23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

Very high interest. 
Title loan Around XXXX 
First started at XXXX XXXX XXXX XXXX then they closed and account went to XXXX XXXX
Product: Credit reporting or other personal consumer reports

the XXXX XXXX XXXX XXXX  was placed in forbearance for 12 months with no payments and no interest. this was beginning XX/XX/XXXX until XX/XX/XXXX this was due to medical issues and my inability to pay the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX 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
Product: Credit reporting or other personal consumer reports

My information was sold and brought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I have a chase account. They are not issuing me checks. I spent hours over the phone. I contacted their executive office but the issue is not resolved. I still do have received my checks.
Product: Credit card

Credit card company calls me 20+ times a day, sometimes 7 times an hour and they are harassing me.
Product: Vehicle loan or lease

I was not aware of all these other companies running my credit for a car loan when I gave one person to run my credit now all these inquiries are on my credit report that I did not approve of and it is hard to get in contact with them.
Product: Debt collection

Credence Resource Management LLC purchased an expired debt that I was no longer liable for. This debt had been removed from all of my credit reports it was expired and time barred. 
They did not contact me before placing negative info on my credit report to give me a chance to verify this debt. 

They re-aged the debt claiming it was a new account and the last payment was in XXXX 2016. Federal Law prohibits cell phone companies to sue after 2 years, they sent the info to XXXX and it caused my credit score to drop XXXX points. I have since disputed and XXXX gave me a favorable decision and deleted the negative information. 

This practice of parking and re-aging a debt is illegal, especially with out first trying to contact me.
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. 


TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, XXXX XXXX TransUnion credit report on XX/XX/year> 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: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Vehicle loan or lease

Regarding my account with XXXX XXXX for a lease on the XXXX XXXX XXXX. 

XXXX XXXX added sales tax to my monthly payment in error. In the state of Iowa, you pay the sales tax for the year when you register the vehicle. They mistakenly, retroactively added sales tax to my monthly payment amount with out notifying me. I did not realize this until I logged into my account online and noticed they were claiming I was behind on my monthly payments. My monthly payments were taken automatically out of my checking account. 
I asked the rep two questions : 1 ) Why was the auto payment not adjusted accordingly so it at least did not appear I was late on my payments. They said there was a glitch in the system and it should have adjusted.
2 ) Why was I not notified of a change to my monthly payment amount so I could dispute it. No explanation could be provided. 
I was told on this call that they would confirm the vehicle was in fact registered in Iowa and would issue me a credit on my account. The credit was issued at a later date. 
I asked them if they would also correct my credit as they reported me late to the credit bureaus. I was told this would be done, but I see it has not as it still shows I paid 30-60 days late. 

I would like this reflected accurately on my credit report as I never made a late payment to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I was unable to open a bank account due to the permanent freeze Experian has placed on my credit. 

A few months ago I ask them to remove the freeze permanently, but apparently it was for only 30 days. 

Although I appreciate the protection, I can not log onto account or reach them by phone ever.
Product: Credit card or prepaid card

I was offered care credit while at a dentist office for a procedure. At the time of the procedure the receptionist came to me while I was in the dentist chair and told me that I could apply for a credit card that would help me pay for the dental services that my current health insurance would not cover. I was not offered any information regarding the process of care credit, interest rate etc. I signed up online and would pay each month. Then out of nowhere without any notices I started receiving fees on top of fees with outrages amounts. I contacted the company and they told me it was nothing that could do. My monthly payments increased and an outrage interest was processed onto the account along with fees. It has been a few years since Ive opened this account. The account was then closed without any papers received from the company. They did not make me aware even though I was still making payments. I am now in debt with the company and I am still making payments on the closed account. The company has charged off the account and Im still making payments in full. I do not know what to do about this because I am paying way more money than what I initially agreed to. Ive done my research since this has happened and see it has happened to so many others. Care credit is deceitful and a scam of a company.
Product: Debt collection

XXXX XXXX XXXX XXXX inadequate security measures led to my data being stolen from them. You can see details regarding this at their own website : https : XXXX  They have reported my debt to all XXXX major credit bureaus.
Product: Debt or credit management

Lexington law had class action suit for charging people money to repair credit and not doing so. i paid them for one year and called them and thy said i am not apart of it. my question is why cause my credit was never fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( XXXX ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( XXXX ). Please be advised that under Section 611 ( a ) ( XXXX ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA.

Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( XXXX ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$460.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00}, and XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Trans Union and XXXX are reporting an account with misleading information. After I reviewed my credit report online these three bureau have two accounts named ( XXXX ) and ( XXXX XXXX ) that is reporting false information. XXXX is reporting this as an installment loan and I never applied for an installment loan with this company. Underneath is the account information off my credit report from three bureaus.Trans Union and XXXX is reporting a different account type for XXXX. The account named ( XXXX XXXX ) is reporting different account types on my reports. Please delete ( XXXX ) and ( XXXX XXXX ) from all my credit reports immediately. 

XXXX XXXX. Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened onXX/XX/XXXXwith a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company- Chystler Capital XXXX-late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code & 1681a- Definition ; rules of construction ] U.S. Code ] US Law ] LII / Legal Information Institute 15 U.S Code & 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 } Prohibition ( A ) Reporting information with actualknowledge of errors 15 USC & 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report ' does not include- ( A ) subject to section 1681-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.Please see and review the attached file for what I am complaining about. Initiate immediate actions for this. thanks
Product: Debt collection

Date XX/XX/XXXX, American car center did thousands of people wrong. Customers employees. There are so many people trying to seek help. This business Westlake portfolio apparently took over debt from a car place. We were never notified. I reached out to the XXXX  to contact them. They refuse to provide any further information/assistances about me needing to pay them thousands of dollars. Which I do not owe. I had ONE payment left on one vehicle I purchased from them in XXXX, and they tried to charge me XXXXXXXX XXXX more than what I owed. They towed my vehicle while I was at XXXX. I have my lease agreement from the car place American car center. They are breaking all the rules I agreed too. I want answers. They just took my car.
Product: Money transfer, virtual currency, or money service

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

Since XXXX, I have credit card debt via a Bank of America XXXX that I took out while investing in a business and needing a couple XXXX to get it running. 

For years I paid the minimum or the interest charge, since it's all I could afford at the time. 

Finally just recently on XX/XX/XXXX, I had saved enough to pay off the entire {$3600.00} balance. Over those 5 years while the account was open, I ( XXXX ) paid {$7000.00} in interest and fees on a few XXXX dollar loan so I was extremely relieved to finally close this account out. Every month, I had automatic monthly payment via my Bank of America checking account, and for years I paid {$150.00}. Every single moth. 

To my utmost shock and surprise, I was then again charged on XX/XX/XXXX ANOTHER interest payment despite closing out my account and be reassured that I was done. 

When I called, I was given the run around. At first I was angry, considering this is XXXX and I'm disappointed their systems don't talk to each other. If a customer closes a credit card via the bank, it should shut it completely down? Why did I have to discover this on my own? What if I hadn't caught this and it slipped by for more months, and even years? Why did I have to spend an hour on hold and the phone trying to figure this out? And why did they try to send me a paper check to " correct '' this problem. When I pushed back, they said it would take two billing cycles to appear back in the account? It takes that long, as a bank, to wire money from one division to another? I have a lot of questions. I'm disappointed, I feel taken advantage of and it feels like theft. If I close the account, i am done with all payments- including interest and fees- why do they continue to charge? And then drag their feet when approached about it. 

The economy is hard enough. Doesn't feel good to have hard earned dollars taken from you.
Product: Mortgage

Since XX/XX/XXXX I have asked to remove escrow account for the reason it was never included in the refinance in XX/XX/XXXX. I request so many time to escrow account to be removed and it was removed around XX/XX/XXXX. I requested for loan modification around XX/XX/XXXX and after long hassel my has been modified. I also inform multiple times and was to write multiple times I don't need escrow account. Despite this escrow has been added against my will. Since I have stated on multiple occasion not to include escrow account in writing escrow should part of my payment against our will.
Product: Credit reporting or other personal consumer reports

I called the XXXX  to remove an address that was being incorrectly reported. I informed them that I have never lived there, it is a non mailable address and that they were violating my right to privacy pursuant to 15 USC 1681b. They informed me that they would not be removing the address at all. I informed them again that they were violating my consumer rights in totality by reporting my information without my consent. They basically assured me that they did not care and will keep reporting the inaccurate information.