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

In the process of me moving i lost personal documents amongst other things in end of 2019 due to the current pandemic a lot of things i was forced to leave behind i lost all my Socials i.d Birth Certifiates in that process i put in an order online due for new i.d socials and birth certificates due to offices being closed and to renew my adress for social securtity to send out new everything they sent them all to my old adress listed even though i updated my current adress the mail box to my old adress had been broken into also so any one could have gotten a hold of my information and i dont understand how this mistake can be made i didnt really know much about credit until i received those letters in the mail and decided to actually check my credit and i have multiple inquiries from unauthorized credit users trying to receive an auto loan in my name to know someone was able to actually obtain an auto loan in my name is completely discouraging and i am baffled by this new found information Now i am left to deal with a car loan on my credit report that isn't mine So im not sure if this information possibly belongs to someone else but it is completely not mine at and I've tried everything i could possible to get this inaccurate information removed
Product: Credit card or prepaid card

I had a quicksilver credit card with Cap one credit card that was closed a long time ago, just paid off on XXXX XXXX, XXXX, they charged me interest fees on thst XXXX fir XXXX, one month late charge XXXX for one day late, next month one day late XXXX, charged me XXXX on the XXXX it is ridiculous
Product: Credit reporting or other personal consumer reports

To my disbelief, I found inaccurate accounts on my credit report this morning, and Im at a loss as to why this happened. I review my credit report regularly, but this time, I was shocked to see discrepancies that seemed to have appeared out of nowhere. I even tried refreshing my browser, thinking it might be a mistake, but the incorrect accounts stayed on my report. Given this unsettling issue, Im requesting that the documents Ive submitted be thoroughly examined to ensure this never troubles me again.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and Social Security Number : XXXX, and Date of Birth : XX/XX/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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists credit card opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, revolving accounts opened at XXXX XXXX on XX/XX/XXXX, XXXX XXXX  XXXX opened on XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX opened XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX opened on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX opened on XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXXXX opened on XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX opened on XX/XX/XXXX, and XXXX XXXXXXXX XXXX XXXXXXXX opened on XX/XX/XXXX XXXX XXXX.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I faxed XXXX XXXX Consumer Credit Specialist Department a letter requesting account # XXXX to be removed/blocked from my credit report ( attached are the copies of the letter I faxed, NOTARIZED FTC AFFIDAVIT and POLICE REPORT ). This account is opened fraudulently. I am a victim of IDENTITY THEFT. I told them when I applied for a XXXX  account in one of your XXXX store, the lady who helped me whom I provide my drivers license and CITI credit card informed me that my application was declined. I never receive a card, I never activated a card and I never use any credit card from XXXX. I did not receive any letter/ response from XXXX . To  make matters worse, I disputed this account with the credit bureaus and they are claiming that XXXX  VERIFIED the account details as CORRECT and ACCURATE. 
I called XXXX  today XX/XX/XXXX, and like ALWAYS, I GET TO BE PASSED AROUND. I reached customer service who said they do not have complete access so they Transfer me to XXXX XXXX. - XXXX from XXXX  recovery group said : XXXX received the faxed docs. Said that XX/XX/XXXX they started working on the fraud case, no updates yet, and may take up to 30 days to update. Requested to be transferred to Fraud.
Rep from Fraud said it may take 30-90 days, could be more could be less. Said they cant do anything about it right now. Rep also wants to transfer me back to recovery saying that the recovery group should be the one that has full access to the account. I reiterated FCRA 605B, saying that fraud accounts MUST be removed within/NOT LATER THAN 4 DAYS upon receipt of the Notarized FTC affidavit and police report. But they said the investigation team is already on it and no results yet. They definitely received the documents needed to remove this fraudulent account and DEFINITELY MORE THAN 4 DAYS have passed. This is a violation of the FCRA and this company is robbing me of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  XXXX XXXX ) XXXX XXXX  XXXX XXXX  XXXX
Product: Checking or savings account

XXXX XXXX have reported this account to my credit report and it violates my rights to privacy usc 1681 says a consumer has a right to privacy, USC 1681b SAYS THAT A CONSUMER REPORTING AGENCY CAN ONLY FURNISH IN ACCORDANCE WITH THE WRITTEN PERMISSION FROM THE CONSUMER.That being stated this violates FCRA laws and consumer rights so I request CFPB to remove this account and block it from reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted various disputes to the three bureaus Transunion, XXXX, and XXXX. My first letter was sent out XX/XX/XXXX and received by each bureau around XX/XX/XXXX and XX/XX/XXXX. The accounts being disputed are XXXX XXXX, XXXX XXXX, and XXXX for error and inaccuracy. 

XXXX XXXX : Transunion : Balance- {$3000.00} Closed- XX/XX/XXXX XXXX : Balance- {$3000.00} Closed- XX/XX/XXXX XXXX : Balance {$3000.00} Closed- XX/XX/XXXX XXXX : Transunion : Closed Account XXXX XXXX Closed Account XXXX : Open Account XXXX XXXX : Transunion : Closed- XX/XX/XXXX XXXX : Closed- XX/XX/XXXX XXXX : Closed- XX/XX/XXXX Due to 15 US Code 1681i 5 ( A ) ( i ), after reinvestigation of any disputed information from a consumer found inaccurate or can not be verified shall promptly be deleted.
Product: Student loan

I am a former student of XXXX and was forced to take out student loans through XXXX XXXX. I recently reviewed a new article alarming students to contact you and file a complaint if they became a victim.
Product: Debt collection

Resurgent capital serviced lp XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

Resurgent capital serviced lp 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, credit repair services, or other personal consumer reports

This is a formal complaint that XXXX XXXX XXXX XXXX is reporting inaccurate and incomplete credit information. 


I would like to state that XXXX XXXX XXXX XXXX is in violation of 15 USC 1666 b which states that a creditor can not report late payment to any consumer reporting agency. XXXX XXXX XXXX XXXX has been paid in full, I am demanding that XXXX & XXXX update TransUnion and advise them to report on time for the months of XXXX XXXX XXXX XXXX 


Thank you.
Product: Credit reporting or other personal consumer reports

This letter is to request an update on my personal information. As there is incorrect items. Please remove XXXX XXXX XXXX XXXX XXXXXXXX as work. In addition my name should be only written as XXXX XXXX XXXX. Please remove all different types other than the one state above. Thank you!!
Product: Debt collection

My information was breached Im a data base. These accounts are fraudulent and I have no knowledge of them and they should be removed
Product: Consumer Loan

I have had a 10+ year realationship with WELLS FARGO. I also in the past have taken out Unsecured Personal Loans and had no issue with approval. Actually, the last time I applied I was approved in under 20 minutes. 

This time however, I put my roommate on the loan who has bad credit. I was told that the leading applicant who makes the most money ( me ) would be the primary on the loan and that there should be no problem in applying. 

They declined my loan because my co applicant has bad credit. HOWEVER, I was told that he should not have an effect on this loan other than being able to build credit by being a co applicant. 

My issue is this- How the XXXX can I apply for a loan and no one calls me to follow up and tell me WHY I got declined. Provide me with NO NUMBER to call in and find out more information. No link to see reasons of a decline. Nothing but a pointless hit on my credit and my co applicants, who clearly has bad credit so why not hurt it more by applying. 

Wells Fargo is nothing but a bunch of rich XXXX who give XXXX wages to their emplyoees and rip people off. How is a RELATIONSHIP lender not going to loan me money at the MINIMUM amount when I have over 9k+ in savings and a credit score over XXXX. 

They need to be fined for more than chump change. They need to change their processes. If you really are the CFPB DO something rather than give a tiny fine and then take the money to your own pockets. 


Feel free to look up my loan Unsecured : XXXX - 36 MONTHS 8.747 % - {$95.00} a month XXXX XXXX one of the managers of lending needs to be fired.
Product: Debt collection

Of counsel represented me in determining that this debt was invalid and not issued to me however the entity that owns the debt continues to post the account to my credit report even though this has been resolved through litigation.
Product: Debt collection

The date was XX/XX/24 and they try to call me from a fake number but they never give me any details or emails or letters and they try to threaten me with their tactics as this company use unethical practices and Im working with a credit counselor as well to restore my credit and pay off my debt. They are called Consumer Debt Counselors
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a line of credit with a local department store and was denied. After being denied I pulled a copy of my credit report to see what was on it found several account that need to be removed because they are not mine. The accounts are XXXX, XXXX XXXX XXXX, XXXX. XXXX, XXXX, and one with just an account number and no name, acct # XXXX. There are also numerous inquiries as well : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX  XXXX  XXXX  XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 states : A consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I was with citi bank they closed my account but I had XXXX XXXX dollar I tried reaching out to them I called them I went to the branch I still havent received a check in the mail or anything I jus need help getting my money out before I become homeless next month
Product: Credit reporting

I have payed my ( on time ) mortgage for my home since XX/XX/XXXX, XX/XX/XXXX, I payed off my car in a year ( at my XXXX ) and payed down my credit card with a VA refinance loan. I applied for a XXXX at my credit Union and found to my credit score was XXXX. So, I ask for the report, they ca n't give it to me. I apply for my report online and I ca n't see my report, but these " things '' ( lies ) disparaging discrepancies are being held against me, I even applied for a XXXX card and was denied because of incorrect trade-line information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Closed account reporting erroneous derogatory information on my credit file. 

Creditor : XXXX Closed : XX/XX/XXXX ( Paid in Full ) Compliant : XXXX has been reporting late payments to Credit Bureau on the closed account as if it is still an open/active account. 60-day late have been reported in XXXX of XXXX. 

Disputed with the XXXX, and have not been able to get resolved. 
Contacted creditor no resolution Spoke with XXXX customer service Manager with XXXX, still waiting on a return phone call to provide the information that is being updated and removed.
Product: Money transfer, virtual currency, or money service

This was happened approximately XXXX XXXX XXXX XXXX ago maybe even longer I was buying stuff from XXXX and another company called XXXX I had got mad because they were sending me The wrong items that I was purchased. So I canceled all my orders and return all the merchandise. I never got any of the money back was just about {$700.00} or {$800.00} I can't remember the exact amount. As all the companies had their returns successfully delivered I never got any of my money back from direct Express for the refunds that I reported I believe. I had changed my direct express card in the last 15 years probably 9 times and was charged for it. I don't like how they treated me and the handling of my money.
Product: Credit reporting or other personal consumer reports

Subject : Debt Validation Request Pursuant to FDCPA, 15 U.S. Code 1692g To Whom It May Concern, Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, that a validation is requested.

I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number ( s ) : Account Number : XXXX Please provide me with the following : Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
The agreement bearing my wet signature stating that I have agreed to assume the debt. 
Valid copies of the debt agreement stating the amount of the debt and interest charges.

Proof that the Statute of Limitations in Tennessee has not expired.

Complete payment history on this account along with an accounting of all additional charges being assessed.

Proof that you are licensed to collect in my state.

Your license numbers and Registered Agent or Agent of Service.

Additionally, in accordance with 31 U.S. Code 3123 and 18 U.S. Code 8, I request verification that this debt falls under the category of an " obligation or other security of the United States. '' These statutes define the terms and conditions under which a debt is considered an enforceable obligation. Compliance with these statutes is necessary to validate your claim. 
This will also serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ) to cease all communication with me concerning the alleged debt referenced above. Do not contact me, members of my family, employers, or any other third parties regarding this debt. 
This includes all communication by telephone or electronic communications, such as email or texts made by your company, representatives, or agents. If your offices, representatives, or agents attempt communication with me, members of my family, employers, or any other third parties, it will be considered harassment and I will bring this matter before a judge. 
All future communications with me MUST be done in writing via USPS and sent to the address noted in this letter.

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
If you are unable to validate the debt, I request that the account be deleted from my consumer report immediately. 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

In the past, Zelle has had transactions unauthorized by me without my knowledge and has done little to nothing to help me dispute the charge. Claiming I was solely at fault and I authorized the charge. In light of the recent of the CFPB lawsuit, I felt that I would finally get my claims adequately investigated and I would be reimbursed. I continue to use Zelle because it is an amazing platform, but the constant fear of scam without proper investigation has me worried. What CFPB found within the Zelle platform is astonishing. Loyal customers being fraudulently scammed out of their money and leading to distrust in their system really does damage to all parties involved.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX Inquiry XXXX XXXX XXXX XXXXXXXX XXXX
Product: Vehicle loan or lease

Prestige Financial Services Administration wants {$17000.00} for a XXXX XXXX XXXX  XXXX and dealerships and car buyers are offering less as car value has decreased with XXXX miles and year. 
Vehicle is in excellent condition. 
Also, the interest rate of 17 % is keeping balance balance at a freeze and instead of balance going down it keeps going up each month. 
I requested a settlement payoff and Prestige Financial Services Administration wants {$17000.00} in which XXXX XXXX and XXXX XXXX value is at around {$6.00} to $ XXXX. 
Nobody is going to pay $ XXXX for this car. 
I am trying to sell car so l don't have no more car payments as l am respectfully XXXX XXXX and Retired. 
I can't afford the payments of {$440.00} or $ XXXX.and paying a high interest rate of 17 % since XX/XX/XXXX till Present. 
Prestige Financial Services Administration interest rate program in me giving my bank checking account ACH is not permissible. 
Since XX/XX/XXXX, Prestige reps stated to get a low interest rates l need to have a ACH bank account and program and have payments taken out of my checking account each month. 
{$17000.00} and Prestige stated they will do legal actions and repossession if l don't pay the car payments each month. 
I am forced to make payments and have a high interest rate. 
Dealership and Consumer will buy vehicle around {$6.00} to $ XXXX depending on the value of the car.
Product: Debt collection

XXXX XXXX XXXX attempting to collect a debt on behalf of XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, XXXX XXXX. This company seems to want to collect money that isn't due. The lease was terminated on XX/XX/2021. Prorated rent due was {$870.00} which was submitted. This company is attempting to collect {$1500.00}.
Product: Vehicle loan or lease

My husband & I purchased a vehicle through Prestige Financial. We were told that our interest rate would decrease as we paid the payment on time. Never once did we see a decrease. Once my health declined the note would be paid, but sometimes late. Prestige would call everyone listed on our account as a reference & tell them that our car is being repossessed! An absolute lie! They have contacted my landlord whom is NOT & NEVER has been listed as a reference! These people harasses & threaten customers to no end! This is uncouth & subject customers to become the object of ridicule! I have attached a few similar complaints from different customers. This company is referred to people going through hard times. These people only make life situations worse. They belittle customers & talk down upon them. Every customer service representative including the manger, has been extremely rude. This needs to be investigated & put to a stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please view attachment below Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports. The LAW CLEARLY STATES : ( A ) In general Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you permission to furnish this account on my credit report? 
Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states ( A ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does not include - ( A ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report