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

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

Do to these inaccuracies I am behind on several projects due to not being able to refinance my home or get approved for any type of loans pls help.
Product: Credit reporting or other personal consumer reports

I've had XXXX XXXX XXXX XXXX XXXX XXXX for many years and rarely used it. Last year in XX/XX/2023 I opted out of receiving XXXXXXXX XXXX solicitations. I was not informed by XXXX that in doing so, they would cease sending me billing statements where I could see if I had a balance due and by when it was due to be paid. It was only until I received a notice from my bank, XXXX XXXX XXXX XXXX program alerting me to a missed payment, that I was informed of a charge on my XXXX card totaling {$28.00} being past due. When I reviewed by XXXX card account, I saw that they charged me a 100 % late fee for the missed payment and reported my account as delinquent/missed payment to the reporting agencies. I called XXXX, disputed the late fee, noted that I had no other charges on the card, have never missed a payment to any of my creditors, and had an outstanding credit score. I demanded that XXXX remove the late fee and retract the inaccurate reporting of me missing a payment, given that they on their own and without my consent stopped sending me account information - which they verified was because I opted out of receiving their marketing solicitations. They apologized and reimbursed me. I was told they have no way of retracting the misinformation they reported and RUINED my credit as a result.
Product: Mortgage

I have been doing research into a mortgage refinance and spoke with an agent, XXXX XXXX at loanDepot, about rates for the loan. After sending an estimate. XXXX XXXX asked for a credit card to keep on file in the event that I decided to proceed with my refinancing application with loanDepot. He then told me that I should lock in the rate he quoted by paying {$10.00} immediately. I told him that I did not authorize that charge and would let him know the next day if I wanted to proceed. The following day I received a notification that the {$10.00} fee had been processed, per my authorization. XXXX XXXX sent me an emails stating in part, " Hopefully by saving an additional {$310.00} in price timing, you will forgive me for the sudden {$10.00}! ". Because I explicitly did not authorize this charge, I would like to warn others of this fraudulent behavior.
Product: Credit card

I opened an American Express XXXX XXXX credit card account in XX/XX/XXXX. I was promised XXXX Delta Skymiles if I spent {$2000.00} which I did back in XX/XX/XXXX. As of XX/XX/XXXX, I still have not received these miles even though an AMX rep assured me I would receive them in my account at the end of my XX/XX/XXXX billing cycle. I called XXXX on XX/XX/XXXX and spoke with a supervisor who told me the reason I haven't received my miles is my account is " under review '' for possible misuse even though I have not misused my AMX account. XXXX is engaging in false advertising by promising me XXXX XXXX XXXX and refusing to put them into my account even though I met the {$2000.00} spending criteria XXXX months ago and have maintained a {$4000.00} account balance since then. If anyone is engaging in fraud it is XXXX not me. It is unacceptable for XXXX to offer this promotion, suggest that I am misuing my credit card and continue to refuse to give me the miles and to fabricate reasons for not giving me the miles. Other prospective credit card customers should beware of XXXX and its promotional offers that they don't honor.
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is wrong and the previous addresses do not belong to me see letter attached to explain
Product: Credit reporting

sent several letters asking for verification of a discharged chapter XXXX, keep getting the same response no action taken verified, no documentation, nothing with my signature, verified with who because I contacted the US bankruptcy court and they do not verify.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Charge Offs - 15 U.S. Code 1601- did the creditor provide all disclosures necessary under truth in lending? 
I sent certified mail XX/XX/XXXX and letters throughout the month of XX/XX/XXXX asking for validation of American first finance Debt. Didnt receive results and its taking longer than 30 days. As its several inaccuracies from this account. See attachments.

This debt collector engaged unfair, abusive, and deceiving tactics that are unlawful under the FDCPA. They provided this account, for which i did not sign an agreement, and we did not agree. Two parties must sign a legal contract, and I was not involved in any of it. Furthermore, they failed to stick to the correct five-step validation procedure, which renders these activities unfair. I'm entitled to payment under the FDCPA for each infraction, and it's apparent that they broke my rights. 
I appreciate your prompt attention to this matter, and await your reply.
Product: Vehicle loan or lease

I wrote not to long ago and what I write XXXX XXXX. ..and US Bank needs to be investigated ... I know received a letter from US BANK ABOUT LOWERING MY INTEREST RATE MY CREDIT SCORE WAS XXXX .I KNEW IT. .THEY PROBABLY DID THIS TO OTHER CUSTOMERS. .FOR ME TO COME BACK LESS THAN 24HRS AND SAY I CAN'T AFFORD, THE XXXXINTREST.FROM THE BANK AT 5.9 % ..AND DENIED TO. VANQUISH THE LOAN I KNOW THEY ARE CROOKED. HOW YOU CLOSED THIS CASE BEFORE IS BEYOND ME. .XXXX XXXX CASHED MY CHECK AND THE LOAN CHECK. AND TELL ME IT'S GOING TO TAKE 30DAYS.TO RETURN IT. .IT DOESN'T TAKE 30DAYS FOR MY CHECK TO GET TO YOU.SO I HAVE TO EXPLAIN TO THE CREDIT PEOPLE WHY I CAN'T PAY YET. .PLEASE DO SOMETHING FOR THE OTHER PEOPLE TO THEY ROBBED.
Product: Debt collection

I do not acknowledge such debt. ollection letter does not include any dates of service or details of the services I allegedClly owe. This appear to be on regards to my ex dentist from who I dont receive services from more than a year ago and in every visit i had paid off the amounts owed for the services received at Dr. XXXX XXXX office. I have never received a notification from XXXX XXXX XXXX even via mail or phone informing on ahy balance pending.
Product: Vehicle loan or lease

I recently purchased a new car and have been diligently making my payments. Despite this, my vehicle was wrongfully repossessed. 

Documents attached below
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 CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that the tracking these transactions was infeasible. The CFPBs findings indicating 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 the consumers safety.
Product: Credit card or prepaid card

I was approved for American Express credit card that I did not open. I called to cancel but the credit card is being shipped to me still.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to MyEquifax, which is the company and website that manages credit reports for the credit bureau called Equifax. 

Since XX/XX/XXXX, I have noticed that my MyEquifax profile was locked, even when putting in the correct username and password, even when using the " reset password '' feature on the website and putting in all the correct identifying information, when I do this it prompts me to call the customer service phone number for My Equifax, XXXX ( see attached picture ). 

I have called the number, it always takes one hour or 1.5 hours on the phone to verify my identity, which I do successfully every time. I have asked for my online access to be restored during every one of these phone calls, I have talked to them on the phone on XXXX separate occasions during the months of : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Every single time they tell me they have submitted my request to their IT department. And every single time I am still locked out of my account. When I try to reset the password, it tells me to call their phone number, and every time I have to spend 1-2 hours of my time to freeze/unfreeze a bureau, and every single time my online access is still NOT RESTORED. 

The last time I called in XXXX, XXXX. I requested for them to delete my MyEquifax account. They said sure we have put in the request and your online account will be deleted. I did this in hopes to establish a new account since obviously they were unable to restore access to my account for 6 months already at that time. And of course, my account has still not been deleted, my online access has still not been established. 

This has causes me great harm and delays in monitoring my credit and obtaining credit products that use the Equifax bureau. It is absolutely inexcusable for any firm to take more than 8 MONTHS to resolve a simple matter such as restoring online access. It is obvious that their customer service department is ignoring my concern, or simply is unable or doesn't want to address it.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In XX/XX/XXXX I contacted Capital One Auto Finance by phone to request a payment made to cover an accumulated amount be applied properly and advised that the amount accumulated over time was reported to the credit bureaus. I was informed that the payment would be applied correctly and that only the payment amount and status would be reported monthly not any overage amount. In XX/XX/XXXX I filed another complaint against Capital One Bank on complaint number XXXX as I did in XX/XX/XXXX ( XXXX ) regarding the way information has been reported. Since XX/XX/XXXX there has been a pending investigation by Capital One Bank ( XXXX ) and is still open. As I have been pouring over previous credit reports is now clear that although balances are reported accurately the remarks have been inaccurate, misleading and harmful. Since XX/XX/XXXX my XXXX credit report which has had remarks added each month in a way that makes the comment inaccurate for Capital One Auto Finance. For months I would see notifications that remarks were made and seeing the accurate balance but did not notice the remark. After viewing my XXXX report the remarks provided information inaccurately. The remark indicates my highest balance as a recent balance and states this " High balance of {$19000.00} from XX/XX/XXXX to XX/XX/XXXX : I currently owe around XXXX XXXX XXXX XXXX dollars and will have paid off the loan in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX  has violated my rights. Or a 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

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 
ACCOUNTS : XXXX XXXX : Original creditor : XXXX XXXXXXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXXXXXX Original creditor : XXXX  - Account number - XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681IS-2 15 USC 1692g
Product: Prepaid card

Bank of America violated Regulation E by taking almost 3 years to properly investigate my unauthorized charges and atm withdrawals dispute totalling {$12000.00}. For almost 3 years Bank of America denied my claim and kept my account in a frozen status, and blocked XXXX benefits deposits from reaching my account from XX/XX/XXXX through XX/XX/XXXX, totalling {$28000.00} in lost deposits that were never recovered by Bank of America. After almost 3 years since I had first initiated a Reg E dispute with Bank of America XXXX Bank of America had finally investigated the {$12000.00} claim, however, although BofA had resolved the claim in my favor as stated across the top of the claim resolution letter, to date, BofA has only paid me {$6900.00} of that {$12000.00} claim. BofA has also closed my account without returning the full value of the claim as repeatedly promised by Bank of America on recorded lines, and has also refused to return the {$28000.00} in blocked benefits deposits. Bank of America has contracted a company called XXXX XXXX to pay me additional compensation for the all of the losses I had suffered as a result of Bank of Americas illegal actions, and has required me to submit facts and evidence of my losses to something called the Individualized Review Process. I have submitted all facts and evidence substantiating my direct and resulting losses into the XXXX, however, to date, I have not received the additional compensation Im legally entitled to, and have not been given a timeline for resolution from XXXX XXXX. When I contacted XXXX by phone, I was told that no one has been paid, that there are submissions still being worked on by XXXX from XXXX, and that it could take months or years for my case to be resolved, and that no one is given an estimated timeline for resolution.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable. 
Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction. 

I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately.

4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions. 

If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.
Product: Credit reporting or other personal consumer reports

Civil Violations 1. Fair Credit Reporting Act ( FCRA ) Violations The FCRA ( 15 U.S.C. 1681 ) ensures accuracy, fairness, and privacy in consumer credit reports. Violations include : Reporting inaccurate information : Credit bureaus and creditors must ensure the accuracy of reported data.

Failing to investigate dispute Civil liability : Consumers can sue for damages, including statutory damages ( up to {$1000.00} per violation ), punitive damages, and attorney fees. 
Federal Trade Commission ( FTC ) : The agencies can impose fines and penalties
Product: Credit card or prepaid card

On XX/XX/2020 I used the chase atm on XXXX XXXX XXXX XXXX ca to pull out {$520.00} The atm took the money out my card but never gave me my money Im banking with XXXX also known as ( XXXX XXXX ) nothing has been resolved the merchant witch is chase keeps denying that theres was an error their were people inside the branch while doing this transaction so they seen me out there trying to resolve the issue once they opened I went inside to speak to the manger and they told me since I dont bank with chase there was absolutely nothing they can do so thats why I havent said anything to chase In months they should have atleast video surveillance of my girlfriend her name is XXXX XXXX she was using my card to pull out money for our rent and this had happened we have XXXX kids so this was a major setback we borrowed money and also taxes came so that helped but still thats my whole week paycheck and nothing is being done chase should have the XXXX footage sent to XXXX or reports that they were putting money in the machine that morning but they keep denying the claim without even trying to figure it out
Product: Checking or savings account

I am filling a complaint with the CFPB regarding capital ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the electronic funds transfer act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Debt collection

I paid this contested parking ticket months ago and it was still sent to collections. After the first collection attempt I followed the instructions to prove the debt was paid and they are still attempting to collect it from me. When I call their phone number provided and attempt to speak to a human it hangs up on me every time. I want this stopped before it wrongly affects my credit. I have complete proof that the debit was paid and that the amount demanded is not correct.
Product: Debt collection

To whom it may concern, I pulled my credit report and noticed fraudulent accounts on my credit report. It is driving me nuts and I want your help I am trying to purchase a house ASAP & I just have a baby. I got in contact with them multi times and they still haven't got back to me so I am contacting you guys directly to remove the fraudulent accounts and the inquiries please and thank you.
Product: Credit reporting or other personal consumer reports

I search the XXXX data breach website and my worst fears was confirmed it identified that my information had in fact feel into the wrong hands. I will upload proof below. 

This debt furnisher/collector engaged in abusive, deceptive, and unfair practices of the FDCPA which prohibits. They furnished these accounts that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which made this unfair practice. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly, they violated my rights.