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

I purchased a XXXX  XXXX XXXX  from XXXX XXXX for suppose to be sale price of XXXX with a trade in of XXXX, they got me approved through credit acceptance with an interest rate at highter percentage than they said! The dealer also said dont tell no one we have you XXXX for you XXXX only credit acceptance if they ask! On my paper work after I left they never even showed the XXXX for XXXX and the cost is XXXX! XXXX still paying and getting no where its XXXX  me! I contacted dealership and they said the sale was complete and explained but it was not!
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an inquiry on my credit report from XXXX XXXX, upon calling them I was told it was submitted by rocket mortgage. This was on XX/XX/XXXX. I did not see sooner because I had not checked my report until a week ago since I was applying for a lease buyout. I called Rocket mortgage on XX/XX/XXXX and after researching I was told they only keep recorded calls for 6 months. She pulled up the call log and said since it shows I talked to a rep for 13 minutes that was long enough for me to give consent to run my credit. I told her that I know I never gave anyone my consent to run my credit. So I guess since they no longer have the recorded call then I am faulted and basically called a liar. I realize this is way after the fact but this company should not be allowed to pull credit reports without consent. So I was told they could not have the inquiry removed from my credit report because I can not prove I didn't give my consent ... really? I just want this inquiry removed and for them not do this to anyone else. Thank-you
Product: Debt collection

After their first Levy was removed and before I had time to look into the Judgement against me, another levy, " execution '' dated XX/XX/XXXX was placed on my XXXX XXXX and another {$120.00} was deducted by the bank, now {$250.00} total. Im fortunate to have help from my dad to buy food, the fees really take a bite out of my life! After looking over the documents ( attached ), the judgement was entered on XX/XX/XXXX! Thats the date of my Mothers Passing ( death Cert attached ), I was in XXXX to help my dad from XX/XX/XXXX - XX/XX/XXXX while mom was in the hospital XX/XX/XXXX,. I was not in NY and I did Not receive and or were not served any summons to appear either in personal and or by mail and could not have checked the Validity of the debt in question and the SOL as well, I surely would have answered any summons had I been given the opportunity. I was unaware of any judgement against me from Sharinn Lipshie, XXXX XXXX as Assignee for XXXX XXXX XXXX until they placed the Levy against my account in XX/XX/XXXX ( docs attached ). Id like a reimbursement of at least 1 of the XXXX XXXX fees ( {$120.00} ) and have the Levy, Execution removed from my XXXX XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

You recently stated you did an investigation on information being accurate and just updated the information, but my dispute was about the UNLAWFUL VIOLATIONS THAT HAVE BEEN ALLOWED ON MY CREDIT! This is my last attempt before moving forward with my attorney on filing suit. This is to report the inaccuracies and violations that are on my report, which are grounds for IMMEDIATE DELETION! 
FINWISE OPPLOANS XXXX ) it is AGAINST THE LAW TO REPORT A CHARGE OFF MONTHLY VIOLATION OF 623-15 U.S.C 1681s-2 Duty to provide notice of delinquency of accounts ( No later than 90 days After the furnishing information, notify the agency of the date of delinquency on the account the month in the year. 
XXXX ) the IRS CONSIDERS a Charge off as GROSS OR ORDINARY INCOME, So why is this on the credit report? I have not received a 1099C.? Violation of 15 USC 1681 ACCURACY AND FAIRNESS 3 ) This company has failed To protect my information VIOLATION 15 USC 6801 PROTECTION OF NONPUBLIC INFORMATION 4 ) They are also reporting a past due amount that is higher than the highest balance that is also an accurate reporting, which is also a violation because according to the FCRA everything report, it needs to be 100 % accurate Which are also grounds for dilation 5 ) Another violation is this company is showing that payments were made and then theyre stating that no payments were made and that I owe the full amount of XXXX how is that so if payments were made? They are not reporting correct payments, that is also Not fair and in accurate, Which are also grounds for a deletion XXXX ) VIOLATION OF 15 USC 6802 OBLIGATION WITH RESPECT TO DISCLOSE PERSONAL INFORMATION, Which means in accuracy is also grounds for deletion 7 ) also, how can this information be accurately verified when my name is incorrectly spelled in the wrong address is on file, and Ive called on multiple occasions, trying to correct this. Ive also while mailing disputes have sent copies of my drivers license my name should B displayed on my credit report as it is on my drivers license not using a middle initial that is not my name my mother and I have the Exact same first name and if youre using a middle initial, we have the exact same middle initial so our information has been messed up in the past. This is also an accurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX  days and I have not received any investigation results. Please remove this ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with the 3 Credit bureaus for 5 years that a auto loan appearing on my credit report is not my information and it is also inaccurate reporting. 
Transunion credit bureau is also now reporting a inaccurate bankruptcy on my credit report that is not mines also it is not even appearing on my other 2 bureaus The 3 credit bureaus are refusing to delete these inaccurate items and they are also refusing to send me written verification that these accounts belong to me and I have requested it in writing for years The credit bureaus are damaging my reputation and also preventing me from buying a home for my kids because they are reporting innacurate fraudulent information I want them to delete these negative items immediately so that I can properly take care of my kids They refuse to take the items off
Product: Money transfer, virtual currency, or money service

I am writing regarding Zelle handling of dispute, particularly in light of the recent CFBP lawsuit, highlighted significant issues with the platform. Disputed using XXXX  numerous times and reported discrepancies my financial institution as a fail to investigate my claims adequately. They informed me that covering loss, funds with impossibility and that tracking these transactions were infeasible. Does CSPBS find it indicate that Zelle has not only neglect to protect consumers has also allowed repeated offenders to exploit the system leaving uses vulnerable to scams. The lack of accountability transparency is unacceptable and rising serious concerns about consumer safety.
Product: Student loan

I currently have XXXX  Loans held by XXXX University and serviced by UAS. For the past three years, UAS has been erroneously reporting a default status to the NSLDS. Upon logging into their website as a borrower, it showed {$0.00} due as a payment and the account as being in repayment and current. They had their website coded on the front end so that I would see the loan as current and zero payments due, while at the same time sending opposite information to the NSLDS on the back-end that the loan was in default. 

In summary, for a period of at least three years, UAS has been providing information to the borrower that stated the loan was in repayment, in good standing, and zero payment was due while at the same time, providing information to the NSLDS that the loan was in default, not in good standing, and past due. These damaging acts committed by UAS were confirmed and acknowledged in writing by XXXX University officials via emails that are attached to this complaint. 

In addition, they have XXXX University listed as the lender. However, XXXX University has stated that they are not the lender but rather, the federal government is the lender, and they are just the servicer. 

Furthermore, during this time, XXXX University and UAS had the option to voluntarily suspend interest and payments for XXXX Loans in alignment with the 0 % interest Covid-19 forbearance offered by the Department of Education . UAS and XXXX University chose not to do this and instead, UAS erroneously reported my loan as defaulted. In fact, as of today, it is still being reported as defaulted to the NSLDS because they have not updated their records yet since they will only do so at month-end.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair credit reporting act the list of accounts below has violated my federal protection consumers rights to privacy and confidentiality under 15 U.S.C 1681 : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX 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 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 furnish written instructions.

15 USC 1681 ( C ) ( a ) ( 5 ) section States no customer reporting agency may make any consumer reporting containing any of the following items of information any other advice item of information other than recording recordings of eviction convictions of crimes which the reporting by more than 7 years 15 U.S.C 1681 2 ( a ) ( 1 ) A person shall not furnish any information related to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is incorrect.
Product: Credit reporting or other personal consumer reports

upon reviewing my credit report i discovered instances late payments on my account i have lease from this company for almost 8 years never been late i do not have any late payments on my credit report name of company is is XXXX XXXX the first XXXX number is XXXX i request thorough investigation lateness of these payments i urge you to provide evidence such as lateness of these payments if unable to furnish such as proof i ask you would you please remove this from my credit report and let it reflect on my credit report immediately thank you for your time
Product: Debt collection

In XX/XX/XXXX, my husband and I applied and were approved for an RV loan through a local dealership. About 3 weeks later, my employer received an unemployment claim filed in my name. She responded to the claim that it was suspected fraud and I immediately notified PA Unemployment and filed a fraud report which resulted in the case being closed and no benefits issued. I have credit monitoring and put a fraud alert with all 3 bureaus as a precaution and after thoroughly checking all reports, did not see any suspicious activity. 

Today, XX/XX/XXXX I received a notification from XXXX XXXX that a collection account had been added to my XXXX report. After logging in, there is a collection for Convergent Outsourcing on behalf of XXXX for {$920.00}. I have never had, or applied for any XXXX accounts or services. This is a case of identity theft and I need the account removed from all credit reports. It is causing undue hardship on my credit, especially as my daughter is starting college in a few months and we may need to obtain financial assistance, such as loans for her education.
Product: Mortgage

My loan was originally with XXXX XXXX XXXX then transferred without my knowledge to greentree who did not honor my current modification I was under with XXXX so it started off bad me trying to get a new loan mod with them after two years being told I did n't qualify then they almost foreclosed on me until I hired a lawyer then Florida hardests hit paid almost {$12000.00} to my account to cover all past due fees and bring me current again now asked for a new payoff and see that Greentree has added an additional {$38000.00} to my loan amount and have called it corporate advances?? seriously my original mortgage is only XXXX now the total payoff is over {$80000.00} after we just put XXXX towards the account? I cant understand how this is legal to double my mortgage amount without my permission or consent? greentree did not honor XXXX original note or loan modification now it has already cost me over {$15000.00} in lawyers fees to save this home and clear my account and now they had added all this money to it. I need help with this matter this is no fair to me as a consumer and I wanted to transfer this loan from greentree to another lender and found this corporate advance amount added to my mortgage I need this cleared in order to proceed. Can you please help me with this matter.
Product: Credit reporting or other personal consumer reports

I took out a vehicle loan from XXXX XXXX XXXX XXXX  for a XXXX XXXX XXXX in XXXX of XXXX  and finished paying the loan in XXXX of XXXX. I remember at a point seeing that I was marked late for the final payment I made in person, which I reached out to the bank about. I was advised that it was an error and no payments were late. On my XXXX, the account is marked as PAID/CLOSED/NEVER LATE but when I check XXXX & TransUnion, I see that the same payment I complained about in XXXX  is still present on my report and calculated as a negative mark. Its confusing because I dont see it on all Bureaus and I was advised that I had no late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company, in conspiracy with XXXX XXXX XXXX, for over three years, continues to fraudulently and falsely report a collections account and defame my character, alleging that I owe an amount which was covered by insurance. I continue to suffer as a consumer from this fraudulent and false reporting. Please see attachments.
Product: Credit card or prepaid card

This is a continuation of the three previous complaints with updated information. The three previous complaints are : XXXX XXXX XXXX I did receive a call from Barclays card 's presidents office regarding this ongoing issue but they were unable to provide any timeline as to when this will be resolved. 

I received the attached update from XXXX XXXX, and indeed have verified, that due to the fraud perpetrated by Barclays Card against my credit my other trade lines are starting to retract some of their available credit to my otherwise stellar accounts. To date I have lost access to {$12000.00} of additional credit due to my credit dropping by XXXX points due to this fraud. This is causing me harm and needs to be resolved. Barclays inability, after 5 weeks to resolve this issue shows that they don't care and have no interest in resolving the fraud they have caused upon me.
Product: Student loan

Issue with Mohela loan servicer : I got a notice of deferment despite continuing education ( previous loans were for XXXX, I am now in XXXX XXXX  ), so I went to the government 's studentaid.gov site to check the interest rate and saw that interest had accrued. 

In response, I tried to log into my Mohela account so I could verify the details of my loans and check why interest had started accruing. I had my account information written down, so I used the credentials to log in but the site returned an error. I tried again with the log in credentials from the government 's student aid website but that didn't work either. I clicked " Forgot my User ID '' in case I'd incorrectly recorded my information, but when I entered my date of birth and social security number, Mohela 's website said they had no record of my having an account with them. I tried the same thing for " Forgot Password '' and got the same response. 

Because they said they had no record of my account, even though they sent me emails in the past with information about my loan services, I thought that maybe this was in response to their notice of transfer sent XX/XX/2024, so I tried to register with their site as a new user to see if I needed to create a new account to be able to access my loan information. When I did that, all I got was a vague message saying that an error had occurred and to come back later and try again. It did not identify the type of error or tell me what caused the error. 

I tried XXXX times to call the phone number listed in their emails to me, and XXXX more times at the other numbers listed on their site. Each time, I tried to select the option on the phone tree to talk to an agent or to customer service of any kind, and every time that I was redirected to a different department, it wouldn't actually take me to the department but instead start me over at the beginning of the call 's phone tree. I was never able to connect to a real human. After trying XXXX times with the same outcome every time I gave up on the phone actually reaching a live agent. 

I searched up the issues I was having online, and many people said they were having the same or similar issues. A few people recommended trying a different browser, so I did the same. I switched browsers and repeated the steps listed in my second paragraph trying to log in, and continued to get the same error messages. 

How am I supposed to manage my loans if I can't even log in to the servicer 's site, and get no help from their support team? Clearly they know I have loans with them and they have my email address, or else they couldn't continue to contact me about them. It seems like their system is intentionally set up to make me miss out on communications and payments.
Product: Credit reporting or other personal consumer reports

XXXX requesting for all student loan to be removed from my credit report per XXXX XXXX XXXX ( g ) XXXX XXXX XXXX ( a ) ( XXXX CFR XXXX ) and The Private Act Of 1974 ( XXXX )
Product: Debt collection

On XX/XX/year>XXXX  to Radius Global Solutions LLC, Acct # XXXX, I've requested the Cease and Desist actions of all communications with me regarding the debt referenced in correspondence letter. According to 15 USC 1692 ( c ) ( c ) of the FDCPA Fair Debt Collections Practicing Act, I am entitled to request that you stop contacting me about this matter. Please be advised that I do not wish to receive any further communications from you or your agency. If you continue to contact me, I will consider it a violation of the FDCPA and take they appropriate legal action. 
I appreciate your prompt attention to this matter. Please confirm in writing that you have received this request and will comply accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine, and I ask you to remove immediately this item from my profile as I can not have the item that is not mine. I am victim of identity theft and I do not want to have it. Its killing my profile and why do I need to suffer because of the fraud?
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway ( XXXX XXXX XXXX - {$2600.00} ) ( XXXX XXXX XXXX - {$1500.00} ) ( XXXX XXXX XXXX - {$780.00} )
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX IS REPORTING AN ACCOUNT AND BALANCE THAT DO NOT BELONG TO ME SENT REMOVAL LETTER AND MORE MULTIPEL TIMES
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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  has violated my rights . 


I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Debt collection

I, XXXX XXXX am a federally protected consumer pursuant to 15 usc 1692A ( 3 ) which states that the term consumer means any natural person obligated or allegedly obligated to pay any debt. 
I, XXXX XXXX entered into a consumer credit transactions with Capital One Auto Finance on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines finance charge as the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance, but Capital One Auto Finance made me purchase insurance separately.
Product: Credit reporting or other personal consumer reports

" List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my XXXX credit report on ( XX/XX/2025 ) and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 usc 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Tr
eatment of Inaccurate or unverifiable information. 
( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the result of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 they are supposed to 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.