23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a victim of ID Theft and have been trying to get Equifax, XXXX XXXX XXXX XXXX to remove fraudulent accounts out of my name, that's damaging my credit profile. Equifax refuse to remove the fraudulent accounts. 


XXXX XXXX Acct # : XXXX XXXX /XXXX  Acct # : XXXX
Product: Vehicle loan or lease

I am writing to urgently request the release of XXXX on the title for my vehicle, a XXXX XXXX XXXX XXXX. The purchase price of this vehicle was {$24000.00}. 

Under XXXX XXXX XXXX  XXXX, the statue of limitations for the collection of this type of debt is XXXX years ( since XXXX ). As this period has elapsed, legal action for collection is no longer applicable. 

Additionally, XXXX XXXX  XXXX XXXX MANDATES that a lienholder ( Ally Financial ) MUST provide a release of XXXX when the obligation secured by the XXXX is no longer enforceable. I would like to also clarify that both XXXX insurance ( {$750.00} ) and extended service contract ( {$2200.00} ) were included in the loan. However, I did not utilize neither of these coverages which was an additional {$3000.00}. You can not collect payments on products that was closed by Ally Financial before the end of the term. 

Given these circumstances, I respectfully request that you process the necessary documentation to clear the lien on my vehicle title as a matter of priority. 

Below are the relevant details related to my loan and vehicle : Loan Account Number : XXXX VIN : XXXX Make/Model/Year : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681 section 602 states " I have a right to privacy '' and this creditor has violated my Rights. I have a right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. I am requesting that you promptly investigate the disputer items and remove them from my credit report if they are found to be incorrect or unverifiable. ( see ex 15 U.S.C. 1681 section 604A section 2 & 15 U.S.C 1666B & C ) in accordance with the ( FCRA ).
Product: Consumer Loan

I am unsure what kind of debt this is as I am being repeatedly called as a reference to my sister. I received XXXX such messages yesterday from a company called CCBA, which stated they were calling about a case which was filed in reference to my sister, and they needed a statement about my involvement. Such scare tactics are illegal and I had previously asked them not to call me. They are not allowed to imply they are law enforcement. When I called back I asked to speak to a supervisor, he denied the behavior and stated he would get the recording to prove it. I was never advised my call would be recorded which is also illegal.
Product: Debt collection

Wow, where do I start? Well, for one, I'm still surprised they're in business. Let 's start with that they violated my FDPCA rights by refusing to provide a breakdown of the alleged balance. XXXX, their representative, claimed I owed the debt and had to pay it. She became aggressive after I reminded her they had to give me this documentation. XXXX refused my request for the second time and told me it was my debt and there was nothing they had to prove. After telling her I would report her, she laughed and said go ahead. She mentioned their affiliations with the XXXX  and the CFPB, implying they would side with her company. She then hung up on me. I called back and asked to speak to the supervisor on duty. The supervisor also did not want to provide proof, was just as rude, and used a threatening tone. She did not want to take my complaint, which was just as disrespectful. This company needs to be XXXX, and was investigated and shut down. This company is full of unethical people. I called back and asked to speak to the supervisor on duty. She also did not want to give me proof, was just as rude, and used a threatening tone as XXXX. Did not want to take my complaint on XXXX, and might I add that the supervisor was just as disrespectful? THIS COMPANY NEEDS TO BE INVESTIGATED AND SHUT DOWN. This company is full of unethical people. Further communication to resolve this debt will cause emotional distress, I hung up the phone and had an XXXX XXXX  from the rude and unethical behavior this company showed me.
Product: Credit card or prepaid card

I pay all of my credit cards electronically. They will not accept an electronic payment. Initially this bank " lost '' two different checks for payments. When my first check was late. I verbally requested that my reward points be transferred to my balance and received a payoff number which was then sent via a second check. When this second check was " lost '' In XXXX I opened a dispute with this bank over lost rewards which turned out to be forfeited. The second check was later returned to me with a letter stating that they could not match my name, address and last four numbers of account to me. Since then they have answered better business complaint that they will answer me within 30 days which is up today. Original dispute was to be answered in 90 days with no reporting to credit bureaus. Then they reported me as 90 days delinquent which removed my exceptional credit rating. I filed a dispute with XXXX and it was closed by reporting me as 30 days delinquent instead of 90. A few days later changed to 60 days,. I have a running history of conversations from their online messaging system which I copied and attached here along with the current notes from phone conversations with supervisors at the bank. The delinquency was removed on XXXX and shown zero balance and closed. On XX/XX/10 a {$97.00} balance was placed back on my account at the credit bureaus. I was told by a supervisor today that I would be reported as delinquent again if it wasn't paid on time. Please see attached document which started after no success speaking with them over phone. Please See attached document.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a free account with Experian that I created to freeze my credit report ( thanks to a XXXX  data breach that exposed my SSN, driver 's license, and more ). Experian immediately started sending me numerous marketing emails. I logged into my Experian account and unsubscribed from all marketing emails but I still continue to receive emails with subjects like " Your Dark Web Results are Available '' and " Awaiting Review : Your Financial Profile ''. There is no way to unsubscribe from these and they contain text claiming that they are not marketing emails but rather notifications of changes to my account. But they obviously ARE marketing emails as, upon following the links in the emails, I am immediately prompted to upgrade my account. Further, if I dismiss that page and continue, every single page contains buttons that require an upgrade. 

Experian appears to think that by labeling marketing emails as important account notifications, they can continue to send them, with no way for recipients to opt out. This is deceptive and outrageous.
Product: Credit reporting or other personal consumer reports

On Monday, XX/XX/year>, I reviewed my XXXX XXXX XXXX Experian Credit Report. On XX/XX/year>, XXXX XXXX reported that my balance was {$24.00}. On XX/XX/XXXX, I paid {$24.00} online through my XXXX XXXX  Account. On XX/XX/XXXX, the payment ( XXXX ) posted to my XXXX XXXX  Account. My XXXX XXXX XXXX owed on card XXXX is XXXX!!!!! As of Monday, XX/XX/XXXX, XXXX XXXX has FAILED to provide Experian with my current account balance information. It has been 18 days since my payments posted to my account bringing my account balance to XXXX!!!!!. Experian updates my credit report weekly. 
On Monday, XX/XX/year>, I contacted XXXX  XXXX at XXXX XXXX, I believe the representative 's name was XXXX. I explained XXXX XXXX reported my account balance was {$24.00} ( date reported XX/XX/year> ) when in fact my account should reflect a XXXX!!!! Balance because the amount {$24.00} + {$0.00} was paid on XX/XX/year> and posted on XX/XX/year>. I demanded XXXX XXXX notify Experian with my current balance of XXXX. It has been 18 days since the balance was paid, I demand my account reflect my current balance. This is NOT the first time I have encountered fair reporting practices with XXXX XXXX. XXXX XXXX blames Experian for the lack of current information, when XXXX XXXX FAILS to provide Experian with current information. Experian can only report what information is received.
Product: Vehicle loan or lease

On XX/XX/2019 I purchased a new Tesla  via Tesla Financing. I signed paperwork and took the car. Weeks later I was told they had an issue with the application. I found out they had lost my data. After many emails, long wait times, Tesla disabling my key when I needed it to drive, and other issues, it took them 2 months to resolve the issue only partially. I am a very well qualified buyer so there is no issue on my end. 

My temporary plates expire in less than two weeks and Tesla will not help me in finding a solution. They are not writing or calling me back. 

They do not communicate properly and in a timely manner with their customers. This negligence should not come without consequences.
Product: Mortgage

XX/XX/XXXX XXXX : Our records indicate that you filed a petition ( Docket Number XXXX ) under Chapter XXXX of the Bankruptcy Code ( Title 11 United States Code ) on XX/XX/XXXX, and the Proof of Claim was filed on XX/XX/XXXX. The funds received on XX/XX/XXXX, in the amount of {$2600.00}, were applied as the next oldest contractual payment that was due as of that date, which was the XX/XX/XXXX, contractual payment in the amount of {$2000.00}, the remaining funds were applied to the suspense account. 
This is clearly a violation of Mortgage Payment Application 11 U.S.C. 1322 ( b ) ( 5 ) - Splits the Debtors mortgage obligation into 2 separate parts. 1. Pre petition arrearage- which must be cured during the term of the bankruptcy. 2. Post petition ongoing payments- Debtor must maintain the ongoing monthly payments pursuant to the terms of the mortgage and note- paying as and when due. 3. The debtor 's ongoing postpetition mortgage payments must be applied from the petition date to the underlying debt based on the mortgage contract terms and original loan amortization as if no default exists.
Product: Payday loan, title loan, or personal loan

Please I need help I have been paying this company around {$5000.00} and they have not lower the amount I owed they give me a monthly payment of {$390.00} of that amount {$1.00} goes to principal and the rest is interest around {$180.00} this is insane I am taking medication for XXXX  and XXXX because I never thought will go thru something like this they lift my car from my house with about previous notice because I stop paying to have my car back they told me that I have to pay {$700.00} fee for the company XXXX XXXX  plus {$1400.00} of miss payments when I complete the money they told me that they wont release the car if I dont give them {$2400.00} in total I submit the payment but when I when to the company to pick up my car they make me sign a paper statement that they only charge {$150.00} to lift my car and to keep it for 3 days I took picture of all this papers when I go see my balance the lock my account and my surprise is that from {$2400.00} that i paid only {$300.00} went to the principal Please help me I dont know what to do Im currently not what to do they never told me about this high interest I have documentacin that i can show you please i need help I owe them {$9700.00} the loan amount was {$11000.00} i feel I will never get out of this frustrating situation
Product: Checking or savings account

On XX/XX/2023 my account got hacked for XXXX dollars from a scam company pretending to be Chime Banking which is the bank I deal with after going through the process my money was gone i immediately call Chime the real Chime telling them what happened I filed a dispute for my XXXX dollars the representative told me it would take XXXX calendar days for a decision a few days later I get a email telling me it was no error occurred so no funds will be credited back to my account I contacted Chime again the representative filed a robuttal if XXXX spelling it correctly that was Denied a few days later filed another XXXX on Monday XXXX it was denied this morning I just need some help in getting my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a collection account for medical on my credit report that I have never been to this urgent care. I completed a dispute on XX/XX/XXXX to all Credit Bureaus and XXXX XXXX and XXXX investigated and removed. I submitted to Equifax and have received more that 15 emails stating its resolved to check dispute. When I check Equifax the same message comes up their not able to handle my request. I submitted an email to their customer care on XX/XX/XXXXand received an email on XX/XX/XXXX stating Equifax was aware of the issue and sorry for the inconvenience and gave me the link to check the dispute. I replied and no response. I received more dispute complete emails and still unable to view the dispute and its still on my Equifax report. I then received and email on XX/XX/XXXX that my case was completed regarding the dispute error and nothing has been resolved. 
I was paying for Equifax service as well due to their Data Breach and this is the service we receive.
Product: Mortgage

In XX/XX/XXXX, I called Bank of America to inquire about assistance on our past due mortgage. On XX/XX/XXXX, my husband and I received a letter from Bank of America that we were assigned a dedicated customer relationship manager. The letter stated the customer relationship manager would work with us to determine if there were any programs available to help with our past due mortgage. We received by mail a packet and was informed to submit the Borrower Response Package. We faxed over all required documents on XX/XX/XXXX. We received confirmation that Bank of America received all the documentation needed to proceed. I continually called Bank of America and talked with different people and each time I was informed they had no information available. In XX/XX/XXXX we received a letter stating our mortgage was being transferred to XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and was told they were waiting on information from Bank of America on the transfer. On XX/XX/XXXX we received a letter stating the transfer would not occur. I continually called Bank of America and in XX/XX/XXXX, I was informed to fax over the Borrower Response Package again, because the XX/XX/XXXX papers I faxed over before were expired. I went to a Bank of America branch and faxed over the documents again. I have called Bank of America over and over and I keep being told they have no information that we ever applied for assistance programs. On one occasion I was told it was sent to XXXX XXXX. I called on XX/XX/XXXX and was told the XXXX XXXX process would be expedited in 2 days and to call back. I called over a week later and now I am being told they have no information on our need for assistance. The only contact we receive from Bank of America now are collection letters and collection phone calls. We continue to pay any amount we can at anytime we can. We are in the process of trying to get the loan back on track and payments on time. I just keep talking to different people that have no idea what is going on and can give us no answers.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : [ XXXX XXXXXXXX XXXX XXXX  ; Account Number : # 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, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint regarding inaccurate information on my credit report that I have brought to the attention of TransUnion. Unfortunately, to this date, I have not received a response from TransUnion. I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 
On XX/XX/XXXX, I contacted TransUnion to report the following incorrect information on my credit report. Despite my efforts, I have not received any communication or resolution from TransUnion. The details of the inaccurate information and the required corrections are outlined below : 1. Account Name XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$420.00} The inaccurate evidence on the above account is incorrect and is causing significant prejudice to my credit reputation. The balance provided by TransUnion does not correspond to the lower amount that I remember. I request that TransUnion revises the past due information as it is not accurate to present a past due amount for a closed account that was charged-off. This account has likely caused a drop in my credit score. Therefore, I need to reach an agreement with my creditor regarding the incorrect data. I kindly request TransUnion to mark this account as disputed, as I do not want my credit score to be further affected. 


2. Account Name : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} The above account does not belong to me, and I request TransUnion to remove it from my credit report. 


3. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} The above account does not belong to me, and I request TransUnion to remove it from my credit report. 


4. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2500.00} The above account was never late, contrary to the information on my credit report. I kindly request TransUnion to correct/update this inaccurate information on my credit report.
Product: Money transfer, virtual currency, or money service

It was my sister 's birthday and she asked for a brand new phone, XXXX XXXX XXXX  to be exact. I wanted to grant her wish. I am a XXXX   XXXX so my fund is limited, hence I was looking for cheaper alternative. I ended up looking at XXXX  market. The girl named XXXX XXXX claims that she works at USPS. She got my trust easily because she mentioned she has a fear of being scam. She lives in PA while I live in a different state. She suggested to ship the item and also mentioned she have sent an XXXX already to this lady in XXXX. I desperately want my sister to be happy on her birthday especially with this pandemic going on. I paid {$560.00} through XXXX XXXX and XXXX told me that she would send the item once she works the next day. I keep texting her to update me, two days after I decided to go to XXXX XXXX and ask for a refund. I sent her the money on XX/XX/XXXX ( my sister 's birthday ) and it was XX/XX/XXXX when I asked for a refund from her. She blocked me through everything and I felt hopeless. I informed my bank, Capital One to file a dispute, they have given me a temporary credit. On XX/XX/XXXX, Wednesday, Capital One emailed me saying they have declined my dispute. I filed it again due to feeling that their investigation was not fair since they have not ask me for any documentation or proof because I still have the screenshots of the deal but the merchant did not ship the item. However, Capital One sent an email on Friday, XX/XX/XXXX still declining my claim. At this point the only option I have is to file a police report the next day, XX/XX/XXXX. I am devastated. It is a big amount of money and I'm doing everything I can to get it back, I really need it back. Please help me. I don't know where to go to get back my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized inquiries on my credit report Inquiry 5 Inquiry Date XXXX - XXXX Creditor Name XXXX  XXXX  - XXXX XXXX Creditor Address XXXX XXXX XXXX XXXX AZ, XXXX - - Creditor Phone BYMAILONLY - - Inquiry 6 Inquiry Date XXXX - XXXX Creditor Name XXXX - XXXX Creditor Address XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX - - Creditor Phone XXXX - - Inquiry 7 Inquiry Date - - XXXX Creditor Name - - XXXX XXXX Creditor Address - - - Creditor Phone - - - Inquiry 8 Inquiry Date XXXX - - Creditor Name XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX PA, XXXX - - Creditor Phone BYMAILONLY - - Inquiry 9 Inquiry Date XXXX - - Creditor Name XXXX XXXX XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX TX, XXXX - - Creditor Phone XXXX - - Inquiry 10 Inquiry Date XXXX - - Creditor Name XXXX XXXX XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX - - Creditor Phone BYMAILONLY - - Inquiry 11 Inquiry Date XXXX - - Creditor Name XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX XXXX NY, XXXX - - Creditor Phone XXXX - - Inquiry 12 Inquiry Date XXXX - - Creditor Name XXXX XXXX XXXX XXXX - - Creditor Address XXXX XXXX  XXXX XXXX IL, XXXX - - Creditor Phone XXXX - - Inquiry 13 Inquiry Date XXXX - - Creditor Name XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX PA, XXXX - - Creditor Phone BYMAILONLY - - Inquiry 14 Inquiry Date XXXX - - Creditor Name XXXX XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX XXXX TX, XXXX - - Creditor Phone XXXX - - Inquiry 15 Inquiry Date XXXX - - Creditor Name XXXX XXXX XXXX   XXXX - - Creditor Address XXXX XXXX XXXX XXXX TX, XXXX - - Creditor Phone XXXX - - Inquiry 16 Inquiry Date XXXX - - Creditor Name XXXX XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX XXXX FL, XXXX - - Creditor Phone XXXX - - Inquiry 17 Inquiry Date XXXX - - Creditor Name XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX XXXX NY, XXXX - - Creditor Phone XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX 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 ), XXXX XXXX XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provide consumers with the necessary proof of investigation.