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

I do paper work on XXXX XXXX XXXX  new XXXX with price XXXX something, finance guy ask me the option and tell me around more than XXXX dollars a month .I agree after finish i never tell me my final balance in mind my around XXXX ( i am not good on math ), so when i got home have lunch and look at my paper more than XXXX. I call back a fews time, the people operator and reception ask me the reason, they don't transfer keep me on hold and some time lost connection, i have to call XXXX sale man ask finance the day on Sunday XX/XX/XXXX to remove option more than XXXX, i wait for three month later, i call XXXX Toyota to ask just me ballance they wait for dealer, i offer my copies and get denies .I call XXXX to ask him to remind finance to send paper, i would like balance to correct, i call Toyota headquarter not thing happened. i paid my bill start XXXX until now. in contrac my bill XXXX, option remove total XXXX .They know my english is bad that why rid my off.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX XXXX Act # XXXX, XXXX  Act # XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX Act. # XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX Act. # XXXX, XXXX XXXX Act. # XXXX, XXXX XXXX XXXX  XXXX # 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
Product: Money transfer, virtual currency, or money service

I am writing formally to express my concerns regarding Zelles handling disputes particularly in light of recent CFPB lawsuit highlighting significant issues with the platform despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>2025. I looked at my credit and noticed some inaccuracies. I sent a letter to Equifax on XX/XX/year>2025 asking them to investigate these accounts XXXX XXXX XXXX XXXX. I sent it certified mailed here is my tracking number on XXXX XXXX XXXX XXXX XXXX XXXX, they sent me their investigation and said those are verified accurate. And according to 15 USC 1681 ( 5 ) I see it states after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, and item of the information is found to be inaccurate or incomplete or can not be verified. The credit Bureau did reinvestigate and violated my right.
Product: Money transfer, virtual currency, or money service

Moeny  transfer between  XXXX   XXXX  and  XXXX  vi a Deutsche Deutsche was   unexpected fee took from my account {$15.00},  XXXX  {$10.00},  XXXX  {$15.00} but I do n't know why Deutsche at this point.   It was  XXXX  sometime, my parents sent me my money to my US account.   It had happened.
Product: Student loan

OnXX/XX/XXXX I called Navient to pay off my remaining balance in full to close my account which was {$16000.00}. I found out on XX/XX/XXXX that they allocated {$3900.00} towards my Navient account, not closing my account. They used {$12000.00}. XXXX toward my XXXX account which was not authorized. I contacted XXXX XXXX XXXX fraud department.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report XXXXseparate fraudulent inquiries appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent inquiries have affected my life have resulted in several fraudulent hard inquiries and appearing on my consumer XXXX credit report. XXXX XXXX XXXX, XXXX XXXX Auto XXXX, XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX Auto XXXX XXXXI demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws XXXX 
CFPB Complaint against Credit Reporting Agencies Equifax Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX SSN ), Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent inquiries have resulted in several fraudulent inquiries appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Equifax credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Checking or savings account

My Wells Fargo account has been compromised several different times over the course of these past 2 years and the loan officer at the bank is saying they can not go back past a year and figure out what happened to over {$55000.00} from my accounts. I know for a fact that this is not true, but I do not understand how she can boldly lie to me about my own accounts and treat me as if this was my fault. I have filed a police report in XXXX county and plan to fight these fraudulent withdrawals to the fullest extent of the law.
Product: Mortgage

Please, refer to letter attached. The document attached is requesting the local regulatory institution OCIF ( XXXX XXXX XXXX XXXX XXXX XXXX ) support. In the same way, I am requesting support to CFPB.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX XXXX ( in PA ) called me on XX/XX/year>. He told me I was going to be arrested for not appearing in court that day. If I paid a fee, they would come to my house to rectify the situation. If I hung up, I would be arrested. I told them I did not believe him and we hung up. I was then called directly from a phone number listed as " XXXX XXXX XXXX XXXX '' in XXXX. He said he was XXXX  XXXX 's boss and berated me for not believing this was a real situation. I searched for them on XXXX and found profiles for each member I spoke to, which led me to believe this was real. 
I paid them via two XXXX transactions ( attached below ). Within minutes of hanging up, my husband informed me this was a scam and we immediately called Bank of America to stop the payment or reverse the payment. When they could not do that, we immediately filed a claim to Bank of America. I provided all of the above information plus the account that I sent the money to. I was denied the claim reimbursement, twice.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts reporting that I do not recognize : 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: Debt collection

PHOENIX FINANCIAL continues to insert fraudulent accounts into my credit file. Not only are these accounts getting inserted PHOENIX FINANCIAL is failing to communicate to me that they hold any accounts under my name. I am not being given my right to dispute the validity of each account to inform PHEONIX FINANCIAL that these accounts do not belong to me and are a direct result of identity theft. You are hereby notified that I am a victim of identity theft and the accounts listed below that appear on my credit file are a result of identity theft. I I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Product: Mortgage

We bought a house XX/XX/XXXX, for XXXX with a XXXX and a XXXX mortgage. We refinanced to get out of a 2-year ARM and increased the amount of the second mortgage.  XX/XX/XXXX, the economy went south and my husband who is XXXX as a XXXX, suffered setbacks with his XXXX but also with his health, needing a XXXX. I lost my job and got a new one, but lay-offs meant that I had to look for work again.  We struggled to keep our house and became delinquent with the XXXX mortgage on XX/XX/XXXX.  We have been through XXXX loan modifications, and we knew that we should concentrate on the XXXX mortgage so as to keep our home. We do not want to file for bankruptcy, and we want to keep our home. We did not make any payments on the XXXX mortgage after XX/XX/XXXX. Greentree, also known as XXXX sent us a letter dated XX/XX/XXXX advising us that the statute of limitations has run out.  XXXX, their debt collector, sent us a summons with a letter dated XX/XX/XXXX to court for XX/XX/XXXX to appear before a judge over the debt. I thought that when the statute of limitatinons has run, that XXXX are to stop pursuing the debt under the law.   I am afraid to contact them because any communication with them may be seen as an admission to the debt and revive the debt with respect to the statute of limitations.  Greentree continues to send us a bill for the debt, hoping to trick us into making even the smallest payment in order to revive the debt with respect to the statute of limitations.  XXXX sent us a letter that tries to get us to pay something in lieu of going to court, but that is also in order to revive the debt.  I don't think they should be allowed to try to trick homeowners into thinking its safe to pay a little without informing the homeowner that it will make them fully liable for the debt for another 6 years.
Product: Debt collection

On XX/XX/year>, I received a threaten letter from Resurgent Capital Services, L.P. about a debt collection for the amount of {$4400.00}. I responded back with a Cease and Desist Notice and Debt Validation letter explaining I do not have an account or debt with Resurgent Capital Services , L.P . According to FCRA section 605B it is illegal to report anything on my credit report without my permission. In addition, According to 15 USC1692c you have violated my rights by unlawful communications. Please remove this collection off my credit report. Thank you
Product: Credit reporting

Transunion fails to remove the XXXX XXXX XXXX account. Transunion reports incorrectly that this account has a credit limit of {$64000.00}. Transunion reports incorrectly that this account is paid monthly. Transunion reports incorrectly that this account 's date of first delinquency is XXXX/XXXX/2009. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Product: Checking or savings account

I had a line of credit with First Citizens Bank which I paid off and closed in. XXXX. A debit was taken from my checking account to pay for this closed line of credit. I called First Citizens before the transaction posted to let them know it is fraudulent. The charge still posted to my account on XX/XX/XXXX. I called them again to ask that the charges be reversed. 

When the funds were still not back in my account a week later, I went into the branch on XXXX XXXX on XXXX XXXX, SC. The manager at this branch assured me that she have the funds returned to my account. It has been over a week since that conversation, and the fraudulent charge has still not been reversed.
Product: Checking or savings account

I currently have been waiting over 2 weeks for over 30 transactions and amount close to XXXX $ to be disputed. I was out of town when this happen and they denied my claim saying it was no fraud. Im a father of XXXX and Im about to lose my house because I dont have the money in my account to pay for anything. Ive been given the rundown everytime I call and they just hang up on me. Im very concerned because I can not lose my house and my children because of this. I need this to be fixed ASAP!
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Product: Credit card or prepaid card

On XX/XX/2022, I was alerted by XXXX that a credit report inquiry had been completed in my name. Upon researching, it was discovered that a credit card had been opened in my name through USAA. After making a credit report dispute with XXXX, they suggested that I call the bank. On XX/XX/2022, it was found that there was an {$8.00} balance on this credit card and I reported the fraud to USAA. I was told it would be investigated, and that someone would reach out to me with information. No one has contacted me. I have called them on several occasions, noting that I have not been contacted and expressing concern that this card was still active. I continued to receive alerts from XXXX that my credit score was dropping. I spoke with someone in XXXX and was told that the card had been flagged and investigations are usually concluded quickly once reported. This was the second or third time I had reported the issue. On XX/XX/2022, I received another alert from XXXX. I was able to speak with XXXX at USAA who informed me that the card is still active and charges are still being placed on it despite having been flagged as fraud and being open for investigation. This fraud was reported in XXXX, it is now XXXX and now over {$4000.00} has been charged to this account which is not mine. I am not even a member with USAA, nor have I ever been. After speaking with USAA on XX/XX/XXXX, they have informed me that despite my calling and reporting multiple times, the card will continue to be active and they can not shut it down. It has only just now been suggested that I complete a credit report dispute with USAA. I have now completed this form, but it took over a month to even suggest it be completed. I have discovered through XXXX ( USAA said they couldn't verify ) that this card has a {$15000.00} limit and the balance keeps rising. USAA has known for almost six weeks and has done nothing to stop this fraud despite having multiple notes in their system stating that I have called multiple times to flag the account as fraud.
Product: Debt collection

I recently file a complaint with the consumer financial protection bureau on XX/XX/2021 against XXXX XXXX XXXX. At this time i request a cease of all written and oral communications and gave a list of violations under Fair Debt Collections Practices Act. At which stated each violation is XXXX 15 usc 1692k ( a ) ( 2 ) ( a ) and to verify this alleged debt 15 usc 1692g. XXXX XXXX XXXX did not remove collections while in dispute from my consumer file with the credit reporting agencies under Fair Credit Reporting Act 15 usc 1681i ( a ) ( 1 ) ( a ).

I was sent a summons though the mail in XXXX  that I was being sued in civil court in XXXX and another statement for payment which their main offices are located in virginia which is a violation per federal law to sue someone in another state. 
Which is violation of previous agreement from response to cfpb and a letter was sent to me though mail to cease all communications 15 usc 1962c ( c ) and 15 usc 1692c ( c ) ( 1 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car and used America Honda Finance to finance the car. I had made all of my car payments on time when I had a catastrophic accident in where my car was totaled. My insurance company paid America Honda Finance the balance owed on the car at the time of the accident in where the insurance company totaled out my car. I then got a collection letter from a third party notifying me that my account with America Honda Finance was delinquent and I needed to make payment arrangements on said account. Once I was notified of this I contacted America Honda Finance to have this issue addressed and to verify they had received payment of the balance owed from my insurance company at which time they confirmed they had. Once this was done I was told that I would have no more issues. I recently checked my credit report and found this not to be the case at which point I sent letters to each perspective bureau and one to America Honda Finance. After 45 days America Honda Finance hadn't responded to this issue and the two credit bureaus stated their investigation showed as completed and that I indeed owed the amount in which was reflected on my credit reports which is simply untrue. I am looking for your assistance in this matter. I have attached all the necessary items needed to clarify this most important of situations.
Product: Debt collection

I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR XXXX or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR XXXX has sent dunning letters saying I owe them money because they obtained information from another individual. These individuals have put entries into my personal credit reports and they have been successfully disputed but they still show up as my account. I did not give them my private non-public information so I do not appreciate this being sold to this CORPORATION according to the FDCPA accounts ca n't be sold. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. They do not have the authority to go into my credit report and put in anything that is why they must stop this non-sense. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is buying from one CORPORATION TO ANOTHER for BUSINESS with another CORPORATION. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed, abused and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR XXXX., to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR XXXX to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR XXXX this is aiding and abetting with another to commit fraud on the Consumer who is a natural person is a crime. 
THIS DEBT COLLECTION AGENCY XXXX DID SHARE THIS INFORMATION WITH ALL XXXX CREDIT REPORTING AGENCIES. 
Because I did not contract with this DEBT COLLECTOR PLEASE DELETE THIS ERRONEOUS, INACCURATE INFORMATION OUT OF MY CREDIT REPORT. A DEBT COLLECTOR CA N'T PUT INFORMATION IN A CREDIT REPORT UNLESS THE CONSUMER HAS CONTRACTED WITH THEM WHICH I DID NOT DO. 

This CORPORATION tried to make a deal with me and accept a lower payoff which is against the law. These DEBT COLLECTORS are Greedy, and they know I do not owe them anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've never paid for a services from CreditRepair. Com. I've never even heard of them until they began calling at all hours from different phone number because I block every number they call from. Now they're calling me at XXXX at night.
Product: Checking or savings account

My son and I have a joint checking account and I previously requested he not be allowed to overdraw the account. He has for a second time overdrawn the account. He was {$12.00} overdrawn and this resulted in over {$70.00} in overdraft fees, he is a minor and my request that any transaction that would result in an overdraft be rejected has not happened. I know he has had previous fees reversed due to this exact situation but this is bank error in not updating the appropriate overdraft opt out preferences. I request all fees related to this overdraft be reversed and the account correctly opted out of paying overdrafts in the future.