are trying to say to say my account is negative {$870.00} which is impossible
Product: Credit reporting or other personal consumer reports

According to The Family Educational Rights and Privacy Act ( FERPA ) 20 USC 1232g ( b ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public and private elementary, secondary, or post -secondary school. I would also like to add according to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to insure that the consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states 'It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customer 's nonpublic personal information. " ( XXXX XXXXXXXX XXXX ) is a financial institution by definition under that title .15 USC 1681 section 604 ( a ) section 2 states that " 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 the written instructions of the consumer to whom it relates. " ( XXXX  XXXX XXXX ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( XXXX  XXXX XXXX ) whether it be vebal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- - the consumer is given an explanation if how the consumer can exercise that nondisclosure option. " ( XXXX  XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 ( 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 the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against law. 15 U.S. Code & 1681 s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code & 1681 ( e ) states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( C ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. '' Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR & 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
Product: Debt collection

CHILD SUPPORT PAYMENTS ... ... OAG CHILD SUPPORT ENFORE IS ON MY CREDIT REPORTS ... ... THESE ARE NOT MINE PLEASE HELP ... credit scores are in bad shape due to this being on my accounts .... there 10 's of thousands XXXX XXXX IN TEXAS ... PLEASE HAVE THESE DELETED .... THANK YOU
Product: Credit reporting or other personal consumer reports

Subject : Request for Review and Action Identity Theft Dispute Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally dispute the actions taken by Experian regarding my identity theft case. I have requested that certain fraudulent items on my credit report be blocked as a result of identity theft, as allowed under the Fair Credit Reporting Act ( FCRA ). However, Experian has declined my request and is demanding additional documentation that I have already provided. 

The disputed items were placed on my credit report due to identity theft, and the documents provided were in line with the FCRA requirements for blocking such items. However, Experian has failed to block these items and instead sent me the following statements : Failure to Block Fraudulent Items : Experian stated that the identity theft report was not received by a law enforcement agency. I find this perplexing, as I have already provided a legitimate identity theft report filed with a federal, state, or local law enforcement agency, as required by the FCRA. They have failed to process the provided information properly and have made an erroneous claim about the validity of my identity theft report. 

Request for Further Documentation : Experian is now requesting additional validation of the report that was already filed with law enforcement, including a confirmation email, signed letter, or document from law enforcement personnel. I have already submitted all required documents, including a copy of my identification, a current utility bill, and a report with full details of the identity theft. 

Inconsistent Reporting Across Bureaus : I also noticed that the information provided by the credit bureaus is inconsistent. For example, the disputed items were correctly flagged by XXXX and XXXX, but Experian has failed to take the same action. This discrepancy raises concerns of potential identity theft or a procedural issue that requires immediate correction.
Product: Debt collection

Monday XX/XX/21 spoke with a lady at Synchrony Bank in regards to a balance of {$3100.00} for a XXXX XXXX. She stated I had never made any payments for my XXXX XXXX with Synchrony Bank. I explained that I did and that I have bank statements proving it and that I closed the account after paying it off. She said to fax the documents showing my payments. 
XX/XX/21 at XXXX I faxed screenshots of my bank account showing payments made to XXXX XXXX. 
XX/XX/21 I call to confirm receipt of my fax. Was told yes, that it was received, and explained what was happening. The gentleman kept repeating that I owed this debt. I told him no, I dont I paid this off and I closed the credit card. I told him I was never contacted that I owed any balance and when I closed the account out there were no issues, not until I recently applied for a new XXXX XXXX and was denied. Since then I have received calls everyday in regards to having a balance. This gentleman then transferred me to the XXXX XXXX. The young lady I spoke with next stated that my screenshots were not sufficient, that they need to be from the bank on their letterhead showing the transaction to XXXX. I said it doesnt show Synchrony, it shows it was paid to XXXX XXXX XXXX I paid this through the XXXX app. 
So, XXXX now at my bank, XXXX XXXX, XX/XX/21 and explained to them whats happening and the teller pulled up my account and said its showing XXXX XXXX not synchrony. Came out to my car, called my local XXXX. Explained my situation and the lady said she had the same thing happen to her but she doesnt remember how she had it rectified. She tried putting me through to a manager, but no one ever answered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My credit was used in a fraudulent transaction at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, New York XXXX. The date was XX/XX/2019 and the application number is XXXX. The car was XXXX XXXX XXXX. I did not make this purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

To my knowledge, all of my consumer information at my request has been frozen and suppressed. I have correspondence from Equifax claiming that my data has been verified in violation of my rights.
Product: Credit reporting or other personal consumer reports

The response to my last dispute with company didn't resolve the issue at hand, I never claimed that the account wasn't mines therefore no police report was required, but what was sent to you and the company is that I was a victim of XXXX XXXX bondage debt and was manipulated and forced to purchase this vehicle under duress, I was forced to do many things that weren't in my control, I sent supporting documents from the agency who helped me and still assisting me with getting my life back in order. 
XXXX XXXX account number XXXX has violated my rights as a victim of Human Trafficking under 22 U.S.C. {$7100.00} ( XXXX ) or XXXX XXXX under 22 U.S.C. 7102 ( 12 ) as required to qualify for certain adverse credit information to be blocked pursuant to 12 C.F.R. 1022.142 ( see attached rule ). They didn't take precautionary measures to assist me with this situation and disregarded the laws altogether. 
This is not acceptable and I am requesting once again for CFPB complaint XXXX to be reviewed again and taking care of immediately, the law states you have 15 days to correct this issue. If I don't hear in a timely manner I will be consulting with an attorney.