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

I recently had a vehicle that was behind XXXX months in payments. I called and was told I need to make XXXX to catch up my payments and STOP repossession actions. I was finally able to do this and made a payment of XXXX. Then another XXXX a week later totaling XXXX in XXXX month. My intial payments are just XXXX. These payments where made on XXXX XXXX. 

My next pay came along XXXX days later in which I was only XXXX behind and now just XXXX  days late. While outside I see the repo man looking for my vehicle! After making XXXX on my prior payments they never called off the repossession! I am only now XXXX days behind and owe only XXXX but they sent someone to repo my vehicle. I was told of this happen I will now owe the FULL remaining loan payment of XXXX in full! 

I have called and been hung up on! Spoken to rude and disrespectful customer service representative, that just speak over you or hang up! 

They also blocked my account online that I can no longer make payments online. When I try to call and make a payment I can not get through the automated system to pay that way.I have to try to get a customer service representative. 

When my XXXX calls to try to make a payment she is hung up on or they intentionally remove her name from my file. Removing her name causes her not to be able to access my account. The company is making it difficult for their customer to catch up on their payments and when they do catch up they still dont cancel the repossession. They also make it difficult to make payments. I am still locked out my account and cant even pay XXXX online! I have to call and jump through loops!
Product: Debt collection

To Whom It May Concern, I am writing to file a formal complaint against Sunrise Credit Services for harassing me for the second time, despite having sent them a cease-and-desist letter. In my initial communication, I explicitly requested that they stop contacting me and explained that I am a XXXX XXXX  with protected, limited income, as I collect Supplemental Security Income ( SSI ). This means I am unable to afford to pay this debt. 

Despite my cease-and-desist request, Sunrise Credit Services has continued to contact me and is now threatening to report the debt to the national credit bureaus. Their actions violate the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from continuing to communicate with consumers after receiving a cease-and-desist notice. 

I have documents to support my claims, including a copy of the cease-and-desist letter I sent and records of the continued contact and threats made by Sunrise Credit Services. 

This repeated contact is causing unnecessary stress and XXXX, especially given my financial situation and the nature of my limited income. I respectfully request that the CFPB investigate this matter and take appropriate action to ensure Sunrise Credit Services complies with the law. 

Please let me know if any additional documentation or details are required to assist in resolving this issue. 

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

There are two companys being furnished onto my consumer report with my written instructions. I do not have contracts with neither one of them. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy an confidentiality, ( XXXX XXXX XXXX ) XXXX XXXX nor ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Pursant to 18 USC 8, I owe no debt, This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4
Product: Debt collection

Midland Funding Account # XXXX asserted collection for XXXXXXXX XXXX for {$560.00}. This collector continues to report inaccurate information, that is known to them as inaccurate. Midland Funding is " recycling '' asserted debt, passed delinquency date in effort to oppress consumers financial standing by exceeding the retention date. Historically, Midland Funding has changed the payment history for the purpose of extending the retention date within consumers credit file. In review of my XX/XX/XXXX report and my XX/XX/XXXX XXXX Credit file reveals Midland Funding extending this reporting time by an additional 2 years. 

The actions of this collector is reckless, targeted, and with malice intent.
Product: Credit card

I have called American Express at least XXXX times to stop sending me Promotions for their credit cards. I will never do business with AMEX and they wont stop sending me mail nonstop. I get an offer at least once a week. PLEASE MAKE THEM STOP. This is now harassment. If it doesnt stop I will take legal action.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, XXXX XXXX Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased an XXXX XXXX XXXX through Ally Auto that was due back in XX/XX/XXXX. Prior to having to return the car, a tree fell and damaged the vehicle. I worked with my insurance company to repair the vehicle. 

In the meantime, while I waited for the repairs to be completed and for XXXX XXXX to ship a back ordered part to the mechanic, I extended my lease from XXXX to XXXX, then XXXX, and then until XX/XX/XXXX, until I returned the vehicle on XX/XX/XXXX. 

There was confusion on behalf of Ally regarding my extension from XXXX until XXXX, but after speaking with XXXX XXXX XXXX, she confirmed that I would have an extension from XXXX XXXX XXXX  like I originally requested and I would pay the {$530.00} for the monthly lease. I received the documents and immediately signed and turned them over in 11 minutes on XX/XX/XXXX. A bill was then sent to me dated XX/XX/XXXX. 

Subsequently, I was informed that Ally submitted information to the Credit Bureau that I was 60 days late on paying the bill and also charged her a late fee in addition to the monthly lease amount for XXXX XXXX XXXX 

Ive tried to reach Ally multiple times, Ive sent them letters and Ive called only to be disconnected. No one is providing any sort of assistance. 

I was never late making any payments. The information reported on my credit is false. Ive not received any assistance from them to properly finalize the end of my lease. Ive had the worst service with them and would never use them for any financial services again.
Product: Checking or savings account

I opened an Ally Invest account with Ally Bank in XX/XX/2024 under the term that setup 3 monthly deposits and received {$100.00} new account bonus. I continued it for 4 months and fulfilled the requirement, but Ally Bank refused to honor the original term and refused to credit me the bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 a hard inquiry that i want to be removed immedatly i have no knowledge of this item
Product: Mortgage

Wells Fargo foreclosed and stold my home while not helping to remodify our loan payments, my husband XXXX XXXX over this in XX/XX/2013. They harassed me daily and attached late payments when full payments couldn't be made. We had a hardship with the loss of my income leaving only his and we struggled with them, fighting with them for well over a year. They took my home not understanding that I had lost my husband and I had gotten sick and wasn't working. Along with taking my home they took my father 's inheritance and my ira totalling XXXX dollars that we put into a down payment when making the initial loan. We paid Wells Fargo for that home for over 17 yr period and the loan was only for XXXX. They hurt us badly.
Product: Credit reporting or other personal consumer reports

I recently obtained my credit report and found a hard inquiry 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 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 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 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 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 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 XXXX XXXX XXXX. This inquiry was not authorized by me.
Product: Credit reporting or other personal consumer reports

hi, i was a victim of identity theft and some one open credit cards and bank accounts with my information I got a police report and ben disputing this fraudulent accounts with the credit bureaus most of this accounts have ben deleted but a few like this one the bank keep send in it as accurate I don't understand why? the person that open this account hade a different address and phone number that mine and that's why I'm disputing it here to finally have this fraudulent account removed from my report. thank you. SAN DIEGO COUNTY CRED. ACCOUNT # XXXX.
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. 
Account name : # XXXX, Account name XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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.

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 : t 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 the 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 reporting agency if the person knows or has reasonable cause to believe that the information is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several incorrect issues reporting in my credit reports with Equifax, XXXX and XXXX so on XX/XX/2021 I sent the 3 aforementioned credit bureaus dispute letters to investigate the inaccurate information reporting on the XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX, US DEPT OF EDUCATION, XXXX XXXX, BANKRUPTCY # XXXX, BANKRUPTCY # XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX accounts. When I didn't get a response by XXXX I was concerned but, I sent more dispute letters to the credit bureaus into the incorrect issues on XX/XX/2021. It's now XX/XX/2021 and still not one letter back from any of the credit bureaus. Not one letter. The credit bureaus are obligated to respond back in 30 days to all dispute requests but, It's been 3 months and they have not responded. I am asking you to enforce the FCRA and delete 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, BANKRUPTCY # XXXX, BANKRUPTCY # XXXX, and remove the late payments from XXXX XXXX XXXX and XXXX  XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I've been involved in the below fraud. XXXX  XXXX XXXX and XXXX XXXX keep saying " speak to my bank '' I requested a wire recall over 6 weeks ago originally. That was somehow lost. I've been scammed out of a significant amount of money ( over {$120000.00} in total, {$65000.00} from XXXX ) and I feel like my bank has done nothing to assist and the other banks won't speak to me because I'm not a customer. I need my bank to go to bat for me and get the money bank and have an open line of communication with me. 

XXXX XXXX Case Fraud number : XXXX XXXX  XXXX XXXX Fraud Case number : Claim # XXXX and Claim # XXXX I was involved ( the buyer ) in a real estate transaction where XXXX XXXX called my title company and said they wouldn't release the funds to the seller because they were running a deed fraud scam and the name on the account did not match the account number. Today has marked 7 weeks. This was not able to be recorded obviously because it was flagged as fraud. A wire recall was supposedly requested by XXXX  XXXX XXXX as requested by XXXX XXXX over 6 weeks ago. I cant get any information at all. The title insurance wont pay out because its fraud and XXXX XXXX said theyd return the funds. XXXX  XXXX XXXX won't answer any questions regarding this case either. Both are pointing the finger and saying the other bank isn't responding. If XXXX XXXX is looking to make sure the case was fraud before returning the funds my title company sent hold harmless over two weeks ago, but also if you need proof that it is fraudulent ( and it's the first thing I noticed that the title company should have caught ) is that the notary stamp on page 6 ( below ) you can look up commission ID 's on Pennsylvania 's department of State website and can see that the name does not match the commission number. If you call the notary with this commission number ( her number is in the department of state directory ) she confirms she did not notarize this transaction. The Driver 's license provided as ID to the closer the DL number does not exist according to the records. I can't get any answers from anyone on this they keep telling me to speak to my bank, but my bank has said XXXX XXXX and XXXX  XXXX XXXX aren't responding. Thank you for your attention to this matter, XXXX XXXX ( XXXX XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX This CFPB complaint has been filed to pursuant to FCRA 605B ( 15USC 1681c-2 ) that you the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card account opened at : XXXX  account opened on XX/XX/XXXX and it has a balance of {$40.00} Account # XXXX XXXX  account opened on XX/XX/XXXX and it has a balance of {$24.00} Account # XXXX  In collections I have XXXX accounts that are a result of Identity Theft. From the following : XXXX XXXX XXXX with account number XXXX {$1900.00} XXXX XXXX XXXX with account number XXXX {$1800.00} These 2 collection accounts state they are the result of fraudulent XXXX XXXX XXXX that have been removed from my credit report due to identity theft. These must be removed pursuant to FCRA 605B ( 15USC 1681c-2 ) and these accounts have been placed in collections and are showing on my credit report as closed.. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections and closed accounts appearing on my consumer FICO credit report. I have attached a list of hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items, I do not recognize the aforementioned accounts, collections, closed accounts and hard inquiries as reported. The accounts, collections, closed accounts and hard inquiries appearing on my credit report were NOT opened, made or initiated by me. All of these accounts, collections, closed accounts and hard inquiries are a result of identity theft and fraud, I have attached a copy of the FTC Identity Theft Criminal Complaint number ( XXXX  ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are a result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I was enrolled in XXXX College in XXXX La. I completed my book work but had to do extern inorder to complete the course for XXXX XXXX. Due to me being around 7 to 8 months XXXX  the school pushed back my extern to 6 weeks after I had my baby which was XX/XX/XXXX but before I could come off XXXX  XXXX  to complete the course the school unknowingly shut down for fraud.. They stole the students money and didnt pay the teachers it should be in public record.. I had been deferring and trying to fight having to pay for the loan because the school said that I was approved for free services but unknowingly took out loans and most definitely since the school closed with fraud, I shouldnt have to repay the loan that I didnt know about.. I feel all the late payments are inaccurate because I wasnt paying due to legal reasons trying to fight having to pay the loan.. the negative remark is the only negative on my report thats affecting my credit score. My taxes did end up getting took to cover the student loan which has XXXX balance now, but still with the late payments I feel thats not fair, and should be removed especially due to circumstances that are not my fault at all..
Product: Credit reporting or other personal consumer reports

I just looked at my reporting and I saw that I have a late payment on XX/XX/XXXX and XX/XX/XXXX. However, they are reporting this late payment is inaccurate. I sent a letter trying to fix this problem but I haven't seen any updates. 

I also sent a letter asking them to provide me a Description of how they verify how this late payment is accurate, But they do not This is a violation of my federal right. Can you help with this matter? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account Number XXXX collection department was constantly calling my home and job and leaving my personal information with my coworkers. They left threatening messages and I was n't sure what they were referring to. This increased my stress level causing my XXXX XXXX to increase and I began to have further issues with my XXXX XXXX.
Product: Debt collection

I am being charged XXXX plus dollars for a XXXX sample. I have asked for a itemized bill and they never send it. It XXXX
Product: Credit reporting or other personal consumer reports

1. Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and also with no explanations about the issue. 

Date of the suspension : XXXX Merchant ID XXXX