23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Firstly, I was part of a class action lawsuit against Toyota Motor Credit handled by the CFPB. I was co-buyer with my daughter of a used car from XXXX XXXX XXXX in XXXX, NJ. I did not know that I was the primary buyer at the time because I read and signed all documents on a small electronic screen. They told my daughter that she needed a co-signer and that was what I thought. I was aware that should she fail to pay her note that I would be responsible. The problem with that is she was the only one receiving the billing documents. At some point I did receive the calls that she was behind and I did make effort to catch her up. Her car ended up being repossessed. Sometime after, I received a letter that if I wanted the car I would need to have the total balance for the car plus added fees necessary for repo. There was no way I could come up with the amount asked for in that amount of time. 
Some time after, I received notice from the Superior Court of XXXX County to appear in court. I thought it was a scam at first, honestly because I did not receive a certified letter. 
Also, had I gone into arbitration, I would have given up my right to be part of the class action law suit according to my contract with them that is stated on page five of their contract ( included on last page of attachments ). That contract also states should I be part of a class action lawsuit against them It would void that contract. 
XXXX XXXX XXXX used unfair loan practices and Toyota Motor Credit is asking me to pay them. This repo is reflected on all three major credit reports as a collection.
Product: Mortgage

my name is XXXX. I succeeded my mother. I am writing to you because SPS is try to schedule a sale. I have a complete short sale application pending with SPS. I would like SPS to cancel the hearing for tomorrow to schedule a sale date. SPS is dual tracking and that is a violation of the law.
Product: Checking or savings account

Ill call Chase when I realize that my account was overdraft and they told me someone from XXXX XXXX that made fake XXXX XXXX deposited XXXX cents to see if my account was active and then ended up taking over {$7000.00} out of my account which made it overdraft and negative they use my credit cards that was connected to the account my Chase account and then they closed out my account without fixing the issue
Product: Credit reporting or other personal consumer reports

Hi, On both dates XX/XX/XXXX and XX/XX/XXXX I received an email from XXXX saying Thanks for requesting a new credit card, also received an Hard inquiry on XX/XX/XXXX. This was NOT me requesting any credit cards. I immediately called XXXX at XXXX reported the following and they " solve it '' on there end and closed the account and send me some mail with a reference number saying that they apparently solve it. On XX/XX/XXXX I called XXXX, XXXX and XXXX to make sure that they can solve anything and to take out the hard inquiries out of my credit. They all told me that they were going to put a freeze for 1 year of fraud alert. But now today XX/XX/XXXX I received a other notification from XXXX XXXX notifying me of another hard inquiry from Capital One which I DID NOT request. I will be calling Capital One on XX/XX/XXXX to make sure this is not an problem again because I did not request anything with them today. I just want to get to the bottom of this because its getting to out of control in a small amount of time.
Product: Debt collection

First National Collection Bureau on behalf of XXXX has keep sending me letters to try to collect a debt that is over 7 years old i have repeatedly asked them to stop they also keep reporting this on my credit report. this debt is over 7 years old. XXXX had this before after disputing it they finally removed it but then these guys started. how am i suppose to clean my credit up when it always get reported as new stuff that is very very old
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft XXXX and Experian are still reporting these fraudulent/ inaccurate accounts on my credit report while XXXX has already removed them, how is that possible this needs to be removed immediately based on 15 USC 1681a ( 1 ) of the FCRA. 

First fraudulent account that is still reporting on XXXX and experian ( XXXX XXXX ) Second fraudulent account that Experian is the only bureau that is reporting, how is that possible? Experian has even removed then re-added this account, isn't that illegal based upon the FCRA? ( XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against this credit reporting agency for persistently reporting inaccurate information despite my repeated attempts to dispute and correct the errors. The credit reporting agencies ' actions have violated my rights under the Fair Credit Reporting Act ( FCRA ) and I am seeking your assistance in rectifying this matter.

I have been diligently monitoring my credit reports and have noticed that they are continuing to report inaccurate information regarding my credit history. I have previously filed disputes with them to rectify these errors, providing all necessary supporting documentation. However, the agency has failed to conduct a reasonable investigation as required by the FCRA and has neglected its obligation to correct the inaccurate information.

FCRA Rights Disregarded : The right to have inaccurate information corrected promptly ( Section 611 ( a ) ( 1 ) ( A ) ) The right to a reasonable investigation of disputed information ( Section 611 ( a ) ( 2 ) ) The right to receive written notice of the results of the investigation ( Section 611 ( a ) ( 6 ) ) The right to delete or modify inaccurate information ( Section 611 ( a ) ( 5 ) )
Product: Credit reporting or other personal consumer reports

Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code $ 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!

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 a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antidotes 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: Checking or savings account

I've opened checking account with Ally bank on XX/XX/XXXX. When I open this account, Ally bank sent me the offer that I'll receive {$250.00} bonus cash if I meet the requirement by XX/XX/XXXX. The requirement was 1. Enroll by submitting your email address and offer code ( XXXX ). 
2. Open and fund a new Ally Bank Interest Checking or Online Savings Account between now and XX/XX/XXXX, using the email address you submit. 
3. Set up Direct Deposit and receive a qualifying Direct Deposit by XX/XX/XXXX. 
4.Keep your new Ally Bank Interest Checking or Online Savings Account open and in good standing until we deposit your bonus by XX/XX/XXXX. 

I did everything for the requirement. I'd contacted Ally bank since XX/XX/XXXX, but it still no result about this bonus. They keep told me that my case is the priority case, but no one can tell me when I'll get my {$250.00} bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

It looks like XXXX is up to its old tricks and didn't learn their lesson back in XXXX when they were fined {$28.00} XXXX for deceptive debt collecting practices because as of XX/XX/XXXX, XXXX randomly closed my account ( XXXX ) and illegally froze all funds and my access without any warning. My debit card, ATM usage and online account functions were blocked and inaccessible without adequate notice. 

On XX/XX/XXXX, XXXX mailed a letter to me that states they have no alternative but to recommend [ Account # XXXX ] for legal action. based on a delinquent account. The letter also implied that I will find it difficult, if not impossible, to obtain additional credit because of my present unsatisfactory credit rating. XXXX did not analyze my credit situation before sending me the letter. This is in Violation of Section 1036 ( a ) ( 1 ) ( B ) of the CFPA, that prohibits unfair, deceptive, or abusive acts or practices. 

The injuries I have sustained were not reasonably avoidable because XXXX 's policies and practices regarding electronic access and service restrictions were never adequately disclosed to me when I opened my deposit accounts, credit accounts, or before I became delinquent on a credit account. XXXX 's electronic account access restriction activities, constitute unfair acts or practices in violation of sections 1031 ( a ) and 1036 ( a ) ( 1 ) ( B ) of the CFPA, 12 U.S.C. 5531 ( a ) and 5536 ( a ) ( 1 ) ( B ). 

On XX/XX/XXXX, XXXX failed to cease and desist all forms of communication, reporting these inaccuracies on my credit report. This is in Violation of 15 usc 1692 ( c ).

Lastly, both the CRA 's and Creditors did not have permissible pursuant to 15 US Code 1681b : a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have contacted the Attorney General 's Office, XXXX and the CFPB TWICE and nothing has changed. 

The {$28.00} XXXX was just a slap on the wrist for XXXX. I highly recommend that they learn a lesson by way of stiffer penalties and fines. 

I am demanding that this debt be entirely removed from all three credit bureaus or I will be seeking statutory damages as XXXX willfully violated its obligations under the FCRA.
Product: Checking or savings account

JP Morgan Chase on XX/XX/2024 marked my account for Fraud they will not explain why. They will not tell me anything. They have marked my accounts for closure, in the meantime they will not let me touch my money, use my accounts in anyway what so ever. They said I have to wait 10 days for the account to close and then 7-14 days for them to mail me a cashiers check of the sum of my money. So I cant pay any of my bills and they are holding my money for 20-25 days and then -mailing- the sum of my money in an unsafe way through the mail!!! The only thing I did that I can think of is I sold a car for {$2500.00} cash. I know the cash is real because I brought the guy that I knew to XXXX  XXXX XXXX to get the cash and I directly went to my bank to deposit the {$2500.00}. I immediately made a savings account and moved the money into savings. I have called 3 times on XX/XX/2024 and none of the customer service reps will tell me why they are closing my accounts. I have been a customer for 10+ years. I went into Chase bank on XX/XX/2024 where the person in the bank also could not tell me why my account has been marked for fraud, he did get managers approval to give me {$3000.00} cash because he could see in my account that my house note and several credit card payments had been declined. I still have {$3500.00} in the bank and so far this has cost me over {$100.00} in return payments and late fees. Has reduced my amount at XXXX that I can have lent to me due to a returned payment. It is causing several problems with no explanation and holding my funds.
Product: Student loan

I have enrolled in Auto Pay and have been making extra payments in addition to the automatic payments. I made an additional payment of {$800.00} on XX/XX/2018 over the phone. I instructed I did not want it applied to future payments and I only want to be applied to loan # 2. They misapplied the payment and since then my auto payments have been incorrect despite calling numerous times to fix the problem. I made another additional payment of XXXX on XX/XX/18. I once again called Navient and requested my overpayment be applied to loan # 2 and for it not to be applied to future loans. This payment was processed incorrectly. My auto payments have been incorrect since XX/XX/2018. I have multiple debits and credits on my account due to Navient trying to correct their error to the point where I an unsure of what my balance actually should be. I call at least twice a month for them to correct their mistakes.
Product: Debt collection

Acct XXXX was under resurgent for {$830.00} made payments XXXX XXXX amount of XXXX. Collection now belongs Jefferson Capital in amount of XXXX to pay off. Payments made to resurgent were not forwarded. XXXX XXXX
Product: Vehicle loan or lease

Purchase agreement not compliant with agreed upon sales agreement/quote. Dealership ( XXXX XXXX XXXX  XXXX ) Finance dept. padded final purchase price and did not include agreed upon discounts. Exorbitant doc and 'other ' fees added to purchase agreement, and not as agreed. Advertising on back of vehicle not authorized. Buyer/Consumer never informed of manufacturer incentives and financing for which I qualified, due to prime credit score. Buying experience extremely unfavorable Dealership ( XXXX XXXX XXXX  XXXX ) engaged in deceptive, unethical, and fraudulent business practices ; including an excessively long purchase process. In dealership for more than 5+ hours after agreeing to automobile/price via email/phone. This resulted in Consumer/buyer paying appx. $ XXXX more than pricing agreed upon in sales quote.
Product: Debt collection

XXXX XXXX XXXX # XXXX -I disputed this account and nothing was sent to me to legally verify this account. 

this account is being reported in violation. I have sent several dispute letters stating each error and it is still being reported on my credit report. 

1st violation : They are reporting a Balance of {$1000.00} on a charged off account 2nd violation : they are reporting a Past Due of {$1000.00} on a charged off account 3rd violation : Each credit bureau is reporting 3 different dates of last activity. TransUnion reports XX/XX/XXXX. XXXX   reports XX/XX/XXXX. XXXX Reports XX/XX/XXXX. How is it possible to report inaccuracies and still say that its verified or updated. I checked my credit report after each bureau has stated that this account has been verified or updated.
Product: Mortgage

We purchased our home in XXXX. We had a substantial job loss. I made multiple attempts to work with Wells Fargo to avoid foreclosure. They denied my requests everything. They changed the locks illegally. I called them to get them to let us in to get our things out. They sent the keys and when we went in they had ransacked our belongings and stole thousands of dollars of things out of the house. They finally foreclosed on our home in XXXX after numerous attempts to work with me on our payments.
Product: Debt collection

This company fraudulently put a collection on my credit profile even though the bill was paid. The initial bill was sent in error to the company, who claimed they sent out correspondences but also stated my account has been in collections since XX/XX/XXXX. However, my wife and the provider 's wife XXXX, have been in constant contact regarding the bill. The provider was advised to submit the bill to us via email so we can present it to our HRA to be paid ; unfortunately, the bill XXXX submitted more than once was denied payment because it was an unacceptable format. Since I moved during that time, I was unaware that they were not paid ; until we received an email from the XXXX in XX/XX/XXXX.  Immediately my wife contacted XXXX and provided her with our credit card over the phone, to which XXXX said she didn't know how to process the payment without the card being present. My wife then took off work and went into the office and paid the bill and XXXX gave her a card, wrote the amount and the word " paid ''. My wife then submitted that card to the XXXX for reimbursement, which was denied and had to go into the office for a proper printed receipt. During this time, we moved again and received a forwarded letter from Capital Accounts. My wife called to let them know this bill was already paid and believed this was an error since XXXX is elderly and spoke with XXXX on XX/XX/XXXX at  XXXX. XXXX asked for a copy of the receipt which my wife informed him then that she is still waiting for a proper receipt to present to our XXXX and XXXX then stated he would initiate an investigation to contact the provider to verify the information. Since then, my wife finally received the proper copy of the receipt and since we have not heard anything from Capital Accounts, we assumed they too were given confirmation of payment. However, on XX/XX/XXXX Capital Accounts confirmed the debt was still unpaid on my credit report. We called them back on XX/XX/XXXX at XXXX and spoke to XXXX, who basically tried to strong arm us into paying this bill again and was unwilling to do research to see if that investigation was ever initiated or if the provider ever received payment. He also said even if I paid it Capital Accounts  still had it as due and I would need to pay it to make it go away. We disconnected that call and called right back and spoke to XXXX at XXXX. XXXX was briefed on the same and stated he is unable to do anything but put in a request to contact the provider but the only other option would be to pay the bill and get reimbursed from the provider. This is affecting my credit and is unfair to me as a consumer since my wife and I have been in constant contact with the provider 's wife XXXX ; although she's older, there's no need for me to be penalized for either an oversight or negligence on the part of the provider 's office or the collection agency ; who should not have had my account as it was already paid. The fact that Capital Accounts refuses to verify the payment and is constantly suggesting I pay the amount in order to have it removed from my credit report is alarming and in my opinion a bullying tactic.
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. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

On XX/XX/2025 I looked at my Experian credit report and noticed some things incomplete or inaccurate, 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 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) 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. 

15 U.S.C. 1681B ( 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 card

I had gotten the card and used it sparingly. I had reported the card stolen XX/XX/2022. The customer service representative advised me that my card was blocked from any further charges and a new card would be mailed within 5 business days. Because I did not use the card on a frequent basis, I did not think to check on it. Over the last year I have been dealing with a legal situation involving my four-year-old child. My focus is to continue to provide my child with a safe, stable, loving, and encouraging environment. I did not realize a new card had not been delivered until I began getting calls, emailed, and text about my account being cancelled with the maximum credit limit reached. I have requested a copy of a statement showing the transactions made in order to dispute any fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud and/ or identity theft. I am writing to dispute the following item on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or pretending to be me. They may have also used stolen identification and/or documents to obtain goods or services. I never authorized, used, or benefited from these accounts or transactions in any way. I am hereby demanding DELETION to the above referenced account from my XXXX file pursuant to 15 U.S.C. $ 1681i ( a ) ( 1 ) ( a ) and FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft
Product: Checking or savings account

Dear CFPB ; Over the last 48 hours, my debit/checking account received six overdraft charges totaling {$190.00}. Upon noticing the problem within the first 12 hours, I immediately contacted this credit union to ask for a waiver or reduction of fees. I also deposited earnings from my food delivery job, and knew that a deposit from days earlier was already coming via ACH. Today my balance shows a positive {$120.00}, which would be up to {$310.00} if the fees had not been charged. 

My email and calls to them were discouraging. They explained they could not help me at all. Finally on a second call, they stated that they would remove {$32.00} of the {$190.00} if I deposited {$170.00} to the account today. This is after explaining as much as I could about how I was trying to fix the problem and that this amount of fees is an extreme hardship at my current low employment level. I'm on food stamps right now. It's completely my fault for causing the overdraft, but I expected way better from my local credit union and really wish they could have shown more grace.
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries on my report and there are double inquiries that do not belong there. I tried numerous times to call and correct this with the credit agencies and they did not do as I asked. I need them removed immediately because they are not mine. I have provided an attached identity theft report. They are showing on my transunion and experian report.