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 XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Purchased a 2017 XXXX XXXX XXXX with the organization XXXX XXXX located at XXXX XXXX XXXX XXXX XXXXXXXX NJ in XX/XX/202. VIN # XXXX I was provided XXXXXXXX XXXX when the car was sold. A little over 1 yr I was in a minor finder binder when my car was hit by debris ( tire thread ) which caused some minor cosmetic damage to the vehicle. When I took the vehicle to be repaired the auto collision that my insurance provider recommended began to do the repairs they discover additional damage that was not done by my accident on the other side of the vehicle that they considered irresponsible of the dealership to have sold me an unsafe vehicle. The reinforcement bar as well as other structural components of the car which is designed to crush in a specific manner to ensure the occupant is safe in a crash was compromised from the previous impact to the front end. The reputable collision center specialist opinion said that the vehicle would have not been able to sustain another impact in that era. 

" Good morning XXXX, Attached is a copy of the estimate on the additional damage that you authorized us to repair on your vehicle. I looked over the XXXX you sent me and there was nothing about recent front right damages. Your car was involved in two accidents with the original owner, left front and right rear side. It looks like they sold or traded the car in after the second accident. 

Somebody had to have replaced only the front bumper cover in an effort to hide the additional damage to the inner components and right headlamp. I would start with questioning the place where you bought the vehicle. We still have the damaged parts that we replaced. We could put them in your trunk if you like plus we have photos of everything as well. 

Please feel free to call me if you need to. I will be happy to help you in any way I can. 

Sincerely, XXXX XXXX XXXX State Licensed Appraiser # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone # XXXX XXXX Fax # XXXX Shop Hours Monday to Friday, XXXX to XXXX We repair ALL makes & models. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I attempted to purchase a new cell service plan from XXXX XXXX which requires a credit check. I tried to unlock my Equifax credit report freeze myself on line but their site would not allow it and said to call them. I called Equifax and after XXXX minutes of working my way thru their misleading and confusing phone system and saying no to attempts to upsell me, an agent was reached. After being on hold for a XXXX minutes was assured that it was unlocked. However, it was not. This same routine was repeated multiple times each day on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. The conversations were also complicated by a language barrier. The employees did not speak XXXX that was clearly understandable. Twice during this period ( on XX/XX/XXXX & XX/XX/XXXX ) I managed to reach a higher level agent and each tried to get the credit report released. After being put on hold multiple times both said the freeze needed to be addressed by a technician. A promise was made by each agent to get it fixed by the next day then call and let me know. No calls were received and my credit report remains frozen as of XX/XX/XXXX at XXXX. This treatment is totally at odds with the service Equifax promises on their website. In effect they have stopped me from purchasing products I want and need.
Product: Credit reporting or other personal consumer reports

I had filed a complaint to you about a XXXX  XXXX being reported under Public Records on my report. This XXXX  XXXX never happened and should not even appear on my report. I have not gotten the resolution from you and it says I don't have open complaints.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit, which highlights significant shortcomings in the platforms consumer protection practices. 

Despite being a frequent user of Zelle and reporting discrepancies to both my financial institution and Zelle, my claims were not adequately investigated. I was informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. This response demonstrates a lack of accountability and transparency, which is deeply troubling. 

The CFPB findings further reveal that Zelle has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This neglect to safeguard consumers and address fraudulent activities effectively is unacceptable. It raises serious concerns about the safety and reliability of the platform. 

I urge Zelle to take immediate and substantial steps to address these issues, including improved dispute resolution processes, enhanced consumer protections, and greater transparency. Consumers deserve to feel secure when using your platform, and the current handling of disputes fails to meet that standard.
Product: Credit card

American Express ( Amex ) failed to follow their term in their letter dated XXXX/XXXX/2015 ( copy sent earlier ). All their past responses to this complaint are irresponsible. Therefore, I will continue to file this complaint until Amex becomes responsible and transfers the XXXX earned rewards points to my open Amex account. 

I am in full disagreement with Amex 's failure to transfer XXXX earned points from my closed Amex account # XXXX to my open Amex account # XXXX ( copies sent earlier ), because Amex stated in their XXXX/XXXX/2015 letter, " that as per the XXXX Terms and Conditions if you cancel your enrollment in the program and do n't keep open any American Express Cards, all points in your program account will be immediately forfeited ''. The key word in this quote is the word " any '', which pertains to my open Amex account # XXXX. On XXXX/XXXX/2015 I advised Amex in my letter ( copy sent earlier ) of this open Amex account. 

Amex needs to transfer my earned XXXX points to my open Amex account # XXXX per their terms and conditions. If then they are not in compliance with Federal banking laws.
Product: Credit reporting or other personal consumer reports

Upon denying me a credit card for XXXX, I accessed XXXX to get the direct link for my XXXX free credit reports. Which XXXX of the XXXX came about easily as usual, but Experian refused to give me my free credit report, saying that the info I provided didn't match their current records. 

On XX/XX/year>, I was robbed and carjacked at gunpoint, I've already filed multiple identity theft reports at XXXX, already have ongoing law enforcement investigations and current court proceedings for 1 of the 3 criminals whom have been caught and are being charged with my case.

I tried to call, text, email, Experian about accessing my credit report and even though, every business has full access to my experian credit report for when they keep denying me credit, I still have XXXX access to my experian account. 

And experian is providing me with XXXX solutions to regain access to my report nor to my experian online account.
Product: Credit card

My card was stolen a few months ago, which I reported to my Best Buy Citibank card. I also submitted a dispute of the fraudulent charges. Today, they added those charges back to my account and proceeded to take a minimum payment autopayment of {$920.00}, when it is only supposed to be {$200.00}. I did not receive any notice that these fraudulent charges were added back to my account, nor that my payment would be so high. I was notified by my bank of the transaction. They failed to remove these fraudulent charges, failed at providing notice that they were being added back to my account, and failed to inform me they would then be charging me almost {$1000.00} for a minimum payment. My new card has yet again been compromised as there are now additional fraudulent charges for some " XXXX payment ''. I want those removed. I want this payment returned immediately and will pay the required {$200.00} minimum payment. I will no longer enroll in autopay as they seem it is ok to take as much money as they want at any given time. IF this is not handled accordingly I will be filing a lawsuit as they failed to give notice of any of these actions. I have gone through my letters they provided and downloaded every single one, not one of them has information pertaining to these charges being added back to my account or that they were deemed my responsibility since my card was reported lost/stolen. I cant even dispute these again because the old card no longer shows on my account, and those were the reason the card was reported lost/stolen to begin with
Product: Debt collection

I have contacted the below companies requesting detailed information regarding the alleged debt owed. 

I never gave XXXX XXXX XXXX or XXXX XXXX permission to release my information to a third party. I asked the collection agencies to provide proof that I signed documentation releasing my personal medical history. I also forwarded a copy to the credit bureaus and they did not follow through with the proper investigation. XXXX XXXX XXXX and XXXX XXXX refused to contact the insurance company to receive payment of services yet has elected to push the responsibility on me. I provided the information from XXXX and they said they never heard back to send payment information. I have attached proof from XXXX regarding my hospital claim for XX/XX/XXXX. 

The collection agency did not provide proper proof as requested in detailed letter dated XX/XX/XXXX. This was my third request. I have attached the documents I received regarding XXXX  XXXX. I never received any follow up information from XXXX XXXX or XXXX XXXX.
Product: Debt collection

Never received a notice of debt. Debt was sent to collection agency two years later
Product: Debt collection

XXXX  sent me several letters on my account stating that it is closed because of money that I owed them. I contacted them and requested to dispute the transactions, but they were unable to assist me further and proceeded to mail me more letters. I mailed a letter back stating that I will not pay them what I owe because I did not authorize it and they sent more letters to me, this time to my different address.     This is leading to harassment because I asked them nicely to stop the first few times
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whomever Concerned Please Please understand that AVANT has misused my consumer credit report in multiple ways without any consent. Causing a deformation of my character, in which Im denied credit by multiple companies. AVANT claim an account using my personal information was opened online. In XX/XX/XXXX AVANT claimed the account went into negative causing them to add a derogatory mark on my credit report per in XXXX in which doesnt makes sense. In without my permission. Upon further research, on XX/XX/XXXX I asked the company AVANT in writing to verify this account. In which the account stated I owed a balance of XXXX dollars. After the 30 days I than demanded for this account to be removed from my credit report, due to the that AVANT has sold this debt to a collection agency by the name of XXXX XXXX XXXX XXXX XXXX. Again without any permissible purpose. Avant- continues to tell lies and refuses to remove the account they can not verify. XXXX XXXX XXXX XXXX IS CLAIMING THAT AVANT HAS SOLD THE DEBT TO THEM. IN WHICH IS ON MY CREDIT REPORT AT THE MOMENT AVANT IS IN Violation of MY RIGHTS AND BROKE MULTIPLE laws. THEY HAVE SOLD THE DEBT TO ONE COMPANY AS ANOTHER COMPANY CLAIMING THEY HAVE SOLD TO THEM. THIS ACCOUNT NEEDS TO BE PERMANENTLY MOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXXXXXX Balance : {$37.00} ; ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX ; ; XXXX XXXX XXXX XXXX XXXX PL XXXX, FL XXXX ; XXXX XXXX XXXXL XXXX, HI XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX ; XXXX  XXXX Balance : {$270.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$230.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00}
Product: Credit reporting or other personal consumer reports

This is an erroneous account that is in my name. I have never had an account with XXXX XXXX and this is ruining my credit score. The account was opened in 2021 and I was not made aware until I was looking for an apartment and noticed my credit score had dropped. I disputed the score and the account was closed and I thought it was the end of it, but now that I'm looking for a mortgage I've been told this is still an issue. I have disputed the issue at all three credit bureaus again, and wrote a letter a few weeks ago to XXXX XXXX that I'm still waiting to hear back on. I have never had an issue with payments before and this is very clearly an account that I did not open.
Product: Credit card

I disputed the account and asked for proof of charge off and to update the balance to {$0.00} or delete the negative payment status on the account. 

KOHLS/CAPONE Charge account with account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Recently noticed I was a victim of identity theft because of the various data breaches. I sent in the proper documentation but the credit bureaus ignored my documents and failed to remove all of the inaccurate, fraudulent and unauthorized accounts. therefore, I sent in a letter to each bureau asking for the steps the took to verify the info but I never heard back from them and they continue to furnish inaccurate items on my report when I know they are supposed to only report 100 % accurate items. its been more than 30 days since I sent my documents! this is ruining my reputation and I need these accounts remove expeditiously
Product: Credit reporting or other personal consumer reports

Upon checking my XXXX and Transunion Credit Reports on XX/XX/XXXX, I noticed several unauthorized inquiries on my credit reports I did NOT authorize or recognize. I also know according to the FCRA, these unverified and unauthorized items must be removed. I also noticed a credit collection in the amount of {$540.00} from XXXX XXXX XXXX ( original creditor XXXX XXXX ) that I do not recognize that does not belong to me that needs to be removed immediately. I have placed security freezes on both credit reports as well as filed an FTC report and contacted the Creditors but did not get any resolution. The XXXX  Inquiries listed on my XXXX credit report that are unauthorized are : XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The XXXX inquiries listed on my TransUnion Credit report are : XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX CXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX, XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX O XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX TXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXXnquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX The FTC Report Number for XXXX is XXXX. The FTC Report Number for Transunion is XXXX...
Product: Mortgage

The lender has not provided a response the our QWR request and initiated foreclosure within the early intervention period in violation of Regulation X , 12 C.F.R. 1024.41 ( f ).   Your client failed to provide  XXXX   XXXX  with a  Post-Foreclosure Referral Notice in violation of 12 C.F.R. 1024.39 ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on requested documentation of the information each credit reporting agency used to validate information on my credit report, in accordance with the United States Fair Credit Reporting Act ( FCRA ), 609. Disclosures to consumers [ 15 U.S.C. 1681g ]. I have submitted 3 separate requests for this information under 609 of the FCRA. Each time these company 's have responded stating they do not understand the request ; or they processes these requests as a dispute, and then report that the information was validated, refusing or failing to provide the information they used to validate the accounts, as required under 609 of the FCRA. 3 separate requests were submitted to each company ; one in XXXX, one in XXXX, and one in XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit card was opened in my name on XXXX I did not authorize to open. The credit card was opened under XXXX XXXX  ( XXXX ) a XXXX XXXX XXXX. I had spoken to the credit card company and they have flagged the account and closed it. I additionally spoke with the fraud department at experian credit bureau.
Product: Credit reporting or other personal consumer reports

i am not liable for this debt, i do not have a contract with this company, according to FCRA USC 1692 ( B )
Product: Credit reporting

I paid in full and closed a credit card account with XXXX Bank. Now as of XX/XX/2016 they are reporting it as 60 days late. How can a closed account have a status of 60 days late. 
I contacted the bank and credit bureaus with NO resolution
Product: Checking or savings account

I'm writing in hopes of getting an issue resolved. For several months my account was charged without my consent due to screen mirroring on my device ( it was hacked ). I didn't receive any notifications to alert me of the transactions. This was a secondary account so basically it was used as a savings account. I notified the bank and did a claim which was denied. I later filed another complaint ( rebuttal ) on XX/XX/2021. During the process of filing the rebuttal doing a thorough check of my account we came across some more new transactions form a merchant that weren't in my previous claim. Another claim had to be escalated making the claim for the rebuttal and another new claim for the latest charges that appeared on the account. During the process of each claim the bank didn't provide me with a temporary credit as stated in their policy, it was as if it went null and voided or appeared to only for a " selective few ''! I later received a letter for the smaller claim with the claim number used for the rebuttal. It stated " My claim had been denied because the merchant returned the funds '', therefore they no longer needed to move forward with the claim. This information was totally inaccurate the merchant did return the smaller claim but not the initial claim on file for over XXXX. XX/XX/XXXX I contacted the financial establishment spoke with another representative that looked through the account and stated the MERCHANT NEVER RETURNED ANY MONEY, therefore they're going to do another rebuttal and have it escalated the information in the system at this point was very conflicted. Even the agent was confused. There were overdraft fees which were never reimbursed that were astronomical. I'm highly frustrated and now seeking a physician for the stress this has caused me. In these difficult economic times I would've like to believe I would be protected by my financial institution but instead I feel as if I've been victimized twice. SUNTRUST what a name with a lack of!