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

I purchased a vehicle from XXXX XXXX XXXX XX/XX/XXXX financed through XXXX XXXX. All payments were made on time through the payment portal on XXXX per instructions from the dealership. 
When attempting to make the payment for XX/XX/XXXX the website for XXXX re-routed me to a website XXXX ; not knowing what this site was, I did not input any information. I began to reach out to the dealership and company to inquire about the website rerouting to find out the following. 
1- The dealership that I purchased the vehicle from was no longer in service and not at the location I purchased from when I attempted to visit the dealership for answers. ( I am unaware as to when the dealership closed. ) 2- I began to call the number and email the website listed on my Credit report for answers ( no other contact information was ever given for XXXX XXXX ), no response has been received. Currently the XXXX XXXX website is not an active website and emails for XXXX XXXX come back as undeliverable. 
I then filed a complaint with the XXXX XXXX XXXX XX/XX/XXXX and their investigation yielded no response from the financial company XX/XX/XXXX. 
Someone called me on XX/XX/XXXX stating they were a representative of XXXX XXXX and I allowed a one-time payment over the phone, no receipt was ever received. However, I have my bank statement to show the transaction. Then without consent or communication, they processed a payment without authorization on XX/XX/XXXX to my credit card. I attempted to contact the company again, as well as attempted to log into the XXXX account to pay my XX/XX/XXXX bill, but the system does not recognize my information and again I began to reach out to someone at XXXX XXXX for assistance, I have yet to receive a response. I also called the XXXX website provider for assistance, and they have no record of my account or vehicle information in their system to assist with access and payment. 
I was never given any communication about the dealership going out of business or any changes that were being made to the payment system or website as well as instructions for the new platform or reporting structure. I have never received any communication from XXXX XXXX after several attempts. I have never received any communication from the company. I am requesting the company to send all information related to my vehicle lease. As well as instructions on how I am to obtain the title information once payments are completed. 
It has also just come to my attention that the company is now reporting negative late payments in my credit report. XXXX XXXX has not provided any information for customer support. XXXX XXXX has yet to respond to any communication attempts from myself or The XXXX XXXX XXXX
Product: Credit card or prepaid card

We received an offer from AMEX. 0 % balance transfer and {$0.00} balance transfer fee. There is no disclosure whatsoever that they limit you to a XXXX balance transfer. We have read the disclosures in full and they have agreed there is no disclosure. We were approved for a XXXX line of credit and intended to transfer XXXX. We would have never applied for this card if we knew that. Now we have an inquiry on our credit and we have disclosed all of our personal information to them. We tried to resolve this with AMEX.  We asked that they make an exception and transfer the XXXX. We also asked that they remove the inquiry on our credit report. Of which, they refused to help us with anything. We talked to 4 different people with no solution. All we were told was we can't do anything for you. We told them we were going to file a complaint and trying to resolve this with them and all they said was file a complaint. Done.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$4700.00}. 
INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I have contacted this XXXX and Transunion for the last times on XX/XX/23 to get the method of verification for the bankruptcy that is currently on my credit report. The information reporting as accurate are both reporting different reference numbers and court names. I sent them both a certified letter a few months ago and have yet to receive a response or a update to my credit report. I am requesting a deletion of any and all reporting of bankruptcy and {$5000.00} for monetary relief for the humiliation, defamation of character, and consumer violation of rights due to this being on my report. Ive been denied extensions of credit I am unable to get financing for a vehicle. Its causing stress to me. I will be filing a claim if there is no relief to this ongoing problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found hard inquiries in my experian Credit report that I did not authorize. The hard inquiry is : XXXX XXXX XXXX and it was done on XXXX.
Product: Debt collection

I have attempted many times to resolve this matter, this is an unauthorized account, I did not authorize this account, this is not my debt. The stress this has caused is overwhelming.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts on my credit file inwhich i did not authorize nor do i have any knowledge of. I'm demanding that these unauthorized accounts be removed immediately. Please remove these misplaced accounts from my credit profile. 

# 1. XXXX XXXX XXXX XXXX XXXX {$4500.00} # 2. XXXXl XXXX XXXX  XXXX XXXX {$4600.00} # 3.. XXXX XXXX XXXX  # 4.. XXXX XXXX XXXX # 5.. XXXX XXXX XXXX Acct
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my follow-up to make sure that the fraudulent items in my file are deleted. The items that I am disputing have nothing to do with me or have an affiliation with my transactions whatsoever. 

Please remove the following items : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$140.00XXXX XXXX XXXX Balance : {$130.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

hello my name is XXXX XXXX, and I recently pulled my credit report and noticed that the following accounts are reporting inaccurately. there are 6 things thats need to be removed from my credit report : 6 Us dept. of Education accounts, if you look at them everything is reporting differently on all 3 credit bureaus, you, XXXX and transunion
Product: Credit card

This complaint ID # is : XXXX. On the XXXX of XX/XX/year> I was notified via text of transactions posted to my account that were not mine. Upon calling the company, my card was inactivated and a dispute was filed. On XXXX XX/XX/year> I received an email about one of the disputes that the charge of {$150.00} ( XXXX # XXXX in XXXX, NC ) was resolved not in my favor and that no error had occurred. In addition it was stated that the charge was authorized and completed and that they are unable to pursue any recovery and that I was responsible for the charge. It should be noted that Celtic Bank XXXX XXXX XXXX XXXX Continental Finance ) was of no help when I called to inquire and that the " Back Office '' who handles this does not take any calls. When I asked for a supervisor this was basically denied stating there was nothing they could do. It should be noted, that on the XXXX there were unauthorized transactions in North Carolina, XXXX, and XXXX XXXX. I reside in NY, the card was in my possession, and no one was authorized to use this account. Common sense would suggest that it was impossible for me to have used the card in that many places in one day.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I obtained my credit report from all three bureaus XXXX, TransUnion, and XXXX and all three of them showed a bankruptcy that was reporting incorrectly. I asked all three bureaus to investigate the account with the reporting court. All three of them supposedly " Investigated '' the account and reported again next month. 
On XX/XX/XXXX I obtained my report again and asked all three bureaus to verify the account with the court once more. The bureaus supposedly " verified '' the account with the court, but no changes were made to the item in my report. 
On XX/XX/XXXX, I wrote to the court and asked them if the bureaus had verified the bankruptcy with them. The court wrote a letter to me on XX/XX/XXXX stating that neither the bureaus verified with the court, nor would the court verify a bankruptcy the bureaus. 
By law, the bureaus can only report an item in the credit report after they have verified it with the reporting entity. 
I then sent the court 's letter to the bureaus on XX/XX/XXXX asking them to remove the bankruptcy because they never verified it court and they were reporting it, which is a violation of the FCRA. I wrote to them again on XX/XX/XXXX asking them them to remove the bankruptcy. However, I pulled my credit report today. Neither XXXX, nor XXXX, nor TransUnion have deleted it yet. It has been more than 30 days.
Product: Student loan

The company is continuing to update my credit reports stating that I am 120+ days past due. This loan was paid off in consolidation XX/XX/2014. I have disputed this account several times and the company is refusing to update and report inaccurate information. This false information has caused me denials of credit. This company is in violation of the FCRA.
Product: Student loan

Hello, XXXX told me my loan forgiveness through XXXX vs XXXX was approved. My loans however are still on my credit report. Could you please assist? 

Also, an incorrect lender ( XXXX XXXX XXXX ) was on XXXX of my reports. I only had federal loans so I am unsure why this was the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, a mortgage loan officer who was pulling my credit report for a mortgage refinance from my bank informed me that there was an overdue credit line showing up on my credit report. I promptly pulled my credit reports and noted on the XXXX Report that there was a Citizens One Line of Credit that showed as opened on XXXX and was noted as 120 days past due ( as of Date Reported XXXX ) for the amount of {$490.00}. As I had not ever had or opened an account with Citizens One Bank, I reported this identity theft issue to my identity theft insurance XXXX, XXXX XXXX. They assigned a restoration XXXX ( XXXX XXXX ) with XXXX who has been attempting to assist me in contacting Citizens Bank/Citizen One Bank to report this identity theft. Both myself and my restoration XXXX have been unable to make contact with anyone in XXXXitizens One/Citizens Bank 's fraud division for almost 2 months as EVERY time we attempt to call the number provided for the fraud department, we receive a voice mail message informing us " Thank you for calling Citizens ID Theft hotline, due to increased volumes, we are unable to answer your call. '' The restoration XXXX I am working with connected me with the bank 's customer service line but b/c this account is now old/likely charged off, they were unable to assist and were also unable to transfer us to the fraud department. In addition, my restoration XXXX provided me with an email address of a department within Citizens Bank who he had had working with another of his clients who had an open case with Citizens Bank : XXXX. He suggested that I send an email requesting assistance in reporting identity theft : I emailed that address on XXXX and never received a response. I would really appreciate someone from Citizens One/Citizens Bank being able to handle a report of identity theft so that I can have this fraudulent credit line expunged from my credit report. There is absolutely no excuse for someone to not be able to report id theft to a bank but Citizen 's Bank is really working hard to make that impossible. 
After doing internet searches on issues with Citizens One Bank/Citizens Bank , I believe that someone opened an XXXX XXXX XXXX All Access account using my social security number and it appears that the only way you can open one of those accounts is through applying for a credit line through Citizens One Bank through various retailers- there is no traceability in this type of purchase. I highly suspect that this type of arrangement with XXXX and Citizens One Bank will exacerbate id theft going forward.
Product: Checking or savings account

I have a bank account with chase jp Morgan. The company closed my account of the blue around XX/XX/XXXX. I deposited a check for XXXX on XX/XX/XXXX for a car accident check. On XX/XX/XXXX 2 random deposits came into account for XXXX and XXXX. They closed the account and said we have to give 2 names which we have no idea who they are and no connection to the account. They won't even send a check for the money that was in the account.
Product: Credit reporting or other personal consumer reports

I do not own XXXX XXXX card, its own my credit report and its not mine
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I submitted a letter to Experian declaring that they had violated my federally protected consumer rights on multiple occasions by publicly disclosing my personal information regarding multiple accounts to my credit report without my written instruction. Both 5 U.S.C. 552a ( b ) and 15 USC 1681b ( a ) ( 2 ) clearly state that a credit reporting agency may only furnish and report personal information to a credit report with the written instruction of the individual as to whom the report relates. Experian has yet to take any action on the removal of these accounts from being publicly disclosed. It is Experians duty to abide by the laws that allow for consumers rights to be protected, however they are NOT. The public disclosure of my personal information is damaging my reputation and causing me unnecessary emotional and mental stress.
Product: Debt collection

Per the FCRA I have the right to request a debt validation which they say I owe, and they have not fulfilled my request. they updated my account at XXXX as verified how was the account verified?
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act FCRA to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as falling to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experians inaction violates federal law and my rights as a consumer.
Product: Prepaid card

I received XXXX American Express gift cards from my boss as a gift. I tried using them and they declined everywhere. I tried checking the balance and activating the card on the American Express website, but it did not work. I called their customer support, and the representative told me that the card was " closed '' and the balance had been sent to unclaimed property. I told her that I am confused, because the card expires in 2029 and the back says the funds never expire. She would not answer my questions and said I have to contact my state unclaimed funds. I don't know how I could do that when the card was a gift, since it is a gift card I don't know who the funds would be associated with. 

There are XXXX gift cards, their numbers are as follows : XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and California Laws Dear XXXX, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the California Consumer Credit Reporting Agencies Act ( CCCRAA ) under California Civil Code Section 1785.20.5, and identity fraud laws, specifically California Penal Code Section 530.5. 

It has unequivocally come to my attention that XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, California state law, specifically California Civil Code Section 1785.20.5 of the XXXX, emphasizes the necessity of consumer consent for credit reporting. Furthermore, California XXXX XXXX XXXX XXXX underscores the severity of unauthorized access and misuse of personal information, which is classified as identity theft under California law. 

I assert with unwavering certainty that I have not provided consent for XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that XXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and California Civil Code Section 1785.20.5 of the CCCRAA. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, California state law, and identity theft laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Debt collection

Walmart card services continues to report conflicting information between the XXXX credit agencies. They have independently verified reported Information, to XXXX, XXXX, & XXXX ; even though information reported to each credit reporting agency is incorrect, and/or conflicting. They report to XXXX that my date of XXXX delinquency for their Walmart credit account # XXXX is XXXX. They report to XXXX & XXXX that my date if XXXX delinquency is XXXX. AFTER REPEATED DISPUTES & COMPLAINTS, They respond with, " This account has been transferred. '' ********HOWEVER, the factoring company can not, fix the information reported by the original creditor!!!! THE ORIGINAL CREDITOR MUST DO THAT, or delete their account off of my credit reports!!!!! XXXX Note : Walmart credit services, the factoring company on this account can not change information that you have reported, YOU MUST DO THAT!!!!!!! Yes, ... YOU!!!!!!!!!
Product: Credit card

There were about 18 unauthorized transactions that occurred during the month of XXXX and XX/XX/2023 on my Barclaycard XXXX credit card ending in XXXX through XXXX payment system. These unauthorized transactions from XXXX payment system were not purchases and no sort goods or services were received but they were cash advances with fees and interest on XXXX system. It happened that out of these 18 disputed transaction, 12 of them has been resolved and XXXX refunding the amount, to my dismay 6 of the same set of transactions were not resolved, and these are the transactions not resolved : XX/XX/XXXX When I inquired why there was such inconsistency in how the claim was handled leaving out 6 of the same status of unauthorized transactions, they kept going back and forth from their dispute team to the fraud team. I had to refile these outstanding claims but have not received any letter from the financial institution to acknowledge that they are working on the resubmitted claim or received a temporary credit for the disputed amount while the investigation is on resulting in interest charges on the disputed amount. I am looking for answers hear, and why the silence and inconsistency.
Product: Credit card or prepaid card

On or about XX/XX/2023 contacted XXXX XXXXXXXX XXXX re a XXXX settlement of a XXXX balance on a BJs my perks CC. 

XXXX accepted the funds, paid by a bill pay check that cleared in XX/XX/2023. 

Thereafter, the account was still open and then became delinquent. 

I contacted XXXX on around XX/XX/2023 for an update as to why the account was still open. I kept paying on the account so as to not ding my credit. Sometime thereafter the account was transferred to Capital One.

I was contacted Capital One [ XX/XX/2023 ] ( the successor ), and they stated that based on the information they received from XXXX, they will not honor the settlement. They further instructed me to contact XXXX. I did. XXXX told me to do a credit dispute with Capital One and that the account was indeed settled. 

My credit has taken a ding and I am out of nearly $ XXXX with this settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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.