23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

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

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

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX Balance : {$850.00} XX/XX/XXXXXXXX Balance : {$1500.00} XX/XX/XXXX/2024 XX/XX/XXXX/2024 XX/XX/XXXX XX/XX/XXXX/2024 XX/XX/XXXX/2024XX/XX/XXXX8/2024 XX/XX/XXXX XX/XX/XXXX2024 XX/XX/XXXX/2024 XX/XX/XXXX/2024 XX/XX/XXXX XX/XX/XXXX/2024 XX/XX/XXXX/2024 XX/XX/XXXX/2024 XX/XX/XXXX XX/XX/XXXX2024 XX/XX/XXXXXX/XX/XXXX/2024 XX/XX/XXXXXX/XX/XXXX/2024 XX/XX/XXXX/2024 XX/XX/XXXXXX/XX/XXXX/2024XX/XX/year>
Product: Consumer Loan

I leased a car from Hyundai Finance. When it was near lease end I inquired about purchasing the car ( XX/XX/XXXX ). I asked ( over the phone ) Hyundai to mail me a buy out package, they indicated that it would take a week to get the information in the mail. I contacted my bank later and got their fax number ( I do not have a fax ) and called Hyundai again and had them fax the information to the bank. The bank received the information and sent the payment asked for in the information to the address that Hyundai provided. Hyundai in turn cashed the check and called me back saying they wanted more money. By NC law I was the owner of that vehicle because they made an offer and accepted the payment. However I can not afford to sue. After some time with phone calls to Hyundai. I finally got them to return the money, during this time I had already had to make a payment to the bank. On XXXX XXXX the bank received the money from Hyundai my loan ( minus the interest I owed the bank ). They immediately started harassing phone calls because now I was " behind '' in payments. On XXXX XXXX the bank finally cleared the Hyundai payment. I then sent in a check for XXXX which Hyundai credited XXXX XXXX. On XXXX XXXX I traded the car at a local XXXX dealership. the dealership was then responsible for the car. It was not until XXXX XXXX I received a letter from XXXX saying the car was paid off. I have subsequently checked my credit report and Hyundai reported me for Late payments in XX/XX/XXXX, and XX/XX/XXXX while all of this was going on. They refuse to remove that information as I have filed disputes with all XXXX credit agencies.
Product: Debt collection

I had couple collection companies calling me about the debt to the original creditor XXXX XXXX for the amount of {$550.00} and then last person that call me said that I owe around {$900.00}. 
I personally call XXXX XXXX and they told me that I had pay that debt, also I have a letter confirming that I make that payment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

Dont close this complaint this is a legitimate complaint i followed the ftc process to file this complaint and you guys keep closing it with out submitting it to the credit reporting agencies. This is not coo or fair. however i am a victim of identity theft and need the following accounts removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX XXXX XXXX reported unrecognized hard inquiry on my XXXX  credit report
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 recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle, numerous times and reporting discrepancies, my financial institution in Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible, and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. this lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

LITIGATION I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens ( mo ) 281 SW 715,719. I presume no evidence of the Alleged Debt therefore exists According to 15 US Code 168c-2, this is my statement that all of the listed accounts have been reported without my expressed written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer.

Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. You are using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. *Purchase Agreement* Evidence that you are a licensed debt collector *Chain of Title* Proof that you are a license debt collector to collect in my state. *A requested copy of your State Department of Commerce and Insurance Certificate . THIS IS A REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C. $ 9-210. This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines PERMANENTLY DELETED from my consumer report.
Product: Credit card

In XXXX, I was overcharged by XXXX XXXX XXXX XXXX, an in-network provider under my XXXX XXXX XXXX  XXXX My Explanation of Benefits ( EOB ) stated I was responsible for {$140.00}, but he charged me {$230.00}, exceeding the EOB by {$84.00}. When I attempted to address the issue, XXXX XXXX was dismissive, stating, This is XXXX, get with it, and refused to refund the overcharged amount. He also aggressively pressured me into providing my credit card information virtually. Despite my insurance company and bank attempting to resolve the matter, he ignored their outreach. I am concerned this could indicate fraudulent practices and request an investigation.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

Illegal 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting

I have disputed with the credit bureaus a collection from XXXX multiple times, due to the fact I have been unable to obtain any information on the alleged debt. Each time I have gotten the responce that it meets fcra requirements. One XX/XX/2017 I made a cfpb complaint against XXXX. The company was unable or refused to respond, and their information was forwarded to the ftc Consumer Sentinel Network. I am curious how the credit bureaus where able to obtain information from the company when they refused to reply to a federal agency. The cfpb complaint number for XXXX is XXXX.
Product: Credit reporting

I filled Chapter XXXX bankruptcy in XXXX and was discharged in XXXX. I included all debts including the referenced account XXXX XXXX which has now been removed from my credit report previously. The account is now showing back and is duplicated -showing as XXXX negative accounts both owing the same amount of {$5500.00}. 

Open Account # XXXX {$5500.00} Balance XXXX XXXX Original Creditor {$5500.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 
Responsibility Consumer disputes this account information Remarks Account # XXXX {$5500.00} Balance XXXX XXXX Original Creditor {$5500.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 
Responsibility Consumer disputes this account information Remarks
Product: Checking or savings account

I have had ongoing issues for approximately 3 weeks with USAA locking me out of my bank accounts ( checking and savings ) and the mobile app. This morning I discovered that USAA initiated a " security review '' on XX/XX/23 and I am unable to log into my accounts for 7-10 days from that date.
Product: Credit reporting or other personal consumer reports

I need your support in addressing the wrong account being listed on my credit report. This has negatively impacted my reputation, and I rely on your help to resolve this. The mismanagement of my credit report has caused significant harm, and these issues must be fixed so I can live without further disruptions to my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

SO I have been receiving calls that i'm applying for car loans and i'm at work and i called the credit bureaus to have an fraud alert put on my accounts and to notify me if anyone tries to apply for credit but that went in vein. I have 31 unauthorized inq from car places that i didn't do and the police said I can't get a police report and the credit bureau is saying i need it in order to have these removed so I stuck and not sure where to go from here. I just would like for all the inq to be removed from my equifax account. ( 31 )
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy 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

This account is reporting fraudulently. This account is not mine.
Product: Checking or savings account

I opened a high yield savings account. After I transferred the money. They closed the account. It has been almost a month before I got the money back and no information in why they closed the account.
Product: Credit card

After acquirring XXXX XXXX XXXX XXXX on XXXX of this year Synchrony Finacial has called and harrassing as many as 6 times a day. Even after we have given them the information that XXXX XXXX XXXX told us to tell them they continue to call multiple times a day.
Product: Money transfer, virtual currency, or money service

Hi, since XX/XX/2023, I have been trying to move my Bitcoin holdings out of Paypal and they do not let me transfer it. 
I have contacted them several times through message center and several phone calls and still can not transfer out my Bitcoin out. 
They always lie and say, wait couple of weeks, wait couple of weeks. 
It has been about 3 months and still no resolve. 

They do not even try to help me with this issue. 

Please help, it is over {$8000.00} in Bitcoin that they hold without my consent!
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I set up a payment for my state Taxes for my small business on XX/XX/2023. Shortly thereafter PNC Decided to freeze my funds because of a dispute regarding the proof of identity and my address documents which I sent in. 

As a result I have been assessed a {$50.00} NSF fee from the State for the electronic transfer not going through. This is the direct result of PNC Bank 's unlawful freeze of my funds which have now caused me a financial loss.
Product: Student loan

My loan servicer is XXXX which is reported accurately however a portion of the loan is being reported by an unknown servicer XXXX XXXX XXXX XXXX and the balance is inaccurate
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 XXXX : XXXX Account XXXX : XXXX and list of Inquiries. 

XXXX XXXX XXXX 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 seven years.

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

Inquiries that were not authorized by me and that even though I have asked XXXX XXXX XXXX to remove them from my credit report, they have not done so to date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

The reason why I would like to file a complaint with your office is due to its relationship to my time in service. I had a direct deposit account that was established after being assigned to XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX  XXXX XXXX XXXX, which was located in XXXX, MD. Today, there are no records of having such an account neither in XXXX archives nor in my 201 personnel files. As well, I no longer have standard information in my civilian records. Unfortunately, this incidence would go unaddressed until XXXX. However, this letter represents my first official efforts to readdress it as a separate concern. 

Apparently, my personal bank account was deleted from the archives of XXXX XXXX XXXX XXXX now XXXX XXXX XXXX. XXXX XXXX XXXX XXXX investigated my concerns and found that no such account existed on record, neither on file nor in their archives. Later, as the new XXXX XXXX XXXX, the administration claims to have no records of my account, and refused to investigate my concerns further. I was told by the administration that, at times, such information often gets lost, particularly, when bank accounts are dated and abandoned. 

However, I contacted the XXXX XXXX and XXXX XXXX ( XXXX ) on the matter. I then requested a copy of my LES records. I was given an online account. Weeks later, my LES records were posted to my online account by XXXX. Records showed that I had an account at XXXX XXXX XXXX XXXX, at least, since XXXX. However, an administrator at the XXXX XXXX XXXX refused to address my concerns. I was then told to retain the legal aid of a lawyer. And, such efforts have been met to no avail. 

I believe the lost of my account is attributed to an alleged incident that occurred between XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX  and myself. This incidence occurred during the latter half of my last tour of duty ( XXXX ). 

Dates for lost account starts at XXXX through XXXX, but needs to be addressed starting from XXXX through XXXX, totaling approximately 47 thousand. I also deposited funds into my account from civilian employment, college rebate checks, et cetera. 

The problem was addressed via The Inspector General Office, XXXX XXXX XXXX XXXX, and directly with the credit union. 


PS : I do have a copy of my Master Payroll Account Records available through snail mail for your review. Or, it can be attained directly from XXXX.
Product: Mortgage

I closed on this loan on XX/XX/XXXX with the XXXX XXXX. On XX/XX/XXXX, I received a letter from XXXX XXXX stating that the loan was transfered to Gateway First Bank> The letter also stated that nothing else about my mortgage payment will change. I received a letter from Gateway XX/XX/XXXX stating the same. 

Sometime later I received a letter from Gateway First Bank stating that my property insurance had expired and I needed to purchase property insurance, including wind and hail. As this was not the case, I assumed that they had made another error ( In XXXX they had made a mistake with the escrow, collecting my mortgage payment and placing it in tax escrow. I am 100 % XXXX XXXX XXXX exempt from taxes and the initial loan was written without a tax escrow. This was rectified ). 

On XX/XX/XXXX, I received another letter stating that the property insurance was expired on this property and I needed to purchase wind and hail. They, Gateway First Bank, had purchased wind and hail for me and I would be responsible for the charges. I phoned Gateway on XXXX and spoke with 4 cus service reps who informed me that my homeowners insurance did not include Wind and hail coverage and that I had to purchase it. I explained to them that I was informed by XXXX XXXX that I did not live in flood or XXXX XXXX and I was not required to purchase wind and hail to close on my loan. I closed without wind and hail coverage. Each individual at Gateway Bank explained that it XXXX not have been required with XXXX XXXX, but now that they are servicing the loan, Gateway requires it. They repeated over and over that I need to purchase wind and hail because they have purchased it on my property, since XXXX, and I would be responsible for payment of the policy they purchased. I made them aware that all correspondence from both the previous bank ( XXXX XXXX ) and themselves ( Gateway First Bank ) stated that nothing about the mortgage loan would change, just who collects it. They continued to express that their bank ( Gateway ) is now requiring wind and hail, although I was not required to have it with XXXX XXXX and it closed. I also asked them to provide documentation to show that this coverage is required on my loan after closing or to have the situation escalated to be resolved. They refused.