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

I test drove a XXXX  XXXX  and signed to buy. The next day it would not start. The dealer picked it up. It's been 21 days. I think it may have been in a flood so there are un fixable electric issues
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # 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
Product: Credit reporting or other personal consumer reports

the accounts should be deleted from my account because Under 15 U.S. code 1692 ( g ) and 15 U.S. Code 1692 According to 15 US CODE 1602 ( P ) the following accounts are in violation and need to be deleted Under 15 U.S. Code 1602p, an unauthorized inquiry is a violation of the Fair Credit Reporting Act ( FCRA ). The FCRA stipulates that consumers are entitled to compensation for each unauthorized inquiry on their credit report
Product: Debt collection

Company keeps verifying debt with credit reporting agencies. 

Company never responded to debt validation request when I reached out Company has violated the FCRA and FDCPA Account is reporting inaccurate on all three credit reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

I was subscribed to XXXX  for a FEE. 
I had a scam on me from a Auto Leasing Company for RETURN -IN damage charges? 
I disputed and won my ALLY FIN case!! 
However the CREDIT AGENCIES now will hold a DELINQUENCY OVER MY HEAD FOR 7 YEARS?? ISN'T THIS ILLEGAL?? 
NOBODY CAN REMOVE THIS FRAUD CHARGE ACCORDING TO REPORTING AGENCY?? 
IS THIS A VIOLATION OF THE FCRA??
Product: Credit card or prepaid card

First of all this account was paid in full after it was closed 4 years ago. They told me they could garnish my government funds or my employers bonus. After they said that, I paid them. Now theyre saying it was never paid. But Im trying to understand how do I even owe almost {$700.00} when I only had a {$200.00} pre-paid credit card account with only a {$200.00} limit that was never raised.
Product: Credit card

CitiBank ran a credit card promotion on XXXX XXXX XXXX, the promotion offered " XXXX ThankYou points after {$0.00} spent in 3 months '' when applying to their Citi ThankYou Preferred Credit Card. I applied to this card online and was approved. 
Upon receiving the card, I noticed the written promotion became " XXXX ThankYou points after {$1500.00} spent. '' I called CitiBank, and was told the original promotion was " their mistake, '' but they would honor it if I faxed in the screen shots showing the terms of original offer. Furthermore I was told if I spend {$1500.00} or more, I would be awarded XXXX points ( from the original offer ) and an additional XXXX ThankYou points ( from current offer for spending {$1500.00} ), essentially make the promotion to be XXXX ThankYou points rewarded after {$1500.00} spent. 
I faxed in the screen shots of the original offer in XXXX XXXX. And within 3 months, I spent the {$1500.00}. However after 3 months I noticed I was awarded XXXX points instead of XXXX. I called CitiBank, but was told that the additional XXXX points are being processed separately, and it will be deposited into my account likely within a month. So I waited another month, and when no points were deposited I called back again, and was reassured again that they are still taking corrective actions but needed another month. This continued every month for the next several months -- each time I called back they would assure me the same -- until XXXX XXXX. When I called in XXXX the representative on the line told me since they had already deposited XXXX points, they consider my case to be " corrected '' and no additional points will be awarded. When I mentioned that CitiBank has been promising XXXX points all along for the past 7 months, the representative refused to acknowledge and said she considers my case has been resolved. 
In summary, CitiBank first used false advertisement to get people to apply to their credit card. After the card mailed, they claimed the initial offer was " a mistake '' and promised a resolution to get people to spend money on the card. But after their customers meet the spending requirement, they refused to honor their promise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, After disputing account XXXX XXXX ACCT # XXXX multiple times I filed complaints with CFPB for the account with XXXX, XXXX and Experian. Complaints and complaint results are attached. All three claim to have verified and updated the account, however as of my credit report dated XX/XX/2023, the account still has inconsistent information with all three bureaus which include, the high credit, date last active and date of last payment. Clearly after many disputes and my last complaint the account still is not reporting accurately. This is gross negligence on behalf of the credit bureaus and a violation of my consumer right.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit card or prepaid card

Citi closed my credit card account without warning. When I used their chat feature to ask why, they said I needed to call in. When I called in, they refused to tell me why my account was closed outside of a letter they sent me. That letter was not available online and they have my old address, so its possible I may not get the letter. This hurt my credit as well.
Product: Debt collection

I have been sent a letters by this company saying they are a law firm that represents the state of Florida and that I owe money to the state of Florida for a XXXX  and in order to reinstate my drivers license I needed to pay them {$3200.00} I finally came up with enough money to pay them. The amount that I was sent in the letter for the last six years and they said that if I paid it with my routing and checking account number that it would delay getting the letter and it would take 10 business days I paid that over two months ago and when I did not receive the letter, I called them on XX/XX/year> and they said oh no you still owe another {$120.00}, so I immediately paid that and they said youll get your letter within 10 business days here we are 15 business days later and I do not have my letter and when I called they said that it was the state of Florida that was holding it up, however they were in direct contact and representing the state of Florida and told me that the letter would be sent by them so I feel like Ive given money to a company that is fraudulently representing the state of Florida DMV I just want the letter so that I can get my drivers license back. Its taken me over seven years and I have been without a drivers license for this amount of time and I have an XXXX  year-old mother that I need to take care of and I absolutely need to have a drivers license as she is starting to fall and have incidences that will not, do without a vehicle
Product: Mortgage

I stopped paying my mortgage XX/XX/XXXX at the advice of a real estate lawyer. My mortgage company still has not foreclosed on it. The house burned down XX/XX/XXXX. I notified them and paid them the insurance money from that. They continue to call me over and over, and every time they do n't seem to know anything about my situation. They continue to delay my foreclosure for reasons unknown to me. I think it has to do with trying to give me assistance, even though I 've declined that for years. I 'm tired of nothing happening and them not knowing what is going on.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit card or prepaid card

I went to XXXX XXXX XXXX XXXX, for dental work, I was forced into getting a care credit account, which I did not want, I told them many times, I've called many different numbers from Care credit, but only get an automated machine, I paid in cash for services at the dentist, I haven't charged anything to the card. I am unable to close the account, they pushed me to open, so they could charge the dental work to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

taking action against XXXX  they sold my account to a third party which is Caine & Weiner which under the FTC law that third party debt collectors can not collect on a debt
Product: Credit reporting or other personal consumer reports

My credit score keeps declining due to Navy Federal failing to report that my statement balance of {$2000.00} has not been paid off. My credit score has dropped XXXX points since XX/XX/2024. I have been paying off my balances on time, but the delay on reporting my debts have been paid off has taken away all the work I put into building up my credit.
Product: Debt collection

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

TransUnion 1.XXXX XXXX XXXX {$0.00} 2. XXXX {$0.00} 3 XXXX XXXX XXXX XXXX {$350.00} 4. XXXX XXXX {$180.00} XXXX. XXXX TEAM XXXX {$1400.00} I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
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 is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX XXXX Balance : {$11000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the company LJ Ross and the bearus asking them to verify this debt with the original contract I did not recieve that information I sent a letter to LJ Ross on XX/XX/XXXX and the Credit Bearu on XX/XX/XXXX and they sent me a bill back.
Product: Credit card or prepaid card

I contacted Comenity Bank regarding my credit card always being declined in XX/XX/. I learned that my old account was closed due to fraud and a new card was mailed out. I do not recall being told a new card was going to be mailed out. 

My issue in XX/XX/2023 I was charged a late fee. I did not receive a statement from Comenity to pay my monthly bill. I called to pay my account and asked for the late fee ti be waived. I was told my account was not eligible because Comenity can only waive a late fee every 18months. Because they did not receive returned mail, they still will not waive the fee. I escalated my call to a supervisor and was told the same thing. 

This is not fair and not okay with me. They are supposed to provide a billing statement and did not, or it was lost in the mail. Why am I being penalized in the amount of {$29.00} due to no fault of my own. My address is the same and I always pay my bill on time. 

The fee of {$29.00} should be reversed and I don't care about their policy unless they can prove they sent out a statement to my listed address and prove the statement was delivered to my address.
Product: Debt collection

I received a phone call from someone stating he was a process server trying to contact me due to a cuvil suit filed against me for an installment loan I had with Ace Check Cashing. I had made arrangements to finalize pymt and was never notified there was an issue with pymt. I then get internally transferred to someone named XXXX XXXX representing a XXXX XXXX XXXX XXXX claiming he was hired for this suit against me. I told him I was represented by a lawyer and he told me to give him info to contact him and I said I will have my lawyer call you. He said my debt amount was {$420.00} which is not what i owe and i let him know the amt was wrong. He said well i need to check because it could be extra fees. He said to contact Ace at corporate XXXX and follow the chain of title which will lead me back to him. His number is XXXX case XXXX.
Product: Credit reporting or other personal consumer reports

My data has been breached and fraudulent charges have been made to my credit. I have been trying to fight it with no success.
Product: Checking or savings account

Reported XXXX  fraud transactions which was denied i have a police report and legal evidence against the scammer and still got denied. tried escalate the dispute but got no response. 
XXXX Case number XXXX
Product: Debt collection

An identity thief managed to purchase roofing material and also installed an air conditioner system. The amount for the work was for the amount of {$35000.00}. I have contacted the company GoodLeap on multiple times that the account was fraudulent. The company ( GoodLeap ) sent out an agent to inspect my roof and the air conditioner. The agent determined that both the roof and the air conditioner were old and had no signs of recently installed. the agent said he would notify ( GoodLeap ) of the condition of the roof and the air conditioner. I had notified all three credit bureaus and had investigated and had removed GoodLeap and XXXX XXXX XXXX XXXX. From my credit report. I just discovered that GoodLeap again reported the fraudulent account to my credit report for the sum of {$37000.00}. I asked the lending institution ( GoodLeap ) to provide all records relating to the fraudulent [ transaction/account ], including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account and to provide them to me and to the XXXX Police Department where I filed a ID theft report XXXX to this date i have not received the documents requested. XXXX XXXX ( GoodLeap ) Client Support Manager ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I had an account with Coinbase for a short time. I tried to withdraw my money, but due to the deceptive way their website is set up, I actually transferred more money to them. I tried to contact customer service and they didnt respond. I Finally found out how to close my account and I did on XX/XX/2021. It is the XXXX of XXXX and my funds ( XXXX US dollars ) have still not been deposited to my bank account. Multiple customer service messages have not been answered.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit Bureaus have inaccurately reported an account by the name of XXXX XXXX XXXX. On my XXXX report it says this account is OPEN and the last payment date was made XX/XX/XXXX, and the original balance is {$29000.00}. On my Equifax report it says this account is CLOSED and the last payment date was made XX/XX/XXXX and the original balance is {$28000.00}. On my XXXX credit report is says this account is CLOSED and the last payment date was made XX/XX/XXXX and the original balance is {$29000.00}. 

They have inaccurately reported an account by the name of XXXX  XXXX XXXX on my credit report. On my XXXX report it says the last payment was made XX/XX/XXXX. On my Equifax report it says the last payment was made XX/XX/XXXX. On my XXXX report it says the last payment was made XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous 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 tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.I got one have tried reaching out numerous times and it was and there was nothing they could do about my money
Product: Mortgage

Hello, I 'm not sure if this is the way to handle this, but I 'm not sure what other resource to use. I had my mortgage with the charming Flagstar Bank. They took my home, and this is after me attempting four times to refinance it. They lost my documents every time, told me to resubmit, etc. etc. I did receive a settlement from them ( you ), twice. My question is, am I going to receive any other money? Because I lost over {$150000.00} ( cash ; the house was worth more! ) and I have only received back less  than approximately {$40000.00}. The most recent check number I have received is XXXX in the amount of {$1800.00}. The tracking number is XXXX. It was issued regarding the civil penalty fund third-party administrator regarding Flagstar Bank. I appreciate all that you have done so far, I really was n't expecting anything, and I think it 's horrible that they 've gotten away with what they have and they are still even allowed to be in business when all the rest of us have lost our home that we worked so hard to get. Frankly I think every little last dime they have should be given to consumers and they should be put out of business as a penalty. However, evidently things do n't work that way in America and the small guy, the consumer gest XXXX. That said, again, I appreciate every single thing you 've done. I would however like to know if this was the final payment or if there will be more disbursement in order to help me recover from what has been a horrible experience and which ruined my credit and of course lost my home. If you would please let me know as soon as possible I would really appreciate it. Thanks for being on the consumers side.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of XXXX XXXX. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The XXXX  of my XXXX  was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission XXXX XXXX affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged XXXX XXXX, not later than XXXX  business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.