23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2019 I made a reservation for a vehicle trough " XXXX for {$160.00}. This reservation was for a SUV vehicle to be picked up at XXXX ( XXXX International Airport ) at a company called " XXXX XXXX XXXX ''. As a frequent traveler renting vehicles, I have learned not to rent from small businesses with unknown track records which are usually off airport grounds. Turns out this company XXXX XXXX XXXX was not at the XXXX International Airport as advertised, it was at a lot, far from it. When I arrived at XXXX XXXX XXXX, as I got in line for check in, the the lady at the counter started asking customers in line if anyone was a Florida Resident. I answered yes. She immediately called me upfront aside and proceeded to inform me that the reason she asked was so that I did not waste time in line. She asked me if I was aware that Florida residents have different terms than those from out of state. I answered no. She said Florida residents usually do not rent from us, and proceeded to explain special clauses for Florida Residents. Two of these clauses, did not suit me for the purpose of my rental. One was high cost for exceeding mileage and the second, a prohibition to go out of the state of Florida. I proceeded to ask for my reservation to be cancelled since I was not aware of this. I had read clauses and restrictions provided online, and in no place I had read what I was just told. In fact, at the end of the Car Rental Company Rules & Restrictions provided by XXXX, as I recalled, it only stated Travel to XXXX is not permitted, travel to XXXX is not permitted. She said that because it was a prepaid rental, it had to be done with online company. I contacted online rental company XXXX and they denied to credit my card because it was a prepaid reservation. I proceeded to open a credit card dispute with the facts but credit card says " we are unable to obtain compensation from the merchant ''. Its appears to be that XXXX XXXX XXXX has deceptive and unfair trade practices, leading customers to misrepresentation of a very poorly redacted online contract/terms, resulting in hard to see or hidden clauses, and providing inaccurate or false information ; which ultimately lead in my case to cancellation of services - not provided, and potential loss of money through a no-cancellation prepaid policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of inquiry XX/XX/XXXX XXXX CARD-Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
FAIR COLLECTIONS & OUT - XXXX 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: Credit reporting or other personal consumer reports

I never applied for a vehicle through this company called XXXX XXXX XXXX XXXX tried to dispute this through all XXXX credit bureaus and I asked for an itemized statement of the vehicle was supposedly disbursed to me and they keep telling me that its accurate and I never purchased anything from them!!
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX {$5200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 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 caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

my XXXX XXXX account is a current account, the XXXX XXXX is reporting few negatives late payments on this account, which are inaccurate, i have spoken to them and also received a letter from the creditor stating that these must be removed and approval to the bureaus but so far no bureau has deleted any of them except XXXX, please make sure that experian and XXXX would also remove these negatives from my report, since they have received the letter as well. ( hence attached ) i would greatly appreciate XXXX XXXX acc # XXXX
Product: Credit reporting or other personal consumer reports

Contents of this complaint : This CFPB complaint has been filed to request pursuant to FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXXXXXX XXXX XXXX  of you receiving this complaint. 
This fraudulent, inaccurate, and false information consist of : XXXX XXXX - Balance {$1000.00} XXXX XXXX XXXX XXXX - Balance {$160.00} XXXX XXXX XXXX XXXX XXXX - Balance {$2200.00} XXXX XXXX XXXX XXXX XXXX - Balance {$990.00} XXXX XXXX XXXXXXXX - Balance {$1100.00} XXXX XXXX XXXX - Balance {$0.00} XXXX XXXX XXXXXXXX - Balance {$1600.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX - Balance {$760.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX - Balance {$6700.00} XXXX XXXX XXXX XXXX - Balance {$0.00} XXXX XXXX XXXX XXXX - Balance {$1500.00} XXXX XXXX XXXX XXXX - Balance {$3200.00} XXXX XXXX XXXXXXXX - XXXX {$370.00} XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( Unknown Address ) These accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections and address appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections and address are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and address are the result of identity theft and fraud.
Product: Debt collection

I had a lease and lease was over and electricity never turn off. I informed XXXX XXXX that we where closed and i did not receive the final bills from them. XXXX XXXX is also over charging people, did not take time to read those meters and according to what someone else was paying they assume to continue charging the same amount. and when you call to dispute they always come with a literature so they don't remove those high bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my CFPB Complaints # XXXX, XXXX, and XXXX, I realized that you have closed my complaints last XX/XX/22. I am resubmitting my complaint again today to inform you that the 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$1500.00}
Product: Payday loan

I took out a loan for {$490.00} for furniture. The advertising at the store said " 90 days same as cash financing. '' Wrong!! They said it would be {$550.00} over 90 days and they would charge me an extra {$15.00} to make that XXXX even payments. When I asked how much it would be to pay in full that day ( 5 days later ) I was told it would be {$540.00}. Then I was told it would be {$530.00}. Then after spending 45 minutes on the phone when them and exchanging many e-mails asking where these fees were coming from they had a " supervisor look into it '' and I 'm now paying the original amount plus a {$25.00} service fee. They have been deceptive from the start and just try to get as much money as possible out of people. Now that I 'm trying to pay it online ( for an extra {$10.00} charge ) there are more issue and if I call to pay it there 's another {$15.00} fee.
Product: Credit reporting or other personal consumer reports

I recently began looking into moving and I noticed inaccurate information on my report I began reaching out to Experian XXXX XXXX to get this information updated/ changed/ Deleted with no success or response Im hoping this complaint can get something resolved
Product: Credit reporting or other personal consumer reports

XXXX XXXX engaged in unlawful and deceptive financial practices that resulted in significant credit damage. XXXX : 1. Misrepresented itself as a credit-building service while failing to extend any actual credit ( TILA 1605, UCC 3-104 ).

2. Failed to disclose the risk of negative reporting, m
isleading consumers ( TILA 1666, FDCPA 1692e, CFPA 5536 ( a ) ).

3. Settled an account unilaterally without notice or consent, violating disclosure laws ( TILA 1666, FDCPA 1692f ).

4. Reported a " sales contract '' with no financial transaction, violating FCRA 1681s-2 ( a ).

5. Altered credit reporting post-dispute ( removing balances but keeping negative marks ), proving its own reporting was inaccurate. 


Financial Harm : Due to a thin credit profile, XXXX false reporting had an outsized negative impact on my financial standing. 

Credit loss, increased loan rejections, and inability to access financing. 

XXXX unauthorized reporting and inability to substantiate financial consideration constitute a significant breach of consumer protection regulations. Their actions violate multiple federal consumer protection laws, necessitating CFPB enforcement.
Product: Credit reporting or other personal consumer reports

I am submitting another CFPB Complaint in response to the Credit Bureaus ' recent evaluation. I am committed to resolving these matters, which necessitate a focused approach to my personal credit report. I am frustrated and concerned about errors that continue to be reported on my credit profile. These inaccuracies lack clarity regarding their accuracy and completeness. At this juncture, I am solely focused on rectifying the issues with my personal credit report. I am disputing the remaining information that needs correction. XXXX XXXX XXXX : {$0.00} - I have been disputing the payment status of this account for months now, and yet you have not corrected this erroneous information. The payment status you report differs from the payment history presented. I am certain that I have never missed a single payment, and yet you report this account as being late. I have previously asked you to provide proof of the information you report, but you have not done so. I urgently need you to correct the payment status of this account as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 my account with XXXX was satisfied via XXXX XXXX XXXX XXXX. 

Current Creditor : XXXX XXXX XXXX XXXX, XXXX Client Account # : XXXX Our Account # : XXXX Original Creditor : XXXX XXXX XXXX XXXX This letter acknowledges the receipt of payment ( XXXX ) on the above mentioned account. This letter shall serve as evidence that the above referenced account has been resolved. 
Amount Paid : {$760.00} Date Resolved : XXXX
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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: Money transfer, virtual currency, or money service

Hi this app is not letting me have a account ever time I open one the close it saying I violated the terms and its a lie because all I do it get money from family members or send them I am not scamming or breaking any law they being unfair with me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion multiple times via phone and mail regarding unauthorized inquiries on my credit report. I have not given any company permissible purpose to check my credit. I have not be able to resolve this with Transunion, I have notified them several times that I did not apply for any products or services. By reporting these Transunion is violating the fair credit reporting act. I was able to resolve this issue with both XXXX as well as XXXX. These inquires should be removed as soon as possible due to inaccurate reporting. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Due to a business closure in XX/XX/XXXX, my employment ended. Consequently, my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX mortgage payments were delinquent. In XX/XX/XXXX, I was contacted by my lender, " The Money Source '' and I was asked if I was additionally impacted by the Covid19 virus and suggested I go on a forbearance plan. I was told that at the end of the forbearance agreement, my loan would be modified, and I would simply start making my payments again. With that understood, I agreed. At the end of the forbearance period, I was contacted once again and asked if I was able to start making my mortgage payments and I said yes. 

A month later, I was advised that the agreement was now denied, and it was necessary to submit a loan modification application for their approval. I was ready, willing and able to start making the necessary payments. I was misled into believing that the forebeance was to help my situation and now The Money Source has filed a foreclosure lawsuit. They Money Source did not fulfill its original agreement and now is caused unnecessary financial burden. I am in the process of applying for mortgage assistance through the Illinois XXXX XXXX XXXX, working through a certified XXXX  XXXX XXXX locally. I would respectfully request that the lender live to its original agreement. I'm a XXXX and a Veteran. Your valued assistance is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and EQUIFAX are not investigating my disputes. US DEPARTMENT OF EDUCATION accounts on XXXX and 6 unauthorized INQUIRIES on EQUIFAX are not being shown as being DISPUTED
Product: Credit reporting, credit repair services, or other personal consumer reports

Company did nothing but send me a copy of a copy lease Never sent back requested documents Still reporting inaccurate information on my credit report with XXXX and XXXX Dates : XX/XX/2022 XX/XX/2022 ( Per letter it states to cease and desist for 30 days that was ignored by company )
Product: Credit reporting, credit repair services, or other personal consumer reports

My spouse was employed by XXXX XXXX  XXXX. While she was employed with them the owner XXXX told us we could get XXXX work done and we only had to pay for the lab work. I got XXXX XXXX XXXX and paid what they told me I had to pay, which was {$190.00}. Everything was ok, until my wife was fired and XXXX went by back and charged me another {$590.00} and then sent it to a collection agency which then put it on my credit report. This is very unacceptable from any dentist or doctor.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account : XXXX Account number : XXXX Balance : {$0.00} XXXX Account number : XXXX Balance : {$0.00} XXXX Account number : XXXX Balance : {$0.00}
Product: Checking or savings account

On XX/XX/2024, XXXX EST, XXXX, Senior Operations Associate ( Betterment ) sent me the following email, " After reviewing your account, we have determined that our platform and services are not a good fit for your needs, and have terminated your client agreement. '' Betterment closed my account and should returned the money back to me automatically. 
However, that's not the case. After that day, XXXX asked me to provided some documents and I sent the documents to betterment via the link they provided. I sent many email to track the progress and everytime I got the response like " we are waiting for our bank partner XXXX to process ''. XXXX days later, I did not get the funds back from betterment.
Product: Credit card

Card was charged before we even activated or received the cards, there were 3 cards in total that got hacked and we did not use either one at all. We reported the issue immediately when we noticed it and to this day approximately 6 months later, this issue still has not been resolved. Instead the fraudulent balance is still there and they keep charging us late fees.
Product: Credit reporting or other personal consumer reports

I have disputed inaccuracies on my credit report to transunion, XXXX and XXXX  and they all failed to move forward with my dispute.
Product: Credit card or prepaid card

Well Fargo Closed my credit card for no apparent reason. I barely had a chance to use the card. Basically they said my credit score had dropped slightly and I am no longer worthy of the credit limit that they had given me in the amount of {$3000.00}. I have never been late on any credit cards and now this is hurting my utilization score and credit number. I cant even get anyone in the phone. The card number is XXXX XXXX XXXX XXXX This is just so upsetting when I have not done anything wrong. XXXX XXXX XXXX XXXX XXXX XXXX