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

Credit concepts is ripping off subprime consumers. I purchased the vehicle at XXXX  XXXX, put down XXXX  XXXX and made monthly payments of {$300.00} for XXXX years then they garnished my wages of XXXX  XXXX biweekly and how do i still owe more than the original loan amount? They are still reporting it to my credit report. So where did all the money I paid into this loan go? 

It is now XXXX and they are still chasing me but have charged me {$7900.00} in interest alone and showing I still owe {$10000.00} in principal balance. XXXX XXXX and XXXX XXXX discriminated against me called me XXXX slurs over the phone. XXXX XXXX just hung up on me when I was explaining how his representative was being XXXX to me. This is a lemon vehicle that i voluntary turned in they sold for {$100.00} from XXXX. They have violated consumer laws by not even telling me where the vehicle was auctioned off at. Because I would have definitely bought it back for {$100.00} especially if they are charging me {$17000.00} today. The interest rate is excessive they have no explanation why they are charging me. XXXX XXXX and XXXX XXXX made XXXX slurs against XXXX people directing to me. Credit concepts made illegal corrections tk my balance because what I have does not reflect what they have. I have emails from different reps providing me with different amounts owed. XXXX year they said you owe {$10000.00} and now I owe {$17000.00}. This is scam and they are ripping off subprime lenders! {$17000.00} is the price of a brand new vehicle! So basically I am paying {$17000.00} for a XXXX XXXX XXXX. They are not even worth {$17000.00} today. This is the same company that did fraud and was stealing from customers and got sued! They have history of violating consumers rights and excessive charges. Accounting department needs to get audited. This is discrimination.
Product: Credit reporting or other personal consumer reports

The late payment in question is reported by [ Creditor 's equifax ] for the period of [ insert date of late payment ]. I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( TILA ), specifically section 1637 ( b ) of Title 15, which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history. 
Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, furnishers of information must report accurate details. The late payment reported does not reflect my true payment history, and I request that you investigate this matter in accordance with XXXX XXXX XXXX XXXX. 

LATE PAYMENT : DEPTEDXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$450.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a credit limit of {$450.00} -This is not my account.
Product: Payday loan, title loan, or personal loan

I emailed the lender and explained to them a week before my first payment was due that I live on ssi and am in XXXX from XXXX XXXX and I could not make my payment we agreed they would be putting my XX/XX/XXXX payment at the end of my loan and i would not pay XXXX payment they emailed me back two days later said it was too late to negotiate that and they with drew the money I was sick and didnt even get a copy of loan agreement or know what i signed they preyed on me i was desperate but they knew i couldnt afford this
Product: Credit reporting, credit repair services, or other personal consumer reports

Before you attempt to read this message I want to let you know that this isnt a letter to collect debt. I am writing this letter as an affidavit and a dispute. The accounts listed in this letter is inaccurate and is an error. ERROR ACCOUNTS : XXXX, XXXX  XXXX & INQUIRIES WILL BE IN THE ATTACHMENTS. I have contacted your company 90 days and you seem to be ignoring me which let me know that you are aware of every certified letter I sent to you and you have nothing with my signature bearing my signature or any documents that is attached to me. By law you must remove the items immediately and I am only allowing 24 hours for this to be resolved. I am unaware of the accounts and inquiries listed. I mentioned this in 3 previous letters 90 days ago but your intentions were all wrong and youve violated my rights as human being and Im forced to take legal actions for using my consent with out contacting me. This is a special moment for me knowing that we will be in court soon because you owe me time and damages that youve caused stress and more to my life than you ever can imagine. I will be filing a lawsuit very soon and will be looking to be compensated an amount of {$30000.00} for all the damages.
Product: Mortgage

This mortgage was paid, I sold the house XX/XX/2016 it was a joint account my father was on the account, he was sick and unfortunately he passed away XX/XX/16.  I called the bank to please remove the information from my credit report or to please to forgive me some late payments, and I did disputed with all 3 credit report and no change was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found that my consumer rights have been violated. According to the fair credit act, XXXX XXXX XXXX definitions state : rules of construction ( XXXX ) ( a ) ( i ) states the rem consumer report does not include any report containing information solely as to transactions or experience between the consumer and the persons making the report. Late payments are a form of transaction and utilization is an experience created by credit usage. TransUnion is reporting late payments on several accounts : XXXX 's XXXX - XXXX loans and/or utilization is an experience created by credit usage. XXXX XXXX XXXX ( a ) ( XXXX ) states any consumer reporting agency XXXX furnish a consumer report XXXX the the following circumstances and no other, in accordance with the consumer to whom it relates. I at no time gave TransUnion written instructions to report anything to my consumer report, let alone this payments/utilization. Also accord to XXXX XXXX XXXX XXXX congressional findings and statement of purpose states, there is no need to insure that the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumer 's right to privacy. it also states 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 method undermined the confidence which is essential to the continuous functioning of the banking system. The reporting of these late payments are not accurate and my privacy has violated due to XXXX violating my consumer rights by allowing these late payments/utilization to report to my consumer report! I am asking for immediate removal!
Product: Credit reporting or other personal consumer reports

I WANT THIS ACCOUNT TO BE DELETED IN 5 BUSINESS DAYS, THIS XXXX XXXX WITH THE ACCOUNT NUMBER XXXX AND BALANCE OF {$0.00}, XXXX XXXXXXXX Account Number : XXXX IS NOT MINEI PLEASE BLOCKED AND REMOVE IT FROM MY CREDIT REPORT- IT'S VIOLATING MY CONSUMER RIGHTS UNDER
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried over and over to get my credit report from Equifax. I've had no problem obtaining my report from XXXX nor XXXX. The questions " to protect my security '' are ridiculous. I don't even know the answer half the time. I understand these criminal organizations don't want to share MY OWN INFORMATION with me, and I understand the Federal Government aids and abets these criminal organizations, but for something that controls MY LIFE, I should have much more accessibility. Thank you.
Product: Mortgage

there is currently a lien on my property at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. I purchased the property XX/XX/1994. several refi 's etclater some title company finds that a lien is on file=it show thatdovenmuhle morgt co did not due the proper paper work and aftermany attempts talking to them and sending them the same infothree times=they say they can find no records of a loan and keepasking me for the loan number. phn # is XXXX and I havebeen dealing with a XXXX=XXXX=and an XXXX with no results=
Product: Debt collection

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accouI understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.ts seem to be inaccurate, which is worrying to me.
Product: Credit reporting or other personal consumer reports

I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.
Product: Debt collection

This account had a XXXX balance when it was closed out, the balance be reported on my credit is false. According to FRCA section 605B it is illegal to report information on my credit report without my permission please remove this off my credit report thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report i must inform you that i am NOT responsible for these fraudulent accounts. Someone stole my identity and open up the fraudulent accounts in my name. I have already sent letters to remove this inaccurate information and here 's the tracking numbers. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the 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 and inquiries listed IMMEDIATELY! 

FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I opened a complaint with CFPB about XXXX previously and I am now opening another because my legal rights have been violated. I will be opening a case with the FTC and my attorney. 

After your property is sold, a creditor must tell you these things in a written notice. 
Your debt before the sale. NO How much your property was sold for. NO Your debt after the sale. NO Any expenses of repossession and sale. NO Any credits or rebates owed to you. NO The amount you still owe ( deficiency ) or the amount of extra money you get ( surplus ). NO XXXX DID NOT follow proper notification procedures. I did not receive ANY of the notices they have attached until I filed the complaint with the CFPB. The letter of Deficiency is dated XX/XX/19 2 YEARS AFTER THE SALE OF THE VEHICLE!!! I demand verifiable proof these notification were received by me ( ie. certified mail receipt, signature, delivery confirmation. ) The letter of Intent to sell was sent to one address which was NOT the address the vehicle was recovered from. Flagship sold the vehicle at a " private sale '' with no exact date just a statement the letter that says " sometime after '' which I never received that letter until today XX/XX/19 when they attached it to the complaint. I had reached out several times asking for a letter of Deficiency and was told the information wasn't available. I almost lost my job because I could not get a letter from XXXX. So I am saying there is wrongdoing on XXXX 's part. I am not disputing the vehicle being repossessed but I am saying XXXX failed to properly notify me after the repossession took place.
Product: Debt collection

I am not liable for this debt with I C SYSTEM INC .I do not have a contract with I C SYSTEM INC.Dear IC Systems, I am writing in regards to a collection that came up on my credit report on XX/XX/XXXXXXXX XXXX, 2024.It was brought to my attention that this debt involves XXXX I am disputing this debt because I have no knowledge of this debt. Nor am I liable for this debt because there is no contract between me and your company. You are in violation of the Fair Credit Reporting Act .Please verify this debt as required by the Fair Debt Collection Practice Act with the following.1 ) Proof of my contract to pay the original creditor 2 ) A copy of the final account statement issued by the original creditor 3 ) A break down of the total amount due, showing principal, interest, and other charges, and 4 ) For all charges, the date of and the basis of each charge.I dispute this debt because I do not recognize this debt and do not owe any money to this creditor. 
Collection Agency IC SYSTEMS Original Creditor Name XXXX XXXX  Date Assigned XXXX XXXX, 2024 Original Amount Owed {$220.00} Amount {$220.00} Status Date XXXX XXXX, 2024 Status XXXX Balance Date XXXX XXXX, 2024 Account Designator Code XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification XXXX Last Payment Date Date of First XXXX  XXXX XXXX, 2023 2023
Product: Credit reporting or other personal consumer reports

I DO NOT HAVE A CONTRACT WITH DISCOVER FINANCIAL SERVICES AND THEY DO NOT HAVE MY PERMISSION FOR ANY USE OF INFORMATION. THIS IS FRAUD.
Product: Checking or savings account

Today, XX/XX/XXXX I used Bank of America 's login to send money to an individual to purchase tickets to a hockey game. The price for two tickets was {$200.00} total. I logged in to Bank of America to send the payment through their app called XXXX. Per their website this is intended to " Securely send or receive money to/from others using only an email address or mobile numberno account numbers needed. '' I used this to forward the {$200.00} to the individual. After it was taking a little while to get the tickets emailed I decided to look into this further. I used a fake email to email the same guy and ask for the tickets. He agreed to sell them to me again though I had already paid him as the real me. So I knew it was fake. 

I called XXXX and was told there was nothing they could do but I should call BOA and speak with them. I spoke with BOA and was told that the payment says it is processing but has already been sent. The lady I spoke with indicated that since I authorized the transaction there was nothing BOA could do. I have an issue with BOA falsely advertising their product as a " secure '' way to send money. XXXX also indicates that they are a secure way to send money and back that up as indicated by protecting the user if fraud occurs. Buried deep in the TOAs does BOA finally say that this isn't protected. Please note that it doesn't say this anywhere in the process to send money and I only found it after I XXXX  this and had to really hunt. I would like BOA to refund or charge back the {$200.00} as requested. I would like them to back up something that they promote within their own website as being safe and secure way to send money. 

Please also note as quoted from their website : " Is it secure? Yes, with our BOA Mobile Banking Security Guarantee, you are protected by the same security you're used to where you will not be liable for fraudulent transactions ( when reported promptly ) and we will help keep your information safe. '' This transaction is now fraud due to the fact that a service was offered and then not provided.
Product: Debt collection

I was renting an apartment at XXXX of XXXX in XXXX, FL XXXX. Upon leaving I verified that the account was paid in full. Now, 5 years later, a collection agency is posting gative information. 
Ideal Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I disputed but the information was not removed. I called Ideal and they gave me the run around and are not immediately forthcoming with any information. I called XXXX at XXXX and it was sold thus they have no information. 

This collection is false. I paid on time every month and was fully paid upon leaving. The Ideal agency is not forthcoming with information. 

I want this information off my record. 

Being as it was 5 years ago I no longer have receipts or any such thing. 

My XXXX and I are XXXX and this is very stressful.
Product: Vehicle loan or lease

I paid off the total balance in XXXX XXXX and as today ( XXXX XXXX XXXX ) it appears in my credit report that I have an outstanding balance of {$18000.00}. The last date reported was XXXX XXXX XXXX and the last payment reported was on XXXX XXXX XXXX. This incorrect and dated outstanding balance is damaging my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$2000.00}
Product: Debt collection

This company called me this morning, identified themselves as a debt collector, then requirement me to " confirm '' the information they have on me with statements like " Can you confirm your home address for me? '' or " Can you verify your DOB? ". I will not provide someone with this or any other personal information, based on their claim that they are " confirming '' they are speaking to the right person. If they want to confirm, then tell me what you have in your system and I will confirm whether or not it is correct ( equal to my info ), but I am not handing this information out and it is illegal that they require you to " confirm '' this information ( eg give them your PII data ) to discuss a claimed debt. This is not the spirit of what was intended by introducing hippa protections.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 

Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

I have had a mortgage for approximately 15 years. Originally, the loan was with XXXX XXXX who sold it to XXXX who sold it to Chase. I have never missed a payment and have never been late with a payment. The problem started with the purchase by Chase. Suddenly, I was receiving a double bill each month with differing due dates. I became so confused by Chase 's billing procedures that I actually made an extra payment one month ( which was never acknowledged, or refunded ). It is my contention-and accusation-that Chase is deliberately spreading a smoke screen with its computer-generated billing system. They will gladly XXXX an extra payment or two our of the consumer, but no mention is ever made about the consumer having overpaid his mortgage. I charge that Chase is deliberately using their computer-generated payment notices to fleece their customers by enticing/extorting them to pay premiums in advance without acknowledging either the early payment or the extra payment the consumer is encouraged to make. You-the Florida Office of Financial Regulation-should be ashamed to allow and be a complicent partner to this fleecing of the consumer by Chase Bank. I eagerly await your reply and solution to the corporate malfeasance by Chase Bank. 
Very truly yours, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Initially reached out to the company to negotiate a settlement of a charged off account and requested that the company provide the initial date of delinquency. 
we concluded a settle met of approximately $ 3000.00.The company advised that they only had the date of charge off and that the Original date of delinquency would be mailed to me in XX/XX/XXXX. 
From my records, XX/XX/XXXX shows as the first date of delinquency, however, to date this has not been validate. Again I spoke to XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX who refused to provide the first date of delinquency. 

On XX/XX/XXXX I paid the balance of the settlement. In accordance with the Fair Credit Reporting Act 1681s-2, this information should have been provided to me within 30 days. 
In light of this violation and settlement of this account. I am requesting that this account be removed from my credit report. If this is not updated within 30 days I will pursue legal methods to have this removed.
Product: Debt collection

This debt was satisfied in chapter XXXX by way of my husband.
Product: Credit card

USAA Bank located at XXXX XXXX XXXX in XXXX XXXX, Texas XXXX place fales and negative information on all XXXX credit bureaus. I proved to them that I was a victim of identify theft with copies of the IRS, FBI and Police report that some unauthorized person used my credit card without my permission. I paid what was mine portion and received a letter from their collection agency XXXX which states. This Account has been settled in full ''. They still refuse to comply with FCRA rules and ignore all communication. this is destroying my pesonal credit and I need your help.