23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit acceptance car loan company has reported my payment history incorrectly for over 2 years now. I have never missed a payment, my understanding was to have a one-time payment flipped over to the back of the loan that would have helped me from falling behind during COVID. That is not the case they have reported to all three credit bureaus saying that my payment history is XXXX payments missed with credit report reflecting XXXX XXXX XXXX XXXX plus days late they have completely destroyed my credit due to this false reporting of my payment history. They have not come to a resolution over these facts and continue to report the loan incorrectly also was in still not even a payment behind and with no contact no forewarning came and repossessed the vehicle where we had to come out of pocket almost {$900.00} to get it out that very same day. I have all the documentation showing this. I need this erased completely off of my credit report to be able to even continue with my life and any sort of positive fashion whatsoever.
Product: Money transfer, virtual currency, or money service

Subject : Claim # XXXX I submitted a claim earlier today about multiple unauthorized transactions on my PayPal account. Shortly after filing the claim through the Resolution Center, I received a denial notice via email. I was disappointed with how quickly PayPal rejected the claim. I then filed an appeal and requested documents and an explanation of their investigation process that led to their rapid decision.

Approximately 12 hours later, I received a response stating that my account was secure and that the unauthorized transaction claim was closed. However, I was not provided with any documents or further explanation about the investigation even after I sent them an appeal requesting for these documents. I believe PayPal is not taking fraudulent activities seriously. It's frustrating that they are not willing to listen and protect their customers ' money from fraudulent activities and instead leave the customers to deal with the loss of their funds. It feels like they are tolerating these behaviors, unless it's not in their best interest to resolve this matter. 

I also included in my claim that my phone was lost or stolen the day before these transactions occurred on XXXX. It contained my drivers license, credit cards, and a lot of personal information, including photos, memos, and passwords.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, equifax and XXXX  has information on my credit report that i did not gie my permission to report. i had not notified of these accounts. this information is inaccurate/not mine/fraud. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX, MA XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX, MA XXXXXXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX, XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXXNOT MINE, PLEASE DELETE. 
XXXX  XXXXNOT MINE, PLEASE DELETE. 
XXXX  XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
DEPT OF EDUCATIONXXXXNOT MINE, PLEASE DELETE. 
XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE,  PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE.
Product: Credit reporting or other personal consumer reports

Im writing to exercise my rights under section 609 of the Fair Credit Reporting Act. Im requesting information regarding the following accounts listed on my credit report : Account Name : XXXX XXXX XXXX XXXX Account name : XXXX  XXXX Account Name : Williams and fudge According to section 609, Im entitled to all pertinent information regarding these accounts, including the original contract with my signature. If youre unable to find this information within the 30-day time limit, I request that you immediately remove the information from my credit report. 

As proof of my identity, please confirm copy of my Social Security card, birth certificate, passport, W-2, electric bill, and rental agreement. Also included is a copy of my recent credit report, with the accounts in question highlighted.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failure to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, cause ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inactions violates federal law and my rights as a consumer.
Product: Student loan

My husband and I took out a student loan with Sallie Mae at a 9.2 % interest rate for the maximum amount of years 10. We are supposed to pay them {$570.00} a month. We are in forbearance right now because we just ca n't afford the payments at the month and there is no other way to defer the payments. We are charged {$50.00} for a " forbearance fee ''. Each month we are charged {$370.00} just in interest while this account is in forbearance. This ca n't be right.
Product: Credit card

I opened a XXXX XXXX America Express credit card and was promised a {$100.00} statement credit after spending the required amount on my credit card. I contacted the credit card company and the customer service representative said that the statement credit of a {$100.00} would appear on my statement in one to two billing cycles. The statement credit never appeared.
Product: Credit card

On XX/XX/XXXX, I made a payment to XXXX credit services of {$100.00}, my full balance. However, the payment wasn't posted to my account until XX/XX/XXXX, and in addition, a {$27.00} late fee was assessed to my {$0.00} balance. My most recent billing statement shows a total balance due of {$29.00}, which is {$27.00} late fee + {$2.00} interest added to the late fee. I have called to try to get this resolved. I did get a verbal confirmation that the late fee would be removed, however, the interest of {$2.00} still remains on my account! This is interest applied exclusively to the late fee that was inappropriately charged to my account. In order to maintain my good standing, I have made payment of {$2.00}, but insist the interest charge is not valid and should be refunded.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquires that do not belong to me. 

XXXX XXXX - XX/XX/year> XXXX  XXXX - XX/XX/year>
Product: Credit reporting or other personal consumer reports

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

Despite my submissions, Equifax 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, Equifax '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX we sent notice to alleged lender, XXXX XXXX, requesting validation on this Loan. Thirty days commenced with no response. Therefore, we contacted all three credit bureaus to inform them that the alleged loan is in dispute. The credit bureaus contacted XXXX XXXX  as a result, and it was only then that we received a response from XXXX XXXX, stating they " didn't know '' what account we were disputing. 

On XX/XX/XXXX we sent a Non-Negotiable Notice and Demand for Full Disclosure and Validation on this alleged loan, with a 15 day deadline before further action is taken. We did not get a response to this letter either. 

XXXX XXXX  is in violation of the Truth in Lending Act pursuant to 15 USC 1601-1667j ( full disclosure ). And U.S. Code SubChapter VDebt Collection Practices 15 U.S. Code 1692g - Validation of Debts, as well as The North Carolina Consumer Protection Act of XXXX ( NC General Statutes, Chapter 75 ). 

If this alleged debt is not validated by the alleged Lender, XXXX XXXX, as required by the Fair Debt Collections Practices Act, alleged Lender has legal responsibility to terminate the claim.
Product: Vehicle loan or lease

I paid a loan off on XX/XX/year> via electronic funds. I have been requesting a lien release ever since paying off the loan and have yet to receive it. I have called multiple times asking for it and for it to be expedited. Finally on XX/XX/XXXX they say they mailed it but here it is well over XXXX days later and I still dont have it XXXX they tell me to wait instead of just sending me a copy. I have expired temporary tags on this car and even tho I have a letter stating it is paid in full this is unacceptable to the XXXX and they wont help me without a lien release. How does one pay XXXX cash and not able to get a lien release! This is unacceptable and I have spent several days at the XXXX trying to get this taken care of and simply cant. I WANT Chase auto finance to be reprimanded and forced to give me a lien release. Next stop is our XXXX XXXX governor for me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was over XXXX XXXX XXXX and I already paid XXXX and returned every equipment. I dont understand why this new creditor that open this account two years ago I never heard of. I do not owe {$1300.00}
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance Owed : {$17000.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Balance Owed : {$0.00} Chargeoff - XXXX  XXXX XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$880.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX my account was placed on a hold and was set to be closed on XX/XX/XXXX. I spoke with a representative from my branch at US bank and they told me that they contacted the back office and they werent able to provide them with any information. I had a tax return deposited into my account in between XX/XX/XXXX - XX/XX/XXXX in the amount of {$4900.00}. They told me they couldnt release my funds to me because of the hold. I was told by the representative of my bank that it was a type XXXX hold and I should have access to my funds through a cashiers check but that never happened.
Product: Credit card

I have purchased XXXX from a vendor on XXXX/XXXX/2016. They invoiced me for {$1700.00}. 
I complained that the amount was incorrect. The vendor duly revised down the charge to {$1500.00}. 
But while the above were being discussed, both amounts were already charged to my credit card in inadvertent sequence. I was therefore charged twice for my purchase. 
I contacted my vendor about this charging problem on XXXX/XXXX/2016. The vendor had gone through their books, and responded to me on XXXX - with a copy of their ledger statement, that they had already refunded the amount {$1700.00} back to my credit card at the time of our transaction. 
I reported this case to the card company on XXXX with full explanations of the details, as well as providing a copy of the vendor 's contact information and ledger statement. 
Despite my repeated requests of them to give me back the credit amount that my vendor has refunded through my credit card, but never showed up in my statement, they have only given me repeated perfunctory acknowledgements, and provided no response of any substance or reference to the contents of my case whatsoever. 
Based on the above scenario, the card company has therefore been stalling and ignoring my request all this time on their responsibility towards my rights as a consumer, and has in fact unlawfully confiscated {$1700.00} of my credit money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am a victim of identity theft and the following are fraudulent : ACCOUNTS : XXXX XXXX XXXX Reported : XX/XX/2021 {$8800.00} XXXX XXXX XXXXXXXX XXXX Reported : XX/XX/2021 {$780.00} HARD INQUIRIES : XXXX XXXXXXXX Inquiry : XX/XX/2021 Automotive COLLECTIONS : XXXX XXXX XXXX Reported : XX/XX/2021 {$240.00}
Product: Student loan

I am trying to understand why Navient is hasnt paused my student loans payments. I thought that Biden placed a hold due to Covid until this XXXX. Although, I have been continuing to make these all throughout this time, they have continued to charge late fees and now have a Collection Agency calling me on their behalf. I admit that I have been late and have requested forbearances however, Navient have also deferred/forebear some of my loan payments without my request or approval. I also, do understand how my original principal balance is {$20000.00} and I have paid them a total of {$33000.00} ( XXXX, XXXX principal and {$21.00}, XXXX ) and I still have 10 years of payment to go at {$310.00} per month. I believe because cause of false deferred payments they have put me a cycle where I will forever be paying them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Credit card

A credit card was opened in my name without my knowledge with dime community bank. I contacted the bank about closing the account and clearing my credit of this application.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  IS PAID IN FULL AS OF XXXX
Product: Credit card or prepaid card

I recently checked my credit report to find out i had a collection in my name. I called the number on the report. I was told that in XXXX of 2022 a credit card was opened in my name used and than no payments where made. I responded i didnt have a XXXX account and it wasn't me. I was told to report as fraud.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX XX/XX/XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX XX/XX/XXXX Reason : Unverified account Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX XX/XX/XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX XX/XX/XXXX Reason : Unverified account My social security number has been compromised from the social security breach that occured in XXXX access to the XXXX XXXX XXXX XXXX. Thank you for your prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if further information is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX XXXXXXXX XXXX REF # XXXX has violated my rights.15 U.S.C 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY.15 U.S.C 1681 SECTION 604 A SECTION 2 ; .IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT NUMBER WITHOUT MY WRITTEN INSTRUCTIONS.
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, eliminate the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint file with the CFPB against XXXX XXXX. They are reporting an account on my credit report as a tradeline instead of an inquiry. I never received money from them. After my first complaint, they reached out to me by phone and stated they are unable to respond to my complaint by letter/mail ; even though, it is stated by law this must happened. The representative who called me wanted to verify information with me over the phone, I mentioned to him, they have all the information they needed, but if they were missing information to please requested in writing. I asked him to please respond to the several letters that I had sent them, and he continued to decline to follow through with the request to submit their response by letter. I do not know what else to do. I have not received a single letter from them since they reported that account inaccurately on my credit report. The credit bureau is also ignoring FCRA guidelines, and it is not removing it from the credit response despite my several attempts to showed them XXXX XXXX did not respond to me in a timely matter. XXXX XXXX is using deceptive practices to report inaccurate information on my credit report, and this is affecting me. How else could you help me with this issue?