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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are 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 customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX 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 XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, 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 of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act the companies have violated my rights 15 USC 1681 Section 602 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open amend consumer credit plan as late for purpose..
Product: Debt collection

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.I have made previous attempts to fix these issues directly with them and They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTSCOMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : ( XXXX ). Since then, the account has repeatedly been updated as charged off every month. This is an updated in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. A am demanding a deletion on the following account : XXXX Account no. : XXXX
Product: Student loan

After two failed attempts to reach Mohela Student Loan services in regards to my Public Service Loan Forgiveness application, I submitted a message using Mohela 's customer service page on XX/XX/XXXX. I then submitted a follow-up message on XX/XX/XXXX to inquire about my first message. Mohela has failed to provide a response to my items, or even an update that my message was being looked into or anything. Both of my messages and a screenshot of my messages sent and any messages back to me ( there are none ) are attached for review. I'm just trying to get some help and information on all of this. Thank you, and have a good afternoon!
Product: Debt collection

THIS COLLECTION ACCOUNT DOES NOT BELONG TO ME AND SHOULD BE DELETED FROM MY CONSUMER REPORT. THESE INQUIRES WERE NOT AUTHORIZED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, have all violated my rights 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 XXXX years. 

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 XXXX years. 

15 U.S.C. 1681-2 ( 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: Prepaid card

We were given a gift card as a gift. We went to spend the card inside a store ( XXXX ) and the card was declined. I contacted the company ( XXXX  ) and asked why it was declined and how to get it to work. 
- I was first told it was declined because it was not registered. I explained that I never had to register a card before in order to use it in a store. But, I tried registering it and could not get it to submit. 
- I called back and was told that was bad information. They told me there has been a lot of fraud lately, but did not explain how that connected to the card I was given. 
- They told me that they did see the card was activated correctly, but would not give me any more details. 
- I was instructed to go online and click a button titled " Card not working '' When I do, I get a " your request can not be completed at this time. '' - I called back and was told I needed to fax in a copy of the card and my drivers license. I was not comfortable faxing in my driver 's license. And, I don't have a fax machine. 
- They are also requesting the receipt for the card. It was given as a gift and I don't have that receipt. However, they have said they could see that it was activated.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my TransUnion consumer report and noticed an item I would like to dispute. It is as follows : Creditor : XXXX Account Number : XXXX Reason : This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the reported account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for negligence. Please DELETE this item from my consumer report! 

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting or other personal consumer reports

I disputed the incorrect addresses and the credit card dept XXXX XXXX XXXX The investigation was not accurate
Product: Money transfer, virtual currency, or money service

Chime locked my account for suspected fraudulent activity and will not let me have access to my account without verifying my identity. 
On multiple occasions over the past week I have contacted Chime via phone and email to find a resolution to verify my identity I call the customer service number and they read a script no matter what I ask it's all scripted every customer service agent I spoke with gave me the same exact word for word answer. Then they sent me link via text message to upload a picture of my XXXX  Carolina XXXX issued drivers license front and back along with a selfie. When I did that they would tell me they could not complete my request to wait for an email and follow the instructions. I receive a scripted form letter and it tells me to contact customer service that they will help me resolve my issue. All the money I have is in this account and I can not buy my basic necessities to live. I havent eaten in 4 days now I haven chronic XXXX and this situation that Chime is putting me through is becoming too much for my mental state. I have sent Chime email after email begging for help and no one is reading my emails and just sending back the same generic form email. I can proved copies of the emails that I have sent as well as the emails they have responded with
Product: Debt collection

Some lady calls and says I owe money on a debt. wont ID themselves or company and says I must call back today or legal action will be taken. They call from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, TX XXXX not my address XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chapter XXXX bankruptcy dismissed Date Filed XX/XX/XXXX Date Resolvedshow tooltip XX/XX/XXXX Responsibility Joint Reference Number XXXX Reinvestigation Information This item was updated from our processing of your dispute in XX/XX/XXXX. 

On Record Until XX/XX/XXXX not names or addresses see attachments
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I found 2 accounts that i did not authorize and have no knowledge of. I disputed these accounts with the credit bureaus and also sent in my ID theft report but these items still remain on my credit reports. 

XXXX XXXX XXXX : {$6600.00} XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent 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 XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

It has need over 60 days and the information has not been updated. Please remove the negative information that is not verified or I will have to file for litigation. I filed in XX/XX/2021 and no updated information yet
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 has violated my rights. 

5 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments Account # XXXX Dear CFPB, I am writing to formally dispute inaccurate information on my credit report regarding late payments associated with my account ending in XXXX. The reported late payments for XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX are incorrect and do not accurately reflect my payment history. 
Nature of the Dispute Inaccurate Reporting : The reported late payments are erroneous. I have been enrolled in autopay for this account and have consistently made payments on time. 
Violation of Consumer Protection Laws : The inaccurate reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, which mandates the accuracy of information and requires prompt correction of errors.

It may also breach the Truth in Lending Act ( TILA ) by failing to ensure accurate reporting practices. 
These inaccuracies negatively impact my creditworthiness and financial well-being, and I am requesting immediate correction to avoid further harm. 
Account Details Account Number : XXXX High Balance : {$400.00} Date Opened : XX/XX/XXXX Balance Owed : {$100.00} Account Status : Open Payment Status : Current Disputed Late Payments The following late payments reported by TransUnion are disputed as inaccurate : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have attached evidence, including payment receipts and bank statements, to demonstrate that these payments were made on time. 
Requested Resolution I respectfully request the following actions : Conduct a thorough investigation into this matter, as required by 15 U.S.C. 1681i. 
Remove the inaccurate late payments for the months listed above from my credit report. 
Update my account history to accurately reflect my timely payments. 
Attachments A copy of my government-issued ID. 
A copy of my Social Security card. 
Proof of address ( utility bill or similar ). 
A copy of the affected credit report with the errors highlighted. 
Please provide written confirmation of the investigation results and corrections made within 30 days of receiving this letter, as required by the FCRA. Should this issue remain unresolved, I may pursue additional remedies to enforce my rights under federal law. 
Thank you for your prompt attention to this matter. I look forward to your response and resolution. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Violations FTC Action Halts Operation That Billed More Than {$25.00} XXXX to XXXX XXXX XXXX and Credit Card Accounts without Their Consent XXXX XXXX, 2013 FOR RELEASE TAGS : payday lending Bureau of Consumer Protection Consumer Protection Credit and Finance Payments and Billing At the Federal Trade Commissions request, a federal court has temporarily halted an operation that allegedly used an intricate web of concealment to debit hundreds of thousands of consumers bank accounts and bill their credit cards more than {$25.00} XXXX without their consent. The court also froze the defendants assets and appointed a receiver to control the business pending trial. 
According to the FTCs complaint, the XXXX XXXX XXXX defendants targeted financially vulnerable consumers who had never come in contact with them, and without authorization debited their bank accounts and charged their credit cards, usually for about {$30.00}. Those who disputed the charges were told they had purchased something, such as financial counseling or loan matching services, or assistance in completing a payday loan application. How the defendants got the consumers financial information is not known, but some consumers had recently applied for payday loans via the Internet, and entities that receive payday loan applications often sell the information to other parties. 
XXXX XXXX XXXX  {$4900.00} XXXX - Card Service {$7500.00} XXXX XXXX XXXX {$380000.00} XXXX/XXXX  {$10000.00} Never live at XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with XXXX XXXX. As my father passed away on XX/XX/2016, I had to travel to XXXX to attend his funeral. I was living in XXXX for 6 months to handle the legal cases regarding the heritage. XXXX XXXX was supposed to send me the e-bills through email because I had enrolled into the electronic statement when I was applying for the credit card. But XXXX XXXX stopped to notify during my travel. I became aware of the unpaid balance when I got back to my home in United States in XX/XX/2016 because I received an overdue notification from them in the mail. As soon as I paid off all the balance, they closed my account. I have made several attempts to contact them to dispute the credit reporting, they did not respond.
Product: Checking or savings account

On XX/XX/XXXX, I scheduled a deposit of {$260.00} from an external account to my Credit Karma Spend account. According to Credit Karma, my funds were supposed to be available on XX/XX/XXXX. However, on XX/XX/XXXX, I attempted to use both my physical and virtual cards at a gas station, only to have both transactions immediately declined. Despite my card not being locked, I was unable to access my funds. I contacted your representative, who reached out to XXXX to determine the issue. During the call, she provided me with two new virtual card numbers, but both were also declined. I ended up stranded at a gas station, unable to fill up my tank in the cold. This experience was highly frustrating and concerning, as the promise of my funds being available within XXXX hours of the stated date of XX/XX/16 was not fulfilled. In case of an emergency, I can not rely on my Credit Karma card for essential purchases due to this incident.
Product: Credit card

I have previously contacted the CFPB about this same complaint, but now synchrony is claiming that I never sent the required documentation, then they change thier mind and said I never sent the item back. I have proof I did both an I still have not been credited the amount of {$31.00}. I have ample documentation from them that doesnt make any sense. I will provide below the proof I sent including an email to their CEO XXXX XXXX XXXX. Synchrony bank is giving me the runaround once again and I am going to also file a formal complaint and take them to arbitration as they have not followed the law, have not credited my account and also have not resolved the dispute in accordance with set fourth laws. They have also lied on numerous occasions and have told me there is no dispute opened on the account then they sneakily send letters claiming I never shipped the item back whereas there is a times stapm on the package inside of the Whole Foods where I sent the item back in XXXX, PA. I again have sent an email to their CEO and am also highlighting the letter and PDF from synchrony bank which further proves I sent the required documentation and sent the item back. See the yellow star with black circling their erroneous claim. Again I have ample proof I returned this item. Synchrony bank needs to be held liable for their behaviors not only to me, but to thousands of others. They should have read what I sent them in secure messaging which they told me to send. Next stop is small claims court and or consumer arbitration as I have ample evidence and proof of following their policy and have already returned the item and bought a new one to make my XXXX XXXX XXXX happy for his birthday. Synchrony bank, you not only made me upset, but you have made a XXXX XXXX XXXX upset as well. Why? Clearly you can see on my XXXX account I now have closed due solely to this transaction that I ordered a new one as this was my sons birthday present. I simply do not understand why you are being so brash and inconsistent. Not to mention you also have done this to thousands of others SHAME ON YOU!
Product: Consumer Loan

Keep calling my job and I keep telling them I can get fires for them calling
Product: Debt collection

Non-stop phone calls ( from different numbers that change ) at all times of the day. Before XXXX XXXX ( many instances, one was on XX/XX/19 at XXXX XXXX ).