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

On XXXX of 2019 I reached out to CarMax used car dealership and worked with a salesman who was to assist with finding a vehicle for me. I explained I had never financed a vehicle before and owned all vehicles previously out right. I was unable to meet in person and provided my social security number, along with other information to find a loan that was within reason financially. I specifically asked that I not have more than two hard inquiries on my report and was told that the credit bureau would recognize me looking for a car and only count the inquiries as one, that was a lie. It was 17! I expressed my dissatisfaction and concern with management and was told the same lie. In first applying my credit score was XXXX and by the time they were done my credit score was XXXX! This companies practice was abusive and deceitful in forcing me to have to choose a vehicle through them because I was unable to go anywhere else once my credit score was dropped so drastically. When expressing my concerns, I was repeatedly lied to about the effect this would have on me. My credit score is horrible and Ive been denied for school loans, increases on credit limits with my financial institutions and I am enduring a financial hardship with the insanely high monthly payments. I then began having issues with the vehicle while under warranty at XXXX miles and was refused a loaner and was told I wasnt covered under the extended warranty that was purchased. Consumers should NEVER need to endure this type of predatory and deceptive behavior.
Product: Credit reporting or other personal consumer reports

I requested a copy of my credit report and noticed I had inaccurate items reporting. I created a letter to request the validity of the accounts. I mailed letters on XX/XX/2023 without a response. I really would like help in this matter. The misleading information is causing me financial stress.
Product: Credit card or prepaid card

On  XXXX / XXXX /   17  a  XXXX   XXXX   Visa  card was activated in my name. I do not have this card nor did I ask to receive this card. I have sent the company two messages using their secure messaging system on their website.
Product: Mortgage

Mr. Cooper has been paying our neighbors taxes for 2 years now and in turn our mortgage payment has gone up over {$800.00} due to insufficient funds from their error. We have called multiple times over the past few months, and was assured this issue would be taken care of. They acknowledged their error and here we are in 2021 with yet again another mortgage payment increase due to them paying our neighbors taxes again. This company has extremely poor customer service. We just tried calling again and was hung up on by the woman answering the phone after waiting on the line for 20+ minutes.
Product: Payday loan, title loan, or personal loan

A company that claimed to be Upstart XXXX  contacted me on my cell informing that Ive been approved for a loan, but due to my credit history, the first installment would be due on the same phone call. Instead of withdrawing the funds from my checking account or debit card, I was told to purchase 2 gift cards in the amounts of {$250.00} and {$500.00}. Once the gift card numbers and PIN were provided, I was told the funds would be deposited into my checking account. After waiting for hours, no money was ever deposited. After calling the loan agent 15 times, he picked up on the 15th attempt and to make a long story short, asked more of me, in order to obtain a loan that I was never going to get. In the end, I was denied a refund from this company and denied a claim with my bank.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of recent lawsuits filed by the Consumer Financial Protection Bureau ( CFPB ) that highlight serious issues with the platform. Despite my repeated attempts to dispute charges and report discrepancies, both my financial institution and Zelle failed to conduct a thorough investigation into my claims. I was told that recovering lost funds was impossible and that tracking the transactions was not feasible. The CFPB 's findings suggest that Zelle has not only failed to adequately protect its customers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. For example I was scammed out of XXXX dollars via a purchase but because of lack of information, Zelle didnt care about my need just to close the case so I was out XXXX dollars without a valuable explanation only lack of evidence.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Cease and Desist Unlawful Reporting and Communication To whom this may concern, This letter serves as a formal demand that you CEASE AND DESIST from all further actions that negatively impact XXXX XXXX, credit and personal financial standing, including but not limited to reporting to credit bureaus. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and applicable consumer protection laws, reporting to my credit file constitutes a form of communication. Any further reporting or updates regarding this matter, absent my direct authorization, may be considered a violation of my rights. 

If you do not immediately cease these actions, I will pursue all available legal remedies, including but not limited to : Filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seeking legal action for damages and injunctive relief. 
Requesting removal of any inaccurate or improperly reported information with credit reporting agencies. 
You are hereby instructed to confirm in writing within reasonable deadline 10 business days, that you will cease all improper credit reporting and related communications. Failure to comply may result in immediate legal action against you. 

This letter serves as official notice. I strongly advise you to treat this matter seriously. 

Sincerely, XXXX XXXX
Product: Mortgage

XX/XX/XXXX, I submitted a payment for {$750.00}, on XX/XX/XXXX the payment was denied for Insufficient funds. 15 days later! Later a debt collector calls me on XX/XX/XXXX, saying that I owe {$900.00} for my payment plus fees. I payed the fees and a double payment for the month of XXXX and XXXX a whole XXXX $! 

This same process repeated every month since XX/XX/2022. I have called multiple times and was told I am liable for the payment no matter how late they charge my account and that it should take at the most 5 business days to process ; but I agreed to pay on the first of every month not the XXXX. Where is my recourse as the consumer? I am on a fixed income for being a XXXX veteran and can not continue paying for Ameris Banks fraudulent charges and fees. I had to take a personal loan to cover the damages caused by Ameris. It is affecting my XXXX for mental health causing me unneeded stress. And hurting my credit score I need a resolution.
Product: Credit reporting or other personal consumer reports

Im submitting to the credit Bureaus today to inform that I was the victim of identity theft. Per FCRA section 605b they are required to remove/ delete any items listed on an id theft report. Please find the required documents to assist in the deleting of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance XXXX {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # XXXX XXXX Filed/Reported XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX Kentucky XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Credit reporting or other personal consumer reports

I found a student loan on my credit report. I am XXXX XXXX XXXX and I have not ever had a student loan in my life. I disputed it and they still say it is mine.
Product: Credit reporting or other personal consumer reports

I am writing to inform you of a concerning error in my credit report regarding late payments on my account. After carefully reviewing the report, I found that late payments have been incorrectly recorded, which has negatively impacted my credit score. 
When I contacted the companies linked to this account, they acknowledged their mistake and agreed to correct it by updating my account to accurately reflect my payment history. They stated that a system glitch caused the incorrect reporting of late payments. 

It is puzzling that, while other credit bureaus have already corrected this errors, your bureau continues to report the late payments. This inconsistency raises questions about the verification processes your bureau uses to ensure the accuracy of reported information. 

XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

XX/XX/XXXX XXXX XXXX allowed XXXX to withdraw XXXX from our card. 
Contract with XXXX ended in XX/XX/XXXX, all equipment was returned. hadn't, heard from XXXX that we owed them any money from XX/XX/XXXX until XX/XX/XXXX. The XXXX XXXX  card used was never a card on file with XXXX, They were not authorized to use this card, they retained the cards info from a time that we used it to pay a bill. XXXX XXXX began an investigation, we submitted our documents showing this was fraudulent charge. XXXX returned our money to us on XX/XX/XXXX. We thought that was the end. XXXX took the money back XX/XX/XXXX and told us the investigation wasn't complete. This money is our total income, XXXX was never authorized to use this card, XXXX concluded the investigation XX/XX/XXXX and we still dont have our money back, not to mention when contacting XXXX, they cant even find us in their system. We didn't dispute the fact that we may owe XXXX money, we disputed the fact that this was not the card on file that XXXX had, they were NEVER AUTHORIZED TO TOUCH THIS CARD! XXXX XXXX is bogus they let anyone use this card and they dont return our money leaving us with no way of feed our kids or pay our bills this month. This is the 2nd time. XXXX still cant find us. XXXX needs to return our money!
Product: Student loan

I am a service connected, totally and permanently XXXX veteran. Although my student loans have been forgiven through XXXX, the loan servicer for the Department of Education has notified the credit reporting agencies that my student loans are delinquent and have been " Assigned to the government ''.
Product: Debt collection

I was hospitalized for a foot operation and went to rehabilitation center to walk again. I was never notified of this bill for {$230.00} until it showed up on my credit report. The disputed dates were in XXXX of 2018. I had both Medicaid, Medicare XXXX XXXX and XXXX, a LTMC ( Long term medical coverage ) I don't know who these people are or what this {$230.00} is for.
Product: Credit reporting or other personal consumer reports

MY ACCOUNT # XXXX Hope everything good I'm just lettin you know Im disputin that debt under the Fair Debt Collection Practices Act This aint me askin for no more proof or paperwork Im just tellin you straight up I dont agree with it If you got ta reach me do it through email only Monday to Friday XXXX to XXXX XXXX XXXX XXXX Dont try no live calls or voicemails and dont be sendin no mail XXXX XXXX none of that its just a hassle Appreciate you understanding
Product: Credit card

Citibank sent me a prequalified offer for XXXX AAdvantage miles if I meet the minimum spend, despite previously opening an XXXX card with them a year ago. There was no 24 month language in the prequalified offer, so I applied and was approved. I requested them to honor a different targeted mailer they also sent me invitation # XXXX, they also refuse to honor that. 

Their dishonest practice tricked me into opening an account I otherwise had no interest in opening, which is why I closed it in the first place, by luring me in with a false bonus. This should be illegal if it is n't already, and they are violating the terms they agreed to when I submitted my application.
Product: Credit reporting

Today, XX/XX/XXXX, I received in the U.S. mail my " FREE '' annual credit report from " Equifax. '' While reviewing all 46 pages very carefully I noticed that under the " Collection Agency Information '' section on page 5 of 46 pages that a so-called " Collection Agency '' by the name of " XXXX ; XXXX XXXX XXXX ; XXXX, Florida ; XXXX ; XXXX '' unlawfully posted on " XX/XX/XXXX '' onto my " Equifax credit report '' that I owed " $ XXXX '' to " XXXX '' from " XX/XX/XXXX. '' This debt is NOT mine. I am a victim of Identity Theft. And this is the 3rd time now that this " XXXX '' company has unlawfully posted this onto my " Equifax '' credit file in the last 2 consecutive years. I called up " XXXX '' and politely informed them of the facts. That I have been a customer of XXXX XXXX XXXX for over 22 consecutive years and NOT ever with XXXX The " XXXX '' customer rep. just rudely hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit report and I see a account that doesn't belong to me and stems from Identity theft. The date the card was opened was on XX/XX/2018 and the fraudulent amount that I am not responsible for is {$750.00}. The actions that I took already was filing a police report and a identity theft report.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need delete are listed in the report. I am a victim of identity theft and did not make the charge. 


XXXX XXXX XXXX XXXX When the account was opened : XXXX XXXX Account Balance : {$6500.00} Account name : XXXX XXXX XXXX When the account was opened : XXXX XXXX Account Balance : {$300.00} Account name : Diversified Adjustme When the account was opened : XXXX XXXX ACCOUNT BALANCE : {$980.00} Account name : XXXX XXXX  When the account was opened : XXXX XXXX Account Balance : {$1000.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I called in to Barclays to pay off my credit card $ XXXX. I explained to the agent that I would like to have the account paid in full and for the account to be closed and for that information to be relayed to XXXX, XXXX XXXX, and XXXX. The rep placed me on hold and came back with the payoff. I gave her my financial information and she thanked me for my business and explained that she would handle every thing on her end to close the account and to notify the credit bureaus. 

3 weeks go by and I received notice that the account was past due. I called Barclays to find out why and was advised that the rep from XX/XX/XXXX may not have given the correct payoff and that they recognized that it was their error and that they would be reversing the last amount on the account and as a precaution contacting the bureaus to advise that I was not past due and the account was paid in full and in good standing. 

Another few weeks go by and I received another notice of delinquency. The previous rep did not do anything that they said they were going to do. So the new rep got a manager on the phone and she apologized and said that she would have to escalate it to a different department and I would be getting a call back in around 2 weeks. I never received a call and a few weeks later received another collections notice. 

I called to Barclays again and a rep explained to me that he saw the notes in the system that the account was being handled and that it takes 1-2 billing cycles for the update to take affect and he ensured me that there would be and had not been any adverse reporting to the credit bureaus. 

Fast forward to this past weekend and I receive another notice of collections from Barclays for {$60.00} and now I received notice from XXXX XXXX and XXXX that my scores have dropped by over XXXX points. Barclays is reporting the account delinquent and my credit is adversely being effected. Barclays is completely inept and can not do their jobs, and DO NOT do their jobs. This has gone round and round and round and today the situation is going back into " review '' for which I'm supposed to wait 2 weeks to hear from someone. I am supposed to be purchasing a new vehicle this week and my credit score will determine what interest rate I qualify for. I may end up paying thousands and thousands in additional interest as a result of Barclays ineptitude and unwillingness to correct their errors. 

Please help!
Product: Debt collection

The company CBE GROUP has place a debt on my credit report that is not my debt. the account was done fraudulently. The person representing this company called me several times and i let them know i don't live at the address that are talking about and this is not my bill. 


The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.
Product: Debt collection

# 1.I thought the company would resolve this dispute they agreed that this wasn't my debt amount. I submitted an email from the Headquarters stating just that see the attached.

# .2 A new collection agency is reporting this debt as if it's a new debt with a later date than the origin of the debt and a noted dollar amount.

# 3. The debt had been charged off and creditor has paid by insurance company, but is reported as a collection.

# 4. I never received any XXXX for the charge off for XXXX  tax reporting purposes.
Product: Credit reporting or other personal consumer reports

I have been attempting to procure the contents of my consumer report from LexisNexis for more than 60 days. 

Each time, I receive a letter in the mail that states they ( LexisNexis ) are unable to authenticate my identity. 

That said, each time I make a request for the report, they ask for more and more invasive information that certainly exceeds what a prudent person would consider sufficient for identification. 

Ive even went so far as to sign, under penalty of perjury, a sworn affidavit stating that I am the person with my name and other PII, all sufficient to verify identity. 

I feel as though there is something amiss concerning my ability to obtain the report from them, that they are intentionally stalling/stonewalling my access to the report and that they are attempting to mask their unlawful disclosure of my report data to those that have no appropriate business accessing it. 

I was recently a participant of a data security panel that opined on concerns with foreign owned businesses accumulating US citizen data. That panel, which was in front of a live audience, was later mentioned by LexisNexis executive staff as being an issue that needs to be taken care of.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX XXXXXXXX XXXX account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX HAS VIOLATED MY RIGHTS 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 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 a person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I settled with this debt collector XXXX XXXX XXXX XXXX who collects on XXXX XXXX XXXX XXXX XXXX /XXXX  XXXX. 

The account was paid in full and removed from my credit, then after 8 months returned anew on my credit as new debt
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXXXXXX Balance : {$440.00}