23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I purchased a car through JD Byrider in XXXX that was financed through CNAC Byrider Finance LLC and had 24 months to pay. I started experiencing some serious problems with the car and took it in for repairs and paid {$400.00}. XXXX XXXX stated that they repaired the car but the car was not repaired in fact XXXX XXXX stated that they made the wrong repair and because of their mistake that said " we'er just going to put you in another car ''. I thought it would be an even exchange however, I ended up paying a {$1000.00} " deferred down-payment '' in addition to the {$500.00} cash ( down payment ) and the {$400.00} car repair. to sum it up 'm now paying XXXX {$190.00} bi-weekly payments started XXXX 2015. The sales price for the car " they put me in that I thought would be and even exchange I believe around ( {$6500.00} ) has been fiance for {$13000.00} at 20.999 % interest with the total sales price being {$21000.00}. I feel I 've been rip off can you please let me know if you can help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is saying I owe a {$630.00} dollar balance on a car loan that was totaled and paid for by XXXX XXXX and the XXXX  gap insurance coverage they made me put in my loan agreement. I filed XXXX XXXX bankruptcy on XX/XX/XXXX of XXXX and in XXXX of XXXX they reported that they Closed my account as a charge off of {$630.00}. Which dinged my credit report big time after Ive worked hard to get it semi back to normal the last 2 years. When I call no one there ever has any information and they tell me to call back the next day.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction regarding the ongoing issue with the removal of fraudulent items from my credit file despite many attempts to address it. 
Each time, I provided detailed documentation and evidence supporting my claim, and each time, I was assured that swift action would be taken to rectify the situation. 

Failure to provide a satisfactory resolution to this matter will leave me with no choice but to escalate this complaint to relevant regulatory authorities and explore all available legal options to protect my rights as a consumer. With this, I am asking for your assistance to remove these fraud items in my credit file : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the accounts was erroneous. The XXXX 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 below : XXXX XXXX XXXX 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: Student loan

Nelnet have taken over XXXX months period to my deferment, at this point interest been accrued over 200 % as it been XXXX months WITHOUT ANY progress done by Nelnet. Payment processing taking over 5 days to complete yet interest accrued EVERYDAY. Have called them MULTIPLE time to address this issue regarding my application for SAVE plan and IDR processing time without any adequate respond. Why am I bother paying taxes for these kind of service.
Product: Debt collection

In XXXX of 2022, I was issued a summons from a debt collections agency in regards of a debt I owed to a credit card company. This debt came from a result of identity theft. I followed protocol and disputed the debt through the XXXX dispute portal online. I XXXX, I received a letter stating that my wages were to be garnished. On XX/XX/XXXX, I made a call to Lloyd and McDaniel and they stated that my wife called from a cell phone number that is not her number and setup a payment plan for this debt on my behalf. This is illegal. The next day I called back and talked to another lady who told me the same thing and that a payment actually posted from a bank account in which I do not have any association with. The lady became frustrated as I asked questions. She claimed that it was legal for my spouse to setup a payment for my debt ( it is not ). When I asked her for the law that stated that, she hung up. Mind you, all of their phone calls are recorded. It was mentioned once if I would like to hear the phone call for when my wife called in and I said yes, and that was the last it was heard about. On XX/XX/XXXX, I called and spoke to a supervisor. Supervisor was very adamant in saying that my account was placed on hold and there was nothing they could do. He then refused to notify my employer of my account being on hold.
Product: Checking or savings account

I received an email from my bank that a phone number was removed from my checking account. And there was a new phone number added instead, giving them access to transfer funds out of my account through XXXX which my bank uses. 
I didnt authorize any of these things. 


This is the person or persons who were trying to hack my account, this is their phone number that was added : XXXX
Product: Debt collection

I have been XXXX for sometime i never used credit and never open a XXXX account
Product: Debt collection

Purchased vehicle and my credit report showed a new collection account from Credit Collection Service. XXXX XXXX XXXX XXXX MA XXXX. Original debtor XXXX XXXX. It caused an increase in interest from XXXX to XXXX and an overall cost of {$1600.00} in the length of my auto loan. I do not owe this debt. I have no idea where this could possibly come from.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am submitting this formal complaint against XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX for repeatedly reporting inaccurate information on my credit report, despite my numerous disputes. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, All the creditors and collection agency listed above is required to investigate disputed information within 30 days. However, they failed to fulfill this obligation and instead verified the inaccurate data without valid evidence. This has negatively impacted my credit standing and my ability to secure favorable lending terms.
Product: Credit card or prepaid card

I was robbed at XXXX XXXX and XXXX XXXX they took my cards id and phone and passcodes and Bank of America rebilled me saying no fraud which is XXXX Im going public with this
Product: Credit card

this company send me a letter to go to court last thursday XX/XX/year> i dont recognise this bill with a wrong number that is not mine. 
please remove it.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Experian and XXXX XXXX regarding the inaccuracies in my consumer report, which is in violation of the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 USC 1681a- ( d ) ( 1 ). 

My consumer report has not been updated by Experian since XX/XX/2023. This lack of accurate reporting is unacceptable and has severely impacted my financial wellbeing. A fair and accurate consumer report is my right, and Experian 's failure to provide this is appalling. 

- The outdated information on my consumer report is not only misleading but also constitutes unauthorized use of my consumer report, as outlined in 15 USC 1602. 
- The ongoing inaccuracies have created significant distress and complications in my financial life. 

If the consumer reporting agencies do not comply with correcting my report promptly, I will seek arbitration to resolve this matter. Additionally, I believe I should be compensated for the damages incurred as a result of this situation, as it has turned into a significant nightmare in my life. 


XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution of my complaint. 

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

I am in receipt of a current credit report of which questionably suggests that I now or in past have owed you something, yet there is nothing that substantiates your reporting or claim thereof so I demand that you dismiss all claims and eradicate any injurious reporting ( s )  versus me, particularly if currently reported item ( s ) are potentially deficient of the mandatory document evidence of physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility else wise of the reporting, and or the complete and perfect certified Metro 2 format reporting standard ( s ). I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer much less me! Particularly removed is your right to act in dereliction as you hold me under threat of financial and or creditworthiness injury ( ies ). I here now DEMAND that if you are unwilling or unable to do as requested, as demanded, and as otherwise mandatory to retain or regain compliance of reporting no later than 20 days from your receipt of this lawful notice of consumer complaint that you immediately and forevermore thereafter cease any and all derogatory and or injurious actions versus me, to include but not limited to the foul actions to report and or collect unverified, untrue, invalid, or else wise not certifiably compliant claim ( s ) and or debt ( s ). Let it be in clarity that I am well aware of the FACT that absent legal authority or a written agreement between us that you can not force me to conduct any business interaction ( s ) with you and I will NOT! Certainly if you elect still to injure me, even to the slightest, it undoubtedly would be a show of merciless harassment or even willful extortion, a CRIMINAL OFFENSE in my state of residence! Any such behavior will directly or indirectly lead me to act accordingly, so please rectify your chicanery-laden subterfuge as alleged on my current consumer credit profile history by eradication and or removal from reporting the delinquently reported item ( s )
Product: Money transfer, virtual currency, or money service

The victim, XXXX XXXX was blackmailed to send them money starting from XX/XX/XXXX until she realized that was a scam on XX/XX/XXXX. I was using this online service that does my school work for since I am an student and was struggling to pass the class because of the language barrier. The scammers were doing my work at first until I was asked to send money as " Deposit '' to clear the record of my school portal that they have accessed. They kept asking that the money was not enough to clear the record of my portal. I started sending money on XXXX and XXXX. XXXX stopped working so I went to the bank and did the wire transfer. Here are the dates and the amount I sent XXXX : XXXX {$250.00}, XXXX {$100.00}, {$600.00}, {$500.00}, XXXX {$200.00}, XXXX {$400.00}, XXXX {$200.00}, {$900.00}, {$250.00}, XXXX {$600.00}, {$510.00}, {$80.00}, XXXX {$1100.00}, {$1200.00}, XXXX {$1400.00}, XXXX {$1800.00}, {$100.00}. total : {$10000.00} Transferring money : XXXX {$1000.00}, XXXX {$400.00}, XXXX {$600.00}, XXXX {$1400.00}, XXXX {$4000.00}, XXXX {$5600.00}, XXXX {$8600.00}, XXXX {$4000.00}, XXXX {$6800.00}. Total {$32000.00} There are about {$4000.00} more that she sent through cash app. XXXX {$500.00}, {$250.00}, XXXX XXXX $ XXXX {$100.00} XX/XX/28 {$300.00}, {$300.00} During this time, i would get 100+ of phone calls day and night and was told that if i dont send money they will report it to school and make kicked out. I asked for my friend help on Saturday night and found out that this was a scam.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts that were previously disputed but have since been verified or reinstated on my credit report without proper investigation. I believe these actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 5 ) ( B ). 

Under FCRA Section 611 ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information to determine its accuracy. Furthermore, under Section 611 ( a ) ( 5 ) ( B ), any information that can not be verified after a proper investigation must be deleted or corrected. The accounts in question were reinstated without me being provided evidence of their verification, and no substantive investigation appears to have been conducted. 

According to the Consumer Financial Protection Bureau ( CFPB ), several credit reporting agencies, including Experian, have been penalized in the past for failing to comply with these FCRA requirements. Specifically, the CFPB has taken action against agencies that rely on automated processes rather than thorough investigations, thereby neglecting their obligations under the law. These violations undermine consumer rights and lead to inaccurate credit reporting. 

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

Here are the accounts in violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have recently ( XX/XX/2018 ) paid off a mortgage which closed 5 months ago (XX/XX/XXXX ). This mortgage has no prepayment penalty and I was able to pay off without it. And now I got notified by the broker ( XXXX XXXX ), that the lender ( Flagstar bank ) is charging the broker more than 10k of prepayment penalty and the broker wants me to pay the penality.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied for a XXXX Credit Card. 

I never received the Credit Card. 

On XX/XX/XXXX I received a call from XXXX that i had an amount not paid in a XXXX credit Card. for US {$58.00}. I informed them I never received any Credit Card and I didnt have any amount pending to Pay. 

On XX/XX/XXXX my XXXX-XXXX XXXX XXXX XXXX informed that an EQUIFAX CREDIT REPORT has shoing an unpaid amount to XXXX  for US {$140.00} in a XXXX Credit Card I called XXXX and explained the issue that I never received The Credit Card that I applied for. They verified in their records that the credit card was Sent to a rong address and a fraudulent amount for US {$58.00} as charged. They fixed the issue. 
However the Equifax credit report still shos and XXXX unpaid amount. of US {$140.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccuracy personal information on my credit report : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 15 u.s.c ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit card or prepaid card

My dispute with Discover Card accounting practices for unrecognized charges of $ XXXXand {$12.00} for XXXX XXXX XXXX XXXX respectively. These charges were reported after my cancelation of my my auto insurance policies insurance. 
Unfortunately, my communication with credit bureau reporting agencies concerning my dispute are yet to produce understandable conclusion. 
The latest statements received dated from XXXX showed a new balance of {$200.00} ; whereas the statement dated from XXXX a new balance of {$350.00}, ... as if we don't have enough mixing up matters, as XXXX  kept adding unrecognized charges to these ones- already disputed and done with, earlier. 
XXXX  still adding interest, to be paid for unrecognized transactions. My credit standing is threatened. 

Please be advised that I have always paid my bills in full, and in advance. Currently, I was threatened to pay interest on the disputed transactions. 

PS : My Credit Card Number indicated is the one canceled few months, while another number ending in XXXX was compromised and deleted, much earlier. Both credit number were mixed up with Discover Card statements. 

I'm a XXXX XXXX XXXXXXXX XXXX  ( XXXX XXXX XXXX ).
Product: Debt collection

Purchased motorcycle on XX/XX/16. Motorcycle was stolen and damaged XX/XX/16. XXXX XXXX justice court # XXXX. Case is still in litigation. The suspect convicted of grand larceny auto is the person solely responsible for debt owed on this damaged motorcycle. This company is unwilling to listen and understand the situation. I dont believe I am responsible to clean up after some trash who has yet to be reprimanded for his crimes.
Product: Credit reporting or other personal consumer reports

An account with XXXX  was opened using my information years ago, I reported it to the credit card company, the credit bureaus, cfpb, and my state attorney general and it got removed. It is now showing up BACK UP on my report and NEEDS TO BE REMOVED IMMEDIATELY. This account is fraud and transunion is in violation YET AGAIN 15 U.S. Code S 1681c-2. " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, no later than 4 business days after the date of receipt. '' It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identify theft. Please delete these items IMMEDIATELY. 

I AM CONTACTING MY STATE ATTORNEY GENERAL, CFPB and logging ALL POSSIBLE COMPLAINTS AGAINST XXXX CARD AND TRANSUNION. REMOVE THE ACCOUNT TODAY.
Product: Credit card

Please review the attached documents. I request the bureau to commence an investigation into these accounts, despite my consistent punctuality, as they inaccurately depict me as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I noticed on my credit report, a charge for {$39.00} from credit management LP, without any notice. I never received any letters from spectrum or credit management LP. 
I called the company offering to pay the balance right away and requested it to be removed from the credit beareus. I was told all I can do is pay and I would get a paid in full letter. Then, I can file a dispute but nothing would be guaranteed.
Product: Credit reporting or other personal consumer reports

This complaint is in regard to a letter I received on XX/XX/XXXX from XXXXXXXX XXXX that they decided to close my account to my surprise. After reading the letter I noted a few details that were very vague and some incorrect statements. I tried for 4 days to get a customer representative on the phone although navigating their phone tree is nearly impossible many times ending in a dead end or back to the place I started. I was able to speak to a representative on XX/XX/XXXX and asked for further details on why my account was closed as the reasons listed were either incorrect or vague. The representative stated she could not provide me with any information regarding the letter I received as she didnt have access to it and there was no one she could refer me to for answers. This was very disappointing as this has had a negative impact on my credit score and Ive been working very hard to bring it back up past XXXX. This unfair business practice has negatively affected my financial future and set me back. In the attachment to this complaint pages 1 & 2 is the letter I received, and the following pages are evidence that some of the information in the letter is incorrect. I would like this account removed in addition to the comment made in my report from synchrony bank removed also.

The reasons they have listed why they closed my account are as follows : 1 ) Lack of real estate secured loan I own my home never had to take a loan out to buy it so this reason should be invalid. 
XXXX ) Balances on bank cards are too high this is the only card I have a balance on and was about to pay it off just as I did last XXXX so their reference to cards is incorrect. 
XXXX ) To few accounts paid as agree the last time a late payment was applied to my credit score was XXXX, so 6 years ago when I was unemployed, and all those accounts was paid off by XXXX. 
In the last paragraph it states, the credit score may differ from the score you may obtain from a consumer reporting agency. One the next page they state my credit score was XXXX on XX/XX/XXXX. Then in the last paragraph they state, while the date of the credit score may not be recent, your score has likely not changed significantly since this date. Then tell me to reference Transunion for my credit score. This is all incorrect as evidenced in the remaining pages of my attachment. On XX/XX/XXXX I checked my score on TransUnion, it was XXXX, and according to the graph it has been in the XXXX since XXXX, nowhere near the XXXX they stated it was on XX/XX/XXXX in the letter. 
On the next page it lists my payment history as excellent, no derogatory remarks excellent, and total accounts excellent. The last two pages show my payment history with synchrony bank and there are no late payments as you can see.

So, I believe this decision to close my account was unfair as synchrony bank used incorrect data and general nonspecific statements to make their decision. This has negatively impacted my financial future.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The credit bureaus have engaged in multiple violations of the Fair Credit Reporting Act including inaccurate reporting of the amount owed, failure to ensure accuracy in the Information provided by the original creditor misrepresentation of payment history and inaccurate reporting of account status. Below is the non- compliant account that violates FCRA regulations and has not been certified under a testimony of fact XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Convergent Outsourcing is a third-party debt collection agency who continues to leave a negative reporting item onto my credit reports. I never established a contract with them at all nor have I made any payment to this company at all. A document bill, or any other documents they have from the purchased debt they have does not been prove that I owe nor does it validate the alleged debt. And they are in complete violation of the FCRA.