23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

While traveling in XXXX, I was at an establishment that in addition to the correct charges hit my card for {$3200.00}. I disputed these with Wells Fargo as I had not authorized any beyond the first and, after producing alleged " signed receipts '' that were nothing but a vague scrawl ( and note that the establishment had an actual copy of my signature to work from ), the bank denied the dispute. In addition, it is shocking that it was not detected as a possible fraud, as no activity remotely like this had never happened in the entire time I had an account at Wells Fargo.
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. 

Account name : XXXX  # XXXX, Account name : XXXX XXXXXXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : 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 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 or other personal consumer reports

XX/XX/XXXX These ILLEGAL ACCOUNTS MUST BE REMOVED IMMEDITELY!

Under USC Sec 15 1681, 1682, 1683, 1684, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately.

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed!

MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP!

XXXX XXXX XXXX XXXXXX/XX/XXXX {$860.00} XXXX XXXX XX/XX/XXXX Balance {$410.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$15000.00} XXXX XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$440.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$520.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to pull two credit reports today ; XXXX and Equifax. 

For identity verification, Equifax displayed a series of irrelevant questions, then claimed they were unable to verify my identity. Interestingly, they were able to verify my identity for a previous transaction on same day. Subsequent attempts to pull report resulted in same result. This has happened multiple times with Equifax. 

Later today I tried to pull my XXXX report and received the following message - " We're sorry. A condition exists that prevents XXXX from being able to accept your request at this time. ''
Product: Credit reporting or other personal consumer reports

I recently did an investigation into mu credit and was horrified at what I found, the items being reported were imprecise and untrue, the agency did not make sure what they were reporting was 100 % accurate before playing a detrimental role in my life and placing these items unfairly on my report without the assurance that they are correct
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally file a complaint regarding my recent experience with TitleMax at the store located in XXXX XXXX  the Address of the Store is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX which I believe involves unethical and potentially unlawful lending practices. I took out a title loan with TitleMax on XX/XX/year> under the impression that I would receive fair treatment and transparent terms. Unfortunately, this has not been the case. 

I was initially drawn to TitleMax because of your advertised promises of quick cash and flexible repayment terms. However, the interest rate that was imposed on my loanan astronomical [ insert interest rate ] has made it nearly impossible to repay the loan. Despite making consistent payments, I have found that the majority of my payments go toward interest, and the principal amount remains almost unchanged. This has trapped me in a cycle of debt, which feels intentional and predatory. 

During the loan process, your representatives did not fully explain the long-term consequences of rolling over my loan or how quickly the interest would accumulate. When I inquired about the total cost of the loan, the information provided was unclear, and certain fees were not disclosed upfront. I was led to believe that the loan would be manageable, but I was not made aware of the extreme financial burden it would impose.

TitleMaxs advertising implies that your loans are a short-term solution for financial emergencies, but based on my experience, they are designed to keep borrowers in perpetual debt. I believe your companys marketing is misleading and takes advantage of individuals in vulnerable financial situations. Your advertisements emphasize fast cash and easy payments without properly disclosing the high-interest rates and fees associated with your loans. 

When I attempted to discuss my concerns with your customer service representatives, I was met with unhelpful and dismissive responses. Rather than working with me to find a solution, your team insisted that I either make full payments or face repossession of my vehicle. The lack of empathy and assistance in finding a fair resolution has been extremely disappointing and stressful.

I feel that TitleMaxs business practices are not only unethical but also violate consumer protection laws, such as those regulating usurious interest rates and deceptive advertising. I am formally requesting a review of my loan terms, a reduction in the interest rate, and a clear explanation of all fees. Additionally, I ask that TitleMax revise its lending policies to ensure greater transparency for future borrowers.

If I do not receive a satisfactory response within [ 1015 ] business days, I will be forced to escalate this matter to the appropriate regulatory bodies, including the Consumer Financial Protection Bureau ( CFPB ), and consider legal options. 

Thank you for your attention to this matter. I hope to resolve this issue in a fair and timely manner.
Product: Student loan

I have several student loans that i just now have been notified that are in default. I was never alerted of being delinquent or that repayment of the loan had started. The first notice i received was from a debt collector stating that I was in default on repayment of my loans! I 've attempted to contact all/ each service provider and keep getting the run around : either ( 1 ) trying to get me to pay a ridiculously high amount or all the loans ; or ( 2 ) claiming to not have information regarding getting out of default by rehabilitation, consolidation, or getting into any income based/ income contingent repayment.
Product: Debt collection

I am writing to formally request validation of the debt you claim I owe, as required under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. I recently received a notice from your company regarding this alleged debt, and I would like to ensure its accuracy before taking any further action.

Please provide the following information : 1. The name of the original creditor.

2. The full amount of the alleged debt, including any interest or fees.

3. A detailed account history, including all payments made.

4. A copy of the original signed agreement or contract proving I agreed to this debt.

5. Proof that you are legally authorized to collect this debt. 
Until you provide this information, I request that you cease all collection efforts, including reporting this debt to the credit bureaus. If this debt is not validated within 30 days, I expect it to be removed from my credit report per my rights under the FDCPA.
Product: Credit card

I HAVE FILED MULTIPLE REPORTS ON THE FRAUD WITH NAVY FEDERAL AND XXXX  XXXX XXXX!, I TRIED MULTIPLE DIVISIONS TO HELP WITH MATTER, BUT SOMEHOW NO ONE COULD HELP ME! WHEN I HAVE EVIDENCE OF THE FRAUD THAT HAS BEEN COMMITED!!! I HAVE SENT BILLING ERRORS TO COMPANIES! I FILED ARBITRATION WITH ( XXXX ) WITH NAVY FEDERAL XXXX XXXX, WHICH RESULTED IN THEM OPTING OUT THE XXXX XXXX!!! AND I HAVE DOCUMENTS THAT STATES SUCH!! SOME HOW MY RECENT REPORTS I FILED WITH YOU GUYS WAS DELETED AND MOVED TO ANOTHER EMAIL THAT I NEVER DID AUTHORIZED!! 

IM REQUESTING MY ORIGINAL COMPLAINTS! I HAVE THEM PRINTED BUT SOMEHOW CANT ACCESS THEM IN MY ACCOUNT!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted all three credit bureaus ( XXXX, XXXX and Equifax ) regarding unauthorized inquiries on my credit report and wrong addresses reporting also. They have not responded or removed the inaccurate information.
Product: Checking or savings account

My account was closed on XXXX of 2023 due to accusations of unauthorized transactions nothing was found true and was resolved the bank is holding my money
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB, PLEASE STOP CLOSING ALL MY COMPLAINTS AND MOVE IT FORWARD. NOT RIGHT YOU ARE VIOLATING MY RIGHTS AS A CONSUMER. HARD ENOUGH TO FIGHT WITH THE CREDIT BUREAUS AND NOW WE HAVE TO FIGHT WITH AN ORGANIZATION WHO IS SUPPOSED TO HELP US. I HAVE SENT CERTIFIED RETURN RECEIPT TO XXXX and no word back, so I am assuming the are agreeing with my findings. 

TO WHOM IT MAY CONCERN : I am a military member on XXXX XXXX. After review all 3 credit reports, I am demanding the below account be removed immediately as it completely inaccurate for the following reasons : a. The type of loan is not accurate as its a credit sale NOT Loan as shown on my credit reports. 
b. The loan is listed as charge off which is not accurate. It was sold. 
c. Current balance or owe balance is also incorrect as you can see what XXXX detailed payments. See attached document by XXXX XXXX. The remaining balance is {$11000.00} NOT {$11000.00} as you have reported. 
I have disputed with the credit bureaus and sent by certified mail with return receipt. Please see attached copy. 
Im exercising my right under the Fair Credit Reporting Act and right under the fair credit and billing act as to what right the company has to collect? I am requesting further information about items on my credit report. I am requesting full validation. 
XXXX XXXX XXXX on XX/XX/2019 {$11000.00} Original loan amount {$25000.00} Account XXXX I wish to see the original sources of the information reported. If you cant provide me with this information, please remove these account or correct as in good standing immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with.

Based on the FCRA and FTC Law, and Fair Credit and Billing Act all information must be accurate, no errors and verifiable.
Product: Credit reporting or other personal consumer reports

I attempted to obtain my credit report after XXXX reported that they used information from Lexis Nexis to increase my rate. The LexiNexis site made it impossible to obtain my credit report. It repeatedly failed, and provided no actionable way to overcome the failure.

Essentially, LexisNexis is making it difficult to obtain credit reports. Ensuring that consumers don't have an opportunity to challenge or correct derogatory information that may be used against them.

Other credit reporting agencies, make the process almost painless. I believe that the practices used by LexisNexis are substantially in violation of the FCRA. The practices are similar to those used by XXXXXXXX XXXX and other scammers, that make it extremely difficult to cancel. In this case LexisNexis, makes it difficult to obtain reports. 

This is an unfair business practice, that adversely impacts consumers. It deserves attention, up to and including fines and the dissolution of Lexis Nexus. 

It should be further investigated whether insurance companies that use Lexis Nexis have any culpability, because they knew or should have known about violations at LexisNexis, yet continued using them as a data source.
Product: Payday loan, title loan, personal loan, or advance loan

We took out a loan to finance a solar installation. XXXX XXXX is the solar installer. They recommended that we go through Mosaic Financial as that is the company they work with. 

The loan amount was for {$34000.00}. We were told that we would be paying an initial monthly payment of {$290.00} and had 18 months to pay down 30 % of the loan at which time the payment would remain the same. 

So, we made our first payment in XXXX and then received our XXXX statement which showed that the balance owed increased by {$3500.00} This was not explained when we took out the loan. I believe that this is a predatory loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : credit card not mine XXXX XXXX FCRA Violation : hard enquiry not mine XXXX XXXX
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 Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX 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 or other personal consumer reports

I am writing to complain to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/1974. The FTC report numbers related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Checking or savings account

I AM WRITING TO FILE A COMPLAINT AGAINST NAVY FEDERAL CREDIT UNION REGARDING MULTIPLE OVERDRAFT FEES I HAVE INCURRED. DEPSITE HAVING SUFFICIENT FUNDS WHEN TRANSACTIONS WERE AUTHORIZED, I WAS CHARGED AND CREDITS. THIS ISSUE ALIGNS WITH THE RECENT CFPB FINDINGS AGAINST NAVY FEDERAL FOR SIMILAR PRACTICES, WHERE TRANSACTIONS SETTLED WITH INSUFFICIENT BALANCES DESPITE INITIALLY AVAILABLE FUNDS. I BELIEVE THESE PRACTICES ARE UNFAIR AND REQUEST ARE INVESTIGATION INTO MY ACCOUNT TRANSACTIONS.
Product: Credit reporting or other personal consumer reports

XXXX and transunion along with XXXX refused to investigate my identity theft claim. I sent in my police report and personal identification information and they did not investigate, my credit reports are totally incorrect and all items are wrong. My home was burglarized when I went into the hospital battling XXXX  I am now A XXXX survivor the credit reporting agencies refuse to remove these fraudulent accounts. Please help me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely.It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard.I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX several times over the last 5 five years advising them, I have been an victim of identity theft and several hard inquiries and items have appeared on my credit report that are unknown. I have submitted several disputes verbally, in writing and electronically. I recently sent them several documents proving my identity case. And XXXX has yet to update my account. I recently filed bankruptcy chapter XXXX due to unknown hard inquiries and items showing up on my credit report. And my chapter XXXX case discharged on XXXX XXXX, 2017. I would like to have my report corrected and updated.
Product: Credit reporting or other personal consumer reports

I was a victim of fruad and identity theft. I contacted companies and credit bureau to have the information removed but was unable to do so
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. This account does not belong to me please remove 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: Credit reporting or other personal consumer reports

I am seeking your help regarding this false account on my credit report. This matter is damaging my reputation, and I need your intervention.
Product: Debt collection

I do not owe this office ANY money for anything at all. They have billed my insurance for a sleep study that did not occur, and they are trying to get me to pay this frivolous bill. They have sent it multiple times saying it's for not showing up for a sleep study - but 1 ) sleep study was never conducted, and 2 ) they were aware I was not going to be fit to participate in the sleep study. 
I've called them, and they have me leave messages, which are never returned, and then when I have talked to someone in the office, she said the {$250.00} should be dropped - and should never have been charged - but she did not have authorisation to remove charges ( only to add new ones ). When I tried to take care of this and resolve it in person, while in their office, and asked to speak with the office manager,  she said it was not up to her. Basically, I was getting the run-around while in person. 
Then, they would call, and send a LOT of mail trying to bully me - threatening to sue (? ) while all along I kept telling them that I don't owe them anything for what they're claiming, and don't understand why I can't get through to them. 
I do not owe this office a cent.
Product: Credit card

I have a couple of credit cards with synchrony bank, all of them I always pay on time, but lately, for no apparent reason, the company start lowering dramatically the amount of credit that I had in all of them. Then, I complain about that in their XXXX page and after that they closed XXXX of my accounts. I didn't ask them to do that. Is seems like a retaliation. I saw that many people are complaining about similar things and some of them even worse. 
My payments are all on time and this doesn't make any sense besides damaging my credit report.
Product: Money transfer, virtual currency, or money service

I clicked a link saying i owed XXXX XXXX XXXX. Look at the website saw it was fake the. Like XXXX XXXX later I got a notification that XXXXXXXX XXXX was sent to someone for XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no relation to this fraudulent account titled XXXX/DEPT OF ED ( XXXX XXXX XXXX XXXX XXXX XXXX on my credit report. I have not received any service or product from XXXXDEPT OF ED ( XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED ( XXXX  XXXX XXXX XXXX XXXX XXXX is a fraudulent account and is inaccurately reporting on my credit report. I can not assume an account I know nothing of to be mine. Due to XXXXDEPT OF ED XXXX XXXX  XXXX XXXX XXXX XXXX XXXX inaccurate reporting I am a victim of identity theft as someone in that organization is using my information without my authorization. XXXXDEPT OF ED XXXX XXXX  XXXX XXXX XXXX XXXX XXXX continues to falsely and inaccurately report negative items to my credit report. I have no contract with them, and I don't know who they are. After way too many attempts to contact them, they failed to disclose an agreement or reply. I addressed this matter to them in writing XX/XX/XXXX and sent a follow-up notice XX/XX/XXXX and another one XX/XX/XXXX and still have not received a response. Within Fair credit reporting act as a consumer my rights have been breached which are supposed to be protected by the Fair credit reporting act and also My privacy and confidentiality is at stake because of this false reporting. IN REGARD TO XXXXDEPT OF ED ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX under 15 U.S.C 1681 section 602 A. according to the section my rights of privacy are recognized. under 15 U.S.C 1681 Section 604 A Section 2 : this section states that a consumer reporting agency can not furnish an account or item without the consumers written instruction. XXXXDEPT OF ED never had any instructions from me. 15 U.S.C 1681B- Section A under section A this states that the consumer must provide authorization for the agency to provide such report. I never authorized XXXX/DEPT OF ED to make such reports. 15 U.S.C 1681s-2 responsibilities of furnishers of information to consumer reporting agency. ( a ) duty of furnishers of information to provide accurate information. inaccurate information is being reported by XXXXDEPT OF ED. I NEED THIS ACCOUNT DELETED. 


I NEED THIS ACCOUNT DELETED FROM MY CREDIT REPORT