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 confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX 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.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the cessation of the collection, sharing, and dissemination of my personal information by your credit bureau, as authorized and mandated by various statutes and regulations, including but not limited to 12 CFR 1016.1, 12 CFR 1016.13, 12 CFR 1016.14, 12 CFR 1016.15, 5 US Code 552a ( Privacy Act of 1974 ), and 15 US Code 1681a. 
As a consumer, I am entitled to protect my privacy and control the use of my personal information. Under the Privacy Act of 1974 and the Fair Credit Reporting Act ( FCRA ), I assert my rights to ensure that my personal information is handled in accordance with the law. 
Specifically, 12 CFR 1016.1 outlines the purpose and scope of the regulations concerning the privacy of consumer financial information. Furthermore, 12 CFR 1016.13, 12 CFR 1016.14, and 12 CFR 1016.15 detail the requirements for providing privacy notices to consumers and the limitations on sharing nonpublic personal information with third parties. 
Additionally, 5 US Code 552a ( Privacy Act of 1974 ) safeguards the privacy of individuals by governing the collection, maintenance, use, and dissemination of personal information by federal agencies. 
Furthermore, 15 US Code 1681a defines key terms used in the Fair Credit Reporting Act, establishing the framework for the protection of consumer information and the regulation of credit reporting agencies. 
In light of the above, I hereby request that you cease all activities related to the collection, sharing, and dissemination of my personal information. This includes, but is not limited to, the sharing of my information with affiliates, non-affiliated third parties, and any other entities without my explicit consent. 
Additionally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any given time. Hence, I am formally exercising my right to opt out of your reporting services regarding XXXXXXXX XXXX XXXX XXXX, and XXXXXXXX XXXX XXXXXXXX XXXX, effective immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint regarding inaccurate account on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. These accounts should be corrected : XXXX XXXX XXXX XXXX XXXX Balance {$47000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$28000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$47000.00} ; XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$28000.00} ; XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$10000.00} ; XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$47000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$28000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance ; {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I have contacted all 3 Credit Bureaus regarding the reporting of inaccurate and unverified information that they are continuing to report on the credit report file they maintain under my social security. I have been disputing the inaccurate public record Bankruptcy information with the credit Bureaus. 
XXXX conducting an accurate investigation and found the information to be inaccurate and promptly delete the public record from the credit file maintain under my social security number. Please see attachment. 
Equifax repeatedly stated that the inaccurate public record information is accurate and verified through a third party vendor ( XXXX ), which is a clear violation of the FCRA. 
Equifax refused to follow the law that govern its company and continues to report the inaccurate information on my credit file. 
The FCRA is clear and there is nothing to interpret or misunderstand. Each bureau does not interpret the law differently, as the language is clear as to what must be done once disputes are received. 
Equifax repeatedly refused to provide me with copies of any original bankruptcy documentations, which is a clear violation of section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the FCRA. 
I contacted Equifax and request a reasonable Reinvestigation. Equifax Refuse to verified/validate the information with the original creditor. 
In good faith, I have made all attempt to have the court verified the accurate information to Equifax. The court stated that it doesnt transmit information to the credit bureaus. Please see attachment. 
Equifax have showing negligent and willful failure to conduct a reasonable re investigate and continues to report this inaccurate information which causing severe damage to my credit report and Fico score. 
Note : I requesting that this inaccurate information be promptly DELETE from my credit report. 
Please note : This is a very serious matter. The inaccurate item must be properly Re investigate, legal verified/validate with proof or remove pursuant to section 611 of the FCRA. 
Thank you for your time and consideration regards to matter.
Product: Money transfer, virtual currency, or money service

I made an appointment with the tattoo artist and was required to Zelle my deposit to confirm my appointment. I made XXXX separate Zelle transactions for my deposit fees. When I went for my appointment the tattoo artist didnt show up nor his assistants who took my deposit fees. I called numerous times and they blocked and cut off all contacts and never refunded me my deposit fee. I filed a claim regarding this with my XXXX XXXX XXXX. They said they would file a claim against this with Zelle and there other parties bank where my funds were transferred to. XXXX XXXX XXXX emailed me today stating that they denied my claim and will not refund me my {$300.00}. This is fraud and theft. I am including proof of the transactions and the denial letter from my credit union.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two application in my XXXX XXXX for more than a year I never apply I never received and they never take out the information from my credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm making this complaint due to the fact that XXXX is reporting accounts that were not corrected, verified or removed. I do not understand how the government allows these companies to violate the FCRA when there are very specific regulations that state that they can not! 

I 've been disputing these since XX/XX/XXXX and this was never corrected even though I have pointed out numerous times to no avail. What I do not understand is that the burden of proof is on the bureaus and creditors, per Congress in XXXX XXXX TRANSUNION XXXX! 

XXXX XXXX is listed 3 times and 2 of the accounts are reported as 60 days late and have not been updated snce XX/XX/XXXX and XX/XX/XXXX. Obviously, if I were 60 days late on these accounts, there would be a balance as well as charged-off. Accounts do not just stay 60 days late! In addition, these accounts are not reported as transferred. TransUnion is even reporting both accounts with monthly payments of {$1300.00} and {$5800.00}! How can this be when the accounts are closed and have not been updated or paid on for years? 

These must be deleted immediately! I have even disputed with the creditor and have not received any replies whatsoever. I need to know why this is occuring, why these are not being updated and why they are still on my credit report after having been notified and not corrected. 

I require that these are deleted per the requirements of the FCRA immediately.
Product: Credit reporting or other personal consumer reports

I was checking my credit report and I noticed that I had a 30 day late payment on my credit report for JPMCB CARD. I called them to see what was going on and they claimed I had a {$29.00} late payment that was over 30 days out. No electronic or by mail bill was ever sent to me or else I would have resolved this immediately. They said they credited back the {$29.00} but it still gave my credit score a nasty hit. They refuse to help me in any way by accurately reporting to all 3 credit bureaus and I have never been late on any of my bills by 30 days. I tried disputing it with the credit bureaus and they initially removed it from my credit report and then added it back a few months later. I tried disputing it again and they are just kept getting more aggressive towards me and flat out refuse to help correct this issue that they have caused. I'm at the end of my rope and I have no where else to turn on this issue. I have always taken pride in keeping my credit in great shape and this is causing me a lot of issues for any furture loans I need. Any help would be very helpful and appreciative. Thank you!
Product: Money transfer, virtual currency, or money service

I was using my cashapp normally when all of a sudden my cashapp account was frozen, i then tried for 2 and a half weeks to get in contact with a support team member to no avail, i am homeless and my situation is URGENT. I still have money on my account and i thinj they stole {$760.00} out of my account, i spoke with a XXXX  member and they said that they never 'reversed ' any money, so i dont know why there was a {$760.00} reversal charge. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Refused to respond back/failed to investigate. Per FCRA, credit reporting agencies have 30 days to respond. XXXX said " give them 60 days '' and yet no response from them. It's been 3 months now. I am unable to move forward with applying for a home mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2018 i received a current copy of my XXXX  credit report. They did a re-investigation for me on an account that had fraudulent charges on it. There re-investigation shows that this account is NOT reporting on my XXXX credit report. It was deleted off the report as it should have been. However XXXX and experian are still reporting it. I attempted to dispute it again online with XXXX but they will not allow me onto the website even with a confirmation number. I am submitting this complaint about experian and XXXX as if they had done a thourogh investigation they would have received the same response to delete this fraudulent account off my credit report. I also was recently denied credit from XXXX XXXX  due to this account that dont belong on my credit report. It had caused me to be denied a credit card from them.
Product: Debt collection

At the beginning of the year I hired XXXX to help me fix my credit and remove negative items. The law firm sent out challenges, letters, etc to specific companies one of which is NCA. Fast forward to XX/XX/2022 NCA closed the account and it has a {$0.00} balance on my XXXX credit report. So I assumed the company responded or didnt respond to XXXX. 

I called the company NCA regarding an item on my credit report. The rep I spoke with read the script to me saying this is a recorded line, etc. She then stated that NCA didn't have any accounts with my name on it that they could file on my credit report. I then stopped her and said that the company was indeed reporting on my credit report. She mentioned that it was odd because the account I was speaking about was paid in full and shouldn't be on my credit report. She transferred me to have it removed but nothing happen. I spoke with them in XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

ok XXXX give information to another people and they got my identity fraud and also they put alert like 3 times and the chage my address with XXXX
Product: Credit reporting or other personal consumer reports

I am a complaint against TransUnion for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnion '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 TransUnion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I never applied for any type of credit or financing from XXXX XXXX nor did I give them permission to run my credit. 

2. I never applied for any type of credit or financing from XXXX XXXX XXXX nor did I give them permission to run my credit. 

3. I never applied for any type of credit or financing from XXXX XXXX nor did I give them permission to run my credit. 

4. I never applied for any type of credit or financing from XXXX XXXX nor did I give them permission to run my credit.
Product: Checking or savings account

To see their acceptable primary IDs list. They rejected my XXXX XXXX card, which XXXX XXXX made a Real ID in XXXX. This missed over {$8000.00} in XXXX XXXX XXXX discounts, hindering my XXXX XXXX tech startup. This will cost us exponentially more.
Product: Debt collection

on or about XX/XX/year> I was notified by XXXX that United Consumer Financial SVC had up dated a debt of about {$3100.00} owed and did not identify the source of this debt. I disputed the information with the bureau and they still verified that it was mine based on address soc, etc.I sent a letter to XXXX to request a copy of the contract w signature and no returned response. ive filed complaint w the XXXX  as well the FTC. I know that there was a data breach at the XXXX XXXX and other financial institutions I have done business with but not certain if this was or is the cause.
Product: Debt collection

Alleged Violation of 15 USC 1692g - Validation of Debt I am asserting that a debt collection attempt made by Remex Inc, breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt.

**Lack of Opportunity to Dispute Debt** Despite being approached by Remex Inc , regarding an alleged debt, I lacked prior knowledge of its existence and was not afforded the opportunity to contest it.

**Request for Certified Mail Receipt** Per 15 USC 1692g , debt collectors are obligated to furnish consumers with a written notice within five days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand Remex Inc, furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements.

**Unlawful Debt Collection Practices in New Jersey** It has come to my attention that Remex Inc , lacks authorization to pursue debt collections in New Jersey , my state of residence. Consequently, any pursuit of this alleged debt contravenes state regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

US Bancorp, inquires on XXXX XXXX and XXXX XXXX.
Product: Credit card or prepaid card

This complaint is about Synchrony Bank. I have several accounts with this bank and they suddenly closed them all XX/XX/2021. Since that happened, they have taken me off of paperless statements and after that, they also made it where I can not sign into my account properly to make a payment. I get a message that there is a problem with my account and I should contact customer service. 

This is with happening with all accounts ( I had over 10 cards with them ) when I go in to pay. I have to pay as a guest and can not access my online statements, see transactions, check pay history, and other things that I previously had access to. I called to ask why I started getting paper bills and they stated that is their policy, yet I had paperless because I don't want all of that mail and bills coming to my house. I have not gotten a reasonable explanation about the status of my account access and why I can not use my username and password to log in. When you log in as a guest, you must have your full account number, so I always have to keep the credit cards nearby which makes no sense because none of these cards are valid any longer. I should be able to cut them up and throw them away. I am being mistreated constantly by this company and for no reason. It doesn't make sense to remove my full access to accounts that I am expected to pay each month. Also, I can not set up advance payments, which can cause me to forget and miss payments.
Product: Mortgage

Roundpoint Mortgage sent my insurance premium payment to the wrong company. My provider contacted them and instructed them to overnight it to the correct address. They failed to do so multiple times, and as a result my home insurance was not renewed and my home is not currently covered. Multiple contacts have been made with Roundpoint and still the issue has not been resolved.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 



XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Incorrect Name - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX UNIT XXXX, XXXX, AZ, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX
Product: Credit card or prepaid card

very simple. I had no balance with the company. They reached out to me with a 0 % interest offer for 12 months, maybe more, with a low balance transfer fee. I moved one balance without a problem. They solicited me again with same offer. I moved another balance. Next thing I know I get a statement and I'm paying interest. 

I had no intention of moving a balance to this account for the purpose of paying interest. This was bait and switch. I immediately paid the account off and closed it. These people are scum, they've done this to consumers before, and they're doing it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX   XXXX  XXXX XXXX XXXX INQUIRES : XXXX XXXX XXXX  XXXX  XXXX  XXXX   XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX  XXXX-XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX
Product: Credit card

I was a Discover holder from XX/XX/XXXX to XX/XX/XXXX. For those XXXX years, I was never delinquent with or missed a payment. Today, XX/XX/XXXX, I am trying to increase my credit score, so I 'm investigating my credit with the XXXX major credit companies, XXXX, XXXX, and XXXX. On all XXXX of my credit reports, Discover is still reported as open, which means my line of credit is larger than what it is and that line of credit has been dormant for over three years. Based on the recommendation of the credit bureau, I called Discover to either reissue a card or report the account as closed. Using my social security number, they can not pull up any information on me. They claim that they retain users history for seven years, but can not do anything to help because there is no account information related to my social security number. Not only will they refuse to report that there is no account information associated with me to the credit bureau, but they were extremely rude and disrespectful on the phone.
Product: Debt collection

The debt collector on my credit report credence resource management and XX/XX/XXXX does not have the right to collect in the state of Mississippi per NMLS website. I would like these accounts to be removed from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX and I am sending this complaint to address an inaccurate negative remark on my Experian report. As I reviewed my recent report, I have found an erroneous information reporting on my Experian Credit Report. The payment history is stating that I was 30 days late while It is clear that the status of the account is " current '' not " 30 Days Late ''. I was never late on this account. I've already sent a request to Experian to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : 1. XXXX XXXX Balance {$340.00}