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

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. 
XXXX  account : XXXX XXXX XXXX # XXXX, and XXXX XXXX # XXXX, and Child Support # XXXX. Has violated my rights. 
15 USC 1681 SECTION 602 A. STATES, I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 ; IT ALSO STATES, A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1692d-HARASSMENT OR ABUSE ( 2 ) THE USE OF OBSCENE OR PROFANE LANGUAGE OR LANGUAGE THE NATURAL CONSEQUENCE OF WHICH IS TO ABUSE THE HEARER OR READER. ( CAUSING MENTAL ANGUISH ) 15 USC 1692 b. ACQUISITION OF LOCATION INFORMATION.

ANY DEBT COLLECTOR COMMUNICATING WITH ANY PERSON OTHER THAN THE CONSUMER FOR THE PURPOSE OF ACQUIRING LOCATION INFORMATION ABOUT THE CONSUMER SHALL- ( 2 ) NOT STATE THAT SUCH CONSUMER OWES ANY DEBT TITLE 15- COMMERCE AND TRADE CHAPTER 94-PRIVACY SUBCHAPTER I - DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION SEC. 6802 - OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION 15 USC 1635 ( a ) DISCLOSURE OF OBLIGOR 'S RIGHT TO RESCIND, AND ( b ) RETURN OF MONEY OR PROPERTY FOLLOWING RESCISSION.
Product: Debt collection

A representative from Southwest Recovery Services ( XXXX ) attempted to contact my spouse repeatedly over an alleged contractual debt for martial arts classes from XXXX XXXX XXXX ( XXXX, Texas ). I called SRS to inquire and was told my Spouse owed {$840.00} for cancelling her agreement with XXXX. I asked them to mail me a copy of any contracts or agreements signed by my spouse and they refused, they then said they would email me the agreements in 5 minutes which they failed to do even hours later. Additionally, I said that I was questioning the validity of the debt and the Representative from SRS said that I couldn't do that and owed the debt on behalf of my spouse. I was told that if I didn't pay the debt they would ruin my credit by reporting to the agencies and they had my social security number. They did know the last 4 digits of my social ... I asked how they got my social and they would not tell me, I didn't give it to them and neither did my wife. I asked them repeatedly to tell me where they got my social security number and they got very defensive. I said I would report them to CFPB and they hung up on me. This really concerns me that a XXXX XXXX agency can ascertain a private citizens SSN without consent. I am really worried that if I don't just may them {$840.00} immediately they will report negative information to the agencies. I don't know what to do.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XX/XX/XXXXXXXX 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

I lost my EPPICard where I receive my child support payments, I've been trying to call costumer service for multiple times for the past 2 weeks nobody answers, I get put in hold by an automated answering machine and after waiting for 15 to 30 min it hangs out. I tried contacting the Child support agency a couple of times but they tell me that there's nothing they can do, they tell me to call costumer service. I'm currently depending on the money I have in the card, for food and bills. I haven't been successful in contacting or getting information about the issuer 's of the master card that I lost
Product: Checking or savings account

My checking account was closed by Wells Fargo because of overdraft fees.
Product: Credit reporting or other personal consumer reports

Balance on credit report not reflecting on none of the credit bureau. My last updated from XXXX was XXXX before I started disputing the incorrect amounts. I called XXXX for them to tell me an update was sent on XX/XX/XXXX, {$850.00} but thats not true. My reports say XXXX Credit bureaus are telling me to contact XXXX. XXXX is telling me to contact the bureau. I disputed with all 3 credit agency and the balance is still not updated
Product: Debt collection

After reviewing my credit profile on XX/XX/23 I identified a discrepancy with the account listed under HUNTER WARFIELD INC and validation was requested as this is an account that I did not recognize. The credit even threatened to sue me. I reviewed my credit report again on XX/XX/23 and the account continues to be reflected on my credit report and I have not received any correspondence from the creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed. After reviewing again on XX/XX/23 there have been no updates and the account is still reflecting on my report. I do not believe this account belongs to me nor do I believe that the creditor has authorization to access the account not authorization to attempt to collect in the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all the information is correct
Product: Credit card or prepaid card

I was exploring the Barclays Uber Visa card website XXXX XXXX XXXX XXXX XXXX XXXX when I saw the credit limit increase button. I clicked on it to request an increase because I had this card for at least three years, and never once did their system update my credit limit from a low {$500.00} to a more fair value related to my credit score or history with the company. So I click this button to ask them to increase my credit limit without seeing anywhere they would process a hard inquiry to increase my credit limit. If I knew that they would make a hard inquiry, I would not have requested the increase. After all, none of my other credit card companies have charged me for a credit limit increase. Furthermore, none in the past have made a hard inquiry if I initiated this change. Therefore, I feel that the Barclays card was not clear enough disclosing that they would perform a hard inquiry. 

When I called their customer service line ( XXXX ) today, XX/XX/2021, at XXXX XXXX, I was able to connect with a representative who told me at approximately XXXX XXXX PT that she was not for sure where the wording is ( but is claiming it is somewhere like on the website ). I asked her to connect me with the department that would know more about my credit line increase questions. They placed me on hold, and then they hung up on me XXXX or it disconnected XXXX instead of being transferred to the department that would know more. On the next call at XXXX XXXX I requested that the customer service representative connects me with their department that would know about the credit line increase issue and questions I would have. This agent also put me on hold, but they eventually shared a line and, although vague, confirmed a disclosure is somewhere and that this is the company policy. She was also unclear about how their " system '' would determine credit line increases. Nevertheless, I would like them to remove the hard inquiry because it is not readily apparent that I would receive a hard inquiry to request a credit line increase with Barclay.
Product: Checking or savings account

Beginning in XX/XX/2023, the company changed its terms of service agreement to force all clients to submit to a third-party application for verification. Demanding submission of facial biometrics in the form of a live selfie pictures. As well as numerous request to have both your drivers license or passport identification to gain access to the account. The company then used this new terms of service, that I did not agree to, to lock me out of my account. Demanding that I must set up an account with a third-party company in order to gain access to any of my financial records. Since then, I have sent daily emails to the listed email addressed, requesting a supervisor to contact me or to be given a phone number or address to the brokerage so that I can submit financial paperwork to change my portfolio to a different brokerage. Nothing has been sent to me. Continue to get the same generic copy and pasted response telling me to login and submit to the third-party application A selfie photo and numerous copies of my identification. 

And then referring me to the company website to login before I can get information on who to contact for assistance. Of course I am locked out and I can not request any assistance. 

I have asked who the registered agent is so that I can submit lawsuit paperwork as there is nothing listed on the website. 

I have asked daily since XXXX for a supervisor or anybody to contact me to help resolve this issue. Not a single response was given as to how to rectify this issue, other than submit to the third-party applications term of service. 

I do not trust Robinhood or the third-party application with my personal data. I would like to close my account and move my portfolio to another brokerage. This includes the money I have deposited with them. They have made it absolutely impossible to talk to a live agent. They failed to disclose an address to send paperwork to. 

I do not appreciate the sudden change in terms of service without proper notification. Because of their demands, I have lost money. I desire prosecution on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Reporting Agency TransUnion had access to and knowingly stole my non-public information and furnished a credit report. They are a non-affiliated third party as I have them no written permission to do so
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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, 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.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX 2. i I do not make this inquiry. 
XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. i I do not make this inquiry. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. i I do not make this inquiry. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. i I do not make this inquiry. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. i I do not make this inquiry. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. i I do not make this inquiry. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX please remove inaccurate late payment update to paid as agreed 9. The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 
10. The following personal information is incorrect XXXX XXXX XXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed 11. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 
12. The following personal information is incorrect XXXX XXXX XXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed 13. The following account is not mine US DEPT ED Account Number : XXXX Delete this account. 
14. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 15. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

This is not my account. I told the company and they are harassing me with calls that come and just hangs up after 1 ring, I call back its them. i told the rep it was not me and she insisted that I need to pay this bill or it will be on my report.
Product: Credit reporting or other personal consumer reports

Uplift reported a charge off on an account that I never opened with them to XXXX. They said that I opened an account on XX/XX/2022 but I personally didnt. Someone did and paid on the account for 11 months and stopped. I never received any information saying that an account in which I was responsible for was delinquent. I have had the same address, cell and landline for over 20 years. I have asked them for documentation and proof that I opened this account but I was advised that based on the personal information that is mine that they didnt find anything. Yet they put a charge off on my credit report. I always pay my bills on time. My email address XXXX. I want Uplift Inc to provide me with proof that I opened an account with them ( which I know that I didnt )!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I called and spoke with XXXX XXXX at XXXX, at Credit Management Resources. First of all, I never received a bill from the original creditor, confirming this, they had an old address on file from 5 years ago. I went ahead and paid the {$65.00} on my account and was promised that it would be removed from my credit file. on XX/XX/2020 the account still was showing but with a XXXX  balance. On XX/XX/2020 at XXXX XXXX I checked my credit report, and to my dismay, the account was still on the file from XXXX, It had been removed from XXXX, I called XXXX and spoke with XXXX ( I think this was her name, she spoke fast, and would not repeat her name ) She confirmed that I had a XXXX balance. I asked if they could contact the credit agency and remove the account since it had been completely satisfied I even reminded her of the conversation from earlier ( last month ), She stated that once it has been paid to a XXXX balance, they are not required to remove it from the credit file, I then asked to be escalated up to a supervisor, after about a 5 minute hold, she informed me that no supervisor was available, my response was that I would just report this to the Consumer Financial Protection Bureau. I feel that my consumer rights have been violated, I am being adversely impacted, although I have paid my debt in full. The address to the Collection Agency is as follows : Credit Management LP XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Thank you for addressing this issue and advocating for consumers such as myself. 

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

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX {$0.00} XXXX {$83.00} FIRST XXXX XXXX {$0.00} XXXX XXXX {$0.00} PORTFOLIO XXXX {$960.00} XXXX {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My home was broken into and two credit cards were opened in my name. I have disputed the account with the SYNCB for a Walmart charge card as well as submitting proof and they have refused to remove from my credits reports. The suspect for the break-in was a family member with a drug issue and would have had knowledge of all of my personal information.
Product: Money transfer, virtual currency, or money service

Robinhood XXXX took money out of my checking account on several occasions. They do not have a phone number listed to contact them to find out why these fraudulent unauthorized transactions keep happening. The company has access to my routing number and account number to submit the EFT. Fortunately my bank did a stop payment on the transactions. But this needs to be investigated and stopped. The name that appears the funds went into was XXXX XXXX. 
The amounts taken started small then went BIG. 
{$.00} cents XX/XX/2022 {$.00} cents XX/XX/2022 {$14000.00} XX/XX/2022 {$50.00} XX/XX/2022 {$60.00} XX/XX/2022 {$100.00} XX/XX/2022 {$100.00} XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 

Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 

XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding I want the XXXX XXXX XXXX XXXX  account is accurate, without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These are some of the accounts : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX
Product: Debt collection

On XX/XX/XXXX I went to an ER and had imaging from XXXX XXXX XXXX ( XXXX ). I paid said bill through XXXX which is a company that worked with my insurance at the time on XX/XX/XXXX. I retained proof of payment receiptbdor {$38.00}. I then received on XX/XX/XXXX a collections letter from XXXX are ( XXXX ) and I do not owe this bill. I have contacted both companies by email with receipts and called numerous times for help and yet neither company will do anything to help.
Product: Credit reporting or other personal consumer reports

Mailed several letters to XXXX and Transunion that the hard inquiries were not mine. These letters were first sent XX/XX/scrub>/2024. The letters had my signature attached to them. The have not complied to my request to show proof or remove the hard inquiries.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : 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.