23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

PayPal Credit simply ignores my claims to refund me on an authorized charge. The charge was made on XX/XX/XXXX and as of XX/XX/XXXX I still can not get my money back from PayPal. I keep wasting time on calling and waiting for a PayPal customer service agent to pay attention to the problem, filing disputes, receiving meaningless emails. But the only reasonable thing - getting my money back - is not happening.
Product: Checking or savings account

Wells Fargo has issued XXXX Resolution Reports and in both reports, they missed answering many questions. 

In addition, Wells Fargo marks most of the complaints as duplicates and by doing so avoids answering all of the questions/addressing the issues. 

So the purpose of this complaint is to once again try to get this arrogant bank to cooperate. After an almost 1 year one-sided biased secret investigation, Wells Fargo issued a Resolution Report # XXXX and missed major issues. 

The tone of the report was one of impending liquidation and reflected the biased and one-sided as the secret investigation.
Product: Vehicle loan or lease

On XX/XX/XXXX i purchased a XXXX XXXX XXXX ( used ) from a dealership for the price of {$34000.00} including taxes, fees and int rate, the interest rate was ( 28.99 % ), but long story short this dealership sold me a faulty damaged vehicle, I was told that it was fully inspected, serviced and maintenance before given to me and that there was XXXX issues whatsoever and that it was 100 % safe for me to take I test drove the vehicle and everything was good, the week after ownership I started noticing overheating issues, I took it to my personal mechanic which he fixed and told me there was burnt wires and sensors, cracked radiator, and a broken fan Thats pretty suspicious because the dealership inspected and serviced the vehicle, XXXX weeks later, the car blew up and caught on fire while I was driving and I almost lost my life. The car is completely totaled and lost, i have not been paying or making any payments whatsoever towards this vehicle and that is damaging and ruining my credit I would love to have this removed as if it never happened.
Product: Credit reporting or other personal consumer reports

I am writing this letter with a sense of desperation and anger that anyone in my situation would understandably feel. I have provided concrete evidence in the form of an FTC, so I am utterly dismayed by your bureau 's unexpected and unjust denial of my identity theft claims. I was the victim, and I am baffled as to why the credit reporting agency is not adhering to the law, especially when the other bureaus have done so. I am particularly confused as to why this particular bureau seems to be ignoring my requests. Your refusal to do so is not just a failure of duty especially when the bank has already approved of removing the account from my file, but a disregard for the suffering I have endured. XXXX and XXXX have already removed this account from their records due to an identified error. I am confused about how you have verified it while the other bureaus have removed it. Please delete this from my file, as it is inaccurate, erroneous, incomplete, or unverifiable. 


DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX
Product: Debt collection

I recently disputed inaccurate information on my credit report from this company that claim I owe a debit! Ive sent dispute letters several times asking them to please provide me with verifiable documentation that bears my Signature that states I owe them the debts they claim I owe, the Document that were provided to me did not bear my Signature in fact they provided me with an itemized print out of a statement which does not constitute debt verification, Per FTC opinion letter from attorney XXXX XXXX XXXX. I still have not received the documentation I formally ask them to provide me and they are still reporting inaccurate information on my credit report that keep get verified every time I dispute it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX accounts have violated my rights. 

XXXX XXXX XXXX XXXX  ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX. ( XXXX  XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  ( XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX. ( XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX. ( 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 602 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

Good afternoon, I denounce that without legitimate authorization, was consulted by 5 financing entities for the purchase of a vehicle, I do not know since I have a vehicle of my own without credits, I only approached the car plaza to ask the cost of a vehicle, NEVER AUTHORIZE THEM TO CONSULT FINANCIAL INSTITUTIONS, FOR WHICH I DENOUNCE THIS UNPROFESSIONAL AND daring BEHAVIOR on their part, when I observe it is that I was consulted by these entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX What has been denounced is that I never gave my approval to the vehicle sales store and neither to financial institutions, for notifications to my email address.
Product: Debt collection

In accordance with the fair credit reporting act Midland credit management has violated my rights. 

Violation of privacy and consent 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 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.

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 any purpose
Product: Credit card

MY XXXX store credit cards were being paid thru Synchrony Bank thru auto pay. In XXXX of 2024 I changed banks. All information was changed on-line to Sync. Bills did noe XXXX paid in XXXX of 2024. Contacted Sync, went over all information. They said it was correct, and my bank information was incorrect. Conrtacted bank and verified all numbers were correct. They also ran an ACH Transaction History finding the XXXX  number ( which is the same XXXX the account number ) Sync was using was wrong. This back and forth with Sync went on over 2 months. The only way I was albe to make payments was thru my debit card, the numbers are the same. Contacted an attorney, even after their letter, with proof Sync was using wrong bank numbers, Sync. refused to change their system to correct bank numbers. Now Sync stated they have an incorrect address. Sync has all accounts in the rears, added late fees and inflated interest fees to all accounts causing mental stress.
Product: Student loan

My new student loan service provider, Aidvantage, changed my repayment plan without my consent. I did not want to enroll in the XXXX plan, and wanted to stay in the standard plan. My online portal says that in order to change this, I need to contact customer service and can not make that change online. 

I have repeatedly tried to contact this company. I have tried to call them six times over 3 weeks, and have been on hold for more than XXXX hours each time, with no estimated wait times, or ways to schedule a call back. Their online chat feature says " we are experiencing longer wait times than usual and this feature is unavailable at this time ''. I have also created two separate support tickets two weeks apart. Their automated response says " someone will reach out in 2 business days '', but there is no response. 

I have searched on XXXX, and there are dozens of people saying they have the same experience, and can not reach anyone ; being hold on the phone for hours without a response. No calls, no emails, no chat, no way to change my plan.
Product: Checking or savings account

I have no idea how but the hacker or scammer log in to my chase account and use my information to get loan 's
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally dispute the reporting of an inaccurate balance on a charged-off account listed on my credit report by Discover Bank account number XXXX According to the Fair Credit Reporting Act ( FCRA ), all information furnished to credit reporting agencies must be accurate, yet this account is incorrectly reporting a balance despite being charged off. 

Nature of the Dispute : Incorrect Balance Reporting : A charge-off is an accounting action indicating that a creditor has written off the debt as uncollectible. However, [ Creditor Name ] continues to report a balance, which may mislead creditors and negatively impact my credit profile. 
Potential FCRA Violation : The continued reporting of a balance on a charged-off account can be considered inaccurate or misleading under FCRA guidelines . If the original creditor has sold the debt to a third party, it should no longer report a balance, only a charge-off status. 
Failure to Update Credit Reporting : Despite my previous attempts to dispute this issue with both the creditor and the credit bureaus, the inaccuracy persists. 

Requested Action : 1. Investigation & Correction : I request that CFPB investigate [ Creditor Name ] for its inaccurate reporting and ensure that the charged-off account reflects a XXXX balance if the debt has been sold or is no longer legally owed to the original creditor. 
2. Verification of Compliance : I ask CFPB to ensure that the creditor is in compliance with all FCRA regulations regarding charge-off reporting.

3. Immediate Update to Credit Bureaus : If the balance is being improperly reported, I request that the CFPB direct the creditor to update the account information with XXXX, XXXX, and XXXX to reflect the correct status. 

I have attached copies of my credit reports showing the inaccurate reporting showing the reported balance that have been recently updated in 2025 despite being charged off I request that CFPB take immediate action to resolve this matter. Please provide a written response outlining the steps being taken. You may contact me at XXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, La XXXX XX/XX/year> To : Whom it May Concern Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, XXXX, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for { Charge off amount goes here } from { Creditor Goes here/ or company account was sold too }, listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. 
Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 

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

I obtained my LexisNexis Consumer Report and there was a Bankruptcy reporting from U. S. Bankruptcy Court listed on my report. I never gave LexisNexis any written consent to report or furnish my Bankruptcy public records. Under the FCRA [ 15 U.S.C. 1681 ( B ) ] A Consumer has a right to privacy.

I wrote LexisNexis and notified them of the law they were breaking under the FCRA in addition asked them to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. They responded with updating my account and ignored my rights as Consumer.

I also sent LexisNexis a letter from the bankrupt courts in which they mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW
Product: Credit reporting, credit repair services, or other personal consumer reports

BB & T Mortgage company reported I failed to pay my mortgage on time in XXXX and XX/XX/2020. I respond my mail as as soon as I was aware of it in XXXX stating I paid the mortgage on time both months with mortgage payments evidence from the bank. The issue wasnt mortgage it was taxes. I am exempt and there was an issue with exemption status which was rectified once it was brought to my attention because I purchase my home mid year. Mortgage was never late or missed. Taxes were in question and when they were checked and verified they were paid immediately after document investigation and explanation. BB & T reported mortgage was late after they reviewed mortgage payment proof via letter!
Product: Credit reporting or other personal consumer reports

On my equifax account, there is so much information that does not belong to me. Its mixed with somebody else account. Its showing so many addresses that I never lived on such as it is showing XXXX and I never lived there. I dont have last name and thats why EQUIFAX mixed my file with someone else file and showing my credit score very low. On the other hand, on XXXX  my score information is completely correct. I contacted so many times EQUIFAX to fix my addresses, the credit cards that does not belongs to me, and date of birth that is wrong not mine, but I never get any help from them and still my credit score is showing very bad on their website and when I went to get a loan for car, the dealer told me my score is very low because EQUIFAX mixed my file with someone who have so many loans. My XXXX XXXX  changed now after getting XXXX  in XXXX and hopefully they do not mix my account with someone else again.
Product: Credit reporting or other personal consumer reports

I pulled my credit report and noticed these 2 accounts are being furnished by the wrong creditor. Both these accounts were Sold. please remove from my credit report FURNISHER : XXXX XXXX Account number ending with : XXXX DISPUTE ITEM : The whole entire account DISPUTE REASON : Im unable to verify account information with this specific creditor REQUESTED ACTION : please remove from my credit report. 




FURNISHER : XXXX Account number ending with : XXXX DISPUTE ITEM : The whole entire account DISPUTE REASON : Im unable to verify account information with this specific creditor REQUESTED ACTION : please remove from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX Account # : XXXX DEPTEDNELNET Account # : XXXXXXXX XXXX Account # : XXXX SYNCB/PPC Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Money transfer, virtual currency, or money service

I was attempting to rent an apartment from a " XXXX XXXX '' on XXXX on XX/XX/2022 and was told to leave a deposit for the apartment. After multiple deposits were sent to the person, to different email addresses and names, I became suspicious and visited the property in person and spoke with the owner and they had informed me that the apartment was not available to rent and the posting was false. 

In total, an amount of {$5300.00} were scammed from myself and I reported this to my bank, with a follow-up on XXXX XXXX to investigate the claims. I was told that these claims could not be reimbursed since I sent the money and they ignored my comments of being scammed.
Product: Credit reporting or other personal consumer reports

I am writing TRANSUNION AGAIN to bring to your attention certain discrepancies and inaccuracies that I have identified on my credit report. Upon reviewing my credit report, I discovered several accounts that do not belong to me, and I am concerned about the potential impact on my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am deeply hurt seeing this! I am working my way out of debt. I paid every single account I have on my list. Closed some and retained some. It was not easy and then what? I see the late payment on XXXX XXXX XXXX? I told the credit bureaus to fix it but they never did!. I hope you understand the dilemma I'm going through, CFPB please step up and fix this account
Product: Credit reporting or other personal consumer reports

Dear Transunion, I am disputing an unauthorized and fraudulent inquiry on my credit report, a clear violation of the Fair Credit Reporting Act ( FCRA ), Section 1681b ( c ).

I request a thorough investigation into these inquiries and copies of associated documentation with my signature as authorization. Without such proof, I demand the immediate removal of these inquiries. 

The inquiry is : Account Name - XXXX XXXX Date Opened- XX/XX/XXXX I never provided written consent for data or inquiries to be furnished to my consumer report. Provide documentation with my wet ink signature granting permissible purpose ; otherwise, this action constitutes identity theft and fraud, violating 12 CFR 1022.3. 

Your disclosure of my personal and financial information to nonaffiliated third parties without my consent violates the Privacy Act of 1974.

Pursuant to 15 USC 1681n and 15 USC 1681o, you have civil liability for each violation, totaling {$1000.00} per instance. XXXX, as a consumer reporting agency, must respect my privacy rights ( 15 USC 6801 ).

Per 15 USC 1681 section 604, XXXX lacks my consent to furnish information. 15 USC 6802 ( b ) ( c ) requires disclosure options, which were never provided. 

I've attached the FTC identity theft report, supporting the unauthorized nature of these inquiries. Under the FCRA, you have 30 days to complete this investigation ; failure to comply is a breach of obligations. 

I expect a prompt resolution. Please acknowledge receipt of this dispute letter. 

Sincerely, XXXX XXXX
Product: Credit card

Bank of America reduced my credit card limit, damaging my credit while I paid my out my amount in full and being a good payment
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXXXXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX  Balance : {$630.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Experian you is reporting Inaccurate information on my credit report. The account XXXX, XXXX you is reporting this account pass due on my credit report when this account is not pass due but indeed Inaccurate. I have enclose my XXXX report with this dispute to show you are misleading with Inaccurate reporting on my credited report.
Product: Vehicle loan or lease

The car dealership overpaid my loan by over {$1000.00}. They received the check electronically and are denying that they received the extra funds. I have provided proof that they received the payment and they have not refunded me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I closed my account with XXXX XXXX, the continued to bill my credit card for them regardless of the closed account. 
Received a bill on XX/XX/18 to XXXX XXXX XXXX XXXX XXXX from XXXX XXXX showing amount due of {$170.00} ( who is XXXX XXXX XXXX. 
XX/XX/2018 they turned me into a collection agency for XXXX XXXX for {$170.00} would not give any statements unless I paid {$5.00} each. 
On XX/XX/2018 received an email bill from XXXX XXXX showing a credit on my account on $ XXXX no credit issued. 
XX/XX/2018 received from USPS an actual bill showing a credit amount of XXXX. 
XX/XX/2018 I received an email from XXXX showing my balance as -XXXX-