23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Bought a truck from a dealer. Dealer let me know it went through their service department. TRANSMISSION- issue MOTOR- cylinder # 6 Is coded All is misfiring. 
Metal shaving on top of cylinders under spark plugs. 
TRUCK didnt STOP going down. Called company 3 days after driving truck. Bought warranty. Difficult to get warrenty to come engine and transmission due to time of new warranty. Company refused to take back truck unless I buy another truck. I am being held hostage to purchase something that I have no trust in. My credit score is down XXXX points and was denied a loan. I want to give this truck back and the loan forgiven.
Product: Debt collection

They call using a different number sometimes.they call everyday sometimes 3-4 times a day. I asked them to stop with repeated calls .they said they are in their right by law to make repeated calls til debt is collected.I asked if I submitted a letter to cease the constant calls would they then stop. I was told yes but then I would be sued immediately. I told them what hours my kids go to bed to please refrain from calling past XXXX if they felt they must call and if I had to tolerate the constant calling to keep from being called. I was informed they were in compliance with the law they could call me anytime they wish between XXXX and XXXX, I have a few bills on my self and my husband and could receive calls on each separate account that it was legal to do so.my daughter used my address so I now receive calls on her. I told them she does not live here. I was informed til they had a working number and proof of her address I would be receiving those calls.my daughter was homeless at the time bouncing from home to home giving my home number was for emergency contact only not for billing calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Transunion are reporting inquires I do not recognize. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX  : XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX ( x2 ) XXXX : XXXX XXXX XXXX XXXX XXXX ( x3 ) XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX ( x2 ) XXXX XXXX XXXX
Product: Mortgage

Hello, I am hoping you can help myself and my Husband. 
I was looking on line for assistance with homeowners in distress. Came across your e-mail on line. 
XXXX XXXX Illinois Attorney General Homeowner web site. 
I live in Illinois XXXX county .I have been layed off my job at XXXX.I paid the mortgage. I Called Bank of America for assistance with a modification. Was told to fax same info several times. Lots of miscommunication and frustrating conversations. I have a point of contact XXXX XXXX I was told I did not qualify for any assistance except short sale. I want to keep my home. We raised our children here and love our home. Finally after addition phone calls and basically begging the info was resubmitted to underwriting and came back with a offer of a higher payment and higher interest rate. I appealed which is in appeals now. Appeals said it is up to XXXX to find a program for us and XXXX says it is Appeals. Currently I am current with my mortgage will be behind by the end of the month. I am unemployed on unemployment and my Husband works. he pays living expense 's and loans ect.. Our house is underwater. We owe more than it is worth XXXX XXXX has our mortgage. I was told only help could be if we were several months behind. We are trying to avoid that disaster with a principle reduction. Can you please help or direct me to the right place? What can I do? National Mortgage Settlement, PRA.I was told B.O.A would not do that XXXX. cant do Harp because of 2009 before time line. My B.O.A account number is .... 
Sincerely
Product: Mortgage

I signed on XX/XX/XXXX with him to buy a house that i had fell in love with. He said usda loan, 0 % down and very little out of pocket. For the next 3 weeks i couldn't get in contact with him or his lending partners. When i finally got ahold of him they were rushing to get the paperwork and everything so they could get started. I paid XXXX for inspection and XXXX for appraisal. I had XXXX ready to insure it. XXXX called my insurance agency without asking me and had my deductible raised from {$1000.00} to {$7500.00}, he also told me he was buying my rate down for an extra $ XXXX- {$400.00} which ended up being XXXX. He had me locked in at almost 5 % interest on the loan. So when it was all said and done i needed {$4800.00} at closing and my sellers {$2500.00}. We went through 5 different closing dates on a 30 day closing. The whole process was lies and seemed to be a scam of some sorts. Now I'm out the {$800.00} i put up and they managed to run my credit 3 times and drop my score significantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing regarding accounts that are fraudulently, and inaccurately reporting on my credit report. I have disputed these accounts multiple times. I dont own a car loan or account with a company by the name ( XXXX XXXX XXXX  ) I also have proof of the XXXX XXXX XXXX XXXX  payment never being late ill include documents I. my complaint. XXXX XXXX  XXXX is also fraudulently reporting information. 
( XXXX XXXX ) stated that I have had any XXXX payments but it shows late on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute to XXXX XXXX at XXXX. Clearly indicating that I was disputing information that I had not disputed in the past. As of XX/XX/XXXX I have received no response and the incorrect information is still on my credit reports. 

There is a 30 day late payment showing on my XXXX Credit Report for XX/XX/XXXX, and a 60 day late payment showing on my XXXX Credit Report for XX/XX/XXXX. So according the my credit report if I was 60 days late in XX/XX/XXXX then the date of first default would be XX/XX/XXXX. 

I was not late in XX/XX/XXXX and I sent XXXXXXXX XXXX my dispute including copies of canceled checks showing my payments from XX/XX/XXXX - XX/XX/XXXX. The account was paid in full in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are the following accounts that are on my credit report without me knowing 1. XXXX XXXX. DATE OPENED XX/XX/XXXX {$1000.00} 2. XXXX XXXX XXXX  date XX/XX/XXXX {$6000.00} 3. sunrise credit service date XX/XX/XXXX {$230.00} 4.XXXX XXXX XXXX XX/XX/XXXX {$0.00} 5.XXXX  XX/XX/XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Subject : Urgent : Compliance Request Regarding Protection of Nonpublic Personal Information XXXX XXXX XXXX [ Email Address : XXXX ] Dear, Midland Credit Management XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I trust this letter finds you well. My name is XXXX XXXX XXXX and I am writing to you as a concerned consumer in light of the regulations outlined in U.S. Code Title 15, Chapter 94, Subchapter IDisclosure of Nonpublic Personal Information. 

As per 6801 ( a ), it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information. Furthermore, 6801 ( b ) mandates that relevant agencies establish standards for financial institutions to ensure the security and confidentiality of customer records and information.

In this context, I kindly request that your company fully complies with the aforementioned regulations, particularly those stated in 6802 ( a ) and ( b ). These sections emphasize the notice requirements and opt-out provisions, which are crucial for safeguarding consumers ' nonpublic personal information.

I also draw your attention to 6803, which requires financial institutions to provide clear and conspicuous disclosures of their policies and practices regarding the disclosure of nonpublic personal information to consumers. I urge your company to adhere to these disclosure requirements promptly.

Ensuring compliance with these regulations is not only a legal obligation but also a vital step in building and maintaining trust with consumers. I appreciate your attention to this matter and request that you provide confirmation of your company 's compliance at your earliest convenience.

Thank you for your prompt and diligent attention to this important consumer protection matter. 

Sincerely, XXXX XXXX XXXX Email : XXXX XXXX
Product: Debt collection

XX/XX/XXXX, XXXX Debt Settled in a lawsuit by attorney XXXX XXXX XXXX with XXXX XXXX on behalf of XXXX  XXXX XXXX XXXX in the amount of {$750.00} ( original amount $ XXXX- cancelled check available ) XX/XX/XXXX - XXXX removed/deleted their entry of {$1100.00} from all credit reporting agencies as this debt was satisfied. ( Email available ) XX/XX/XXXX, I refinance my home only to receive a higher interest due to the fact that Ability Recovery Services , LLC ( ARS ) has added this debt of {$1100.00} back to my XXXX Credit report. 

XX/XX/XXXX, I applied for an loan as was denied the original amount request and informed that I needed to include the collection debt of {$1100.00}. 

I have been disputing this debt on and off since XX/XX/XXXX to current. 

XX/XX/XXXX I contacted XXXX  XXXX XXXX XXXX who informed that XXXX XXXX is their collection agency. I was referred to this collection agency as the debt was closed in XXXX XXXX XXXX XXXX and that they actual showed I was due a refund for overpayment. 

XX/XX/XXXX XXXX XXXX representative for XXXX XXXX  informed me that the debt was settled and that notification was to Ability Recovery Services. ( Group # available ) XX/XX/XXXX XXXX XXXX XXXX has failed to comply and has now added this collection debt of {$1100.00} to my XXXX Credit File in addition to updating it on XXXX. 

I am seeking the maximum amount in punitive damages of {$1000.00} per section 616 of the FCRA for this collection aggressive measure to collect on a debt not owed and continues to ruin my credit worthiness. 

I have emails, cancelled checks and legal supporting documentation to support my claim.
Product: Credit reporting or other personal consumer reports

I am formally disputing the inaccurate reporting of a XXXX XXXX XXXX on my Experian credit file. This information is incorrect, unverifiable, and improperly listed, violating the Fair Credit Reporting Act ( FCRA ). 
Disputed Information : Case Number : XXXX Court Reporting the Case : XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) Report Number : XXXX Date Generated : XX/XX/2025 Experians Invalid Verification & Additional Evidence : I previously disputed this bankruptcy under Experian Report Number XXXX, and Experian claimed verification using the following source : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, this verification is fraudulent because : XXXX. Federal courts do not report consumer bankruptcies to credit bureaus. XXXX XXXX XXXX XXXX does not disclose consumer information to Experian, XXXX, or XXXX, making this an invalid data source under the FCRA. 
XXXX. Cross-referencing Case # XXXX on PACER shows no bankruptcy filing under my name. Since Experian has no court-verified evidence to support this bankruptcy claim, the listing is factually inaccurate and must be removed immediately. 
XXXX. XXXX does not contain a bankruptcy record for me. If Experian is relying on third-party vendors like XXXX instead of official court verification, it is violating FCRA ( 15 U.S.C. 1681e ( b ) ), which mandates the accuracy of consumer data. 
XXXX. This constitutes willful negligence under the FCRA. Reporting a nonexistent bankruptcy despite my prior dispute and PACER verification is a blatant violation of FCRA 1681n, exposing Experian to legal liability. 
CFPB Lawsuit Confirms Experians Failure to Properly Investigate Disputes Additionally, the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Experian for unlawfully failing to properly investigate consumer disputes, violating FCRA provisions. The CFPB alleges that Experian routinely conducts sham investigations, fails to properly intake and process disputes, and uncritically accepts incorrect responses from furnishers, even when the information is clearly incorrect or illogical. 
This means that my XXXX XXXX  dispute is likely part of Experians ongoing pattern of negligence, which is already under investigation by the federal government. This further strengthens my claim that Experian has failed to conduct a legally compliant reinvestigation of my dispute, as required by FCRA 1681i ( a ) ( 1 ). 
Demand for Resolution : Immediately delete the inaccurate Chapter XXXX bankruptcy ( Case # XXXX ) from my Experian credit file. 
Provide written confirmation of this deletion within the XXXX XXXX dispute resolution period. 
If Experian fails to comply, I will escalate this dispute by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office and will pursue legal action for willful negligence under FCRA 1681n. 
I expect a written response confirming the resolution of this dispute. 
Sincerely, XXXX XXXX
Product: Student loan

I have been making my payments to UAS ( University Accounting Service ) regularly for several months now. I recently change banks. So when I went to make my most recent payment, I deleted the old bank account and added the new account. It was approved. But now UAS is charging me a {$20.00} fee saying they can not process the payment because there was no account attached. THEY APPROVED the new account!
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 Account XXXX Account name : XXXX Account XXXX Account name : XXXX  Account XXXX has violated my rights. Or list of inquiries 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: Prepaid card

Originally bought the gift card on XX/XX/year> of this year. I tried to use it on XXXX but it didnt work. The following day I attempted to buy an XXXX gift card at XXXX and it also didnt work. I had to file a complaint for the card. It took about 43 days for it to be resolved. It was resolved yesterday and I tried to use it today and the card still didnt work.
Product: Credit reporting or other personal consumer reports

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : XXXXXXXX XXXX DATE : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXXXXXX DATE : XX/XX/XXXXXXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) DATEXXXX XXXX  XXXX : XXXX XXXX XXXX : XXXX XXXX of XXXX Date : XX/XX/XXXX XXXX XXXXXXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Resident Verify Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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

XXXX XXXX, XXXX : XXXX, XXXX XXXX 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 XXXX 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 of a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent Charge-off appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I received a text message from XXXX ( i later learned this was a spoofed number from the XXXX XXXX app ) asking if a authorized a XXXX transfer to a XXXX XXXX. I texted back no and immediately received a call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX phone number ) from someone claiming to be part of their fraud protection department. They told me in order to lock the person who had my info oit of my account I needed to XXXX myself the money in my account. They talked me step by step into enrolling into a XXXX account ( using their bank info ) with my email address and had me XXXX the money in my checking account to myself by entering my email into the recipient line.. the recipient was actually linked to their bank info. Once the transaction was complete they hung up. I never was able to recover my money because my bank said I needed to contact XXXX and XXXX said I willingly sent this money.