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

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX. XXXX, XXXX Account # XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act US DEPARTMENT OF EDU Account # XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act US DEPARTMENT OF EDU Account # XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX 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, credit repair services, or other personal consumer reports

several times ive tried to contact sagestream to find out about my security freeze with no response or letter in the past 30
Product: Debt collection

Received a letter in the mail that looks like a court document ( this is illegal in CA and most states ). I called and they stated they have a judgments against me from 2009, I never went to court for anything, never received any proof of service. I completely do n't understand this debt. They are also stating they are attorneys trying to collect on a debt from 2009. Statue of limitations in CA is 4 years. The letter is from Resurgence Legal Group. Attorney XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Bank account that had XXXX dollars XXXX added XXXX charges of XXXX to account for no reason as the loan agreement was on an authorization for payment on XXXX.
Product: Debt collection

XXXX XXXX from Recovery Solutions Groups LLC. is trying to collect for a debt, which # 1. This company ( RSG ) is not Licensed in Idaho. 
# 2. He has not sent me a copy of this so called bill, even after I informed him of not receiving the bill, which I found out from ( XXXX owner of XXXX XXXXXXXX ) the company had sent bill to wrong address, after having my address for over 25 years. 
# 3. He called at XXXX, a clear violation of collections acts. I have recorded calls. He also called over 25 times in a day and kept calling after I notified him not to call. 
# 4. After filing a dispute with his company, he refused to send me copy of the current bill. 
# 5. after I made payment of {$700.00}. to debtor he still called and sent threatening letter. 
# 6. He ( XXXX ) had a third party call and threaten he was going to trespass on my property in order to take pictures of my private property. 
# 7. The XXXX. also threatened a lien which by law he ca n't do because ; ( A ) past 90 days. 
( B ) work was not performed on my property.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX556****-Balance {$0.00} XXXX XXXXXXXXBalance {$0.00}
Product: Credit reporting or other personal consumer reports

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

XXXXXXXX XXXX XXXX # XXXX, XXXX/DEPT OF ED # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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

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

XXXX : # XXXX, XXXX XXXX XXXX : # XXXX  XXXX XXXXXXXX : # XXXX XXXX XXXX  : # XXXXXXXX XXXX XXXX XXXX XXXXXXXX : # XXXX XXXX # XXXX ; # 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 XXXXXXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I was previously in foreclosure proceedings in XXXX County Supreme Court, where I was represented by XXXX XXXX XXXX under Index No. XXXX. After negotiating with my bank, I received and executed a loan modification on XX/XX/2013. My lender was represented by a law firm called XXXX XXXX XXXX. On XX/XX/2013, all parties in the foreclosure case agreed by stipulation to discontinue the case because my loan had been modified. We filed the stipulation to discontinue with the clerk of the Court in XXXX County. On XX/XX/2013, we appeared in court to confirm that the matter was being discontinued, which in fact it was. 

I then proceeded to begin paying on my modified loan. However, I recently noticed that a charge for {$1700.00} began appearing on my monthly mortgage statements. Through XXXX XXXX XXXX, I sent an XXXX to my loan servicer seeking an explanation. They told me the charge was due to legal fees accrued by XXXX XXXX XXXX, and attached an invoice stating that the charges derived from a " bad faith Court directed hearing '' on XX/XX/2013, and covered correspondence, preparation of a witness, and an attorney 's appearance. However, there was no such hearing, as all parties had signed a stipulation to discontinue the case as of XX/XX/2013. XXXX issued an invoice for services it never rendered for a case that had already been discontinued without a " bad faith hearing. '' The XXXX firm has been targeted by federal law enforcement for systematically overbilling XXXX and XXXX lenders for foreclosure-related expenses, and my loan is a XXXX XXXX loan . The fact that my lender is now trying to pass off these fraudulent bills onto my account shows that this practice continues to harm borrowers like myself, and I want this charge removed from my mortgage loan.
Product: Credit reporting

This situation relates to a recurring problem I 've been having with Experian. I keep my credit frozen, and only lift the freeze when I know I am applying for credit. I have not had a problem temporarily lifting freezes with XXXX. For the XXXX time in 3 months I have had credit denied because Experian will not lift the freeze on my account. They requested I send additional information to them. I have done that using XXXX XXXX Mail and I have a receipt to show they received the information. They still have not lifted the freeze. Not to mention the other XXXX agencies charge {$5.00} to lift a freeze and Experian charges {$10.00}. I do not believe they are acting in a way that encourages consumers to protect their credit. The XXXX time I complained to you about this, they sent me a credit report. I never asked them for a credit report - I asked them to lift the credit freeze on my account! I am at the end of my patience with them and hope you can help.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding a purchase made through Afterpay and subsequent billing issues. Below are the relevant details : Date of Purchase : XX/XX/year> Retailer : XXXX XXXX Original Purchase Amount : {$250.00} ( paid via Afterpay installments ) Payments Made Before Return : Two installments of {$63.00} each, totaling {$120.00} Return Date : XX/XX/year> Refund Issued : Store credit gift card on XX/XX/year>, for {$140.00} After returning the items, the refund issued by XXXX XXXX left an outstanding balance of {$110.00}. The two payments I had already made to Afterpay should have fully covered this amount.

However, Afterpay has stated that I must still pay the full original purchase amount of {$250.00}, citing their practice of fronting the total at the time of purchase. In my experience with previous returns, if the installments already paid exceeded the outstanding balance after a refund, the remaining installments were typically canceled. 

I believe this discrepancy warrants investigation to ensure compliance with consumer protection laws and fair billing practices. I request your assistance in resolving this issue. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX
Product: Debt collection

My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, XXXX notify creditors XXXX police report XXXX informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and don't care who's credit or lives they impact.
Product: Debt collection

Capital One has been calling and I do not have an account with them. I called and talked to Rep. XXXX today ( XX/XX/XXXX-18 ). I explained that I Do Not have an account with them. I suggested that information associated with my phone number could be the problem. Someone has been calling my number for quit some time now, and it is very annoying. They are calling with " Out of Area ''  numbers. When I answer, the caller hangs up.
Product: Checking or savings account

I traveled to New York XXXX for XX/XX/XXXX weekend in XXXX. I noticed when checking my account balance on XX/XX/XXXX a paypal transfer to someone I didnt recognize. Also realizing I didnt have a XXXX account. I contacted Bank of America and notified them of XXXX separate transactions from XX/XX/XXXX to the XXXX totaling {$10000.00}. The BofA fraud representative completed the internal paperwork and BofA returned the {$10000.00} in funds within XXXX business days later. I was informed by the representative the fraud department would handle and no additional action was required by me. 

BofA then proceeded to withdraw the funds they returned on XX/XX/XXXX and XXXX of XXXX. I immediately notice these withdrawals and contacted the fraud department. They informed me that they were taking back the funds since it took XXXX days for me to recognize the fraud on the account and report it. They also stated in that same call they only received a response from XXXX with details of the fraud committed and provided me the persons name, originating address for the XXXX pickups, their phone number and email. I was then informed to file with the NY XXXX XXXX I contacted my local police department so they could transfer the complaint to the appropriate NY jurisdiction. 

Please note the fraud committed was a combination of the following of which would easily identify who perpetuated the fraud. 

Over XXXX Payments made to XXXX, XXXX different times a person transferred funds using XXXX XXXX, XXXX transfers and even XXXX orders of Dominoes pizza on the same day, along with the Lyft accounts. 

Bank of America with a minimal amount of due diligence and investigation could have easily found the culprit. Additionally, I was using my card at XXXX XXXX area in XXXX, FL the same days someone in NY was transferring, withdrawing, etc.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and dissatisfaction with the second unsuccessful attempt to remove fraudulent items from my credit file. Despite my continued efforts to rectify this matter, the fraudulent entries persist on my credit report, causing significant distress and negatively impacting my financial standing. 

I have previously submitted identity theft affidavits, police reports, and supporting documentation in my initial attempt to correct these inaccuracies. Unfortunately, the necessary actions were not taken to ensure the timely and accurate removal of the fraudulent items. 

The continued presence of these inaccuracies is not only affecting my creditworthiness but is also causing significant challenges in securing credit, obtaining favorable interest rates, and managing my overall financial well-being. 

I urge you to conduct an immediate and thorough reinvestigation into this matter to expedite the removal of the fraudulent items from my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this second complaint and outlining the specific steps that will be taken to address and rectify the fraudulent items promptly. 
Failure to resolve this matter in a timely and satisfactory manner may compel me to escalate my complaint to regulatory authorities and seek legal recourse to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXXXXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXXXXXX XXXX Balance : {$6400.00} - tiXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX
Product: Student loan

Nelnet Nelnet has been asked to provide proof of All loans for account Account : XXXX and has not Nelnet has been asked to provide validation of All debts Information regarding approval and validation needs to include accurate information that matches information reported to CRAs for Account : XXXX and has not NELNET has been asked provide records of All purchase of loans from other companies for Account : XXXX and has not Nelnet Per FDCPA this Must be provided within 30 days when requested and was not has in over 19 ( by own admission ) instances to the CFPB and Company asked for information that is reported incorrectly on Credit Report to be removed or changed This has not happened Nelnet has violated FCRA by failing to provide accurate and timely information to a CRA Nelnet has violated Federal and State Negligence Laws by failing to act in a manner consistent with a negligent act
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX Account # XXXX. XXXX XXXX XXXX XXXX XXXX  Charge-Off, 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/year> XXXXXXXX XXXX XXXXXXXX XX/XX/year>25 XXXX XXXX/XXXX/25
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment I feel there are still items on my file that need to be repaired. For that reason, I request that all of the attached inaccurate information listed in my credit file be removed immediately : ( 1 ) XXXX XXXX XXXX Balance : {$XXXX} ( 2 ) XXXX XXXX Balance : {$XXXX} ( 3 ) XXXX XXXX XXXX XXXX Balance : {$XXXX} ( 4 ) XXXX XXXX Balance : {$XXXX. I look forward to receiving an updated copy of my credit report reflecting the correct information. I would appreciate it if you would take action on this matter as soon as possible. Thank you in advance.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint under the Fair Credit Reporting Act ( 15 U.S.C. XXXX ) regarding inaccurate, negative, and unverifiable information reported by Equifax, Experian, and TransUnion on my consumer credit file. I have been directly affected by a data breach involving these credit bureaus, which has compromised my personal information and led to unfair credit reporting practices. 

As a result of this breach, my credit file contains inaccurate negative items, including late payments and collection accounts that are unverifiable and were potentially placed due to fraudulent activity or mishandling of my data. Under 15 U.S.C. XXXXi, I have the right to dispute any inaccurate or unverifiable information, and the credit reporting agencies are required to conduct a proper investigation. If they can not verify the accuracy of the information, it must be deleted permanently. 

I formally request the immediate deletion of all negative, late payment, and collection accounts from my credit report as they are unverifiable and negatively impact my financial well-being. Failure to comply with this request constitutes a violation of my rights under the Fair Credit Reporting Act, and I am prepared to escalate this matter through legal channels if necessary. 

Please provide a written response confirming your receipt of this complaint and outlining the corrective actions that will be taken. I expect full compliance in accordance with federal law. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I applied for an online loan of {$5000.00}. They approved me & sent the contract. There was an addition on the contract that said I have to pay the taxes on the loan. No mention of them having to be paid upfront otherwise I would not have tried to get the loan. Then they said I had to pay {$100.00} application fee, then there was {$370.00} insurance fee, then {$480.00} financial taxes, then {$650.00} stamp fee & now the want an additional fee of {$840.00} loan clearance charges. I have paid all these fees except the {$840.00} via XXXX XXXX card & have the cards & receipts but nothing is showing up on the cards when I check them & they cant be located. This so called Lightstream loan company agents have all of my personal info, name, address, dob, social security number, employer, bank routing number & account number. I have lots of text messages from these XXXX individuals & an emailed & printed contract. I have names of XXXX XXXX phone number XXXX, XXXX, XXXX & also XXXX XXXX XXXX. 
I am pretty sure that i have been scammed & robbed of my money. Can you please help me with this please??
Product: Vehicle loan or lease

I purchased a used XXXX jeep liberty at li auto buyers in XXXX XXXX ny and financed with credit acceptance in XXXX XXXX i then filed a small claims civil suit XXXX months later at the end of XXXX in second district court in XXXX ny XXXX i received my entire down payment on the vehicle back because a judgment was placed against the dealership. i got that back in XXXX and returned the vehicle as a voluntary repo due to the car being unhealthy and safe to drive. i now and trying to get the loan taken off my credit line so i disputed it with the credit lines. credit line ruled it accurate when i sent my documentation from court stating i received all my money back and no longer have possession or own the vehicle. credit acceptance is telling me they will settle for {$1400.00} to take it off my credit. i have another unsafe vehicle now after having to settle when i got rid of the jeep financed with credit acceptance, and i can not trade what i have in because i have the other credit acceptance loan on my credit i have a child and a single parent i am trying to fix my credit and credit acceptance will not take it off even though i sent them court documents showing i got my money back from the dealership that did my paperwork with them .the dealership or bank also took money out of my down payment because i put down {$5000.00} and my credit acceptance paperwork says i only put down {$3900.00}