23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX XXXX XXXX from XXXX on XX/XX/XXXX at the time of purchase I did not have a strong financial background in terms of a job as I was working part time for a retail company making {$10.00} an hour and was a XXXX XXXX XXXX. The car salesmen was aware of this, he asked me to provide my paystubs and student loan information as he will handle the rest on his end. I was only XXXX years old and saved up {$2500.00} from working I had no idea what I was doing but I was looking for a car to get me back and forth from XXXX  to XXXX XXXX for XXXX. In XXXX, I became XXXX  with my XXXX XXXX  and had a difficult XXXX which required me to be out of work often, in result I was not making enough money to cover the $ XXXX monthly car payments. I tried discussing a payment plan with XXXX XXXX XXXX however they were not inclined on making such a plan as they wanted a full payment. In result on XX/XX/XXXX the vehicle was repossessed, I did not have the money to pay the past due balance and the fees associated to obtain the vehicle again. When I called late XXXX of XXXX about the vehicle I was told the vehicle had already been sold and the final amount of the account will be sent to me. 

My last call to XXXX XXXX  XXXX was sometime in XX/XX/XXXX as I received a notice with a balance of around {$14000.00}, I inquired on why the amount was higher than what the vehicle was purchased and why they were attempting to collect on a balance of {$14000.00} when the vehicle was sold and funds were recouped from the loss of the sale. I did not receive a direct response but instead the call was forward to a department to discuss the situation however no one responded the call. When the account was placed on my credit in XX/XX/XXXX it was first reported as a repossession than in XX/XX/XXXX it was changed to charged off. I have been disputing this case with all three credit bureaus due to the egregious errors placed on my credit and the shady practices that XXXX XXXX XXXX is participating in. XXXX XXXX XXXX has placed on my credit file that {$7500.00} was written off and {$10000.00} is past due. How can I owe {$18000.00} on a vehicle that was not merely purchased for that price, I purchased the vehicle for around {$13000.00} and the vehicle was sold in under 2 months upon repossession. I never received documentation on how much the vehicle was sold for and I still do not understand why there is a balance of {$10000.00}. 
In XXXX, I received notification from the state of Maryland that my account in question was eligible to have the outstanding loan to be waived under a court case that was ongoing. When I contacted XXXX XXXX XXXX to discuss my account and it being waived I was told my account was not included in the waived account list. When I researched it further and contacted the hotline where account holders can obtain further information about the case I was told that my account is apart of the waiver.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate personal information and negative accounts on my credit report. To this day over 60 days later I have not received a response yet. I sent letters to all XXXX bureaus, I am being wrongfully accused of these delinquent, charged off accounts. This represents myself as an irresponsible individual. I'm being taken advantage of and being ignored of my disputes, which is costing me my life. No apartment is willing to accept my application, no mortgage lender will provide me home loans. I am XXXX!!! 


Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 


In accordance with the Fair Credit Reporting act. XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. These addresses do not belong on my credit report nor do these negative, delinquent, charge-off accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX Acima credit added a derogatory mark on my credit report per XXXX. Upon further research this account was transferred/sold and am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract or written signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mine. According FCRA Acima credit has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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 Code 1681a- Definitions ; rules of construction - Exclusions- Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experience between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Vehicle loan or lease

I was not notified of any action or balance against my loan account. I was not provided with any communication ( Email, Call, official XXXX mail ) explaining that my vehicle was to be repossessed and that my account had gone unpaid on their side. I had used their provided payment portal through their phone number to process payments up to this point. I had only even been notified that my vehicle was repossessed after my roommate noticed it was not where it had been parked, and I called my financing company The company is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I have received numerous calls from this company and I have told them several times when I did answer their calls to stop calling and put everything in writing. I am the only person who answers my cell phone. The last time they called I informed them that I was filing a complaint with Consumer Financial Protection Bureau, this call happened on XX/XX/XXXX and the caller ID showed it was XXXX XXXX  ( other calls showed Caine & Weiner XXXX, which shows that they were trying to hide the fact it was Caine and Weiner and were violating Federal and State law. They had called XX/XX/XXXX ( I did not answer and that is because I had told them to stop calling me ), they also called on XX/XX/XXXX, XX/XX/XXXX ( did not answer because I had told them not to call me ), XX/XX/XXXX ( did not answer because I had told them to stop calling me ). on XX/XX/XXXX I had answered the call from Caine and Weiner ( call lasted XXXX seconds ) and I had informed them to not call me at all and to send everything in writing to me. They called me on XX/XX/XXXX and I did not answer this call because I did not hear my phone ring. I also received a call on XX/XX/XXXX which I did not answer because I was busy and did not hear my phone. I have received calls from this company and they used different phones.
Product: Debt or credit management

Lexington Law charged me a monthly fee for credit repair which produced no results
Product: Credit reporting, credit repair services, or other personal consumer reports

A debt has been illegally reaged on my credit report again. I disputed it previously with Equifax and it has magically reappeared. 

The information on the debt is : Creditor : XXXX XXXX XXXX Amount : {$360.00} Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX This debt is 7+ years old. I have moved from XXXX so there is no way that this is accurate.
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 XXXX 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX I was approved for a XXXX loan with an administration fee which was XXXX percent of the amount which is XXXX. The loan was funded on XXXX and was paid in full on. XXXX. I spoke with a representative on XXXX regarding a refund for my administration fee which I was told I would only receive XXXX percent of the XXXX and that XXXX percent was non refundable. I spoke with a supervisor who told me I would receive XXXX within XXXX calendar days. No where in my contract does it state that a refund process will take XXXX calendar days. I filed a complaint with the XXXX on XXXX and have yet to get any response or update. I am requesting a full refund of the administration fee due to deceptive practices. I was funded in XXXX business day and I paid my loan in XXXX business day so I should get my refund in XXXX business day
Product: Checking or savings account

On XX/XX/2020 I was charged on my debit card {$73.00} by XXXX XXXX for an order that I called XXXX XXXX customer service and cancelled that same day ( on XX/XX/2020 ). Which I confirmed WAS within their 7 day cancellation policy for full refund. When I called and spoke with merchant ( XXXX XXXX  ) again on XX/XX/2020 ( 7 days later ) to inquire why I havent received refund? XXXX XXXX customer service said it can take up to 5 business days to see credit. I waited and called again on XX/XX/2020 ( 15 business since order date ) and was told they issued credit/refund to me and if I didnt receive funds then I needed to contact my card issuer. So, I contacted Simple Bank and was told I needed to submit a dispute form which was submitted ( and confirmed receipt of dispute form ) on XX/XX/2020. Ive contacted Simple bank a total of 17 times asking for update and inquiring why I havent receive my provisional credit per efta federal law after the initial 10 days?! Most frustrating, when I call I can only have the customer service rep send an email to dispute investigator, no contact phone number. Or when Ive sent 13 emails with a total of only 2 reply responds that state the same response sometimes it can take up to 90 days to get a finalized investigation conclusion. Ok well its been over 90 days!
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX : # XXXXXXXX XXXX  XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX : # XXXXXXXX XXXX : # 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 604A 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, other than records of conviction 's 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 card or prepaid card

I purchased a XXXX prepaid card on XX/XX/XXXX2018 and was told at register after I loaded {$230.00} onto it would be immediately available for use. I went outside tried to activate the card and it keeps declining do to identity verify. I tried to return it right away within 10 min of purchase without even leaving their parking lot on XX/XX/XXXX2018 as I couldnt use it and was denied do to it being a prepaid card. I called XXXX card the same day setup a pin and gave my information they said they couldnt verify all I would need to email them color copies of my ID, front + back of the prepaid card and copy of the receipt before would be activated to incomms email they gave me. I sent in the documents as they requested onXX/XX/XXXX2018z When I call them today XX/XX/XXXX2018 to see if it has been completed Im told they want color copy of my social security card now emailed to them. I dont feel comfortable emailing them all my personal information they are now requesting I shouldnt have to provide. Ive already provided my state issued identification and proof of address and Purchase of the card. I simply asked to get a refund sent to my address shown on my Id with the receipts and proof of card purchase. They are denying me access to my funds which I have proved are mine and have receipts for everything. This is not fair for them to take my money and hold it hostage while failing to give me reasonable option to release. I want my money returned to me.
Product: Debt collection

These crooks were sent a Cease and Desist letter through your office as well as the IL Attorney General in XXXX  look at my file! This is also a time barred credit card debt that is well over 15 yrs old the statute of limitations for credit card debt in the State of IL is five years so you need to enforce the FDCPA laws on them for trying to collect on it and I am not required to send them anything nor will I be and am sending all to a debt collection attorney to sue them!! They also sent me four copies of this fraud letter in one day more harassment!! If they contact me again I will also be suing them for stalking and harassment!! I want a copy of my complaint forwarded to the FTC and IL Attorney General so they also can go after them!!!
Product: Mortgage

In late XXXX I took out a {$65000.00} mortgage with Sun Trust Bank. At that time we arranged for {$620.00} to be debited via ACH from my XXXX XXXX XXXX XXXX ( North Carolina ) checking account early each month. This amount would be deposited into my Sun Trust checking account. Sun Trust would then take the {$620.00} from that Sun Trust checking account to make the monthly payment on my mortgage on the XXXX of each month. I put {$300.00} into my Sun Trust checking account to set up that account. 
This system worked fine from XX/XX/XXXX, when my mortgage payments began, through XX/XX/XXXX, when Sun Trust became Truist. For the XX/XX/XXXX mortgage payment, Truist did not ACH the {$620.00} from my XXXX XXXX XXXX XXXX into my now Truist checking account. I checked with XXXX XXXX XXXX XXXX, which said it had no record of an attempt by Truist to ACH the funds. 
Because Truist did not ACH the funds into my Truist checking account in XXXX, when Truist tried to take {$620.00} from that account, there were insufficient funds to make the monthly mortgage payment. Truist then began to assess fees, which so far have amounted to over {$200.00}, reducing my Truist checking account balance from {$300.00} to {$72.00}. Truist claims it tried to ACH the funds, but there were insufficient funds in my XXXX XXXX XXXX XXXX account. I have provided Truist with a running total of my checking account balance in XXXX through the XXXX of the month, when Truist tried to take my mortgage payment from my Truist checking account. That running balance shows there was always more than {$2000.00} in my XXXX XXXX XXXX XXXX checking account. So Truist 's claim of insufficient funds in my XXXX XXXX XXXX XXXX account is not true. So much for the bank 's name. 
I have made the XX/XX/XXXX mortgage payment by check today ( XXXX ). I have spoken to a banker in a Truist branch, but she has no authority to reverse the over {$200.00} in charges on my Truist checking account and no ability to determine whether Truist in fact tried to ACH {$620.00} from my XXXX XXXX XXXX XXXX checking account. 
I want the fees Truist has assessed -- and any fees Truist will assess going forward -- restored to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY WAS STOLEN. I DID NOT AUTHORIZE ANY OF THESE ACCOUNTS. PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT. MY CREDIT SHOULDNT SUFER BECAUSE THESE COMPANIES ALLOWED FRAUDULENT ACCOUNTS TO BE OPENED WITHOUT MY PERMISSION.
Product: Credit reporting or other personal consumer reports

I disputed multiple incorrect credit reporting with XXXX, XXXX and TransUnion. I also requested proof and did not receive anything. I also requested for multiple credit inquiries to be removed because it was for one purchase depending on the category.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Request for Deletion of Expired Account Information Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c ) Dear XXXX XXXX XXXX XXXX, I am writing to formally dispute the continued reporting of an account associated with XXXX XXXX XXXX XXXX, Account Number XXXX, on my credit report. This account, opened on XX/XX/XXXX, was closed as of XX/XX/XXXX, and contains negative payment information from XXXX. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c ( a ) ( 4 ), negative information such as late payments can only be reported for seven years from the date of first delinquency. In this case : The first delinquency occurred in XX/XX/XXXX, followed by further late payments in XXXX and XX/XX/XXXX. 
As of late XXXX, these negative marks exceed the seven-year reporting limit and should no longer appear on my credit report. 
Given that this account is now beyond the legally permissible reporting period, I respectfully request the following actions : Immediate deletion of this account from my credit report with all major credit bureaus ( Experian, XXXX, and XXXX ). 
Confirmation of this deletion in writing once the request has been fulfilled. 
I have attached a copy of my credit report highlighting the account in question for your reference. Please also be reminded that, under the FCRA, you are required to investigate and respond to this dispute within 30 days. 
Failure to address this matter appropriately may result in me filing further complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other regulatory bodies. 
Thank you for your prompt attention to this matter. I look forward to your written confirmation of the requested deletion. 
Sincerely, XXXX XXXX
Product: Debt collection

This has been removed and keeps popping up with different collection agencies on my credit report. I do not owe this nor have they responded to repeated attempts to validate and prove this is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to experian and filed disputes about the two negatives on my credit report. I get no response and don't know why it is still showing on the credit report after 10+ years. Law states that it should automatically drop off credit report 7-10yrs. This debt started in XXXX well beyond the laws stated drop off period.
Product: Credit reporting or other personal consumer reports

XX/XX/23 ; XX/XX/23 ; XX/XX/23 - every month I have sent in requests of the investigations and proof regarding the inaccurate information reporting on my credit and continuously receive no response. While information stays reporting incorrect, unknown, and unverified.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep disappointment with the lack of response to my previous dispute letters sent on [ date or dates ] regarding inaccuracies in my credit report. Despite your obligation under the Fair Credit Reporting Act ( FCRA ) to investigate and respond to consumer disputes in a timely manner, I have yet to receive any acknowledgment or resolution of my concerns.

As outlined in my previous correspondence, I have identified several discrepancies in my credit report that require immediate attention. These inaccuracies have the potential to adversely affect my financial standing and opportunities, which underscores the urgency of addressing them promptly.

I remind you of your responsibility under the FCRA to conduct a thorough investigation into the disputed items on my credit report and to provide me with a written explanation of the results within 30 days of receipt of my dispute letter. Failure to do so not only violates federal law but also undermines the integr
ity and purpose of credit reporting systems designed to ensure accuracy and fairness for consumers.

I hereby request that you expedite the investigation of my disputes and provide me with a comprehensive and transparent resolution at your earliest convenience. Additionally, I expect to receive written confirmation of the actions taken to rectify the inaccuracies in my credit report.

If I do not receive a satisfactory response within the specified timeframe, I will be compelled to explore all available legal avenues to enforce my rights under the FCRA, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel.

I trust that you will take immediate action to rectify this matter and uphold your obligations under the law. Thank you for your attention to this urgent matter.