23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

In XXXX I got sick with XXXX. As a result, I was in the hospital for two months in a coma woke up, realized that I am XXXX XXXX XXXX at this time. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im a XXXX XXXX so when I got home, I still had no money to pay for my loan so I allowed them to come and repossess it I worked in the car industry for XXXX years. I know how it works when they come, and they repossess the car. They sell it at auction and they make all their money back. They are double dipping and its not fair. I live on a fixed income with XXXX, struggling to pay medical bills.
Product: Debt collection

The collection agency is not licensed in my state and I am requesting it to be deleted from all 3 credit bureaus.
Product: Vehicle loan or lease

I am still being contacted by XXXX XXXX, and I know it`s going to be the same response. He refuses to lower the monthly payment. He insists that wells Fargo Auto Finance was 'not present when the loan took place '. This still holds no water. Wells Fargo Auto Finance could see my credit score, and by looking at my banking records before I closed my checking account with wells Fargo. 
I have repeatedly told him that I did not receive the sales paperwork until two weeks after the deal was done. The car dealership also forged how much I make each month, along with how long I was employed, which was only one month with the healthcare agency. I highly suggest they either refinance this loan or lower the monthly payments as I am on XXXX. 
I have my award letter as well to show the judge that I didn`t make anywhere near the amount that was on the Loan Application. No Home health Aide makes {$4000.00} a month, and I can barely get by without working a lot of overtime to pay my monthly rent. I`ll be XXXX years old this month, and this, I feel is taking advantage of me not only as being XXXX, but as a XXXX XXXX.
Product: Debt collection

On XX/XX/2021 while at work I was called on my personal cell phone by a man who represented himself as calling on behalf of a Law Group. Through out the exchange he continued to emphasize that this was a law firm of some type that represented creditors. I subsequently learned that the call was in fact at the behest of XXXX XXXX XXXX, a collection agency based in California. 

The man on the call alleged that this debt is originally owed to Wells Fargo. I closed my accounts with Wells Fargo in 2011. At that time the bank made no mention of any amount I owed. 

I believe XXXX XXXX XXXX probably knows I don't have an outstanding debt to Wells Fargo, but they must certainly know that even if there were such, it would be time barred in any state they might claim it applies in. 

I am mailing off a letter disputing the debt to XXXX. I also am requiring documentation.
Product: Credit reporting or other personal consumer reports

After taking a trip to XXXX I was notified by creditwise through my credit card app that a XXXX XXXX and a XXXX XXXX card had been opened under my identity. I disputed the XXXX XXXX and it was taken care of ( this actually happened twice within a few month span ) This was removed from my credit report. 

My first step was to Call XXXX and have them open an investigation. 

I then opened a dispute with Transunion on XX/XX/2023 when I because aware of the issue. File # XXXX. They verified the account as accurate and updated which is incorrect. 

I then filed multiple disputes with XXXX on XX/XX/2023. Report Number XXXX. All of which were deleted from my report, please see below. 

XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Deleted This item was removed from your credit report. 

XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Deleted This item was removed from your credit report. 

XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Deleted This item was removed from your credit report. 

XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Deleted This item was removed from your credit report. 

I then filed another dispute with XXXX XXXX XX/XX/2023. Report XXXX XXXX. During this dispute they removed another " XXXX '' fraudulent account along with a XXXX account. 

For some reason they did not remove the XXXX XXXX account but instead said it was verified and updated. Please see below. 

XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Deleted This item was removed from your credit report. 

XXXX XXXX Account XXXX Verified and Updated The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

XXXX Account XXXX Deleted This item was removed from your credit report. Please review your report for the details. 

XXXX is showing the account as closed. I don't understand how the different bureaus are showing this in different statuses.
Product: Debt collection

XXXX XXXX hasn't sent any correspondence in reference to this debt and hasn't responded to the letters sent. The debt was opened XX/XX/2015 for {$630.00}. I've sent correspondence requesting original contract/signature and no response.
Product: Checking or savings account

Every month I receive a check from the XXXX XXXX XXXX XXXX XXXX XXXX ) in the amount of {$240.00} ( for the past year, I deposit it into my Chase checking account using a mobile deposit. ) In XXXX, I received a check dated XX/XX/XXXX, and subsequently deposited it via mobile. At the end of the month, I saw that the deposit was not shown as a transaction to the account and called customer service at Chase. She said they never received the check, and told me to redeposit. I tried to redeposit but it said it was a duplicate. ( This was XX/XX/2023 ). I then submitted a Chase claim, which they denied because they keep saying the check is a duplicate, and my deposit shows XX/XX/XXXX ( yes, of course, because I deposit the same amount ( different check ) every month. ) They will not resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CONTACTED EQUIFAX TO DISPUTE ACCOUNT DOES NOT BELONGS TO ME 3 TIMES. ON XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX TO LET THEM KNOW THIS NOT MY ACCOUNT. CREDITOR HAS NOT PROVIDED ANY PROOF THIS ACCOUNT BELONGS TO ME, THEREFORE SHOULD BE REMOVED OFF MY CREDIT FILE. I'VE NEVER APPLIED FOR ANYTHING IN MY NAME, IM ONLY XXXXYEARS OLD AND IM A XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX, XXXX XXXX  bank account # XXXX XXXX  XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Hello I have this company Ability Recovery Service that keeps flagging my credit report for collection. On my XXXX  & XXXX  reports, I disputed the claim asking for a Debt Validation Request also mailed a Debt Validation Request to the company which is currently waiting to be picked up by the company since their mailing address is a P.O. Box. Heres the tracking number to the certified letter XXXX via USPS. I can also provide a copy of the Debt Validation Request letter sent to the company.
Product: Debt collection

I XXXX XXXX enter into a consumer credit transaction with Capital One Bank on XX/XX/2016. A consumer credit transaction is an transaction in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges a consumer credit transaction. I know the finance charge the sum of all charges I was not expecting a bill with Capital One. Capital sent a bill which is a violation according to 15 USC 1692b
Product: Credit card or prepaid card

I'm XXXX, I have a card, I've bought it for a long time, but I can't use it, I don't know the reason, I know there is XXXX dollars in my card, I contacted the card customer service number and they told me they will mailed A new gift card to me as a replacement card, but it's been a month and I haven't received a new gift card, and I called back but they asked me what is the serial number on the back of the card, I provided my card serial number before they mailed me a new card, when they promised to mail me a new card, I thought the original was useless so I threw it away which I didn't need in the process of using the card, the gift card website just asks us to keep the card number and date, security code, but I didn't receive my card, and they couldn't help me. This card is a birthday present from my boyfriend. Its been a few months, how can I ask him to give me the receipt of the card, this request is simply too unreasonable, but incomm company clearly promised me to provide me with a new replacement card, but now I have not received it, this is a disservice to consumption cheating
Product: Mortgage

While under contract with a builder the lender denied me a mortgage based on information that they knew was incorrect and then forwarded this information to the builder. The builder then demanded additional money for carrying costs on the house or would cancel the contract. Due to this erroneous information I lost my earnest money and appraisal money. Approx {$2500.00}. I was never delinquent with past or present creditors. This can not be proven be this lender because it never happened.
Product: Credit reporting or other personal consumer reports

On XX/XX/2022 a Bankruptcy XXXXXXXX was filed and Dismissed, then on XXXX XXXX a XXXXXXXX Bankruptcy was Discharged. I have a letter from the United States Bankruptcy Court stating the Fair Credit Reporting Act, 6 U.S.C. 605, clearly states that they do not provide this information to credit agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that XXXX XXXX  have placed an inquiry on my TRANSUNION credit file dated XX/XX/2022. On multiple occasions I requested XXXX XXXX  and TRANSUNION to verify these inquiries. They have yet to do so.
Product: Debt collection

Caine & Weiner need to understand that I do not owe XXXX  insurance. I called to stop the insurance, they mistakenly did not stop it. So they wanted to charge me a full premium for one month. I called and said they would arrange to fix.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

I had a medical bill that was turned over to Medical Data Systems for collection. I paid the debt, but they are refusing to notify the credit bureaus of the XXXX balance. They told me they would mail me a XXXX balance letter, and it was my responsibility to notify them. If they zing your credit when they receive the account, should n't they be required to notify the bureaus when the debt is paid?
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB I need help regarding this inaccuracies on my credit report. I need to have this account corrected as soon as posible for it is hurting my credit.
Product: Payday loan, title loan, personal loan, or advance loan

Ive been seeing all the information about OneMain Financial, I have a current and previous loan with them. I know for a fact they are overcharging people interest and adding things to our accounts without our knowledge. I took an {$8000.00} loan XXXX years ago, and am still at almost {$6000.00}. It isnt right, and if they would have shown the actual interest, I never would have got this loan.
Product: Vehicle loan or lease

XX/XX/2019 I called BHFC Financial, the company financing my vehicle asking for my balance on my auto loan. After 15 months, the manager said {$11000.00} and some change. After knowing how much I purchased the vehicle for, {$13.00}, XXXX and my monthly payments being {$390.00}, I ask him to help me understand. He didn't want to, instead, he loud talked me, over talked me, avoided my questions and told me that if I didn't understand, I could call back and he'll explain it. He then hung up in my face. Something isn't sitting correctly with me and I am asking for help.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX Account number 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 XXXXXXXX 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 which antedates the report by more than seven years.

15 U.S.C 1681s-1 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report agency if the
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , INC ) Due to the inadequate customer service And Unfair practices, Which violate the customer Financial protection act ( CFPA ). Specifically, cash app Failed to take timely and effective measures To prevent an address fraud on their platform Leaving my account vulnerable and unprotected. Furthermore, their dispute the resolution process Was unfair and deceptive, As they did not comply with error resolution Requirements Under the electronic fund transfer act ( EFTA ) and regulation E. These These actions have caused significant Inconvenience And financial loss, And I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

Summary of My Complaint : I am filing this complaint regarding inaccurate and improperly handled information related to an account reported by XXXX XXXX XXXX on my Experian credit report XXXX XXXX XXXX XXXX XXXX  ). The reported information includes inaccuracies about the deficiency balance following the repossession and sale of a vehicle XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Despite filing disputes, Experian failed to conduct a reasonable investigation and improperly verified inaccurate information from XXXX XXXX XXXX. This mirrors the CFPBs lawsuit findings against Experian for sham investigations and reinsertion of inaccurate data, violating the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ).

Key Issues : 1. Experian conducted a sham investigation by uncritically accepting XXXX XXXXXXXX XXXX unreliable responses. 
2. Experian failed to ensure maximum possible accuracy of the reported information ( FCRA 1681e ( b ) ).

3. If Experian reinserted deleted tradelines from XXXX XXXX XXXX without notifying me, it further violates FCRA 1681i ( a ) ( 5 ) ( B ). 
4. XXXX XXXX XXXX violated the Fair Debt Collection Practices Act ( FDCPA ) by reporting inaccurate balances and failing to inform Experian of disputed information. 

These actions have caused financial harm and damage to my creditworthiness. I demand Experian and XXXX XXXX XXXX correct or remove the inaccuracies immediately and provide a full explanation of their investigation process.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account is not reporting correctly. this needs to be removed from my report
Product: Credit reporting or other personal consumer reports

Notification from my credit monitoring company asking me to review alerts on my account. The first thing I notice is an address that does not belong to me.
Product: Student loan

My loan forbearance was coming up to an end and I started recieving emails and calls about the new repayment plans offered. The explanation of these plans are offered on the US Department of Education 's website so when XXXX XXXX XXXX   contacted me giving me all the details of all of my loans and described which plans I may be eligible for, it seemed like a legitimate company. Due to the fact that I made below a certain amount of money, I qualified for the Income Driven Repayment program. Which was explained to me that if I paid the {$540.00} dollar fee plus $ XXXX that I would only have to pay $ XXXX for the next 20 years, and that I qualified for all of my interest to basically go away and that now I would only have to pay the principal for as long as i had the same income. The only way that would change is if I had a substantial change in income. I entered into the agreement with the XXXX XXXX XXXX, referred to as XXXX, on XX/XX/2019. I made the monthly payments of {$180.00} for 3 months at the end of each month XX/XX/2019, XX/XX/2019, and XX/XX/2019 totally {$540.00}. No change in my income has occurred. Once I paid the {$540.00}, I spoke with someone at the US Department of Education because I was still receiving letters about my student loans. They informed me that the XXXX was not a company that they are affiliated with and that my interest was actually 6 %!! I explained to them what I was told and the payment plans, they told me that if I was entered into the agreement under false pretenses that I would need to report it. I have since then, put all of my loans back to the previous lender that is recognized by the US Department of Education and have attempted to contact the company XXXX for a refund of my funds. I called the phone number provided to me in the emails containing the contract and have spoken with them when filing the agreements in XXXX through this phone number, now the phone number is temporarily out of service. My credit card company who is supposed to protect me against fraud is giving me a really hard time about this. This credit card company is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. my accounts are for XXXX $ and {$240.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act l Credit Acceptance Corporation 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

During my dispute with Experian. I called and was asked to upload proof of documentation showing my contract with XXXX and showing the account and payment amount with my contract. Experian sent a letter stating their inaccurate information is correct. This investigation was not done by human eyes but yet by XXXX, which I didn't consent to. This is fraudulent reporting. This investigation was not a XXXX investigation but rather a XXXX investigation. This is a clear violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

THESE CREDIT REPORTING COMPANIES CONTINUE TO REPORT FRAUDULENT AND FALSE ACCOUNTS ON MY CREDIT REPORT THAT VIOLATES MY RIGHTS. I HAVE SENT MULTIPLE LETTERS NOTIFYING THESE CREDIT REPORTING COMPANIES THAT THESE ACCOUNTS ARE NOT MINE AND ARE AN ERROR ON MY CREDIT REPORT.
Product: Credit reporting

On XX/XX/2016 I Submitted a dispute to Experian regarding a collection account placed on my credit report by XXXX XXXX XXXX. I disputed the account information as it was reporting an incorrect date of default from the original creditor, incorrect original balance, and incorrect account history. I requested a full deletion of the account since XXXX had been unable to provide accurate dates and terms, and due to the fact that the account should have aged off based on the true date of default. The original account, owned by XXXX XXXX, is no longer on my report as it has already aged off. 

I received the final results of Experian 's investigation on XX/XX/XXXX. Although. Experian failed to verify the accuracy of the collection account. Instead of promptly deleting an account that is reporting inaccurately and past the age-off date, they updated the information with a new, yet still incorrect account status, account history, and account terms. This update looks as though this is a recently paid collection and it has negatively affected my credit.