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

I bought a car through XXXX XXXX XXXX in XXXX XXXX FL several years ago through credit acceptance. I have paid extra money plus regular payments charged per month. They have charged me extremely high interest and fees making difficult to pay loan off. I have called financing company to lower interest but no such luck. car loan is automatically taken out of bank account. I have never been late paying nor never missed a payment. In addition they have put non accurate information on credit report for amount paid. Since purchasing car XXXX XXXX went out of business. I think it should be illegal to charge so much interest and fees against people with low credit. I am XXXX veteran and feel there is no end in sight of ever paying off credit acceptance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am 60 days past due on XXXX XXXX partial account numbers XXXX. ( Please see pages 8 and 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian shows a Mortgage Account XXXXXXXX XXXX XXXX as open and with a balance. Account paid off XXXX XX/XX/2020. Made dispute with Experian, said account remains open and correct. XXXX XXXX Shown on XXXX XXXX and XXXX as paid in full and account closed.
Product: Debt collection

I found this installment account on my credit report. I do not have an installment account with this company.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE XXXX 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 INQUIRY 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( XXXX ) 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: Credit reporting, credit repair services, or other personal consumer reports

Transunion is refusing to remove hard inquiries that are not mine, not authorized by, and done so without my consent. 

My email, address, phone number, social security number, passwords to my account are all being sold all over the internet, pastebin 's, and are being reported on security websites, and paid for security watch by XXXX. These are attached. My account and credit has been compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly.

I have the right to privacy.

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

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Product: Credit card or prepaid card

I was sent a Citibank credit card on XX/XX/2022 I did not apply for. I contacted Citibank immediately ( the same day ) and was directed to the fraud department. They have started an investigation and closed the account that had been opened in my name. I then contacted all credit report companies and placed a freeze on them as well as a fraud alert. I have also reached out to my banks and other credit card companies to notify them.
Product: Mortgage

U > S > bank mortgage insurance department refuses to drop our mortgage insurance payment even though our original loan statement said it would end in 103 months which would be XX/XX/XXXX ... we have never missed a payment or been late and now have a 20 % loan to value ... .they claim we have to pay it until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

To : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX DC XXXX Request for Deletion of Unverifiable Account from Credit Report Dear Consumer Financial Protection Bureau I am writing to formally request the removal of an account previously reported by XXXX XXXX on my credit report. This account, with a balance of {$2000.00}, was disputed with TransUnion, and after a thorough investigation conducted on XX/XX/year>2025, and completed on XX/XX/year>2025, TransUnion determined that the account was unverifiable and subsequently deleted it from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to the protection of accurate and verifiable information on my credit report. Specifically, under 1681e ( b ), consumer reporting agencies are required to ensure the maximum possible accuracy of the information reported. Since TransUnion has deleted this account, it is evident that the account could not be verified as accurate or complete.

Furthermore, 1681i ( a ) ( 5 ) ( A ) of the FCRA mandates that any unverifiable account must be promptly deleted from the consumers credit report. Given that TransUnion has removed this account, I urge you to follow suit and delete the same unverifiable account from my credit report immediately.

If this unverifiable account is not removed within 30 days, I will exercise my rights under 1681n and 1681o of the FCRA, which allow me to pursue legal action against any credit reporting agency that fails to comply with the law. Please note that I am fully prepared to escalate this matter, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and taking legal action, if necessary.

I request written confirmation of the deletion of this account within 30 days of receiving this letter. If you require additional information to process my request, please contact me at the phone number or email address listed above.

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

It my with great pleasure I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial system to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ). 

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at XXXX The only way communication ammounts other with common ownership it must be clearly and XXXX disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on my credit report. completion.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX Balance : {$940.00} 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit alert regarding a Hard Inquiry that I did not request ( XXXX XXXX XXXX ) - Haven't even heard of the company that made the inquiry. I called the company making the inquiry and they had no record of making the inquiry on my credit report. I then filed a dispute with Equifax. They " investigated '' which was complete within an hour or two and credit report remained unchanged. I called Equifax and they indicate they can not change it without supporting documentation and a police report. First, since I requested no inquiry and don't know the company making the inquiry, there is no documentation. Second, no police department is going to file a report for a hard inquiry on my credit report.
Product: Money transfer, virtual currency, or money service

I have a concern regarding with my friends transaction ( sender ) depositing my money to my bank account. The sender sent the money last Friday XX/XX/2020 thru WU by her XXXX XXXX account, choosing the 0-2 business days transaction and I should be expecting the deposit here in the XXXX last XXXX XXXX. Tracking the control number that was given, it says its already delivered but I checked my bank account and still I havent received it. I even asked the manager of the bank if I do have pending transaction and sent a confirmation stating I do not have any pending one. I feel uneasy since the transaction says it was complete but I checked it how many times but theres none. I rechecked the bank details how many times but the inputs were correct. I tried sending emails, sending personal messages to WU social media accounts since XX/XX/XXXX but they did not answer. Yesterday morning, they tried to reach me asking my personal info and XXXX but that was only it. After I sent it, again I got no replies at all until now.
Product: Student loan

I was attending XXXX University took out a private loan that was not enough so I reapplied again was told to go to class then found out I had to leave class because the loan that they said I had I did not have which led me to another school at that time it was Sallie Mae so from then on it has been nothing but a horrible confusion they messed.up my credit report and I was only six.credits short from my XXXX degree I left XXXX University and had to start another School which held.me.back a few.years.in the mean time the harassment call and the correspondence was horrible and to top it off I am in default which went on for several years until one gentleman for Sallie Mae said they could.have put.me on a forbearance. At that point I went to the State Attorney where Sallie Mae I believe is now Nivient and he said to sue them. I feel that they have ruined my life my credit and prolonged my degree for no reason. Very unprofessional unethical and I would appreciate someone correcting.that huge error on their part and being accountable for their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX {$360.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXXBalance {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX-Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony bank is overcharging me with a higher amount that was originally due
Product: Mortgage

I have been making extra principal payments to the account first they would apply them to the interest I had to call to stop that. then I send checks that said principal and they would be applied to escrow. Also when I send the checks they don't get cashed until after the statement is sent this way it gets applied to the next month statement. I also started doing them through bill pay and they started going to interest as well. I started dividing my monthly payment into two equal parts for the second one to be made the first of the month equaling the total amount of my payment. they hold on to the payment even if I make it earlier and still charge me the same amount of interest they said they will not apply the amount to my account unless I pay the full amount at once. Or I can pay extra every single time. I spoke to three different people on XX/XX/year> the last one XXXX said I am not allowed to pay my payment in two equal parts. I can only make payments as a whole on the first of the month and interest will always be the same not when I make my payments.
Product: Checking or savings account

XXXX I made a transaction of XXXX at the post office, they had a glitch in the system but the money was still taken out of my card. 
I filed a dispute with Wisely ( my bank ) and they wont dispute my transaction they said theres no transaction of XXXX but it shows on my account statement. The post office sent the money to my bank on the XXXX and they received it on the XXXX Wisely is giving me the run around and wont refund me my money.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX XXXX consumer in fact. XXXX received no written expressed consent to allow Bank of America to furnish any information about me or an alleged debt. Bank of America has been reporting that I owe an alleged debt since XXXX. The account is now showing closed when I never closed an account with Bank of America. Bank of American never received my written expressed consent to furnish any information on my credit report.
Product: Money transfer, virtual currency, or money service

This is about WorldRemit On the XX/XX/XXXX I tried to transfer {$1500.00} money to a family members dollar account in XXXX. The transaction was unsuccessful, I kept getting error messages display on the page about the transaction being declined. However my XXXX checking account was debited immediately. {$1500.00} left my account I have tried repeatedly to call or email WorldRemit to resolve this issue, but its been next to impossible to reach them. The phone answering service keeps asking for a transaction ID number before you can get connected to a representative. This transaction in question doesnt have a transaction ID because it wasnt successful, its been impossible to reach the company to file a complaint. 
The email address they have is a noreply email. 
I have reached out to my bank XXXX and they said there is nothing they can do about that, that everything lies in the hands on WorldRemit. 
Im frustrated and I need my money refunded 2. On the XX/XX/XXXX I attempted to transfer another {$2000.00} to family in XXXX via WorldRemit. I was still met with exact same problem as described above. 

So in all a total of {$3500.00} was debited on my XXXX checking account. I need my money back, my family is facing a serious crisis back in XXXX and I need to send money back immediately
Product: Credit reporting or other personal consumer reports

I have several addresses that Ive requested to have removed from my credit report. I did this on XX/XX/2023. They did delete some but not all the addresses listed on my credit report. I only want my current address on my credit report. I sent letters to all XXXX Credit bureaus with them choosing the ones they wanted to leave on my account.
Product: Credit reporting or other personal consumer reports

When I was going to XXXX ( XXXX XXXX XXXX ) I DID take out a few loans but there are a ton of unauthorized loans in my name that I did not take out and I have requested to have the original contract sent to me and it has not been done. I know they used to let people take out loans via fax with just a copy of a ID card and I never did such a thing and I demand that they remove those loans from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, CONVERGENT OUTSOURCING, INC added a derogatory mark on my credit report per XXXX. I never in my life had an account with sprint. In XXXX, I was a victim of identity theft, I contacted XXXX and they removed the account back in XXXX. The Debtors creditor did not verify this collection, Also, there was NO WRITTEN form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, CONVERGENT OUTSOURCING, INC has violated my rights as a consumer and Im requesting legal action to remove this account immediately. 


Please terminate collection efforts, and remove and notify all credit bureaus such as XXXX, XXXX, and XXXX to delete the account immediately for inaccurate reporting and failure to validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a suspension lifted off of my Dmv records including a point taken off after completing XXXX school and it wasnt accurately noted on the background check when ran. Please re run to see correction has been made as of XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

On the date of XX/XX/18 someone used my debit card information and made a transaction of {$230.00} at XXXX at XXXX in the city of XXXX without my authorization. I immediately went to Chase Bank and told them I didnt authorize that transaction. They notified the Customer Claims Department and told them that I wanted to dispute the transaction. They said the dispute will be declined and that theres nothing I can do for the reason that they used my actual PIN number thinking it was me who made that transaction. I went to XXXX and asked for any possible evidence but they told me I was unauthorized for them to release any type of evidence. And now Chase Bank is charging me fees on top of that for a transaction I never made.
Product: Student loan

I am filing a complaint against a debt collector PATENAUDE & FELIX, A.P.C. 
This company is harassing me for a debt that has an expired statute of limitation. 
They have sent me a summons to appear in court. 
Attorney At Law : XXXX XXXX XXXX : XXXX Ex XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name ; XXXX XXXX XXXX. 
Account number : XXXX XXXX : Collection account. 
Amount : {$630.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account name : XXXX, XXXXXXXX XXXX XXXX XXXX Account number : XXXX Status : Collection account. 
Amount : {$280.00} -- -- I never applied for this and I never lived at XXXX XXXX. I do not know where this apartment is, this is not mine and this is fraud Account name : XXXX XXXX XXXX  Account number : XXXX Amount : {$700.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account name : XXXX  XXXX Account number : XXXX Amount : $ {$640.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account name : XXXX XXXX Account number : XXXX Amount : {$2100.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account name : XXXX XXXX XXXX XXXXXXXX Account XXXX Amount : {$2800.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account : XXXX XXXX XXXX  XXXX Amount : XXXX -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Inquires are not mine and this was done without my consent. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I frequently go on XXXX  to track my credit. I am planning to make a large purchase soon so my credit score is imperative. 

I always use and pay my credit cards off before they are due ( within 30 days ) so I can access rewards and avoid any loss in credit score points. On XX/XX/XXXX, my credit score was XXXX on Transunion. When I checked on XX/XX/XXXX, my score had dropped 7 points to XXXX. When I called Transunion to ask about this drop in score, I was given the runaround by both the initial person I spoke to and then again by a supervisor. I was on the phone for more than 30 minutes. They gave me all kinds of reasons why my score dropped but none applied to my account. As I said, I paid all my cards off immediately ( before they were due ) in the hope that my score would be returned to its XXXX status but that has not happened. As of XX/XX/XXXX, I still have a XXXX score with very little debt and nothing late, no hard credit inquires, nothing unusual on my accounts and no new accounts. I was under the impression that as long as I paid the debt off in full within 30 days my score would not be affected. This is obviously not how it works but I feel I have been punished for using my card and paying off the debt. The folks at Transunion were not helpful as every reason they gave me that my score would drop by 7 points did not apply to me. The other credit bureaus did not drop my score by 7 points. Please find out what is happening.
Product: Credit reporting or other personal consumer reports

I sent off letters regarding compliance XX/XX/XXXX. I have yet to receive any notice.