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

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$820.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I applied for this loan because of financial difficulties. Me being young and when I applied it said 29.9 % interest rate. Come to find out it 's actually 299 %. I have made payments never late mind you. The loan was for XXXX. I have paid XXXX $ and I still owe them XXXX. The date as of today XXXX-XXXX-2017. I get payday loans are meant to be paid back by pay day however I should n't have to choose between food and paying this. If someone can bring food that would be great.
Product: Vehicle loan or lease

To whom it may concern, the purpose of my letter is to discuss the predatory lending practices of Credit Acceptance Corporation. I purchased a XXXX XXXXXXXX XXXX in XX/XX/XXXX from XXXX XXXX located in XXXX Indiana. The loan documents were in a touch screen table. The employee going through the documents rushed through them and failed to discuss the {$1200.00} extended warranty that was added to the loan contract. About a week of having the vehicle I noticed it had been added. I called the dealership about this and was told the reason was because I did not put enough money down. Neither the sales representative nor the financing agent discussed this with me at the time I made the loan. 

In XXXX, I called asking to remove the extended warranty because I figured I had paid enough to no longer require it and was told by customer service that I wouldnt get a refund because the time was about to end for the 2 year warranty. I explained that I never wanted it and the reason why it to have my loan. The representative I spoke with said all I had to do was to call them and they would have removed it. So I was lied to and charged {$1200.00} at 22 % interest for a product that I did not request and was dishonestly added. 

Also, in XXXX the vehicle was repossessed, however there was no written communication from Credit Acceptance Corporation regarding the past due amount and what was required to bring my account current and their intent to repossess the car. The tow truck came and picked it up and was quickly moved to the XXXX auction lot. I redeemed the vehicle picking it up I discovered while it was in their possession the vehicle had been riffled through, the front passenger tire was flat and the spare tire kit was stolen. I started a new payment plan and although I was paying according to their terms they continued to report my account late to the credit bureaus. I recently filed a dispute with XXXX and they did not investigate the company fraudulent reporting, They accepted the creditors report but did not dig into their actual company policies. I have a 22 % interest rate I can not refinance because they refuse to correct the reporting
Product: Money transfer, virtual currency, or money service

This complaint is referred to Provider : Paypal Account email : XXXX My company name : XXXX XXXX XXXX Phone : XXXX The business account was suspended without any explanation and frozen money for 180 days. Those funds are extremely important for small growing businesses to operate and survive. 

From our side, we meet all required expectations to run a business with Paypal. We sell physical goods, and - all our shipments were on time according to our shipping policy- we have a low return rate- we have a low dispute rate- we have all the necessary documents to sell our products So, what should we do to have an opportunity to sell our products?
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery is reportinig inaccurately on my credit report. There are 3 accounts that show on my credit reports that are not mine. I have never received anything from this company to Validate this request. This debt is showing from XX/XX/XXXXbut I never received anything from them stating it was my account. I disputed with the account with XXXX, XXXX, and XXXX and the accounts were updated with XX/XX/XXXX dates. I have no recollection of this debt and want it removed immediately from my credit report. I sent a certified letter last month and they sent me a copy of a bill at an address I have never lived. I asked them to validate the debt and send me a copy of what I allegedly signed for this account and I still have not received it.. I am attaching the letter sent to this company and the proof of certified letter. I want to be provided the actual contract that I allegedly signed for this company. I have informed this company that I have never lived at this address in question.
Product: Checking or savings account

I do not have dates and amounts. This has been ongoing for years. Fees are incorrect. I even had another account shown up on my log in and then disappeared.
Product: Credit card or prepaid card

My girlfriend and I were going to XXXX but coming back on different days. I nevertheless purchased her return ticket on XXXX for XX/XX/XXXX. Unfortunately, on XX/XX/XXXX, she got word that her grandfather in XXXX has maybe XXXX hours to love and she needed to come home ASAP. I was able to get a flight credit for the original trip she was supposed to take on XX/XX/XXXX but it could 1 ) only be used by her ; 2 ) could only be used on United ; and 3 ) could not be redeemed any other way than by calling into their call center. Annoying but, to this point fine. 

When she called to book her flight home from DC she was first on the phone for over an hour before patching me in to get authorization. After another XXXX minutes, the rep told us the site was actually under maintenance and hes call us back. However, he assured us my verbal authorization would be fine for when my girlfriend spoke to him later without me. 

He never called back and she spent another hour and change on the phone before being told my prior verbal authorization was insufficient.. 

Finally, after another two and a half hours on the phone, I was able to purchase the ticket for her. Or so I thought. 

When we got to the airport for our return trip from DC, we went to the XXXX XXXX and put in the confirmation code shed received via email only to get an error message. After waiting in line for a human, we were told her booking did not exist - confirmation email from Chase or not. Of course, Chases booking phone number was also closed so bo relief there. Eventually, we had to split up as I had work the following morning on the XXXX XXXX and she did not. She was able to get a later flight using her own card but did not get home until close to XXXX a.m. 

The next day, it took another almost three hours on the phone to get them to at least say theyd issue a refund and an almost insultingly low {$50.00} in points for the almost XXXX XXXX  of wasted time but to mention unimaginable stress at the worst possible time. 

The kicker/ as of now, neither the refund nor the points even show as processing in my account yet. 

It should also be noted that, at every stage, we made it clear exactly what this trip was for and just asked to please get get help in this awful situation. I guess those pleas just fell on deaf ears.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX are currently double reporting on the same debt. Not only are they double reporting, XXXX XXXX XXXX, is also included in my Bankruptcy discharged docket # XXXX. This is in clear violation of the Bankruptcy Law Act.
Product: Credit reporting or other personal consumer reports

To whom it may concern I'm writing to seek your assistance in a pressing matter regarding my credit report. Two bankruptcy entries appeared on it, which I believe were inaccurately reported. These entries stem from XXXX XXXX, a credit reporting agency, and were shared with major credit bureaus- XXXX, XXXX, and XXXX. 

XXXX XXXX sources this information from the publicly accessible PACER ( Public Access to Court Electronic Records ) system. While the PACER disclaimer acknowledges the potential for errors, the concern here is the use of my data without the proper authority, which could infringe on 18 U.S. Code 912, resulting in legal penalties.

These actions not only appear to breach federal laws but also my rights as a U.S. citizen. I request your help to prompt XXXX XXXX to remove these inaccurate bankruptcy records from my credit report within the legally mandated 30-day window. I also insist on an updated credit report after the matter is resolved. 

Additionally, I believe XXXX XXXX XXXX have violated two more laws : the Social Security Act ( 42 U.S.C. 405 ( c ) ( 2 ) ( C ) ( i ) ) and Virginia Code 18.2-186.3, which concern the use and disclosure of SSNs without proper consent. 

Considering the gravity of these concerns, I implore the Consumer Financial Protection Bureau to step in and facilitate the removal of these erroneous entries. Your prompt attention to this matter is greatly appreciated. 

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

Page 1 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 XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. XXXX Account # XXXX has violated my rights. XXXX XXXX Account # XXXX has violated my rights. XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX and Account # XXXX has violated my rights. XXXX XXXX XXXX XXXX # XXXX has violated my rights. XXXX XXXX XXXX  Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States | have the right to privacy. XXXX XXXX XXXX Account # XXXX has violated my rights. XXXX XXXX XXXX Account # XXXX and Account # XXXX has violated my rights. XXXX XXXX XXXX acount # XXXX has violated my rights. XXXX XXXX  acount # XXXX has violated my rights. XXXX XXXX XXXX acount # XXXX has violated my rights. XXXX XXXX XXXX acount # XXXX has violated my rights. XXXX XXXX acount # XXXX has violated my rights. 
15 U.S.C 1681 Section 604 A Section 2 : It V 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 all 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 opened a FIXED RATE CD on XX/XX/year> for XXXX at XXXX %. They only deposited XXXX. This is a difference of XXXX. The branch associate said that my rate deposit is based on market value. I left the branch and started a CHAT with Bethpage ( Now Four Leaf ) who ran me in circles, then said I had to go BACK to the branch, as this was a " branch matter. '' I'm being given the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started working on repairing my credit about a year ago. I have sent disputes to XXXX, TransUnion, and XXXX on a loan account for a motorcycle, with XXXX XXXX. The most recent was sent in XXXX XXXX XXXX ). They all sent back that it was Verified as Accurate. However, the account NAME does not match up .... nor do the addresses, or STATE of the creditor. It's also stating that the account was a PAID CHARGE OFF ... XXXX however one report says {$1200.00} was paid, one says {$700.00} was paid, and they ALL 3 have DIFFERENT YEARS for the closed date. This is really affecting my credit negatively, and I have tried everything I can to prove to them that it is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter with my credit report highlighting all the errors on my credit report. However, we have allowed furniture providers to violate the FCRA Act under Article 623 ( a ) which states, prohibits furnishers from reporting information to a CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate.14 The statute defines reasonable cause to believe that the information is inaccurate to mean specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. CONNS HAS BROKEN THE LAW WITH GIVING INACCURATE INFORMATION TO ALL THREE CREDIT BUREAUS ... CHECK THE ATTACHMENT BELOW... LIKE HOW IS THE DATE OPENED INCCORECT ON ALL THREE... IS THIS ACCURATE? LIKE HOW IS THE DATE REPORTED INCORRECT ON ALL THREE BUREAUS. OVERALL, HOW IS THE DATE LAST ACTIVE INCORRECT... PLEASE READ ATTACHMENTS. I PRAFULLY YOU DELETE DUE TO YOUR MISTAKES OF MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

800 Loanmart is company that i do not know ... this account started in XX/XX/2022 affecting my credit score .. and they can not proff this account as mine..
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX The collections company below has reported to the credit bureau a medical debt that was already paid. 
This is a scam and it was also reported on the credit bureau of some of my family members. 
The way they get away with this scam is by claiming that an XXXX XXXX XXXX group was never paid and sent the bill to them, however after extensive research I learned that the name they are using as original creditor ( in my case is XXXX XXXX XXXX ) was bought by a different company called XXXX and they do not have any records of my as owing any debt to XXXX since it was all paid in full.When consumers try to reach out to the doctors they bump into this problem and there is no way to get a receipt of payment because XXXX XXXX  XXXX no longer exist.I have seen in different online blogs that this technique is use in other States as well.
Product: Credit reporting or other personal consumer reports

Complaint to the Consumer Financial Protection Bureau Regarding Equifax 's Inadequate Reinvestigation Process and Request for Removal of Inaccurate Accounts Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding Equifaxs handling of my dispute under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, which mandates that credit reporting agencies conduct a reasonable and thorough investigation of consumer disputes.

After disputing the accuracy of several accounts, I received a response from Equifax indicating that the accounts were deemed accurate, without providing any evidence of a thorough investigation. I respectfully request that the following accounts and any associated hard inquiries be removed from my credit report due to inaccuracies : XXXX XXXX XXXX Reported : XXXX XXXX, XXXX Balance : {$7500.00} Status : Closed XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX Balance : {$2900.00} Status : Closed Equifaxs failure to provide supporting documentation or evidence of a reasonable investigation into these accounts is a violation of the FCRA. The absence of transparency regarding their investigation calls into question the accuracy of the information being reported. As required by law, Equifax must provide proof that a thorough investigation was conducted, which has not been the case here. 

Additionally, these actions may violate the Consumer Financial Protection Act ( CFPA ), specifically Section 5536 ( a ) ( 1 ) ( A ) - ( B ), which prohibits deceptive practices in consumer financial services. Equifaxs failure to comply with the law in these matters is concerning, especially in light of the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) addressing similar violations by Equifax.

In light of the above, I request that the CFPB take immediate action to ensure that Equifax complies with federal law by removing these inaccurate accounts and any associated inquiries from my credit report. I also request that Equifax provide evidence of the investigations that were conducted for all disputed accounts.

Thank you for your attention to this matter. I trust that the CFPB will take swift action to address these concerns. 

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

On XX/XX/XXXX I contacted Lexington Law Firm with regards to needing assistance with removinginaccurate information from my credit report. I explained I had contacted my Car Loan company with no resolution. I was explained the program, and asked the representative explicitly wouldI be charged if no actions were taken. On the recorded call, he said " no ''. I then gave my card number and was immediately charged {$14.00} for a transunion credit report. I was then advised I would be charged a {$110.00} fee if action was taken. 

On XX/XX/XXXX I received direct coommunication from XXXX XXXX that they matter hadbeen successfully resolved in my favor. I logged onto my Lexington Law Firm portal on XX/XX/XXXX and sent a message requesting cancellation. I noted that there were no pending charges. I did not receive any communication from the company until XX/XX/XXXX by phone. On XXXX XXXX, I received a phone call from anassociate trying to " sell '' a lower package. I advised as outlined in my email communication, I wanted to cancel. I was then advised I was going to be charged the {$110.00}. She stated there were challenges sent out on XX/XX/XXXX and XX/XX/XXXX ( AFTER request for cancellation ). I advised there was only one account in dispute, and it had been corrected. I then asked to speak to a manager. The supervisor XXXX was equally rude, and would not provide an employee ID nor last name to distinguish himself. He stated I had " 5 days '' to cancel, to which I advised him the discussion on the recorded call which lead me to enter an agreement with the company. I asked him to have the original call pulled and to have a manager call me.
Product: Credit card

On XX/XX/XXXX I fell victim to a XXXX scam. The scammer was posing as a Wells Fargo fraud prevention representative and contacted me regarding suspicious charges on my account. My wife 's credit card had been recently compromised and so I was inclined to believe the scammer since we had just gone through this with her card. After verifying my account information, he gained access to my online banking account and the scammer performed a Cash Advance from my credit card to my checking account in the amount of {$580.00}. The scammer then set up a XXXX money transfer from my WF checking account in the amount of {$2100.00} ( the entire balance of my checking account now with the Cash Advance ). After the payment went through he hung up the phone and I realized I had fell victim to a scam. 

I immediately called Wells Fargo and spoke to three representatives who wrote down the incident and filed claims on my behalf. 

On XX/XX/XXXX, I received two letters in the mail regarding my claims. The first letter said that the Cash Advance could not be reversed as there were insufficient funds in my account ( obviously since they were all stolen ) and that I was obligated to pay the amount off on my credit card with my own funds ( which I don't have ). 
The second letter I received was regarding the {$2100.00} XXXX transfer and Wells Fargo states that they will not reimburse me for the stolen funds as I " approved '' the XXXX transfer and it was conducted properly. 
Wells Fargo stated in the letters that the claims have been closed and resolved but I feel like I have been scammed twice now.
Product: Mortgage

In XX/XX/XXXX I was sold an interest only jumbo mortgage from Wells Fargo. Due to a divorce I attempted to sell the property, I owed XXXX at the time, the home value thru a Wells Fargo BPO came out approximately at $ 750K in XX/XX/XXXX. I applied for the Mortgage Modification Program XX/XX/XXXX. 
Paperwork went back & forth until XX/XX/XXXX when I discovered that Wells sold my loan to XXXX XXXX XXXX XXXX during that time frame for approximately $ 750K without responding to my modification request. Then XXXX XXXX XXXX ( XXXX ) sent me a loan statement saying I owe $ XXXX. After Wells Fargo took the tax deduction for the difference ( $ XXXX $ XXXX $ XXXX ) tax write off for Wells Fargo , they left me close to $ 250K underwater based on loan to value! Also, the mortgage contract stated I could not execute a short sale without the investors ' permission with them having the last word. If Wells Fargo would have worked with me and modified my mortgage loan balance equal to what they sold it to XXXX XXXX XXXX XXXX for I would have been able to keep my home. Instead their WICKED move left me $ XXXX buried and they took the tax deduction. Now XXXX XXXX has put my mortgage into a mortgage backed bond managed by XXXX XXXX. They have rejected 3 short sale offers and counter offered one buyer $ XXXX when the BPO came out at $ XXXX. They ran the buyer off! At this point I am stuck in limbo with my credit and livelihood in jeopardy. Attached is a letter I mailed to XXXX the current loan servicer. I would appreciate your assistance in this matter.
Product: Mortgage

I signed an application, unbeknownst to me as the salesperson led me to believe that I was just signing to begin the planning process, for a loan. The loan was approved and the money immediately transferred to XXXX XXXX XXXX XXXX XXXX. Nothing was done as far as planning or services was concerned. I decided to cancel the project. I sent a registered return receipt letter letting XXXX XXXX I intended to cancel. The company recieved my notice on XX/XX/year>. In the meantime the lender Mosaic informed me that I would need to begin making payments XX/XX/XXXX regardless of project status. Mosaic told me that XXXX XXXX must cancel the project and return the money before the loan could be cancelled. I have been unable to get information from freedom forever as to the cancellation process or timeline despite the fact that more than a month has passed since receipt of my notice of cancellation.
Product: Credit reporting or other personal consumer reports

These ( 4 ) accounts are being reported on my EXPERIAN CREDIT REPORT AS POTENTIALLY NEGATIVE. 
YET THEY ARE ALL IN GOOD STANDING AS ALL ( 4 ) ACCOUNTS ARE PAID IN FULL AND CLOSE.

IM ASKING EXPERIAN 
CREDIT BUREAU TO PLACE THE BELOW ( 4 ) ACCOUNTS IN GOOD STANDING AND REMOVE NEGATIVE REMARKS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ACCOUNT HAS BEEN PAID IN FULL. 
THIS ACCOUNT HAS XXXXXXXX XXXX. 
THIS ACCOUNT HAS A CREDIT LIMIT OF {$700.00}. 
PLEASE CORRECT MY CREDIT FILE WITH ACCURATE INFORMATION.
Product: Money transfer, virtual currency, or money service

Someone pretended to rent out a building, when they were not the landlord stole XXXX from me as a deposit and refuses to refund the money. Chase also refuses to reverse the charge