23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

AFNI contacted me by letter in XXXX claiming they took my debt of {$2500.00} from a XXXX XXXX provider in XXXX, CO. I have never had XXXX XXXX nor lived in XXXX, CO. I replied via Certified Mail to contest the claim and they responded with a fake account number from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the deletion of inaccurate information on my Experian credit report concerning XXXX XXXX XXXX account XXXX. This account has already been deleted from my XXXX credit report and should therefore also be removed from my Experian report.

According to 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. Additionally, under 15 U.S.C. 1681i ( a ), consumers have the right to dispute inaccuracies on their credit reports, and the credit bureau must reinvestigate the accuracy of the disputed information. 
The presence of this XXXX XXXX account on my Experian report is a clear discrepancy, as it has already been verified and deleted from my XXXX report. I have attached a copy of my XXXX credit report reflecting this deletion for your reference. 
Please take immediate action to delete this inaccurate information from my Experian credit report. I expect confirmation of the deletion within the legally mandated time frame.
Product: Mortgage

I had spoken with XXXX XXXX of jFreedom Direct about a possible mortage and i told her i had a collect that i was working to have removed. She told me she wanted to get a copy of my credit report from all XXXX bureaus. I told her no. I again told her about the collection account and how i had to give them at least 30 days to respond. She aggreed to wait and we ended the call. I have credit monitoring and i was shocked when i received an email that XXXX had run my credit. I contacted them as i had never heard of this company. And never gave anyone permission to obtain my credit file. They gave me the name, address and phone number of a person named XXXX at iFreedom Direct who requested the report. As i have never spoken to this person, i called XXXX who admitted that there was indeed a manger named XXXX with her firm. She claimed that no one at iFreedom DIrect had run my credit. She called me later claiming she had a CSR from XXXX on the line to 'prove ' that they did not request my credit report. I told her when she got XXXX on a conference call then call me back. I have not heard from XXXX or XXXX. I never gave her permission to run a credit report. The address and phone numberof the iFreedom Direct person I was working with and that requested my credit file is : iFreedom Direct. XXXX XXXX XXXX XXXX, CA XXXX. XXXX
Product: Vehicle loan or lease

honda was called on XX/XX/XXXX i recd my excise tax bill and my monthly payment on my lease i paid my tax off and asked if could pay half car payment then and other half on XX/XX/XXXX and the person at honda said it would be ok ok awesome but then they hit my credit report as being late XXXX dats for the other half of my lease payment are you kidding me it is not 30 days late and i made an arrangement with them to take care of it other wise i would of paid the monthly lease payment and half the tax payment one in XXXX XXXX in XXXX but with the phone call i thought we had an agreement i guess not -- - hitting my credit report for being late after saying we were all set is very low i am only the co signer of this loan and was never notified of anything being late at all so fix my credit check your recorded conversation
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process? was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

This account has been reporting inaccurate information and it was reported as verified by the credit bureau. 

This account is in complete violation of Sec 15 USC 1601 Acct XXXX Account Status Date Opened Last reported date Date of Last Active XXXX has no payment history.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against XXXX and LCI for FCRA Violations Regarding Inaccurate Bankruptcy Reporting To Whom It May Concern, I am filing this formal complaint against XXXX and LCI due to their continued failure to accurately investigate and respond to my disputes concerning a bankruptcy incorrectly attributed to me on my credit reports. 

Over the past few months, I have submitted multiple dispute requests to both XXXX and LCI, challenging the accuracy of a bankruptcy record that they are reporting to the credit bureaus. This bankruptcy is not mine, and I have repeatedly requested that they provide substantiating documentation to validate their claims. To date, I have not received any such documentation, nor have they taken any corrective action to remove the inaccurate information from my credit report. 

Moreover, my disputes with the credit bureaus regarding this erroneous bankruptcy have been consistently verified as accurate, solely based on information provided by XXXX and LCI. This ongoing failure to investigate my disputes and the continued reporting of incorrect information constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ). 

As a result of their non-compliance and disregard for their obligations under the FCRA, I am now left with no choice but to consider legal action to compel XXXX and LCI to properly address and resolve these inaccuracies. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene in this matter to ensure that my disputes are thoroughly investigated and that the erroneous bankruptcy is removed from my credit reports. 

Thank you for your attention to this urgent matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were never late I have sent 4 letters without a response XXXX XXXX XXXX Negative Negative Negative open, installment, collection, past due, assigned to attorney, collection agency, or XXXX XXXX XXXX XXXX XXXX department, seriously past due XXXX XXXX XXXX Negative Negative Negative Was 30 days late 3 time ( s ). Was 60 days late XXXX time ( XXXX )., XXXX days XXXX days late XXXX XXXX XXXX Negative Negative Negative Was 30 days late 1 time ( s ). Was 60 days late 1 time ( s )., revolving,30 days late,60 days late, delinquent, past due XXXX XXXX XXXX XXXX Negative Negative Negative Was 30 days late 1 time ( s ). Was 60 days late 1 time ( s ). Was 90 days late 3 time ( s )., revolving, settled,30 days late,60 days late,90 days late XXXX XXXX XXXX  Negative Negative Negative Was 30 days late 1 time ( s )., Was 30 days late 3 time ( s )., revolving,30 days late Please remove the accounts from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have placed a fraud alert on my credit with all three credit bureaus. The thief who stole my wallet has continued to draw hard inquiries from XXXX XXXX  on XX/XX/XXXX XXXX XX/XX/XXXX XXXX-XXXX  on XX/XX/XXXX XXXX/XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX   on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX - XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX My wallet was stolen on XX/XX/XXXX. I placed a fraud alert on all three credit agencies. I am concerned as to how these banks are still pulling my credit and approving applications under my name from this fraud. Can you please help me
Product: Credit reporting or other personal consumer reports

Looking upon my credit report I noticed some unauthorized inquiries on my credits report that I did not authorize! Ive called the companies and they have no information about such and told me to contact the credit bureau. I dont know what the technical term is however I never authorized for them to pull my credit. However the Experian website says to contact Experian!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written several letters to the bureaus regarding 2 accounts on my report that do not belong to me, I have Id theft and I have sent them my fraud affidavit. The only bureaus they remain on is Transunion and XXXX. XXXX has already remove the accounts.
Product: Vehicle loan or lease

Summary : Toyota Financial Services has despite my repeated communications failed to close my XXXX lease agreement and is requiring additional lease payments despite a dealer 's early lease buyout of my XXXX leased vehicle as a trade-in for a new XXXX vehicle. 

XX/XX/XXXX : Vehicle purchase by XXXX XXXX XXXX from XXXX XXXX XXXX ( XXXX FL ) of XXXX XXXX XXXX, with trade-in of XXXX XXXX XXXX ( including trade-in allowance of {$35000.00} covering lease balance/dealer net of $ XXXX XX/XX/XXXX confirmation by XXXX XXXX XXXX ( XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) with Toyota Financial Services of dealer net amount XXXX XXXX XXXX contract, XXXX purchase agreement and title transfer documents attached ). 

XX/XX/XXXX Communication with Toyota Financial Services ( TFS ) Customer Support Center : requesting confirmation of no lease payment due, and providing TFS with documents-including purchase agreement and title transfer-to document XXXX XXXX XXXX dealer buyout of XXXX leased vehicle ) ( copies of Support Center messages attached ). 

XX/XX/XXXX Emails from XXXX XXXX XXXX to XXXX XXXX ( Business Manager, XXXX ) and XXXX XXXX ( Sales and Leasing, XXXX ; XXXX ) : indicating that Toyota Financial Services does not show dealer lease buyout and requesting dealer assistance ( see attached : Fwd : Your Recent Purchase Experience ) XX/XX/XXXX Communication with Toyota Financial Services Customer Support Center : indicating that XXXX XXXX XXXX has still not paid off XXXX vehicle lease, and requesting refund for customers overpayment ( copies of Support Center messages attached ). 

XX/XX/XXXX ( XXXX ) Text Message from XXXX XXXX XXXX Business Manager, XXXX XXXX XXXX XXXX XXXX ) to XXXX XXXX XXXX XXXX The payoff check was mailed to Toyota Financial Services on XX/XX/XXXX. The check # is XXXX let me know once the payoff has posted. XXXX XXXX Business Manager XXXX XXXX XXXX ( XXXX ) XXXX ( copy of text message attached ) XX/XX/XXXX ( XXXX ) Text Message from XXXX XXXX XXXX to XXXX XXXX XXXX Business Manager, XXXX XXXX XXXX XXXX XXXX ) : Thank you XXXX XXXX XXXX copy of text message attached ) XX/XX/XXXX ( XXXX ) Text Message from XXXX XXXX XXXX Business Manager, XXXX XXXX XXXX XXXX XXXX ) to XXXX XXXX XXXX XXXX You are very welcome! Please feel free to reach out to me if there is anything I can do! ( copy of text message attached ) XX/XX/XXXX ( XXXX ) Text Message from XXXX XXXX XXXX to XXXX XXXX XXXX Business Manager, XXXX XXXX XXXX XXXX ( XXXX ) : Hello XXXX XXXX XXXX I checked today with Toyota Financial Services and they still show no payoff and now have me responsible for an additional XXXX lease payment. I am now even more concerned that something has gone wrong and that I will be held responsible to TFS for my trade in vehicle. Can anyone at XXXX contact TFS directly to straighten things out? TFS is not taking my word that XXXX purchased my trade in and paid off the lease. Thank you. ( copy of text message attached )
Product: Debt collection

I called my realtor to run credit for a mortgage loan. And she gave me 2 Inquiries... 
1st collection. Inquiry XXXX XXXX XXXX XXXX a charge off. 
Reported XX/XX/XXXX for an amount of XXXX # XXXX Phone number XXXX 2nd collection Inquiry XXXXXXXX XXXX XXXX ( XXXX XXXX ) # XXXX Phone number XXXX I have not had a auto loan since a year ago and that was paid off as a XXXX balance with challenge financial I have not been with XXXX XXXX  since XX/XX/XXXX and that was a XXXX balance as well
Product: Checking or savings account

My old CFPB case number is XXXX Hello my name is XXXX XXXX what is the updated on my complaint and please also close my account. 
Please call me at XXXX I still need help closing my account out I never received the code in the mail still please resent it to me. 

Please close my account and send me proof when it is closed and my contact email is XXXX please email me back please resent me the letter I never got it to XXXX XXXX XXXX XXXX PA XXXX thanks please.
Product: Credit reporting or other personal consumer reports

Bank of America Canceled My Auto Pay without notifying me, which led to a 30-day late payment report on my credit report. 

During the XXXX Billing Period, XX/XX/XXXX to XX/XX/XXXX, My Auto Pay setting was canceled, leading to a 30 late date to my credit report. 
Account Summary ( ending XXXX ) Previous Balance {$65.00} Payments and Other Credits {$0.00} Purchases and Adjustments {$0.00} Fees Charged {$0.00} Interest Charged {$0.00} New Balance Total {$65.00} I set up my Auto Pay to pay from my Chase Checking Account ending ( XXXX ). I closed my not-in-use Bank of America Checking Account in XXXX due to no usage. 

It seems that triggered a cancellation of Auto Pay from the XXXX Checking, and Bank of America did not notify me that this was happening. 

On XX/XX/XXXX, I received a notification from Credit Karma/ and my other Credit Monitoring Service that my score dropped from XXXX to below XXXX due to a late payment ; I logged in and paid the balance immediately and called on the Same day to resolve. 

I called once again on XXXX XXXX, but nothing was resolved. 
I called once again on XXXX XX/XX/XXXX, getting a complaint number XXXX. Nothing resolved. 
I called in once again on XXXX XX/XX/XXXX, got a different complaint number XXXX. 
They told me it is just a complaint number without a dispute to the credit report. 
And some agent on the phone told me nothing is showing late on my account. 

I got transferred and bounced around different departments and they transferred me to XXXX without even communicating with me. ( I think the late payment report should be corrected by the bank first to all three credit bureau since the late payment was caused by cancelled auto-pay )
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Bank account or service

I have been a bank of america customer since 2010. My salary, my home loan, everything are with BOA. Besides that I have been using Bank of america to accept more than 10 times wire transfer and none of them charge me fees. Every time my fee is waived since I am a loyalty customer.Even last time I called the agent and been told, I just to need to call every time after the fee post and they can waive it for me. Today the representative refuse to refund my wire transfer fee. And they need to be responsible for the misleading the customer. I have a lot more choices to accept the big wire transfer, but I get used to use the BOA which made me so disappoint today.
Product: Debt collection

This company is calling all family members and friends and harrassing them with continuous calls at all hours. I have no idea who they are and I do not owe that amount they told to my mother. I do n't live with her and the gentlemen on the phone told her all private information about me. She was n't aware of this and felt threatened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am natural born us citizen, I am human being the deserved the privacy to my rights. 


Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

# XXXX XXXX XXXX XXXX XXXX InquiresXXXX XXXX XXXXXXXX : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I had selected the Standard Repayment Plan and had gone through the process to set-up Auto-Debit so my student loan payments would be automatically withdrawn from my account. My first payment was made smoothly in XXXX. Then, I received a notice that my account was automatically put into something called Administrative Forbearance without my permission. My XXXX payment was not withdrawn from my account, my Payment Amount Due in MOHELA isnt showing up and the due date for my payment isnt showing up either.
Product: Credit reporting or other personal consumer reports

Pursuant 18 U.S.C 8 I do not own any debt. This company is violating my rights to consumer privacy.
Product: Debt collection

Company sent a statement which is not an invoice. I requested that this company send me a signed INVOICE. Nothing that this company has sent constitute as contract SIGNED between both parties as requested. AGAIN I'm asking for a signed invoice by both parties within 14 days. If that does not happen, then I will consider this debt to be fully discharged. 


Im sending Back the statements again it is not a signed invoice. 


Company also never disclosed, that I could opt out of credit reporting as well. I'm requesting that they STOP violation my privacy in reporting to the credit Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

After a recent pull of my consumer reports, I noticed the furnishing of inaccurate information on accounts damaging my credit score. After I disputed with the credit agency to my surprised it was verified as accurate. However one glance at what is being reported one will notice it is clearly not accurate. Charge off dates do not align, failed to pay on one bureau, paid on time on another.
Product: Credit reporting or other personal consumer reports

I just looked at my consumer reports and noticed a number of account i'm a victim of Identity theft.. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I am not connected to these accounts and did not provide written consent to report the account : XXXX - Account # - [ XXXXXXXX XXXX XXXX XXXX- Account # - [ XXXX XXXX XXXX XXXX- Account # - [ XXXX XXXX XXXX XXXX - Account # - [ XXXX ] Inquires- XXXX XXXX XX/XX/2023 Inquiries- XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXXXX/XX/2023 Please investigate and provide proof with statements showing that these accounts are mine and proof that I authorized the reporting of this information. If proof can not be provided I demand these accounts to be removed as they not mine.
Product: Credit reporting or other personal consumer reports

I checked my credit report today XXXXXXXX  and noticed a collections account from experian. This medical bill that is in litigation with XXXX XXXX XXXX. Once again Experian violated putting a medical bill on credit report. I have included XXXX XXXX XXXX letter. I filed charges against XXXX XXXX. 

Please stop violating my rights I am requestingXXXX for violating my rights.